id	sid	tid	token	lemma	pos
hassl-3515	1	1	349	349	NUM
hassl-3515	1	2	©	©	PROPN
hassl-3515	1	3	2023	2023	NUM
hassl-3515	1	4	conscientia	conscientia	PROPN
hassl-3515	1	5	beam	beam	PROPN
hassl-3515	1	6	.	.	PUNCT
hassl-3515	2	1	all	all	DET
hassl-3515	2	2	rights	right	NOUN
hassl-3515	2	3	reserved	reserve	VERB
hassl-3515	2	4	.	.	PUNCT
hassl-3515	3	1	financial	financial	ADJ
hassl-3515	3	2	literacy	literacy	NOUN
hassl-3515	3	3	,	,	PUNCT
hassl-3515	3	4	self	self	NOUN
hassl-3515	3	5	-	-	PUNCT
hassl-3515	3	6	control	control	NOUN
hassl-3515	3	7	,	,	PUNCT
hassl-3515	3	8	self	self	NOUN
hassl-3515	3	9	-	-	PUNCT
hassl-3515	3	10	esteem	esteem	NOUN
hassl-3515	3	11	,	,	PUNCT
hassl-3515	3	12	and	and	CCONJ
hassl-3515	3	13	credit	credit	NOUN
hassl-3515	3	14	card	card	NOUN
hassl-3515	3	15	utilization	utilization	NOUN
hassl-3515	3	16	bram	bram	PROPN
hassl-3515	3	17	hadianto1	hadianto1	PROPN
hassl-3515	3	18	+	+	CCONJ
hassl-3515	3	19	herlina	herlina	PROPN
hassl-3515	3	20	herlina2	herlina2	NOUN
hassl-3515	4	1	ana	ana	PROPN
hassl-3515	4	2	mariana3	mariana3	PROPN
hassl-3515	4	3	rully	rully	PROPN
hassl-3515	4	4	arlan	arlan	PROPN
hassl-3515	4	5	tjahyadi4	tjahyadi4	PROPN
hassl-3515	4	6	lauw	lauw	VERB
hassl-3515	4	7	tjun	tjun	NOUN
hassl-3515	4	8	tjun5	tjun5	NOUN
hassl-3515	5	1	1,2,3,4,5maranatha	1,2,3,4,5maranatha	NUM
hassl-3515	5	2	christian	christian	PROPN
hassl-3515	5	3	university	university	PROPN
hassl-3515	5	4	,	,	PUNCT
hassl-3515	5	5	bandung	bandung	PROPN
hassl-3515	5	6	,	,	PUNCT
hassl-3515	5	7	indonesia	indonesia	PROPN
hassl-3515	5	8	.	.	PUNCT
hassl-3515	6	1	1email	1email	NUM
hassl-3515	6	2	:	:	PUNCT
hassl-3515	6	3	bram.hadianto@eco.maranatha.edu	bram.hadianto@eco.maranatha.edu	NUM
hassl-3515	6	4	2email	2email	NUM
hassl-3515	6	5	:	:	PUNCT
hassl-3515	6	6	herlina@eco.maranatha.edu	herlina@eco.maranatha.edu	PROPN
hassl-3515	6	7	3email	3email	NUM
hassl-3515	6	8	:	:	PUNCT
hassl-3515	6	9	ana.mariana@eco.maranatha.edu	ana.mariana@eco.maranatha.edu	NOUN
hassl-3515	7	1	4email	4email	NOUN
hassl-3515	7	2	:	:	PUNCT
hassl-3515	7	3	rully.arlan@eco.maranatha.edu	rully.arlan@eco.maranatha.edu	PROPN
hassl-3515	7	4	5email	5email	PROPN
hassl-3515	7	5	:	:	PUNCT
hassl-3515	7	6	lauw.tjun_tjun@eco.maranatha.edu	lauw.tjun_tjun@eco.maranatha.edu	NOUN
hassl-3515	7	7	(	(	PUNCT
hassl-3515	7	8	+	+	CCONJ
hassl-3515	7	9	corresponding	correspond	VERB
hassl-3515	7	10	author	author	NOUN
hassl-3515	7	11	)	)	PUNCT
hassl-3515	7	12	abstract	abstract	ADJ
hassl-3515	7	13	article	article	NOUN
hassl-3515	7	14	history	history	NOUN
hassl-3515	7	15	received	receive	VERB
hassl-3515	7	16	:	:	PUNCT
hassl-3515	7	17	8	8	NUM
hassl-3515	7	18	may	may	PROPN
hassl-3515	7	19	2023	2023	NUM
hassl-3515	7	20	revised	revise	VERB
hassl-3515	7	21	:	:	PUNCT
hassl-3515	7	22	20	20	NUM
hassl-3515	7	23	july	july	PROPN
hassl-3515	7	24	2023	2023	NUM
hassl-3515	7	25	accepted	accept	VERB
hassl-3515	7	26	:	:	PUNCT
hassl-3515	7	27	28	28	NUM
hassl-3515	7	28	september	september	PROPN
hassl-3515	7	29	2023	2023	NUM
hassl-3515	7	30	published	publish	VERB
hassl-3515	7	31	:	:	PUNCT
hassl-3515	7	32	13	13	NUM
hassl-3515	7	33	november	november	PROPN
hassl-3515	7	34	2023	2023	NUM
hassl-3515	7	35	keywords	keyword	NOUN
hassl-3515	7	36	bank	bank	NOUN
hassl-3515	7	37	employees	employee	NOUN
hassl-3515	7	38	financial	financial	ADJ
hassl-3515	7	39	literacy	literacy	NOUN
hassl-3515	7	40	gender	gender	NOUN
hassl-3515	7	41	responsible	responsible	ADJ
hassl-3515	7	42	credit	credit	NOUN
hassl-3515	7	43	card	card	NOUN
hassl-3515	7	44	utilization	utilization	NOUN
hassl-3515	7	45	self	self	NOUN
hassl-3515	7	46	-	-	PUNCT
hassl-3515	7	47	control	control	NOUN
hassl-3515	7	48	self	self	NOUN
hassl-3515	7	49	-	-	PUNCT
hassl-3515	7	50	esteem	esteem	NOUN
hassl-3515	7	51	.	.	PUNCT
hassl-3515	8	1	this	this	DET
hassl-3515	8	2	study	study	NOUN
hassl-3515	8	3	combines	combine	VERB
hassl-3515	8	4	one	one	NUM
hassl-3515	8	5	personal	personal	ADJ
hassl-3515	8	6	financial	financial	ADJ
hassl-3515	8	7	management	management	NOUN
hassl-3515	8	8	concept	concept	NOUN
hassl-3515	8	9	,	,	PUNCT
hassl-3515	8	10	money	money	NOUN
hassl-3515	8	11	-	-	PUNCT
hassl-3515	8	12	related	relate	VERB
hassl-3515	8	13	literacy	literacy	NOUN
hassl-3515	8	14	,	,	PUNCT
hassl-3515	8	15	and	and	CCONJ
hassl-3515	8	16	psychological	psychological	ADJ
hassl-3515	8	17	ideas	idea	NOUN
hassl-3515	8	18	,	,	PUNCT
hassl-3515	8	19	i.e.	i.e.	X
hassl-3515	8	20	,	,	PUNCT
hassl-3515	8	21	self	self	NOUN
hassl-3515	8	22	-	-	PUNCT
hassl-3515	8	23	control	control	NOUN
hassl-3515	8	24	and	and	CCONJ
hassl-3515	8	25	self	self	NOUN
hassl-3515	8	26	-	-	PUNCT
hassl-3515	8	27	esteem	esteem	NOUN
hassl-3515	8	28	,	,	PUNCT
hassl-3515	8	29	in	in	ADP
hassl-3515	8	30	one	one	NUM
hassl-3515	8	31	model	model	NOUN
hassl-3515	8	32	to	to	PART
hassl-3515	8	33	be	be	AUX
hassl-3515	8	34	statistically	statistically	ADV
hassl-3515	8	35	associated	associate	VERB
hassl-3515	8	36	with	with	ADP
hassl-3515	8	37	credit	credit	NOUN
hassl-3515	8	38	card	card	NOUN
hassl-3515	8	39	behavior	behavior	NOUN
hassl-3515	8	40	by	by	ADP
hassl-3515	8	41	utilizing	utilize	VERB
hassl-3515	8	42	gender	gender	NOUN
hassl-3515	8	43	as	as	ADP
hassl-3515	8	44	the	the	DET
hassl-3515	8	45	control	control	NOUN
hassl-3515	8	46	variable	variable	NOUN
hassl-3515	8	47	.	.	PUNCT
hassl-3515	9	1	therefore	therefore	ADV
hassl-3515	9	2	,	,	PUNCT
hassl-3515	9	3	this	this	DET
hassl-3515	9	4	study	study	NOUN
hassl-3515	9	5	investigates	investigate	VERB
hassl-3515	9	6	and	and	CCONJ
hassl-3515	9	7	analyses	analyse	VERB
hassl-3515	9	8	the	the	DET
hassl-3515	9	9	effect	effect	NOUN
hassl-3515	9	10	of	of	ADP
hassl-3515	9	11	financial	financial	ADJ
hassl-3515	9	12	literacy	literacy	NOUN
hassl-3515	9	13	,	,	PUNCT
hassl-3515	9	14	self	self	NOUN
hassl-3515	9	15	-	-	PUNCT
hassl-3515	9	16	control	control	NOUN
hassl-3515	9	17	,	,	PUNCT
hassl-3515	9	18	and	and	CCONJ
hassl-3515	9	19	self	self	NOUN
hassl-3515	9	20	-	-	PUNCT
hassl-3515	9	21	esteem	esteem	NOUN
hassl-3515	9	22	on	on	ADP
hassl-3515	9	23	credit	credit	NOUN
hassl-3515	9	24	card	card	NOUN
hassl-3515	9	25	usage	usage	NOUN
hassl-3515	9	26	.	.	PUNCT
hassl-3515	10	1	furthermore	furthermore	ADV
hassl-3515	10	2	,	,	PUNCT
hassl-3515	10	3	this	this	DET
hassl-3515	10	4	study	study	NOUN
hassl-3515	10	5	employs	employ	VERB
hassl-3515	10	6	120	120	NUM
hassl-3515	10	7	bank	bank	NOUN
hassl-3515	10	8	employees	employee	NOUN
hassl-3515	10	9	as	as	ADP
hassl-3515	10	10	samples	sample	NOUN
hassl-3515	10	11	,	,	PUNCT
hassl-3515	10	12	taken	take	VERB
hassl-3515	10	13	by	by	ADP
hassl-3515	10	14	a	a	DET
hassl-3515	10	15	snowball	snowball	ADJ
hassl-3515	10	16	sampling	sample	VERB
hassl-3515	10	17	technique	technique	NOUN
hassl-3515	10	18	.	.	PUNCT
hassl-3515	11	1	besides	besides	SCONJ
hassl-3515	11	2	,	,	PUNCT
hassl-3515	11	3	this	this	DET
hassl-3515	11	4	study	study	NOUN
hassl-3515	11	5	surveys	survey	NOUN
hassl-3515	11	6	their	their	PRON
hassl-3515	11	7	perspective	perspective	NOUN
hassl-3515	11	8	based	base	VERB
hassl-3515	11	9	on	on	ADP
hassl-3515	11	10	the	the	DET
hassl-3515	11	11	close	close	ADV
hassl-3515	11	12	-	-	PUNCT
hassl-3515	11	13	ended	end	VERB
hassl-3515	11	14	questions	question	NOUN
hassl-3515	11	15	in	in	ADP
hassl-3515	11	16	the	the	DET
hassl-3515	11	17	questionnaire	questionnaire	NOUN
hassl-3515	11	18	.	.	PUNCT
hassl-3515	12	1	after	after	ADP
hassl-3515	12	2	obtaining	obtain	VERB
hassl-3515	12	3	their	their	PRON
hassl-3515	12	4	responses	response	NOUN
hassl-3515	12	5	,	,	PUNCT
hassl-3515	12	6	their	their	PRON
hassl-3515	12	7	validity	validity	NOUN
hassl-3515	12	8	and	and	CCONJ
hassl-3515	12	9	reliability	reliability	NOUN
hassl-3515	12	10	are	be	AUX
hassl-3515	12	11	verified	verify	VERB
hassl-3515	12	12	.	.	PUNCT
hassl-3515	13	1	also	also	ADV
hassl-3515	13	2	,	,	PUNCT
hassl-3515	13	3	the	the	DET
hassl-3515	13	4	goodnessof	goodnessof	NOUN
hassl-3515	13	5	-	-	PUNCT
hassl-3515	13	6	fit	fit	NOUN
hassl-3515	13	7	model	model	NOUN
hassl-3515	13	8	is	be	AUX
hassl-3515	13	9	detected	detect	VERB
hassl-3515	13	10	.	.	PUNCT
hassl-3515	14	1	after	after	SCONJ
hassl-3515	14	2	the	the	DET
hassl-3515	14	3	model	model	NOUN
hassl-3515	14	4	fits	fit	VERB
hassl-3515	14	5	the	the	DET
hassl-3515	14	6	data	datum	NOUN
hassl-3515	14	7	,	,	PUNCT
hassl-3515	14	8	the	the	DET
hassl-3515	14	9	structural	structural	ADJ
hassl-3515	14	10	equation	equation	NOUN
hassl-3515	14	11	model	model	NOUN
hassl-3515	14	12	based	base	VERB
hassl-3515	14	13	on	on	ADP
hassl-3515	14	14	covariance	covariance	NOUN
hassl-3515	14	15	is	be	AUX
hassl-3515	14	16	utilized	utilize	VERB
hassl-3515	14	17	to	to	PART
hassl-3515	14	18	examine	examine	VERB
hassl-3515	14	19	the	the	DET
hassl-3515	14	20	causal	causal	ADJ
hassl-3515	14	21	relationship	relationship	NOUN
hassl-3515	14	22	declared	declare	VERB
hassl-3515	14	23	in	in	ADP
hassl-3515	14	24	the	the	DET
hassl-3515	14	25	proposed	propose	VERB
hassl-3515	14	26	hypotheses	hypothesis	NOUN
hassl-3515	14	27	.	.	PUNCT
hassl-3515	15	1	after	after	ADP
hassl-3515	15	2	checking	check	VERB
hassl-3515	15	3	them	they	PRON
hassl-3515	15	4	,	,	PUNCT
hassl-3515	15	5	this	this	DET
hassl-3515	15	6	study	study	NOUN
hassl-3515	15	7	concludes	conclude	VERB
hassl-3515	15	8	that	that	SCONJ
hassl-3515	15	9	financial	financial	ADJ
hassl-3515	15	10	literacy	literacy	NOUN
hassl-3515	15	11	,	,	PUNCT
hassl-3515	15	12	self	self	NOUN
hassl-3515	15	13	-	-	PUNCT
hassl-3515	15	14	control	control	NOUN
hassl-3515	15	15	,	,	PUNCT
hassl-3515	15	16	and	and	CCONJ
hassl-3515	15	17	self	self	NOUN
hassl-3515	15	18	-	-	PUNCT
hassl-3515	15	19	esteem	esteem	NOUN
hassl-3515	15	20	successfully	successfully	ADV
hassl-3515	15	21	create	create	VERB
hassl-3515	15	22	credit	credit	NOUN
hassl-3515	15	23	card	card	NOUN
hassl-3515	15	24	utilization	utilization	NOUN
hassl-3515	15	25	.	.	PUNCT
hassl-3515	16	1	employees	employee	NOUN
hassl-3515	16	2	with	with	ADP
hassl-3515	16	3	strong	strong	ADJ
hassl-3515	16	4	financial	financial	ADJ
hassl-3515	16	5	literacy	literacy	NOUN
hassl-3515	16	6	,	,	PUNCT
hassl-3515	16	7	self	self	NOUN
hassl-3515	16	8	-	-	PUNCT
hassl-3515	16	9	control	control	NOUN
hassl-3515	16	10	,	,	PUNCT
hassl-3515	16	11	and	and	CCONJ
hassl-3515	16	12	self	self	NOUN
hassl-3515	16	13	-	-	PUNCT
hassl-3515	16	14	esteem	esteem	NOUN
hassl-3515	16	15	are	be	AUX
hassl-3515	16	16	responsible	responsible	ADJ
hassl-3515	16	17	for	for	ADP
hassl-3515	16	18	owning	own	VERB
hassl-3515	16	19	credit	credit	NOUN
hassl-3515	16	20	cards	card	NOUN
hassl-3515	16	21	because	because	SCONJ
hassl-3515	16	22	they	they	PRON
hassl-3515	16	23	tend	tend	VERB
hassl-3515	16	24	to	to	PART
hassl-3515	16	25	use	use	VERB
hassl-3515	16	26	them	they	PRON
hassl-3515	16	27	less	less	ADV
hassl-3515	16	28	and	and	CCONJ
hassl-3515	16	29	pay	pay	VERB
hassl-3515	16	30	their	their	PRON
hassl-3515	16	31	bills	bill	NOUN
hassl-3515	16	32	on	on	ADP
hassl-3515	16	33	time	time	NOUN
hassl-3515	16	34	.	.	PUNCT
hassl-3515	17	1	females	female	NOUN
hassl-3515	17	2	have	have	VERB
hassl-3515	17	3	a	a	DET
hassl-3515	17	4	positive	positive	ADJ
hassl-3515	17	5	propensity	propensity	NOUN
hassl-3515	17	6	for	for	ADP
hassl-3515	17	7	credit	credit	NOUN
hassl-3515	17	8	card	card	NOUN
hassl-3515	17	9	utilization	utilization	NOUN
hassl-3515	17	10	to	to	PART
hassl-3515	17	11	achieve	achieve	VERB
hassl-3515	17	12	their	their	PRON
hassl-3515	17	13	identity	identity	NOUN
hassl-3515	17	14	and	and	CCONJ
hassl-3515	17	15	emotional	emotional	ADJ
hassl-3515	17	16	status	status	NOUN
hassl-3515	17	17	.	.	PUNCT
hassl-3515	18	1	as	as	ADP
hassl-3515	18	2	an	an	DET
hassl-3515	18	3	implication	implication	NOUN
hassl-3515	18	4	,	,	PUNCT
hassl-3515	18	5	the	the	DET
hassl-3515	18	6	study	study	NOUN
hassl-3515	18	7	recommends	recommend	VERB
hassl-3515	18	8	females	female	NOUN
hassl-3515	18	9	instantly	instantly	ADV
hassl-3515	18	10	convert	convert	VERB
hassl-3515	18	11	their	their	PRON
hassl-3515	18	12	transactions	transaction	NOUN
hassl-3515	18	13	into	into	ADP
hassl-3515	18	14	installments	installment	NOUN
hassl-3515	18	15	and	and	CCONJ
hassl-3515	18	16	pay	pay	VERB
hassl-3515	18	17	the	the	DET
hassl-3515	18	18	bill	bill	NOUN
hassl-3515	18	19	in	in	ADP
hassl-3515	18	20	the	the	DET
hassl-3515	18	21	maximum	maximum	ADJ
hassl-3515	18	22	and	and	CCONJ
hassl-3515	18	23	minimum	minimum	ADJ
hassl-3515	18	24	ranges	range	NOUN
hassl-3515	18	25	to	to	PART
hassl-3515	18	26	avoid	avoid	VERB
hassl-3515	18	27	a	a	DET
hassl-3515	18	28	decrease	decrease	NOUN
hassl-3515	18	29	in	in	ADP
hassl-3515	18	30	credit	credit	NOUN
hassl-3515	18	31	scores	score	NOUN
hassl-3515	18	32	.	.	PUNCT
hassl-3515	19	1	besides	besides	SCONJ
hassl-3515	19	2	,	,	PUNCT
hassl-3515	19	3	internal	internal	ADJ
hassl-3515	19	4	and	and	CCONJ
hassl-3515	19	5	external	external	ADJ
hassl-3515	19	6	marketing	marketing	NOUN
hassl-3515	19	7	is	be	AUX
hassl-3515	19	8	needed	need	VERB
hassl-3515	19	9	to	to	PART
hassl-3515	19	10	attract	attract	VERB
hassl-3515	19	11	female	female	ADJ
hassl-3515	19	12	employees	employee	NOUN
hassl-3515	19	13	working	work	VERB
hassl-3515	19	14	at	at	ADP
hassl-3515	19	15	similar	similar	ADJ
hassl-3515	19	16	banks	bank	NOUN
hassl-3515	19	17	or	or	CCONJ
hassl-3515	19	18	other	other	ADJ
hassl-3515	19	19	banks	bank	NOUN
hassl-3515	19	20	that	that	PRON
hassl-3515	19	21	can	can	AUX
hassl-3515	19	22	not	not	PART
hassl-3515	19	23	issue	issue	VERB
hassl-3515	19	24	credit	credit	NOUN
hassl-3515	19	25	cards	card	NOUN
hassl-3515	19	26	.	.	PUNCT
hassl-3515	20	1	contribution	contribution	NOUN
hassl-3515	20	2	/	/	SYM
hassl-3515	20	3	originality	originality	NOUN
hassl-3515	20	4	:	:	PUNCT
hassl-3515	20	5	this	this	DET
hassl-3515	20	6	study	study	NOUN
hassl-3515	20	7	enriches	enrich	VERB
hassl-3515	20	8	the	the	DET
hassl-3515	20	9	related	related	ADJ
hassl-3515	20	10	research	research	NOUN
hassl-3515	20	11	on	on	ADP
hassl-3515	20	12	credit	credit	NOUN
hassl-3515	20	13	card	card	NOUN
hassl-3515	20	14	utilization	utilization	NOUN
hassl-3515	20	15	based	base	VERB
hassl-3515	20	16	on	on	ADP
hassl-3515	20	17	financial	financial	ADJ
hassl-3515	20	18	concepts	concept	NOUN
hassl-3515	20	19	such	such	ADJ
hassl-3515	20	20	as	as	ADP
hassl-3515	20	21	financial	financial	ADJ
hassl-3515	20	22	literacy	literacy	NOUN
hassl-3515	20	23	,	,	PUNCT
hassl-3515	20	24	and	and	CCONJ
hassl-3515	20	25	psychological	psychological	ADJ
hassl-3515	20	26	ideas	idea	NOUN
hassl-3515	20	27	such	such	ADJ
hassl-3515	20	28	as	as	ADP
hassl-3515	20	29	self	self	NOUN
hassl-3515	20	30	-	-	PUNCT
hassl-3515	20	31	control	control	NOUN
hassl-3515	20	32	and	and	CCONJ
hassl-3515	20	33	self	self	NOUN
hassl-3515	20	34	-	-	PUNCT
hassl-3515	20	35	esteem	esteem	NOUN
hassl-3515	20	36	.	.	PUNCT
hassl-3515	21	1	the	the	DET
hassl-3515	21	2	enrichment	enrichment	NOUN
hassl-3515	21	3	is	be	AUX
hassl-3515	21	4	proven	prove	VERB
hassl-3515	21	5	by	by	ADP
hassl-3515	21	6	the	the	DET
hassl-3515	21	7	meaningful	meaningful	ADJ
hassl-3515	21	8	effect	effect	NOUN
hassl-3515	21	9	of	of	ADP
hassl-3515	21	10	financial	financial	ADJ
hassl-3515	21	11	literacy	literacy	NOUN
hassl-3515	21	12	,	,	PUNCT
hassl-3515	21	13	self	self	NOUN
hassl-3515	21	14	-	-	PUNCT
hassl-3515	21	15	control	control	NOUN
hassl-3515	21	16	,	,	PUNCT
hassl-3515	21	17	and	and	CCONJ
hassl-3515	21	18	self	self	NOUN
hassl-3515	21	19	-	-	PUNCT
hassl-3515	21	20	esteem	esteem	NOUN
hassl-3515	21	21	as	as	ADP
hassl-3515	21	22	primary	primary	ADJ
hassl-3515	21	23	variables	variable	NOUN
hassl-3515	21	24	and	and	CCONJ
hassl-3515	21	25	gender	gender	NOUN
hassl-3515	21	26	as	as	ADP
hassl-3515	21	27	the	the	DET
hassl-3515	21	28	control	control	NOUN
hassl-3515	21	29	variable	variable	NOUN
hassl-3515	21	30	on	on	ADP
hassl-3515	21	31	credit	credit	NOUN
hassl-3515	21	32	card	card	NOUN
hassl-3515	21	33	utilization	utilization	NOUN
hassl-3515	21	34	,	,	PUNCT
hassl-3515	21	35	with	with	ADP
hassl-3515	21	36	an	an	DET
hassl-3515	21	37	enormous	enormous	ADJ
hassl-3515	21	38	r	r	NOUN
hassl-3515	21	39	-	-	PUNCT
hassl-3515	21	40	squared	square	VERB
hassl-3515	21	41	of	of	ADP
hassl-3515	21	42	94.2	94.2	NUM
hassl-3515	21	43	%	%	NOUN
hassl-3515	21	44	.	.	PUNCT
hassl-3515	22	1	1	1	X
hassl-3515	22	2	.	.	X
hassl-3515	22	3	introduction	introduction	NOUN
hassl-3515	22	4	besides	besides	SCONJ
hassl-3515	22	5	getting	get	VERB
hassl-3515	22	6	profits	profit	NOUN
hassl-3515	22	7	from	from	ADP
hassl-3515	22	8	the	the	DET
hassl-3515	22	9	intermediary	intermediary	ADJ
hassl-3515	22	10	function	function	NOUN
hassl-3515	22	11	,	,	PUNCT
hassl-3515	22	12	i.e.	i.e.	X
hassl-3515	22	13	,	,	PUNCT
hassl-3515	22	14	allocating	allocate	VERB
hassl-3515	22	15	funds	fund	NOUN
hassl-3515	22	16	from	from	ADP
hassl-3515	22	17	depositors	depositor	NOUN
hassl-3515	22	18	to	to	ADP
hassl-3515	22	19	loans	loan	NOUN
hassl-3515	22	20	to	to	ADP
hassl-3515	22	21	society	society	NOUN
hassl-3515	22	22	,	,	PUNCT
hassl-3515	22	23	banks	bank	NOUN
hassl-3515	22	24	can	can	AUX
hassl-3515	22	25	obtain	obtain	VERB
hassl-3515	22	26	additional	additional	ADJ
hassl-3515	22	27	revenue	revenue	NOUN
hassl-3515	22	28	from	from	ADP
hassl-3515	22	29	the	the	DET
hassl-3515	22	30	services	service	NOUN
hassl-3515	22	31	(	(	PUNCT
hassl-3515	22	32	mishkin	mishkin	PROPN
hassl-3515	22	33	&	&	CCONJ
hassl-3515	22	34	eakins	eakin	NOUN
hassl-3515	22	35	,	,	PUNCT
hassl-3515	22	36	2018	2018	NUM
hassl-3515	22	37	)	)	PUNCT
hassl-3515	22	38	.	.	PUNCT
hassl-3515	23	1	this	this	DET
hassl-3515	23	2	revenue	revenue	NOUN
hassl-3515	23	3	is	be	AUX
hassl-3515	23	4	also	also	ADV
hassl-3515	23	5	called	call	VERB
hassl-3515	23	6	feebased	feebased	ADJ
hassl-3515	23	7	income	income	NOUN
hassl-3515	23	8	,	,	PUNCT
hassl-3515	23	9	where	where	SCONJ
hassl-3515	23	10	one	one	NUM
hassl-3515	23	11	of	of	ADP
hassl-3515	23	12	the	the	DET
hassl-3515	23	13	sources	source	NOUN
hassl-3515	23	14	is	be	AUX
hassl-3515	23	15	the	the	DET
hassl-3515	23	16	charge	charge	NOUN
hassl-3515	23	17	on	on	ADP
hassl-3515	23	18	the	the	DET
hassl-3515	23	19	credit	credit	NOUN
hassl-3515	23	20	cards	card	NOUN
hassl-3515	23	21	utilized	utilize	VERB
hassl-3515	23	22	by	by	ADP
hassl-3515	23	23	their	their	PRON
hassl-3515	23	24	consumers	consumer	NOUN
hassl-3515	23	25	(	(	PUNCT
hassl-3515	23	26	ismaulina	ismaulina	NOUN
hassl-3515	23	27	&	&	CCONJ
hassl-3515	23	28	haqiqi	haqiqi	NOUN
hassl-3515	23	29	,	,	PUNCT
hassl-3515	23	30	2018	2018	NUM
hassl-3515	23	31	)	)	PUNCT
hassl-3515	23	32	.	.	PUNCT
hassl-3515	24	1	these	these	DET
hassl-3515	24	2	cards	card	NOUN
hassl-3515	24	3	are	be	AUX
hassl-3515	24	4	a	a	DET
hassl-3515	24	5	bank	bank	NOUN
hassl-3515	24	6	partnership	partnership	NOUN
hassl-3515	24	7	under	under	ADP
hassl-3515	24	8	the	the	DET
hassl-3515	24	9	license	license	NOUN
hassl-3515	24	10	of	of	ADP
hassl-3515	24	11	international	international	ADJ
hassl-3515	24	12	organizations	organization	NOUN
hassl-3515	24	13	,	,	PUNCT
hassl-3515	24	14	such	such	ADJ
hassl-3515	24	15	as	as	ADP
hassl-3515	24	16	master	master	NOUN
hassl-3515	24	17	card	card	NOUN
hassl-3515	24	18	,	,	PUNCT
hassl-3515	24	19	visa	visa	NOUN
hassl-3515	24	20	,	,	PUNCT
hassl-3515	24	21	american	american	PROPN
hassl-3515	24	22	express	express	PROPN
hassl-3515	24	23	,	,	PUNCT
hassl-3515	24	24	diners	diner	NOUN
hassl-3515	24	25	club	club	NOUN
hassl-3515	24	26	,	,	PUNCT
hassl-3515	24	27	japan	japan	PROPN
hassl-3515	24	28	credit	credit	PROPN
hassl-3515	24	29	bureau	bureau	NOUN
hassl-3515	24	30	,	,	PUNCT
hassl-3515	24	31	and	and	CCONJ
hassl-3515	24	32	chinese	chinese	PROPN
hassl-3515	24	33	union	union	PROPN
hassl-3515	24	34	pay	pay	NOUN
hassl-3515	24	35	(	(	PUNCT
hassl-3515	24	36	trinh	trinh	PROPN
hassl-3515	24	37	,	,	PUNCT
hassl-3515	24	38	tran	tran	PROPN
hassl-3515	24	39	,	,	PUNCT
hassl-3515	24	40	&	&	CCONJ
hassl-3515	24	41	vuong	vuong	PROPN
hassl-3515	24	42	,	,	PUNCT
hassl-3515	24	43	2020	2020	NUM
hassl-3515	24	44	)	)	PUNCT
hassl-3515	24	45	.	.	PUNCT
hassl-3515	25	1	unlike	unlike	ADP
hassl-3515	25	2	bank	bank	NOUN
hassl-3515	25	3	loans	loan	NOUN
hassl-3515	25	4	,	,	PUNCT
hassl-3515	25	5	people	people	NOUN
hassl-3515	25	6	can	can	AUX
hassl-3515	25	7	use	use	VERB
hassl-3515	25	8	their	their	PRON
hassl-3515	25	9	cards	card	NOUN
hassl-3515	25	10	without	without	ADP
hassl-3515	25	11	providing	provide	VERB
hassl-3515	25	12	a	a	DET
hassl-3515	25	13	fixed	fix	VERB
hassl-3515	25	14	asset	asset	NOUN
hassl-3515	25	15	as	as	ADP
hassl-3515	25	16	collateral	collateral	NOUN
hassl-3515	25	17	(	(	PUNCT
hassl-3515	25	18	ponpunthin	ponpunthin	NOUN
hassl-3515	25	19	&	&	CCONJ
hassl-3515	25	20	humanities	humanity	NOUN
hassl-3515	25	21	and	and	CCONJ
hassl-3515	25	22	social	social	ADJ
hassl-3515	25	23	sciences	science	NOUN
hassl-3515	25	24	letters	letter	NOUN
hassl-3515	25	25	2023	2023	NUM
hassl-3515	25	26	vol	vol	NOUN
hassl-3515	25	27	.	.	PUNCT
hassl-3515	26	1	11	11	NUM
hassl-3515	26	2	,	,	PUNCT
hassl-3515	26	3	no	no	INTJ
hassl-3515	26	4	.	.	NOUN
hassl-3515	26	5	3	3	NUM
hassl-3515	26	6	,	,	PUNCT
hassl-3515	26	7	pp	pp	ADJ
hassl-3515	26	8	.	.	PUNCT
hassl-3515	27	1	349	349	NUM
hassl-3515	27	2	-	-	SYM
hassl-3515	27	3	361	361	NUM
hassl-3515	27	4	issn(e	issn(e	NOUN
hassl-3515	27	5	):	):	PUNCT
hassl-3515	27	6	2312	2312	NUM
hassl-3515	27	7	-	-	SYM
hassl-3515	27	8	4318	4318	NUM
hassl-3515	27	9	issn(p	issn(p	NUM
hassl-3515	27	10	):	):	PUNCT
hassl-3515	27	11	2312	2312	NUM
hassl-3515	27	12	-	-	SYM
hassl-3515	27	13	5659	5659	NUM
hassl-3515	27	14	doi	doi	NOUN
hassl-3515	27	15	:	:	PUNCT
hassl-3515	27	16	10.18488/73.v11i3.3515	10.18488/73.v11i3.3515	PROPN
hassl-3515	27	17	©	©	PROPN
hassl-3515	27	18	2023	2023	NUM
hassl-3515	27	19	conscientia	conscientia	PROPN
hassl-3515	27	20	beam	beam	PROPN
hassl-3515	27	21	.	.	PUNCT
hassl-3515	28	1	all	all	DET
hassl-3515	28	2	rights	right	NOUN
hassl-3515	28	3	reserved	reserve	VERB
hassl-3515	28	4	.	.	PUNCT
hassl-3515	29	1	https://orcid.org/0000-0001-9140-3216	https://orcid.org/0000-0001-9140-3216	VERB
hassl-3515	29	2	https://orcid.org/0000-0001-5150-6894	https://orcid.org/0000-0001-5150-6894	PROPN
hassl-3515	29	3	https://orcid.org/0000-0002-3754-8374	https://orcid.org/0000-0002-3754-8374	PROPN
hassl-3515	29	4	https://orcid.org/0000-0002-0897-5940	https://orcid.org/0000-0002-0897-5940	PROPN
hassl-3515	29	5	https://orcid.org/0000-0003-1435-8225	https://orcid.org/0000-0003-1435-8225	PROPN
hassl-3515	29	6	mailto:bram.hadianto@eco.maranatha.edu	mailto:bram.hadianto@eco.maranatha.edu	VERB
hassl-3515	29	7	mailto:herlina@eco.maranatha.edu	mailto:herlina@eco.maranatha.edu	PROPN
hassl-3515	29	8	mailto:ana.mariana@eco.maranatha.edu	mailto:ana.mariana@eco.maranatha.edu	NUM
hassl-3515	29	9	mailto:rully.arlan@eco.maranatha.edu	mailto:rully.arlan@eco.maranatha.edu	NOUN
hassl-3515	29	10	mailto:lauw.tjun_tjun@eco.maranatha.edu	mailto:lauw.tjun_tjun@eco.maranatha.edu	PROPN
hassl-3515	29	11	https://www.doi.org/10.18488/73.v11i3.3515	https://www.doi.org/10.18488/73.v11i3.3515	NOUN
hassl-3515	29	12	humanities	humanity	NOUN
hassl-3515	29	13	and	and	CCONJ
hassl-3515	29	14	social	social	ADJ
hassl-3515	29	15	sciences	science	NOUN
hassl-3515	29	16	letters	letter	NOUN
hassl-3515	29	17	,	,	PUNCT
hassl-3515	29	18	2023	2023	NUM
hassl-3515	29	19	,	,	PUNCT
hassl-3515	29	20	11(3	11(3	NUM
hassl-3515	29	21	):	):	PUNCT
hassl-3515	29	22	349	349	NUM
hassl-3515	29	23	-	-	SYM
hassl-3515	29	24	361	361	NUM
hassl-3515	29	25	350	350	NUM
hassl-3515	29	26	©	©	PROPN
hassl-3515	29	27	2023	2023	NUM
hassl-3515	29	28	conscientia	conscientia	PROPN
hassl-3515	29	29	beam	beam	PROPN
hassl-3515	29	30	.	.	PUNCT
hassl-3515	30	1	all	all	DET
hassl-3515	30	2	rights	right	NOUN
hassl-3515	30	3	reserved	reserve	VERB
hassl-3515	30	4	.	.	PUNCT
hassl-3515	31	1	jantarakolica	jantarakolica	PROPN
hassl-3515	31	2	,	,	PUNCT
hassl-3515	31	3	2017	2017	NUM
hassl-3515	31	4	)	)	PUNCT
hassl-3515	31	5	.	.	PUNCT
hassl-3515	32	1	with	with	ADP
hassl-3515	32	2	these	these	DET
hassl-3515	32	3	cards	card	NOUN
hassl-3515	32	4	,	,	PUNCT
hassl-3515	32	5	users	user	NOUN
hassl-3515	32	6	can	can	AUX
hassl-3515	32	7	spend	spend	VERB
hassl-3515	32	8	the	the	DET
hassl-3515	32	9	existing	exist	VERB
hassl-3515	32	10	limit	limit	NOUN
hassl-3515	32	11	on	on	ADP
hassl-3515	32	12	buying	buy	VERB
hassl-3515	32	13	goods	good	NOUN
hassl-3515	32	14	and	and	CCONJ
hassl-3515	32	15	paying	pay	VERB
hassl-3515	32	16	for	for	ADP
hassl-3515	32	17	services	service	NOUN
hassl-3515	32	18	(	(	PUNCT
hassl-3515	32	19	akela	akela	PROPN
hassl-3515	32	20	,	,	PUNCT
hassl-3515	32	21	2020	2020	NUM
hassl-3515	32	22	)	)	PUNCT
hassl-3515	32	23	.	.	PUNCT
hassl-3515	33	1	additionally	additionally	ADV
hassl-3515	33	2	,	,	PUNCT
hassl-3515	33	3	they	they	PRON
hassl-3515	33	4	can	can	AUX
hassl-3515	33	5	withdraw	withdraw	VERB
hassl-3515	33	6	money	money	NOUN
hassl-3515	33	7	in	in	ADP
hassl-3515	33	8	advance	advance	NOUN
hassl-3515	33	9	(	(	PUNCT
hassl-3515	33	10	trinh	trinh	PROPN
hassl-3515	33	11	et	et	PROPN
hassl-3515	33	12	al	al	PROPN
hassl-3515	33	13	.	.	PROPN
hassl-3515	33	14	,	,	PUNCT
hassl-3515	33	15	2020	2020	NUM
hassl-3515	33	16	)	)	PUNCT
hassl-3515	33	17	through	through	ADP
hassl-3515	33	18	automatic	automatic	ADJ
hassl-3515	33	19	teller	teller	NOUN
hassl-3515	33	20	machines	machine	NOUN
hassl-3515	33	21	(	(	PUNCT
hassl-3515	33	22	achsan	achsan	ADJ
hassl-3515	33	23	,	,	PUNCT
hassl-3515	33	24	achsani	achsani	NOUN
hassl-3515	33	25	,	,	PUNCT
hassl-3515	33	26	&	&	CCONJ
hassl-3515	33	27	bandono	bandono	PROPN
hassl-3515	33	28	,	,	PUNCT
hassl-3515	33	29	2022	2022	NUM
hassl-3515	33	30	)	)	PUNCT
hassl-3515	33	31	.	.	PUNCT
hassl-3515	34	1	the	the	DET
hassl-3515	34	2	utilization	utilization	NOUN
hassl-3515	34	3	of	of	ADP
hassl-3515	34	4	credit	credit	NOUN
hassl-3515	34	5	cards	card	NOUN
hassl-3515	34	6	by	by	ADP
hassl-3515	34	7	individuals	individual	NOUN
hassl-3515	34	8	includes	include	VERB
hassl-3515	34	9	not	not	PART
hassl-3515	34	10	only	only	ADV
hassl-3515	34	11	the	the	DET
hassl-3515	34	12	acquisition	acquisition	NOUN
hassl-3515	34	13	of	of	ADP
hassl-3515	34	14	goods	good	NOUN
hassl-3515	34	15	,	,	PUNCT
hassl-3515	34	16	payment	payment	NOUN
hassl-3515	34	17	for	for	ADP
hassl-3515	34	18	services	service	NOUN
hassl-3515	34	19	,	,	PUNCT
hassl-3515	34	20	and	and	CCONJ
hassl-3515	34	21	cash	cash	NOUN
hassl-3515	34	22	withdrawals	withdrawal	NOUN
hassl-3515	34	23	in	in	ADP
hassl-3515	34	24	advance	advance	NOUN
hassl-3515	34	25	but	but	CCONJ
hassl-3515	34	26	also	also	ADV
hassl-3515	34	27	encompasses	encompass	VERB
hassl-3515	34	28	the	the	DET
hassl-3515	34	29	many	many	ADJ
hassl-3515	34	30	methods	method	NOUN
hassl-3515	34	31	of	of	ADP
hassl-3515	34	32	billing	billing	NOUN
hassl-3515	34	33	payments	payment	NOUN
hassl-3515	34	34	,	,	PUNCT
hassl-3515	34	35	whether	whether	SCONJ
hassl-3515	34	36	in	in	ADP
hassl-3515	34	37	their	their	PRON
hassl-3515	34	38	entirety	entirety	NOUN
hassl-3515	34	39	or	or	CCONJ
hassl-3515	34	40	thorough	thorough	ADJ
hassl-3515	34	41	installment	installment	NOUN
hassl-3515	34	42	plans	plan	NOUN
hassl-3515	34	43	.	.	PUNCT
hassl-3515	35	1	if	if	SCONJ
hassl-3515	35	2	the	the	DET
hassl-3515	35	3	bills	bill	NOUN
hassl-3515	35	4	are	be	AUX
hassl-3515	35	5	unpaid	unpaid	ADJ
hassl-3515	35	6	punctually	punctually	ADV
hassl-3515	35	7	,	,	PUNCT
hassl-3515	35	8	the	the	DET
hassl-3515	35	9	users	user	NOUN
hassl-3515	35	10	must	must	AUX
hassl-3515	35	11	compensate	compensate	VERB
hassl-3515	35	12	the	the	DET
hassl-3515	35	13	late	late	ADJ
hassl-3515	35	14	charge	charge	NOUN
hassl-3515	35	15	fee	fee	NOUN
hassl-3515	35	16	set	set	VERB
hassl-3515	35	17	by	by	ADP
hassl-3515	35	18	the	the	DET
hassl-3515	35	19	bank	bank	NOUN
hassl-3515	35	20	issuing	issue	VERB
hassl-3515	35	21	this	this	DET
hassl-3515	35	22	card	card	NOUN
hassl-3515	35	23	(	(	PUNCT
hassl-3515	35	24	soll	soll	PROPN
hassl-3515	35	25	,	,	PUNCT
hassl-3515	35	26	keeney	keeney	PROPN
hassl-3515	35	27	,	,	PUNCT
hassl-3515	35	28	&	&	CCONJ
hassl-3515	35	29	larrick	larrick	PROPN
hassl-3515	35	30	,	,	PUNCT
hassl-3515	35	31	2013	2013	NUM
hassl-3515	35	32	)	)	PUNCT
hassl-3515	35	33	.	.	PUNCT
hassl-3515	36	1	their	their	PRON
hassl-3515	36	2	rating	rating	NOUN
hassl-3515	36	3	status	status	NOUN
hassl-3515	36	4	will	will	AUX
hassl-3515	36	5	decline	decline	VERB
hassl-3515	36	6	if	if	SCONJ
hassl-3515	36	7	they	they	PRON
hassl-3515	36	8	can	can	AUX
hassl-3515	36	9	not	not	PART
hassl-3515	36	10	pay	pay	VERB
hassl-3515	36	11	the	the	DET
hassl-3515	36	12	minimum	minimum	NOUN
hassl-3515	36	13	amount	amount	NOUN
hassl-3515	36	14	(	(	PUNCT
hassl-3515	36	15	jaishu	jaishu	NOUN
hassl-3515	36	16	,	,	PUNCT
hassl-3515	36	17	2018	2018	NUM
hassl-3515	36	18	)	)	PUNCT
hassl-3515	36	19	.	.	PUNCT
hassl-3515	37	1	in	in	ADP
hassl-3515	37	2	indonesia	indonesia	PROPN
hassl-3515	37	3	,	,	PUNCT
hassl-3515	37	4	the	the	DET
hassl-3515	37	5	minimum	minimum	ADJ
hassl-3515	37	6	level	level	NOUN
hassl-3515	37	7	intended	intend	VERB
hassl-3515	37	8	is	be	AUX
hassl-3515	37	9	10	10	NUM
hassl-3515	37	10	%	%	NOUN
hassl-3515	37	11	of	of	ADP
hassl-3515	37	12	the	the	DET
hassl-3515	37	13	amount	amount	NOUN
hassl-3515	37	14	billed	bill	VERB
hassl-3515	37	15	(	(	PUNCT
hassl-3515	37	16	sumarto	sumarto	PROPN
hassl-3515	37	17	,	,	PUNCT
hassl-3515	37	18	subroto	subroto	NOUN
hassl-3515	37	19	,	,	PUNCT
hassl-3515	37	20	&	&	CCONJ
hassl-3515	37	21	arianto	arianto	ADP
hassl-3515	37	22	,	,	PUNCT
hassl-3515	37	23	2011	2011	NUM
hassl-3515	37	24	)	)	PUNCT
hassl-3515	37	25	.	.	PUNCT
hassl-3515	38	1	studies	study	NOUN
hassl-3515	38	2	learning	learn	VERB
hassl-3515	38	3	the	the	DET
hassl-3515	38	4	behavioral	behavioral	ADJ
hassl-3515	38	5	determinants	determinant	NOUN
hassl-3515	38	6	of	of	ADP
hassl-3515	38	7	credit	credit	NOUN
hassl-3515	38	8	card	card	NOUN
hassl-3515	38	9	users	user	NOUN
hassl-3515	38	10	exist	exist	VERB
hassl-3515	38	11	based	base	VERB
hassl-3515	38	12	on	on	ADP
hassl-3515	38	13	respondents	respondent	NOUN
hassl-3515	38	14	from	from	ADP
hassl-3515	38	15	several	several	ADJ
hassl-3515	38	16	countries	country	NOUN
hassl-3515	38	17	,	,	PUNCT
hassl-3515	38	18	such	such	ADJ
hassl-3515	38	19	as	as	ADP
hassl-3515	38	20	the	the	DET
hassl-3515	38	21	united	united	PROPN
hassl-3515	38	22	states	states	PROPN
hassl-3515	38	23	(	(	PUNCT
hassl-3515	38	24	limerick	limerick	PROPN
hassl-3515	38	25	&	&	CCONJ
hassl-3515	38	26	peltier	peltier	PROPN
hassl-3515	38	27	,	,	PUNCT
hassl-3515	38	28	2014	2014	NUM
hassl-3515	38	29	;	;	PUNCT
hassl-3515	38	30	mansfield	mansfield	PROPN
hassl-3515	38	31	,	,	PUNCT
hassl-3515	38	32	pinto	pinto	NOUN
hassl-3515	38	33	,	,	PUNCT
hassl-3515	38	34	&	&	CCONJ
hassl-3515	38	35	parente	parente	X
hassl-3515	38	36	,	,	PUNCT
hassl-3515	38	37	2003	2003	NUM
hassl-3515	38	38	;	;	PUNCT
hassl-3515	38	39	robb	robb	NOUN
hassl-3515	38	40	,	,	PUNCT
hassl-3515	38	41	2011	2011	NUM
hassl-3515	38	42	)	)	PUNCT
hassl-3515	38	43	,	,	PUNCT
hassl-3515	38	44	the	the	DET
hassl-3515	38	45	united	united	ADJ
hassl-3515	38	46	kingdom	kingdom	PROPN
hassl-3515	38	47	(	(	PUNCT
hassl-3515	38	48	gathergood	gathergood	NOUN
hassl-3515	38	49	,	,	PUNCT
hassl-3515	38	50	2012	2012	NUM
hassl-3515	38	51	)	)	PUNCT
hassl-3515	38	52	,	,	PUNCT
hassl-3515	38	53	brazil	brazil	PROPN
hassl-3515	38	54	(	(	PUNCT
hassl-3515	38	55	matos	matos	PROPN
hassl-3515	38	56	,	,	PUNCT
hassl-3515	38	57	vieira	vieira	NOUN
hassl-3515	38	58	,	,	PUNCT
hassl-3515	38	59	bonfanti	bonfanti	NOUN
hassl-3515	38	60	,	,	PUNCT
hassl-3515	38	61	&	&	CCONJ
hassl-3515	38	62	mette	mette	PROPN
hassl-3515	38	63	,	,	PUNCT
hassl-3515	38	64	2019	2019	NUM
hassl-3515	38	65	)	)	PUNCT
hassl-3515	38	66	,	,	PUNCT
hassl-3515	38	67	mexico	mexico	PROPN
hassl-3515	38	68	(	(	PUNCT
hassl-3515	38	69	hernández	hernández	PROPN
hassl-3515	38	70	-	-	PUNCT
hassl-3515	38	71	mejía	mejía	NOUN
hassl-3515	38	72	,	,	PUNCT
hassl-3515	38	73	garcía	garcía	ADJ
hassl-3515	38	74	-	-	PUNCT
hassl-3515	38	75	santillán	santillán	NOUN
hassl-3515	38	76	,	,	PUNCT
hassl-3515	38	77	&	&	CCONJ
hassl-3515	38	78	moreno	moreno	PROPN
hassl-3515	38	79	-	-	PUNCT
hassl-3515	38	80	garcía	garcía	ADJ
hassl-3515	38	81	,	,	PUNCT
hassl-3515	38	82	2021	2021	NUM
hassl-3515	38	83	)	)	PUNCT
hassl-3515	38	84	,	,	PUNCT
hassl-3515	38	85	china	china	PROPN
hassl-3515	38	86	(	(	PUNCT
hassl-3515	38	87	chen	chen	PROPN
hassl-3515	38	88	,	,	PUNCT
hassl-3515	38	89	yu	yu	PROPN
hassl-3515	38	90	,	,	PUNCT
hassl-3515	38	91	&	&	CCONJ
hassl-3515	38	92	sun	sun	PROPN
hassl-3515	38	93	,	,	PUNCT
hassl-3515	38	94	2023	2023	NUM
hassl-3515	38	95	;	;	PUNCT
hassl-3515	38	96	wang	wang	PROPN
hassl-3515	38	97	,	,	PUNCT
hassl-3515	38	98	lu	lu	PROPN
hassl-3515	38	99	,	,	PUNCT
hassl-3515	38	100	&	&	CCONJ
hassl-3515	38	101	malhotra	malhotra	PROPN
hassl-3515	38	102	,	,	PUNCT
hassl-3515	38	103	2011	2011	NUM
hassl-3515	38	104	)	)	PUNCT
hassl-3515	38	105	,	,	PUNCT
hassl-3515	38	106	oman	oman	NOUN
hassl-3515	38	107	(	(	PUNCT
hassl-3515	38	108	uddin	uddin	PROPN
hassl-3515	38	109	,	,	PUNCT
hassl-3515	38	110	2021	2021	NUM
hassl-3515	38	111	)	)	PUNCT
hassl-3515	38	112	,	,	PUNCT
hassl-3515	38	113	spain	spain	PROPN
hassl-3515	38	114	(	(	PUNCT
hassl-3515	38	115	fernández	fernández	PROPN
hassl-3515	38	116	-	-	PUNCT
hassl-3515	38	117	lópez	lópez	PROPN
hassl-3515	38	118	,	,	PUNCT
hassl-3515	38	119	castro	castro	PROPN
hassl-3515	38	120	-	-	PUNCT
hassl-3515	38	121	gonzález	gonzález	PROPN
hassl-3515	38	122	,	,	PUNCT
hassl-3515	38	123	rey	rey	PROPN
hassl-3515	38	124	-	-	PUNCT
hassl-3515	38	125	ares	are	NOUN
hassl-3515	38	126	,	,	PUNCT
hassl-3515	38	127	&	&	CCONJ
hassl-3515	38	128	rodeiro	rodeiro	NOUN
hassl-3515	38	129	-	-	PUNCT
hassl-3515	38	130	pazos	pazos	NOUN
hassl-3515	38	131	,	,	PUNCT
hassl-3515	38	132	2023	2023	NUM
hassl-3515	38	133	)	)	PUNCT
hassl-3515	38	134	,	,	PUNCT
hassl-3515	38	135	malaysia	malaysia	PROPN
hassl-3515	38	136	(	(	PUNCT
hassl-3515	38	137	ahmed	ahmed	PROPN
hassl-3515	38	138	,	,	PUNCT
hassl-3515	38	139	ismail	ismail	PROPN
hassl-3515	38	140	,	,	PUNCT
hassl-3515	38	141	sadiq	sadiq	PROPN
hassl-3515	38	142	sohail	sohail	PROPN
hassl-3515	38	143	,	,	PUNCT
hassl-3515	38	144	tabsh	tabsh	NOUN
hassl-3515	38	145	,	,	PUNCT
hassl-3515	38	146	&	&	CCONJ
hassl-3515	38	147	alias	alias	PROPN
hassl-3515	38	148	,	,	PUNCT
hassl-3515	38	149	2010	2010	NUM
hassl-3515	38	150	;	;	PUNCT
hassl-3515	38	151	alam	alam	PROPN
hassl-3515	38	152	,	,	PUNCT
hassl-3515	38	153	rahim	rahim	PROPN
hassl-3515	38	154	,	,	PUNCT
hassl-3515	38	155	haq	haq	PROPN
hassl-3515	38	156	,	,	PUNCT
hassl-3515	38	157	&	&	CCONJ
hassl-3515	38	158	khan	khan	PROPN
hassl-3515	38	159	,	,	PUNCT
hassl-3515	38	160	2014	2014	NUM
hassl-3515	38	161	;	;	PUNCT
hassl-3515	38	162	omar	omar	PROPN
hassl-3515	38	163	,	,	PUNCT
hassl-3515	38	164	rahim	rahim	PROPN
hassl-3515	38	165	,	,	PUNCT
hassl-3515	38	166	wel	wel	PROPN
hassl-3515	38	167	,	,	PUNCT
hassl-3515	38	168	&	&	CCONJ
hassl-3515	38	169	alam	alam	PROPN
hassl-3515	38	170	,	,	PUNCT
hassl-3515	38	171	2014	2014	NUM
hassl-3515	38	172	)	)	PUNCT
hassl-3515	38	173	,	,	PUNCT
hassl-3515	38	174	pakistan	pakistan	PROPN
hassl-3515	38	175	(	(	PUNCT
hassl-3515	38	176	perera	perera	PROPN
hassl-3515	38	177	,	,	PUNCT
hassl-3515	38	178	dayanga	dayanga	ADV
hassl-3515	38	179	,	,	PUNCT
hassl-3515	38	180	&	&	CCONJ
hassl-3515	38	181	jayasuriya	jayasuriya	PROPN
hassl-3515	38	182	,	,	PUNCT
hassl-3515	38	183	2016	2016	NUM
hassl-3515	38	184	)	)	PUNCT
hassl-3515	38	185	,	,	PUNCT
hassl-3515	38	186	and	and	CCONJ
hassl-3515	38	187	indonesia	indonesia	PROPN
hassl-3515	38	188	(	(	PUNCT
hassl-3515	38	189	destianata	destianata	PROPN
hassl-3515	38	190	&	&	CCONJ
hassl-3515	38	191	lutfi	lutfi	PROPN
hassl-3515	38	192	,	,	PUNCT
hassl-3515	38	193	2016	2016	NUM
hassl-3515	38	194	;	;	PUNCT
hassl-3515	38	195	haryana	haryana	PROPN
hassl-3515	38	196	,	,	PUNCT
hassl-3515	38	197	2017	2017	NUM
hassl-3515	38	198	;	;	PUNCT
hassl-3515	38	199	lestari	lestari	PROPN
hassl-3515	38	200	,	,	PUNCT
hassl-3515	38	201	suharjo	suharjo	NOUN
hassl-3515	38	202	,	,	PUNCT
hassl-3515	38	203	&	&	CCONJ
hassl-3515	38	204	muflikhati	muflikhati	PROPN
hassl-3515	38	205	,	,	PUNCT
hassl-3515	38	206	2017	2017	NUM
hassl-3515	38	207	;	;	PUNCT
hassl-3515	38	208	sandy	sandy	PROPN
hassl-3515	38	209	&	&	CCONJ
hassl-3515	38	210	renanita	renanita	PROPN
hassl-3515	38	211	,	,	PUNCT
hassl-3515	38	212	2018	2018	NUM
hassl-3515	38	213	;	;	PUNCT
hassl-3515	38	214	simanjuntak	simanjuntak	PROPN
hassl-3515	38	215	&	&	CCONJ
hassl-3515	38	216	rosifa	rosifa	PROPN
hassl-3515	38	217	,	,	PUNCT
hassl-3515	38	218	2016	2016	NUM
hassl-3515	38	219	)	)	PUNCT
hassl-3515	38	220	.	.	PUNCT
hassl-3515	39	1	at	at	ADV
hassl-3515	39	2	least	least	ADV
hassl-3515	39	3	three	three	NUM
hassl-3515	39	4	determinants	determinant	NOUN
hassl-3515	39	5	of	of	ADP
hassl-3515	39	6	credit	credit	NOUN
hassl-3515	39	7	card	card	NOUN
hassl-3515	39	8	utilization	utilization	NOUN
hassl-3515	39	9	(	(	PUNCT
hassl-3515	39	10	ccu	ccu	PROPN
hassl-3515	39	11	)	)	PUNCT
hassl-3515	39	12	exist	exist	VERB
hassl-3515	39	13	in	in	ADP
hassl-3515	39	14	their	their	PRON
hassl-3515	39	15	research	research	NOUN
hassl-3515	39	16	model	model	NOUN
hassl-3515	39	17	:	:	PUNCT
hassl-3515	39	18	financial	financial	ADJ
hassl-3515	39	19	literacy	literacy	NOUN
hassl-3515	39	20	(	(	PUNCT
hassl-3515	39	21	fl	fl	NOUN
hassl-3515	39	22	)	)	PUNCT
hassl-3515	39	23	,	,	PUNCT
hassl-3515	39	24	self	self	NOUN
hassl-3515	39	25	-	-	PUNCT
hassl-3515	39	26	control	control	NOUN
hassl-3515	39	27	,	,	PUNCT
hassl-3515	39	28	and	and	CCONJ
hassl-3515	39	29	self	self	NOUN
hassl-3515	39	30	-	-	PUNCT
hassl-3515	39	31	esteem	esteem	NOUN
hassl-3515	39	32	.	.	PUNCT
hassl-3515	40	1	however	however	ADV
hassl-3515	40	2	,	,	PUNCT
hassl-3515	40	3	the	the	DET
hassl-3515	40	4	result	result	NOUN
hassl-3515	40	5	is	be	AUX
hassl-3515	40	6	still	still	ADV
hassl-3515	40	7	totally	totally	ADV
hassl-3515	40	8	debated	debate	VERB
hassl-3515	40	9	.	.	PUNCT
hassl-3515	41	1	robb	robb	NOUN
hassl-3515	41	2	(	(	PUNCT
hassl-3515	41	3	2011	2011	NUM
hassl-3515	41	4	)	)	PUNCT
hassl-3515	41	5	explains	explain	VERB
hassl-3515	41	6	that	that	SCONJ
hassl-3515	41	7	fl	fl	NOUN
hassl-3515	41	8	negatively	negatively	ADV
hassl-3515	41	9	affects	affect	VERB
hassl-3515	41	10	maximum	maximum	ADJ
hassl-3515	41	11	credit	credit	NOUN
hassl-3515	41	12	utilization	utilization	NOUN
hassl-3515	41	13	,	,	PUNCT
hassl-3515	41	14	late	late	ADJ
hassl-3515	41	15	payment	payment	NOUN
hassl-3515	41	16	,	,	PUNCT
hassl-3515	41	17	and	and	CCONJ
hassl-3515	41	18	cash	cash	NOUN
hassl-3515	41	19	in	in	ADP
hassl-3515	41	20	advance	advance	NOUN
hassl-3515	41	21	and	and	CCONJ
hassl-3515	41	22	positively	positively	ADV
hassl-3515	41	23	influences	influence	NOUN
hassl-3515	41	24	paying	pay	VERB
hassl-3515	41	25	the	the	DET
hassl-3515	41	26	bill	bill	NOUN
hassl-3515	41	27	above	above	ADP
hassl-3515	41	28	the	the	DET
hassl-3515	41	29	minimum	minimum	NOUN
hassl-3515	41	30	amount	amount	NOUN
hassl-3515	41	31	.	.	PUNCT
hassl-3515	42	1	in	in	ADP
hassl-3515	42	2	their	their	PRON
hassl-3515	42	3	study	study	NOUN
hassl-3515	42	4	,	,	PUNCT
hassl-3515	42	5	alam	alam	PROPN
hassl-3515	42	6	et	et	PROPN
hassl-3515	42	7	al	al	PROPN
hassl-3515	42	8	.	.	PROPN
hassl-3515	43	1	(	(	PUNCT
hassl-3515	43	2	2014	2014	NUM
hassl-3515	43	3	)	)	PUNCT
hassl-3515	43	4	document	document	NOUN
hassl-3515	43	5	a	a	DET
hassl-3515	43	6	positive	positive	ADJ
hassl-3515	43	7	tendency	tendency	NOUN
hassl-3515	43	8	of	of	ADP
hassl-3515	43	9	fl	fl	NUM
hassl-3515	43	10	towards	towards	ADP
hassl-3515	43	11	ccu	ccu	PROPN
hassl-3515	43	12	.	.	PUNCT
hassl-3515	44	1	meanwhile	meanwhile	ADV
hassl-3515	44	2	,	,	PUNCT
hassl-3515	44	3	hernández	hernández	PROPN
hassl-3515	44	4	-	-	PUNCT
hassl-3515	44	5	mejía	mejía	NOUN
hassl-3515	44	6	et	et	PROPN
hassl-3515	44	7	al	al	PROPN
hassl-3515	44	8	.	.	PROPN
hassl-3515	45	1	(	(	PUNCT
hassl-3515	45	2	2021	2021	NUM
hassl-3515	45	3	)	)	PUNCT
hassl-3515	45	4	demonstrate	demonstrate	VERB
hassl-3515	45	5	that	that	SCONJ
hassl-3515	45	6	fl	fl	PROPN
hassl-3515	45	7	positively	positively	ADV
hassl-3515	45	8	affects	affect	VERB
hassl-3515	45	9	the	the	DET
hassl-3515	45	10	personal	personal	ADJ
hassl-3515	45	11	payment	payment	NOUN
hassl-3515	45	12	of	of	ADP
hassl-3515	45	13	entire	entire	ADJ
hassl-3515	45	14	bills	bill	NOUN
hassl-3515	45	15	.	.	PUNCT
hassl-3515	46	1	furthermore	furthermore	ADV
hassl-3515	46	2	,	,	PUNCT
hassl-3515	46	3	chen	chen	PROPN
hassl-3515	46	4	et	et	PROPN
hassl-3515	46	5	al	al	PROPN
hassl-3515	46	6	.	.	PROPN
hassl-3515	46	7	(	(	PUNCT
hassl-3515	46	8	2023	2023	NUM
hassl-3515	46	9	)	)	PUNCT
hassl-3515	46	10	exhibit	exhibit	VERB
hassl-3515	46	11	that	that	PRON
hassl-3515	46	12	fl	fl	PROPN
hassl-3515	46	13	positively	positively	ADV
hassl-3515	46	14	and	and	CCONJ
hassl-3515	46	15	negatively	negatively	ADV
hassl-3515	46	16	influences	influence	VERB
hassl-3515	46	17	respectable	respectable	ADJ
hassl-3515	46	18	and	and	CCONJ
hassl-3515	46	19	undesired	undesired	ADJ
hassl-3515	46	20	ccus	ccus	NOUN
hassl-3515	46	21	.	.	PUNCT
hassl-3515	47	1	uddin	uddin	PROPN
hassl-3515	47	2	(	(	PUNCT
hassl-3515	47	3	2021	2021	NUM
hassl-3515	47	4	)	)	PUNCT
hassl-3515	47	5	reports	report	VERB
hassl-3515	47	6	that	that	PRON
hassl-3515	47	7	respectable	respectable	ADJ
hassl-3515	47	8	fl	fl	NOUN
hassl-3515	47	9	decreases	decrease	VERB
hassl-3515	47	10	terrible	terrible	ADJ
hassl-3515	47	11	ccu	ccu	PROPN
hassl-3515	47	12	.	.	PUNCT
hassl-3515	48	1	differing	differ	VERB
hassl-3515	48	2	from	from	ADP
hassl-3515	48	3	those	those	PRON
hassl-3515	48	4	only	only	ADV
hassl-3515	48	5	focusing	focus	VERB
hassl-3515	48	6	on	on	ADP
hassl-3515	48	7	the	the	DET
hassl-3515	48	8	single	single	ADJ
hassl-3515	48	9	credit	credit	NOUN
hassl-3515	48	10	product	product	NOUN
hassl-3515	48	11	,	,	PUNCT
hassl-3515	48	12	gathergood	gathergood	NOUN
hassl-3515	48	13	(	(	PUNCT
hassl-3515	48	14	2012	2012	NUM
hassl-3515	48	15	)	)	PUNCT
hassl-3515	48	16	emphasizes	emphasize	VERB
hassl-3515	48	17	nine	nine	NUM
hassl-3515	48	18	credit	credit	NOUN
hassl-3515	48	19	products	product	NOUN
hassl-3515	48	20	:	:	PUNCT
hassl-3515	48	21	overdrafts	overdraft	NOUN
hassl-3515	48	22	,	,	PUNCT
hassl-3515	48	23	personal	personal	ADJ
hassl-3515	48	24	loans	loan	NOUN
hassl-3515	48	25	,	,	PUNCT
hassl-3515	48	26	store	store	NOUN
hassl-3515	48	27	cards	card	NOUN
hassl-3515	48	28	,	,	PUNCT
hassl-3515	48	29	mail	mail	NOUN
hassl-3515	48	30	-	-	PUNCT
hassl-3515	48	31	order	order	NOUN
hassl-3515	48	32	catalogs	catalog	NOUN
hassl-3515	48	33	,	,	PUNCT
hassl-3515	48	34	hire	hire	VERB
hassl-3515	48	35	purchases	purchase	NOUN
hassl-3515	48	36	,	,	PUNCT
hassl-3515	48	37	home	home	NOUN
hassl-3515	48	38	credit	credit	NOUN
hassl-3515	48	39	,	,	PUNCT
hassl-3515	48	40	payday	payday	NOUN
hassl-3515	48	41	loans	loan	NOUN
hassl-3515	48	42	,	,	PUNCT
hassl-3515	48	43	credit	credit	NOUN
hassl-3515	48	44	union	union	NOUN
hassl-3515	48	45	loans	loan	NOUN
hassl-3515	48	46	,	,	PUNCT
hassl-3515	48	47	and	and	CCONJ
hassl-3515	48	48	credit	credit	NOUN
hassl-3515	48	49	cards	card	NOUN
hassl-3515	48	50	.	.	PUNCT
hassl-3515	49	1	related	relate	VERB
hassl-3515	49	2	to	to	ADP
hassl-3515	49	3	ccu	ccu	PROPN
hassl-3515	49	4	,	,	PUNCT
hassl-3515	49	5	gathergood	gathergood	NOUN
hassl-3515	49	6	(	(	PUNCT
hassl-3515	49	7	2012	2012	NUM
hassl-3515	49	8	)	)	PUNCT
hassl-3515	49	9	proves	proves	AUX
hassl-3515	49	10	no	no	DET
hassl-3515	49	11	association	association	NOUN
hassl-3515	49	12	.	.	PUNCT
hassl-3515	50	1	similarly	similarly	ADV
hassl-3515	50	2	,	,	PUNCT
hassl-3515	50	3	destianata	destianata	PROPN
hassl-3515	50	4	&	&	CCONJ
hassl-3515	50	5	lutfi	lutfi	PROPN
hassl-3515	50	6	(	(	PUNCT
hassl-3515	50	7	2016	2016	NUM
hassl-3515	50	8	)	)	PUNCT
hassl-3515	50	9	and	and	CCONJ
hassl-3515	50	10	fernández	fernández	PROPN
hassl-3515	50	11	-	-	PUNCT
hassl-3515	50	12	lópez	lópez	NOUN
hassl-3515	50	13	et	et	PROPN
hassl-3515	50	14	al	al	PROPN
hassl-3515	50	15	.	.	PROPN
hassl-3515	51	1	(	(	PUNCT
hassl-3515	51	2	2023	2023	NUM
hassl-3515	51	3	)	)	PUNCT
hassl-3515	51	4	disclose	disclose	VERB
hassl-3515	51	5	it	it	PRON
hassl-3515	51	6	.	.	PUNCT
hassl-3515	52	1	equally	equally	ADV
hassl-3515	52	2	,	,	PUNCT
hassl-3515	52	3	(	(	PUNCT
hassl-3515	52	4	matos	matos	X
hassl-3515	52	5	et	et	PROPN
hassl-3515	52	6	al	al	PROPN
hassl-3515	52	7	.	.	PROPN
hassl-3515	52	8	,	,	PUNCT
hassl-3515	52	9	2019	2019	NUM
hassl-3515	52	10	)	)	PUNCT
hassl-3515	52	11	show	show	VERB
hassl-3515	52	12	no	no	DET
hassl-3515	52	13	impact	impact	NOUN
hassl-3515	52	14	of	of	ADP
hassl-3515	52	15	the	the	DET
hassl-3515	52	16	fl	fl	NOUN
hassl-3515	52	17	on	on	ADP
hassl-3515	52	18	behavioral	behavioral	ADJ
hassl-3515	52	19	indebtedness	indebtedness	NOUN
hassl-3515	52	20	.	.	PUNCT
hassl-3515	53	1	the	the	DET
hassl-3515	53	2	relationship	relationship	NOUN
hassl-3515	53	3	between	between	ADP
hassl-3515	53	4	self	self	NOUN
hassl-3515	53	5	-	-	PUNCT
hassl-3515	53	6	control	control	NOUN
hassl-3515	53	7	(	(	PUNCT
hassl-3515	53	8	sc	sc	PROPN
hassl-3515	53	9	)	)	PUNCT
hassl-3515	53	10	and	and	CCONJ
hassl-3515	53	11	ccu	ccu	PROPN
hassl-3515	53	12	also	also	ADV
hassl-3515	53	13	has	have	VERB
hassl-3515	53	14	various	various	ADJ
hassl-3515	53	15	results	result	NOUN
hassl-3515	53	16	.	.	PUNCT
hassl-3515	54	1	in	in	ADP
hassl-3515	54	2	their	their	PRON
hassl-3515	54	3	investigation	investigation	NOUN
hassl-3515	54	4	,	,	PUNCT
hassl-3515	54	5	mansfield	mansfield	PROPN
hassl-3515	54	6	et	et	PROPN
hassl-3515	54	7	al	al	PROPN
hassl-3515	54	8	.	.	PROPN
hassl-3515	54	9	(	(	PUNCT
hassl-3515	54	10	2003	2003	NUM
hassl-3515	54	11	)	)	PUNCT
hassl-3515	54	12	,	,	PUNCT
hassl-3515	54	13	wang	wang	PROPN
hassl-3515	54	14	et	et	PROPN
hassl-3515	54	15	al	al	PROPN
hassl-3515	54	16	.	.	PROPN
hassl-3515	55	1	(	(	PUNCT
hassl-3515	55	2	2011	2011	NUM
hassl-3515	55	3	)	)	PUNCT
hassl-3515	55	4	,	,	PUNCT
hassl-3515	55	5	limerick	limerick	PROPN
hassl-3515	55	6	&	&	CCONJ
hassl-3515	55	7	peltier	peltier	PROPN
hassl-3515	55	8	(	(	PUNCT
hassl-3515	55	9	2014	2014	NUM
hassl-3515	55	10	)	)	PUNCT
hassl-3515	55	11	,	,	PUNCT
hassl-3515	55	12	haryana	haryana	PROPN
hassl-3515	55	13	(	(	PUNCT
hassl-3515	55	14	2017	2017	NUM
hassl-3515	55	15	)	)	PUNCT
hassl-3515	55	16	,	,	PUNCT
hassl-3515	55	17	sandy	sandy	NOUN
hassl-3515	55	18	and	and	CCONJ
hassl-3515	55	19	renanita	renanita	NOUN
hassl-3515	55	20	(	(	PUNCT
hassl-3515	55	21	2018	2018	NUM
hassl-3515	55	22	)	)	PUNCT
hassl-3515	55	23	,	,	PUNCT
hassl-3515	55	24	and	and	CCONJ
hassl-3515	55	25	fernández	fernández	PROPN
hassl-3515	55	26	-	-	PUNCT
hassl-3515	55	27	lópez	lópez	NOUN
hassl-3515	55	28	et	et	PROPN
hassl-3515	55	29	al	al	PROPN
hassl-3515	55	30	.	.	PROPN
hassl-3515	56	1	(	(	PUNCT
hassl-3515	56	2	2023	2023	NUM
hassl-3515	56	3	)	)	PUNCT
hassl-3515	56	4	report	report	VERB
hassl-3515	56	5	a	a	DET
hassl-3515	56	6	negative	negative	ADJ
hassl-3515	56	7	sign	sign	NOUN
hassl-3515	56	8	.	.	PUNCT
hassl-3515	57	1	according	accord	VERB
hassl-3515	57	2	to	to	ADP
hassl-3515	57	3	perera	perera	PROPN
hassl-3515	57	4	et	et	PROPN
hassl-3515	57	5	al	al	PROPN
hassl-3515	57	6	.	.	PROPN
hassl-3515	58	1	(	(	PUNCT
hassl-3515	58	2	2016	2016	NUM
hassl-3515	58	3	)	)	PUNCT
hassl-3515	58	4	,	,	PUNCT
hassl-3515	58	5	a	a	DET
hassl-3515	58	6	negative	negative	ADJ
hassl-3515	58	7	correlation	correlation	NOUN
hassl-3515	58	8	exists	exist	VERB
hassl-3515	58	9	between	between	ADP
hassl-3515	58	10	sc	sc	PROPN
hassl-3515	58	11	and	and	CCONJ
hassl-3515	58	12	revolving	revolve	VERB
hassl-3515	58	13	debt	debt	NOUN
hassl-3515	58	14	on	on	ADP
hassl-3515	58	15	credit	credit	NOUN
hassl-3515	58	16	cards	card	NOUN
hassl-3515	58	17	in	in	ADP
hassl-3515	58	18	the	the	DET
hassl-3515	58	19	married	married	ADJ
hassl-3515	58	20	group	group	NOUN
hassl-3515	58	21	but	but	CCONJ
hassl-3515	58	22	does	do	AUX
hassl-3515	58	23	not	not	PART
hassl-3515	58	24	occur	occur	VERB
hassl-3515	58	25	in	in	ADP
hassl-3515	58	26	the	the	DET
hassl-3515	58	27	single	single	ADJ
hassl-3515	58	28	group	group	NOUN
hassl-3515	58	29	.	.	PUNCT
hassl-3515	59	1	meanwhile	meanwhile	ADV
hassl-3515	59	2	,	,	PUNCT
hassl-3515	59	3	the	the	DET
hassl-3515	59	4	correlation	correlation	NOUN
hassl-3515	59	5	between	between	ADP
hassl-3515	59	6	sc	sc	PROPN
hassl-3515	59	7	and	and	CCONJ
hassl-3515	59	8	debt	debt	NOUN
hassl-3515	59	9	installment	installment	NOUN
hassl-3515	59	10	does	do	AUX
hassl-3515	59	11	not	not	PART
hassl-3515	59	12	happen	happen	VERB
hassl-3515	59	13	in	in	ADP
hassl-3515	59	14	both	both	DET
hassl-3515	59	15	groups	group	NOUN
hassl-3515	59	16	.	.	PUNCT
hassl-3515	60	1	additionally	additionally	ADV
hassl-3515	60	2	,	,	PUNCT
hassl-3515	60	3	lestari	lestari	PROPN
hassl-3515	60	4	et	et	PROPN
hassl-3515	60	5	al	al	PROPN
hassl-3515	60	6	.	.	PROPN
hassl-3515	61	1	(	(	PUNCT
hassl-3515	61	2	2017	2017	NUM
hassl-3515	61	3	)	)	PUNCT
hassl-3515	61	4	confirm	confirm	VERB
hassl-3515	61	5	a	a	DET
hassl-3515	61	6	positive	positive	ADJ
hassl-3515	61	7	effect	effect	NOUN
hassl-3515	61	8	of	of	ADP
hassl-3515	61	9	perceived	perceive	VERB
hassl-3515	61	10	behavioral	behavioral	ADJ
hassl-3515	61	11	control	control	NOUN
hassl-3515	61	12	on	on	ADP
hassl-3515	61	13	the	the	DET
hassl-3515	61	14	intention	intention	NOUN
hassl-3515	61	15	of	of	ADP
hassl-3515	61	16	ccu	ccu	PROPN
hassl-3515	61	17	.	.	PUNCT
hassl-3515	62	1	meanwhile	meanwhile	ADV
hassl-3515	62	2	,	,	PUNCT
hassl-3515	62	3	(	(	PUNCT
hassl-3515	62	4	gathergood	gathergood	NOUN
hassl-3515	62	5	,	,	PUNCT
hassl-3515	62	6	2012	2012	NUM
hassl-3515	62	7	)	)	PUNCT
hassl-3515	62	8	demonstrates	demonstrate	VERB
hassl-3515	62	9	that	that	DET
hassl-3515	62	10	impulsive	impulsive	ADJ
hassl-3515	62	11	spending	spending	NOUN
hassl-3515	62	12	as	as	ADP
hassl-3515	62	13	a	a	DET
hassl-3515	62	14	self	self	NOUN
hassl-3515	62	15	-	-	PUNCT
hassl-3515	62	16	control	control	NOUN
hassl-3515	62	17	measurement	measurement	NOUN
hassl-3515	62	18	does	do	AUX
hassl-3515	62	19	not	not	PART
hassl-3515	62	20	affect	affect	VERB
hassl-3515	62	21	credit	credit	NOUN
hassl-3515	62	22	card	card	NOUN
hassl-3515	62	23	use	use	NOUN
hassl-3515	62	24	.	.	PUNCT
hassl-3515	63	1	finally	finally	ADV
hassl-3515	63	2	,	,	PUNCT
hassl-3515	63	3	different	different	ADJ
hassl-3515	63	4	results	result	NOUN
hassl-3515	63	5	occur	occur	VERB
hassl-3515	63	6	in	in	ADP
hassl-3515	63	7	the	the	DET
hassl-3515	63	8	association	association	NOUN
hassl-3515	63	9	between	between	ADP
hassl-3515	63	10	self	self	NOUN
hassl-3515	63	11	-	-	PUNCT
hassl-3515	63	12	esteem	esteem	NOUN
hassl-3515	63	13	and	and	CCONJ
hassl-3515	63	14	ccu	ccu	PROPN
hassl-3515	63	15	.	.	PROPN
hassl-3515	64	1	in	in	ADP
hassl-3515	64	2	their	their	PRON
hassl-3515	64	3	research	research	NOUN
hassl-3515	64	4	,	,	PUNCT
hassl-3515	64	5	wang	wang	PROPN
hassl-3515	64	6	et	et	PROPN
hassl-3515	64	7	al	al	PROPN
hassl-3515	64	8	.	.	PROPN
hassl-3515	64	9	(	(	PUNCT
hassl-3515	64	10	2011	2011	NUM
hassl-3515	64	11	)	)	PUNCT
hassl-3515	64	12	,	,	PUNCT
hassl-3515	64	13	omar	omar	PROPN
hassl-3515	64	14	et	et	PROPN
hassl-3515	64	15	al	al	PROPN
hassl-3515	64	16	.	.	PROPN
hassl-3515	65	1	(	(	PUNCT
hassl-3515	65	2	2014	2014	NUM
hassl-3515	65	3	)	)	PUNCT
hassl-3515	65	4	,	,	PUNCT
hassl-3515	65	5	and	and	CCONJ
hassl-3515	65	6	matos	matos	X
hassl-3515	65	7	et	et	PROPN
hassl-3515	65	8	al	al	PROPN
hassl-3515	65	9	.	.	PROPN
hassl-3515	66	1	(	(	PUNCT
hassl-3515	66	2	2019	2019	NUM
hassl-3515	66	3	)	)	PUNCT
hassl-3515	66	4	prove	prove	VERB
hassl-3515	66	5	a	a	DET
hassl-3515	66	6	negative	negative	ADJ
hassl-3515	66	7	relationship	relationship	NOUN
hassl-3515	66	8	.	.	PUNCT
hassl-3515	67	1	meanwhile	meanwhile	ADV
hassl-3515	67	2	,	,	PUNCT
hassl-3515	67	3	ahmed	ahmed	PROPN
hassl-3515	67	4	et	et	PROPN
hassl-3515	67	5	al	al	PROPN
hassl-3515	67	6	.	.	PROPN
hassl-3515	68	1	(	(	PUNCT
hassl-3515	68	2	2010	2010	NUM
hassl-3515	68	3	)	)	PUNCT
hassl-3515	68	4	,	,	PUNCT
hassl-3515	68	5	studying	study	VERB
hassl-3515	68	6	1,210	1,210	NUM
hassl-3515	68	7	malaysians	malaysians	PROPN
hassl-3515	68	8	,	,	PUNCT
hassl-3515	68	9	prove	prove	VERB
hassl-3515	68	10	that	that	SCONJ
hassl-3515	68	11	self	self	NOUN
hassl-3515	68	12	-	-	PUNCT
hassl-3515	68	13	esteem	esteem	NOUN
hassl-3515	68	14	does	do	AUX
hassl-3515	68	15	not	not	PART
hassl-3515	68	16	affect	affect	VERB
hassl-3515	68	17	the	the	DET
hassl-3515	68	18	credit	credit	NOUN
hassl-3515	68	19	card	card	NOUN
hassl-3515	68	20	attitude	attitude	NOUN
hassl-3515	68	21	as	as	ADP
hassl-3515	68	22	a	a	DET
hassl-3515	68	23	behavioral	behavioral	ADJ
hassl-3515	68	24	representation	representation	NOUN
hassl-3515	68	25	.	.	PUNCT
hassl-3515	69	1	besides	besides	SCONJ
hassl-3515	69	2	,	,	PUNCT
hassl-3515	69	3	perera	perera	PROPN
hassl-3515	69	4	et	et	PROPN
hassl-3515	69	5	al	al	PROPN
hassl-3515	69	6	.	.	PROPN
hassl-3515	69	7	(	(	PUNCT
hassl-3515	69	8	2016	2016	NUM
hassl-3515	69	9	)	)	PUNCT
hassl-3515	69	10	and	and	CCONJ
hassl-3515	69	11	simanjuntak	simanjuntak	NOUN
hassl-3515	69	12	and	and	CCONJ
hassl-3515	69	13	rosifa	rosifa	PROPN
hassl-3515	69	14	(	(	PUNCT
hassl-3515	69	15	2016	2016	NUM
hassl-3515	69	16	)	)	PUNCT
hassl-3515	69	17	affirm	affirm	NOUN
hassl-3515	69	18	this	this	DET
hassl-3515	69	19	insignificant	insignificant	ADJ
hassl-3515	69	20	result	result	NOUN
hassl-3515	69	21	after	after	ADP
hassl-3515	69	22	investigating	investigate	VERB
hassl-3515	69	23	163	163	NUM
hassl-3515	69	24	sri	sri	ADJ
hassl-3515	69	25	lankans	lankans	PROPN
hassl-3515	69	26	in	in	ADP
hassl-3515	69	27	colombo	colombo	NOUN
hassl-3515	69	28	and	and	CCONJ
hassl-3515	69	29	60	60	NUM
hassl-3515	69	30	indonesian	indonesian	ADJ
hassl-3515	69	31	working	work	VERB
hassl-3515	69	32	women	woman	NOUN
hassl-3515	69	33	,	,	PUNCT
hassl-3515	69	34	respectively	respectively	ADV
hassl-3515	69	35	.	.	PUNCT
hassl-3515	70	1	this	this	DET
hassl-3515	70	2	contradictory	contradictory	ADJ
hassl-3515	70	3	evidence	evidence	NOUN
hassl-3515	70	4	motivates	motivate	VERB
hassl-3515	70	5	this	this	DET
hassl-3515	70	6	research	research	NOUN
hassl-3515	70	7	,	,	PUNCT
hassl-3515	70	8	which	which	PRON
hassl-3515	70	9	investigates	investigate	VERB
hassl-3515	70	10	the	the	DET
hassl-3515	70	11	effect	effect	NOUN
hassl-3515	70	12	of	of	ADP
hassl-3515	70	13	financial	financial	ADJ
hassl-3515	70	14	literacy	literacy	NOUN
hassl-3515	70	15	,	,	PUNCT
hassl-3515	70	16	selfcontrol	selfcontrol	NOUN
hassl-3515	70	17	,	,	PUNCT
hassl-3515	70	18	and	and	CCONJ
hassl-3515	70	19	self	self	NOUN
hassl-3515	70	20	-	-	PUNCT
hassl-3515	70	21	esteem	esteem	NOUN
hassl-3515	70	22	on	on	ADP
hassl-3515	70	23	credit	credit	NOUN
hassl-3515	70	24	card	card	NOUN
hassl-3515	70	25	utilization	utilization	NOUN
hassl-3515	70	26	by	by	ADP
hassl-3515	70	27	employing	employ	VERB
hassl-3515	70	28	people	people	NOUN
hassl-3515	70	29	working	work	VERB
hassl-3515	70	30	in	in	ADP
hassl-3515	70	31	banks	bank	NOUN
hassl-3515	70	32	from	from	ADP
hassl-3515	70	33	low	low	ADJ
hassl-3515	70	34	to	to	ADP
hassl-3515	70	35	high	high	ADJ
hassl-3515	70	36	levels	level	NOUN
hassl-3515	70	37	:	:	PUNCT
hassl-3515	70	38	bank	bank	NOUN
hassl-3515	70	39	staff	staff	NOUN
hassl-3515	70	40	members	member	NOUN
hassl-3515	70	41	to	to	PART
hassl-3515	70	42	board	board	VERB
hassl-3515	70	43	directors	director	NOUN
hassl-3515	70	44	in	in	ADP
hassl-3515	70	45	several	several	ADJ
hassl-3515	70	46	cities	city	NOUN
hassl-3515	70	47	in	in	ADP
hassl-3515	70	48	indonesia	indonesia	PROPN
hassl-3515	70	49	.	.	PUNCT
hassl-3515	71	1	indeed	indeed	ADV
hassl-3515	71	2	,	,	PUNCT
hassl-3515	71	3	these	these	DET
hassl-3515	71	4	employees	employee	NOUN
hassl-3515	71	5	can	can	AUX
hassl-3515	71	6	own	own	VERB
hassl-3515	71	7	this	this	DET
hassl-3515	71	8	credit	credit	NOUN
hassl-3515	71	9	because	because	SCONJ
hassl-3515	71	10	of	of	ADP
hassl-3515	71	11	the	the	DET
hassl-3515	71	12	internal	internal	ADJ
hassl-3515	71	13	bank	bank	PROPN
hassl-3515	71	14	offering	offering	NOUN
hassl-3515	71	15	and	and	CCONJ
hassl-3515	71	16	recommendations	recommendation	NOUN
hassl-3515	71	17	from	from	ADP
hassl-3515	71	18	their	their	PRON
hassl-3515	71	19	networks	network	NOUN
hassl-3515	71	20	working	work	VERB
hassl-3515	71	21	in	in	ADP
hassl-3515	71	22	other	other	ADJ
hassl-3515	71	23	banks	bank	NOUN
hassl-3515	71	24	.	.	PUNCT
hassl-3515	72	1	humanities	humanity	NOUN
hassl-3515	72	2	and	and	CCONJ
hassl-3515	72	3	social	social	ADJ
hassl-3515	72	4	sciences	science	NOUN
hassl-3515	72	5	letters	letter	NOUN
hassl-3515	72	6	,	,	PUNCT
hassl-3515	72	7	2023	2023	NUM
hassl-3515	72	8	,	,	PUNCT
hassl-3515	72	9	11(3	11(3	NUM
hassl-3515	72	10	):	):	PUNCT
hassl-3515	72	11	349	349	NUM
hassl-3515	72	12	-	-	SYM
hassl-3515	72	13	361	361	NUM
hassl-3515	72	14	351	351	NUM
hassl-3515	72	15	©	©	PROPN
hassl-3515	72	16	2023	2023	NUM
hassl-3515	72	17	conscientia	conscientia	PROPN
hassl-3515	72	18	beam	beam	PROPN
hassl-3515	72	19	.	.	PUNCT
hassl-3515	73	1	all	all	DET
hassl-3515	73	2	rights	right	NOUN
hassl-3515	73	3	reserved	reserve	VERB
hassl-3515	73	4	.	.	PUNCT
hassl-3515	74	1	additionally	additionally	ADV
hassl-3515	74	2	,	,	PUNCT
hassl-3515	74	3	using	use	VERB
hassl-3515	74	4	bank	bank	NOUN
hassl-3515	74	5	employees	employee	NOUN
hassl-3515	74	6	as	as	SCONJ
hassl-3515	74	7	the	the	DET
hassl-3515	74	8	research	research	NOUN
hassl-3515	74	9	object	object	NOUN
hassl-3515	74	10	differs	differ	VERB
hassl-3515	74	11	from	from	ADP
hassl-3515	74	12	previous	previous	ADJ
hassl-3515	74	13	scholars	scholar	NOUN
hassl-3515	74	14	dominant	dominant	ADJ
hassl-3515	74	15	use	use	NOUN
hassl-3515	74	16	of	of	ADP
hassl-3515	74	17	university	university	NOUN
hassl-3515	74	18	students	student	NOUN
hassl-3515	74	19	(	(	PUNCT
hassl-3515	74	20	braunsberger	braunsberger	NOUN
hassl-3515	74	21	,	,	PUNCT
hassl-3515	74	22	lucas	lucas	PROPN
hassl-3515	74	23	,	,	PUNCT
hassl-3515	74	24	&	&	CCONJ
hassl-3515	74	25	roach	roach	PROPN
hassl-3515	74	26	,	,	PUNCT
hassl-3515	74	27	2004	2004	NUM
hassl-3515	74	28	;	;	PUNCT
hassl-3515	74	29	limerick	limerick	PROPN
hassl-3515	74	30	&	&	CCONJ
hassl-3515	74	31	peltier	peltier	PROPN
hassl-3515	74	32	,	,	PUNCT
hassl-3515	74	33	2014	2014	NUM
hassl-3515	74	34	;	;	PUNCT
hassl-3515	74	35	mansfield	mansfield	PROPN
hassl-3515	74	36	et	et	PROPN
hassl-3515	74	37	al	al	PROPN
hassl-3515	74	38	.	.	PROPN
hassl-3515	74	39	,	,	PUNCT
hassl-3515	74	40	2003	2003	NUM
hassl-3515	74	41	;	;	PUNCT
hassl-3515	74	42	pinto	pinto	NOUN
hassl-3515	74	43	,	,	PUNCT
hassl-3515	74	44	mansfield	mansfield	PROPN
hassl-3515	74	45	,	,	PUNCT
hassl-3515	74	46	&	&	CCONJ
hassl-3515	74	47	parente	parente	PROPN
hassl-3515	74	48	,	,	PUNCT
hassl-3515	74	49	2004	2004	NUM
hassl-3515	74	50	;	;	PUNCT
hassl-3515	74	51	robb	robb	NOUN
hassl-3515	74	52	,	,	PUNCT
hassl-3515	74	53	2011	2011	NUM
hassl-3515	74	54	)	)	PUNCT
hassl-3515	74	55	.	.	PUNCT
hassl-3515	75	1	2	2	X
hassl-3515	75	2	.	.	X
hassl-3515	75	3	literature	literature	NOUN
hassl-3515	75	4	review	review	PROPN
hassl-3515	75	5	and	and	CCONJ
hassl-3515	75	6	hypothesis	hypothesis	NOUN
hassl-3515	75	7	development	development	NOUN
hassl-3515	75	8	2.1	2.1	NUM
hassl-3515	75	9	.	.	PUNCT
hassl-3515	75	10	relationship	relationship	NOUN
hassl-3515	75	11	between	between	ADP
hassl-3515	75	12	financial	financial	ADJ
hassl-3515	75	13	literacy	literacy	NOUN
hassl-3515	75	14	and	and	CCONJ
hassl-3515	75	15	credit	credit	NOUN
hassl-3515	75	16	card	card	NOUN
hassl-3515	75	17	utilization	utilization	NOUN
hassl-3515	75	18	financial	financial	ADJ
hassl-3515	75	19	literacy	literacy	NOUN
hassl-3515	75	20	refers	refer	VERB
hassl-3515	75	21	to	to	ADP
hassl-3515	75	22	the	the	DET
hassl-3515	75	23	capability	capability	NOUN
hassl-3515	75	24	and	and	CCONJ
hassl-3515	75	25	sureness	sureness	NOUN
hassl-3515	75	26	to	to	PART
hassl-3515	75	27	apply	apply	VERB
hassl-3515	75	28	comprehension	comprehension	NOUN
hassl-3515	75	29	based	base	VERB
hassl-3515	75	30	on	on	ADP
hassl-3515	75	31	personal	personal	ADJ
hassl-3515	75	32	financial	financial	ADJ
hassl-3515	75	33	concepts	concept	NOUN
hassl-3515	75	34	of	of	ADP
hassl-3515	75	35	products	product	NOUN
hassl-3515	75	36	.	.	PUNCT
hassl-3515	76	1	this	this	DET
hassl-3515	76	2	comprehension	comprehension	NOUN
hassl-3515	76	3	comes	come	VERB
hassl-3515	76	4	from	from	ADP
hassl-3515	76	5	knowledge	knowledge	NOUN
hassl-3515	76	6	gained	gain	VERB
hassl-3515	76	7	from	from	ADP
hassl-3515	76	8	education	education	NOUN
hassl-3515	76	9	or	or	CCONJ
hassl-3515	76	10	experience	experience	NOUN
hassl-3515	76	11	(	(	PUNCT
hassl-3515	76	12	huston	huston	PROPN
hassl-3515	76	13	,	,	PUNCT
hassl-3515	76	14	2010	2010	NUM
hassl-3515	76	15	)	)	PUNCT
hassl-3515	76	16	.	.	PUNCT
hassl-3515	77	1	it	it	PRON
hassl-3515	77	2	effectively	effectively	ADV
hassl-3515	77	3	shapes	shape	VERB
hassl-3515	77	4	the	the	DET
hassl-3515	77	5	behavior	behavior	NOUN
hassl-3515	77	6	of	of	ADP
hassl-3515	77	7	credit	credit	NOUN
hassl-3515	77	8	card	card	NOUN
hassl-3515	77	9	utilization	utilization	NOUN
hassl-3515	77	10	(	(	PUNCT
hassl-3515	77	11	hernández	hernández	PROPN
hassl-3515	77	12	-	-	PUNCT
hassl-3515	77	13	mejía	mejía	NOUN
hassl-3515	77	14	et	et	NOUN
hassl-3515	77	15	al	al	PROPN
hassl-3515	77	16	.	.	PROPN
hassl-3515	77	17	,	,	PUNCT
hassl-3515	77	18	2021	2021	NUM
hassl-3515	77	19	;	;	PUNCT
hassl-3515	77	20	hye	hye	PROPN
hassl-3515	77	21	,	,	PUNCT
hassl-3515	77	22	2022	2022	NUM
hassl-3515	77	23	;	;	PUNCT
hassl-3515	77	24	robb	robb	NOUN
hassl-3515	77	25	,	,	PUNCT
hassl-3515	77	26	2011	2011	NUM
hassl-3515	77	27	;	;	PUNCT
hassl-3515	77	28	uddin	uddin	VERB
hassl-3515	77	29	,	,	PUNCT
hassl-3515	77	30	2021	2021	NUM
hassl-3515	77	31	)	)	PUNCT
hassl-3515	77	32	.	.	PUNCT
hassl-3515	78	1	after	after	ADP
hassl-3515	78	2	learning	learn	VERB
hassl-3515	78	3	the	the	DET
hassl-3515	78	4	behavior	behavior	NOUN
hassl-3515	78	5	of	of	ADP
hassl-3515	78	6	1,354	1,354	NUM
hassl-3515	78	7	college	college	NOUN
hassl-3515	78	8	students	student	NOUN
hassl-3515	78	9	from	from	ADP
hassl-3515	78	10	south	south	ADJ
hassl-3515	78	11	-	-	PUNCT
hassl-3515	78	12	eastern	eastern	ADJ
hassl-3515	78	13	universities	university	NOUN
hassl-3515	78	14	,	,	PUNCT
hassl-3515	78	15	robb	robb	NOUN
hassl-3515	78	16	(	(	PUNCT
hassl-3515	78	17	2011	2011	NUM
hassl-3515	78	18	)	)	PUNCT
hassl-3515	78	19	concludes	conclude	VERB
hassl-3515	78	20	that	that	SCONJ
hassl-3515	78	21	the	the	PRON
hassl-3515	78	22	more	more	ADV
hassl-3515	78	23	financially	financially	ADV
hassl-3515	78	24	knowledgeable	knowledgeable	ADJ
hassl-3515	78	25	the	the	DET
hassl-3515	78	26	students	student	NOUN
hassl-3515	78	27	are	be	AUX
hassl-3515	78	28	,	,	PUNCT
hassl-3515	78	29	the	the	PRON
hassl-3515	78	30	wiser	wise	ADJ
hassl-3515	78	31	they	they	PRON
hassl-3515	78	32	are	be	AUX
hassl-3515	78	33	with	with	ADP
hassl-3515	78	34	their	their	PRON
hassl-3515	78	35	credit	credit	NOUN
hassl-3515	78	36	cards	card	NOUN
hassl-3515	78	37	:	:	PUNCT
hassl-3515	78	38	those	those	PRON
hassl-3515	78	39	with	with	ADP
hassl-3515	78	40	high	high	ADJ
hassl-3515	78	41	knowledge	knowledge	NOUN
hassl-3515	78	42	decrease	decrease	VERB
hassl-3515	78	43	their	their	PRON
hassl-3515	78	44	maximum	maximum	ADJ
hassl-3515	78	45	credit	credit	NOUN
hassl-3515	78	46	utilization	utilization	NOUN
hassl-3515	78	47	.	.	PUNCT
hassl-3515	79	1	then	then	ADV
hassl-3515	79	2	,	,	PUNCT
hassl-3515	79	3	they	they	PRON
hassl-3515	79	4	pay	pay	VERB
hassl-3515	79	5	the	the	DET
hassl-3515	79	6	bill	bill	NOUN
hassl-3515	79	7	above	above	ADP
hassl-3515	79	8	the	the	DET
hassl-3515	79	9	minimum	minimum	NOUN
hassl-3515	79	10	amount	amount	NOUN
hassl-3515	79	11	,	,	PUNCT
hassl-3515	79	12	seldom	seldom	ADV
hassl-3515	79	13	take	take	VERB
hassl-3515	79	14	cash	cash	NOUN
hassl-3515	79	15	in	in	ADP
hassl-3515	79	16	advance	advance	NOUN
hassl-3515	79	17	,	,	PUNCT
hassl-3515	79	18	and	and	CCONJ
hassl-3515	79	19	do	do	AUX
hassl-3515	79	20	not	not	PART
hassl-3515	79	21	postpone	postpone	VERB
hassl-3515	79	22	the	the	DET
hassl-3515	79	23	payment	payment	NOUN
hassl-3515	79	24	.	.	PUNCT
hassl-3515	80	1	utilizing	utilize	VERB
hassl-3515	80	2	2,170	2,170	NUM
hassl-3515	80	3	mexicans	mexican	NOUN
hassl-3515	80	4	as	as	ADP
hassl-3515	80	5	the	the	DET
hassl-3515	80	6	samples	sample	NOUN
hassl-3515	80	7	,	,	PUNCT
hassl-3515	80	8	hernández	hernández	PROPN
hassl-3515	80	9	-	-	PUNCT
hassl-3515	80	10	mejía	mejía	NOUN
hassl-3515	80	11	et	et	PROPN
hassl-3515	80	12	al	al	PROPN
hassl-3515	80	13	.	.	PROPN
hassl-3515	81	1	(	(	PUNCT
hassl-3515	81	2	2021	2021	NUM
hassl-3515	81	3	)	)	PUNCT
hassl-3515	81	4	demonstrate	demonstrate	VERB
hassl-3515	81	5	that	that	SCONJ
hassl-3515	81	6	citizens	citizen	NOUN
hassl-3515	81	7	with	with	ADP
hassl-3515	81	8	more	more	ADV
hassl-3515	81	9	precise	precise	ADJ
hassl-3515	81	10	answers	answer	NOUN
hassl-3515	81	11	to	to	ADP
hassl-3515	81	12	financial	financial	ADJ
hassl-3515	81	13	literacy	literacy	NOUN
hassl-3515	81	14	items	item	NOUN
hassl-3515	81	15	pay	pay	VERB
hassl-3515	81	16	the	the	DET
hassl-3515	81	17	credit	credit	NOUN
hassl-3515	81	18	card	card	NOUN
hassl-3515	81	19	bill	bill	NOUN
hassl-3515	81	20	entirely	entirely	ADV
hassl-3515	81	21	.	.	PUNCT
hassl-3515	82	1	descriptively	descriptively	ADV
hassl-3515	82	2	,	,	PUNCT
hassl-3515	82	3	uddin	uddin	PROPN
hassl-3515	82	4	(	(	PUNCT
hassl-3515	82	5	2021	2021	NUM
hassl-3515	82	6	)	)	PUNCT
hassl-3515	82	7	concludes	conclude	VERB
hassl-3515	82	8	that	that	SCONJ
hassl-3515	82	9	after	after	ADP
hassl-3515	82	10	exhausting	exhaust	VERB
hassl-3515	82	11	the	the	DET
hassl-3515	82	12	maximum	maximum	ADJ
hassl-3515	82	13	limit	limit	NOUN
hassl-3515	82	14	,	,	PUNCT
hassl-3515	82	15	persons	person	NOUN
hassl-3515	82	16	with	with	ADP
hassl-3515	82	17	higher	high	ADJ
hassl-3515	82	18	literacy	literacy	NOUN
hassl-3515	82	19	cut	cut	VERB
hassl-3515	82	20	their	their	PRON
hassl-3515	82	21	dangerous	dangerous	ADJ
hassl-3515	82	22	credit	credit	NOUN
hassl-3515	82	23	card	card	NOUN
hassl-3515	82	24	behavior	behavior	NOUN
hassl-3515	82	25	through	through	ADP
hassl-3515	82	26	punctual	punctual	ADJ
hassl-3515	82	27	payment	payment	NOUN
hassl-3515	82	28	,	,	PUNCT
hassl-3515	82	29	payment	payment	NOUN
hassl-3515	82	30	delinquency	delinquency	NOUN
hassl-3515	82	31	avoidance	avoidance	NOUN
hassl-3515	82	32	,	,	PUNCT
hassl-3515	82	33	and	and	CCONJ
hassl-3515	82	34	cash	cash	NOUN
hassl-3515	82	35	advance	advance	NOUN
hassl-3515	82	36	evasion	evasion	NOUN
hassl-3515	82	37	based	base	VERB
hassl-3515	82	38	on	on	ADP
hassl-3515	82	39	the	the	DET
hassl-3515	82	40	perspective	perspective	NOUN
hassl-3515	82	41	of	of	ADP
hassl-3515	82	42	200	200	NUM
hassl-3515	82	43	omani	omani	ADJ
hassl-3515	82	44	consumers	consumer	NOUN
hassl-3515	82	45	from	from	ADP
hassl-3515	82	46	muscat	muscat	PROPN
hassl-3515	82	47	bank	bank	PROPN
hassl-3515	82	48	,	,	PUNCT
hassl-3515	82	49	dhofar	dhofar	ADJ
hassl-3515	82	50	bank	bank	NOUN
hassl-3515	82	51	,	,	PUNCT
hassl-3515	82	52	and	and	CCONJ
hassl-3515	82	53	national	national	PROPN
hassl-3515	82	54	bank	bank	PROPN
hassl-3515	82	55	of	of	ADP
hassl-3515	82	56	oman	oman	PROPN
hassl-3515	82	57	.	.	PUNCT
hassl-3515	83	1	in	in	ADP
hassl-3515	83	2	their	their	PRON
hassl-3515	83	3	investigation	investigation	NOUN
hassl-3515	83	4	based	base	VERB
hassl-3515	83	5	on	on	ADP
hassl-3515	83	6	the	the	DET
hassl-3515	83	7	united	united	PROPN
hassl-3515	83	8	states	states	PROPN
hassl-3515	83	9	national	national	ADJ
hassl-3515	83	10	financial	financial	ADJ
hassl-3515	83	11	capability	capability	NOUN
hassl-3515	83	12	study	study	NOUN
hassl-3515	83	13	dataset	dataset	VERB
hassl-3515	83	14	in	in	ADP
hassl-3515	83	15	2009	2009	NUM
hassl-3515	83	16	,	,	PUNCT
hassl-3515	83	17	2012	2012	NUM
hassl-3515	83	18	,	,	PUNCT
hassl-3515	83	19	2015	2015	NUM
hassl-3515	83	20	,	,	PUNCT
hassl-3515	83	21	and	and	CCONJ
hassl-3515	83	22	2018	2018	NUM
hassl-3515	83	23	,	,	PUNCT
hassl-3515	83	24	chen	chen	PROPN
hassl-3515	83	25	et	et	PROPN
hassl-3515	83	26	al	al	PROPN
hassl-3515	83	27	.	.	PROPN
hassl-3515	83	28	(	(	PUNCT
hassl-3515	83	29	2023	2023	NUM
hassl-3515	83	30	)	)	PUNCT
hassl-3515	83	31	confirm	confirm	VERB
hassl-3515	83	32	that	that	SCONJ
hassl-3515	83	33	fl	fl	PROPN
hassl-3515	83	34	positively	positively	ADV
hassl-3515	83	35	and	and	CCONJ
hassl-3515	83	36	negatively	negatively	ADV
hassl-3515	83	37	influences	influence	VERB
hassl-3515	83	38	respectable	respectable	ADJ
hassl-3515	83	39	and	and	CCONJ
hassl-3515	83	40	undesired	undesired	ADJ
hassl-3515	83	41	ccus	ccus	NOUN
hassl-3515	83	42	,	,	PUNCT
hassl-3515	83	43	respectively	respectively	ADV
hassl-3515	83	44	.	.	PUNCT
hassl-3515	84	1	based	base	VERB
hassl-3515	84	2	on	on	ADP
hassl-3515	84	3	this	this	DET
hassl-3515	84	4	evidence	evidence	NOUN
hassl-3515	84	5	,	,	PUNCT
hassl-3515	84	6	the	the	DET
hassl-3515	84	7	first	first	ADJ
hassl-3515	84	8	hypothesis	hypothesis	NOUN
hassl-3515	84	9	is	be	AUX
hassl-3515	84	10	declared	declare	VERB
hassl-3515	84	11	as	as	SCONJ
hassl-3515	84	12	follows	follow	VERB
hassl-3515	84	13	:	:	PUNCT
hassl-3515	84	14	h1	h1	NOUN
hassl-3515	84	15	:	:	PUNCT
hassl-3515	84	16	financial	financial	ADJ
hassl-3515	84	17	literacy	literacy	NOUN
hassl-3515	84	18	cuts	cut	VERB
hassl-3515	84	19	the	the	DET
hassl-3515	84	20	tendency	tendency	NOUN
hassl-3515	84	21	to	to	PART
hassl-3515	84	22	utilize	utilize	VERB
hassl-3515	84	23	a	a	DET
hassl-3515	84	24	credit	credit	NOUN
hassl-3515	84	25	card	card	NOUN
hassl-3515	84	26	.	.	PUNCT
hassl-3515	85	1	2.2	2.2	NUM
hassl-3515	85	2	.	.	PUNCT
hassl-3515	85	3	relationship	relationship	NOUN
hassl-3515	85	4	between	between	ADP
hassl-3515	85	5	self	self	NOUN
hassl-3515	85	6	-	-	PUNCT
hassl-3515	85	7	control	control	NOUN
hassl-3515	85	8	and	and	CCONJ
hassl-3515	85	9	usage	usage	NOUN
hassl-3515	85	10	of	of	ADP
hassl-3515	85	11	credit	credit	NOUN
hassl-3515	85	12	card	card	NOUN
hassl-3515	85	13	self	self	NOUN
hassl-3515	85	14	-	-	PUNCT
hassl-3515	85	15	control	control	NOUN
hassl-3515	85	16	is	be	AUX
hassl-3515	85	17	relevant	relevant	ADJ
hassl-3515	85	18	to	to	ADP
hassl-3515	85	19	the	the	DET
hassl-3515	85	20	buying	buying	NOUN
hassl-3515	85	21	decisions	decision	NOUN
hassl-3515	85	22	of	of	ADP
hassl-3515	85	23	consumers	consumer	NOUN
hassl-3515	85	24	.	.	PUNCT
hassl-3515	86	1	individuals	individual	NOUN
hassl-3515	86	2	with	with	ADP
hassl-3515	86	3	high	high	ADJ
hassl-3515	86	4	self	self	NOUN
hassl-3515	86	5	-	-	PUNCT
hassl-3515	86	6	control	control	NOUN
hassl-3515	86	7	can	can	AUX
hassl-3515	86	8	control	control	VERB
hassl-3515	86	9	their	their	PRON
hassl-3515	86	10	emotions	emotion	NOUN
hassl-3515	86	11	and	and	CCONJ
hassl-3515	86	12	make	make	VERB
hassl-3515	86	13	reasonable	reasonable	ADJ
hassl-3515	86	14	decisions	decision	NOUN
hassl-3515	86	15	by	by	ADP
hassl-3515	86	16	refraining	refrain	VERB
hassl-3515	86	17	from	from	ADP
hassl-3515	86	18	buying	buy	VERB
hassl-3515	86	19	unnecessary	unnecessary	ADJ
hassl-3515	86	20	p	p	NOUN
hassl-3515	86	21	roducts	roduct	NOUN
hassl-3515	86	22	(	(	PUNCT
hassl-3515	86	23	baumeister	baumeister	ADV
hassl-3515	86	24	,	,	PUNCT
hassl-3515	86	25	bratslavsky	bratslavsky	NOUN
hassl-3515	86	26	,	,	PUNCT
hassl-3515	86	27	muraven	muraven	NOUN
hassl-3515	86	28	,	,	PUNCT
hassl-3515	86	29	&	&	CCONJ
hassl-3515	86	30	tice	tice	PROPN
hassl-3515	86	31	,	,	PUNCT
hassl-3515	86	32	1998	1998	NUM
hassl-3515	86	33	)	)	PUNCT
hassl-3515	86	34	.	.	PUNCT
hassl-3515	87	1	in	in	ADP
hassl-3515	87	2	the	the	DET
hassl-3515	87	3	contemporary	contemporary	ADJ
hassl-3515	87	4	era	era	NOUN
hassl-3515	87	5	,	,	PUNCT
hassl-3515	87	6	this	this	DET
hassl-3515	87	7	purchase	purchase	NOUN
hassl-3515	87	8	is	be	AUX
hassl-3515	87	9	usually	usually	ADV
hassl-3515	87	10	conducted	conduct	VERB
hassl-3515	87	11	virtually	virtually	ADV
hassl-3515	87	12	and	and	CCONJ
hassl-3515	87	13	facilitated	facilitate	VERB
hassl-3515	87	14	by	by	ADP
hassl-3515	87	15	credit	credit	NOUN
hassl-3515	87	16	cards	card	NOUN
hassl-3515	87	17	(	(	PUNCT
hassl-3515	87	18	xu	xu	INTJ
hassl-3515	87	19	,	,	PUNCT
hassl-3515	87	20	unger	unger	PROPN
hassl-3515	87	21	,	,	PUNCT
hassl-3515	87	22	bi	bi	NOUN
hassl-3515	87	23	,	,	PUNCT
hassl-3515	87	24	papastamatelou	papastamatelou	ADJ
hassl-3515	87	25	,	,	PUNCT
hassl-3515	87	26	&	&	CCONJ
hassl-3515	87	27	raab	raab	PROPN
hassl-3515	87	28	,	,	PUNCT
hassl-3515	87	29	2022	2022	NUM
hassl-3515	87	30	)	)	PUNCT
hassl-3515	87	31	.	.	PUNCT
hassl-3515	88	1	related	relate	VERB
hassl-3515	88	2	to	to	ADP
hassl-3515	88	3	self	self	NOUN
hassl-3515	88	4	-	-	PUNCT
hassl-3515	88	5	control	control	NOUN
hassl-3515	88	6	,	,	PUNCT
hassl-3515	88	7	mansfield	mansfield	PROPN
hassl-3515	88	8	et	et	PROPN
hassl-3515	88	9	al	al	PROPN
hassl-3515	88	10	.	.	PROPN
hassl-3515	89	1	(	(	PUNCT
hassl-3515	89	2	2003	2003	NUM
hassl-3515	89	3	)	)	PUNCT
hassl-3515	89	4	associate	associate	VERB
hassl-3515	89	5	it	it	PRON
hassl-3515	89	6	with	with	ADP
hassl-3515	89	7	credit	credit	NOUN
hassl-3515	89	8	card	card	NOUN
hassl-3515	89	9	utilization	utilization	NOUN
hassl-3515	89	10	among	among	ADP
hassl-3515	89	11	165	165	NUM
hassl-3515	89	12	college	college	NOUN
hassl-3515	89	13	students	student	NOUN
hassl-3515	89	14	in	in	ADP
hassl-3515	89	15	the	the	DET
hassl-3515	89	16	united	united	PROPN
hassl-3515	89	17	states	states	PROPN
hassl-3515	89	18	.	.	PUNCT
hassl-3515	90	1	in	in	ADP
hassl-3515	90	2	conclusion	conclusion	NOUN
hassl-3515	90	3	,	,	PUNCT
hassl-3515	90	4	their	their	PRON
hassl-3515	90	5	study	study	NOUN
hassl-3515	90	6	declares	declare	VERB
hassl-3515	90	7	that	that	SCONJ
hassl-3515	90	8	full	full	ADJ
hassl-3515	90	9	-	-	PUNCT
hassl-3515	90	10	payers	payer	NOUN
hassl-3515	90	11	have	have	VERB
hassl-3515	90	12	tougher	tough	ADJ
hassl-3515	90	13	self	self	NOUN
hassl-3515	90	14	-	-	PUNCT
hassl-3515	90	15	control	control	NOUN
hassl-3515	90	16	,	,	PUNCT
hassl-3515	90	17	characterized	characterize	VERB
hassl-3515	90	18	by	by	ADP
hassl-3515	90	19	substandard	substandard	ADJ
hassl-3515	90	20	impulsivity	impulsivity	NOUN
hassl-3515	90	21	,	,	PUNCT
hassl-3515	90	22	than	than	ADP
hassl-3515	90	23	non	non	NOUN
hassl-3515	90	24	-	-	NOUN
hassl-3515	90	25	fullpayers	fullpayer	NOUN
hassl-3515	90	26	.	.	PUNCT
hassl-3515	91	1	furthermore	furthermore	ADV
hassl-3515	91	2	,	,	PUNCT
hassl-3515	91	3	by	by	ADP
hassl-3515	91	4	investigating	investigate	VERB
hassl-3515	91	5	837	837	NUM
hassl-3515	91	6	chinese	chinese	PROPN
hassl-3515	91	7	,	,	PUNCT
hassl-3515	91	8	wang	wang	PROPN
hassl-3515	91	9	et	et	PROPN
hassl-3515	91	10	al	al	PROPN
hassl-3515	91	11	.	.	PROPN
hassl-3515	92	1	(	(	PUNCT
hassl-3515	92	2	2011	2011	NUM
hassl-3515	92	3	)	)	PUNCT
hassl-3515	92	4	demonstrate	demonstrate	VERB
hassl-3515	92	5	that	that	SCONJ
hassl-3515	92	6	people	people	NOUN
hassl-3515	92	7	with	with	ADP
hassl-3515	92	8	high	high	ADJ
hassl-3515	92	9	self	self	NOUN
hassl-3515	92	10	-	-	PUNCT
hassl-3515	92	11	control	control	NOUN
hassl-3515	92	12	will	will	AUX
hassl-3515	92	13	avoid	avoid	VERB
hassl-3515	92	14	using	use	VERB
hassl-3515	92	15	debt	debt	NOUN
hassl-3515	92	16	already	already	ADV
hassl-3515	92	17	paid	pay	VERB
hassl-3515	92	18	on	on	ADP
hassl-3515	92	19	credit	credit	NOUN
hassl-3515	92	20	cards	card	NOUN
hassl-3515	92	21	.	.	PUNCT
hassl-3515	93	1	in	in	ADP
hassl-3515	93	2	their	their	PRON
hassl-3515	93	3	research	research	NOUN
hassl-3515	93	4	based	base	VERB
hassl-3515	93	5	on	on	ADP
hassl-3515	93	6	the	the	DET
hassl-3515	93	7	perceptions	perception	NOUN
hassl-3515	93	8	of	of	ADP
hassl-3515	93	9	322	322	NUM
hassl-3515	93	10	students	student	NOUN
hassl-3515	93	11	enrolling	enrol	VERB
hassl-3515	93	12	in	in	ADP
hassl-3515	93	13	a	a	DET
hassl-3515	93	14	marketing	marketing	NOUN
hassl-3515	93	15	class	class	NOUN
hassl-3515	93	16	at	at	ADP
hassl-3515	93	17	a	a	DET
hassl-3515	93	18	midwestern	midwestern	ADJ
hassl-3515	93	19	university	university	NOUN
hassl-3515	93	20	,	,	PUNCT
hassl-3515	93	21	limerick	limerick	PROPN
hassl-3515	93	22	and	and	CCONJ
hassl-3515	93	23	peltier	peltier	PROPN
hassl-3515	93	24	(	(	PUNCT
hassl-3515	93	25	2014	2014	NUM
hassl-3515	93	26	)	)	PUNCT
hassl-3515	93	27	examine	examine	VERB
hassl-3515	93	28	the	the	DET
hassl-3515	93	29	effect	effect	NOUN
hassl-3515	93	30	of	of	ADP
hassl-3515	93	31	selfcontrol	selfcontrol	NOUN
hassl-3515	93	32	failure	failure	NOUN
hassl-3515	93	33	on	on	ADP
hassl-3515	93	34	a	a	DET
hassl-3515	93	35	credit	credit	NOUN
hassl-3515	93	36	card	card	NOUN
hassl-3515	93	37	application	application	NOUN
hassl-3515	93	38	and	and	CCONJ
hassl-3515	93	39	find	find	VERB
hassl-3515	93	40	that	that	SCONJ
hassl-3515	93	41	this	this	DET
hassl-3515	93	42	failure	failure	NOUN
hassl-3515	93	43	,	,	PUNCT
hassl-3515	93	44	reflected	reflect	VERB
hassl-3515	93	45	by	by	ADP
hassl-3515	93	46	impulsivity	impulsivity	NOUN
hassl-3515	93	47	,	,	PUNCT
hassl-3515	93	48	affects	affect	VERB
hassl-3515	93	49	this	this	DET
hassl-3515	93	50	usage	usage	NOUN
hassl-3515	93	51	positively	positively	ADV
hassl-3515	93	52	.	.	PUNCT
hassl-3515	94	1	perera	perera	PROPN
hassl-3515	94	2	et	et	PROPN
hassl-3515	94	3	al	al	PROPN
hassl-3515	94	4	.	.	PROPN
hassl-3515	95	1	(	(	PUNCT
hassl-3515	95	2	2016	2016	NUM
hassl-3515	95	3	)	)	PUNCT
hassl-3515	95	4	exhibit	exhibit	VERB
hassl-3515	95	5	a	a	DET
hassl-3515	95	6	negative	negative	ADJ
hassl-3515	95	7	correlation	correlation	NOUN
hassl-3515	95	8	between	between	ADP
hassl-3515	95	9	self	self	NOUN
hassl-3515	95	10	-	-	PUNCT
hassl-3515	95	11	esteem	esteem	NOUN
hassl-3515	95	12	and	and	CCONJ
hassl-3515	95	13	revolving	revolve	VERB
hassl-3515	95	14	debt	debt	NOUN
hassl-3515	95	15	on	on	ADP
hassl-3515	95	16	credit	credit	NOUN
hassl-3515	95	17	cards	card	NOUN
hassl-3515	95	18	in	in	ADP
hassl-3515	95	19	the	the	DET
hassl-3515	95	20	married	married	ADJ
hassl-3515	95	21	group	group	NOUN
hassl-3515	95	22	of	of	ADP
hassl-3515	95	23	pakistani	pakistani	ADJ
hassl-3515	95	24	executives	executive	NOUN
hassl-3515	95	25	in	in	ADP
hassl-3515	95	26	colombo	colombo	NOUN
hassl-3515	95	27	:	:	PUNCT
hassl-3515	95	28	72	72	NUM
hassl-3515	95	29	%	%	NOUN
hassl-3515	95	30	from	from	ADP
hassl-3515	95	31	163	163	NUM
hassl-3515	95	32	people	people	NOUN
hassl-3515	95	33	.	.	PUNCT
hassl-3515	96	1	the	the	DET
hassl-3515	96	2	study	study	NOUN
hassl-3515	96	3	of	of	ADP
hassl-3515	96	4	96	96	NUM
hassl-3515	96	5	people	people	NOUN
hassl-3515	96	6	in	in	ADP
hassl-3515	96	7	surabaya	surabaya	PROPN
hassl-3515	96	8	by	by	ADP
hassl-3515	96	9	haryana	haryana	PROPN
hassl-3515	96	10	(	(	PUNCT
hassl-3515	96	11	2017	2017	NUM
hassl-3515	96	12	)	)	PUNCT
hassl-3515	96	13	exhibits	exhibit	VERB
hassl-3515	96	14	that	that	SCONJ
hassl-3515	96	15	the	the	PRON
hassl-3515	96	16	higher	high	ADJ
hassl-3515	96	17	the	the	DET
hassl-3515	96	18	self	self	NOUN
hassl-3515	96	19	-	-	PUNCT
hassl-3515	96	20	control	control	NOUN
hassl-3515	96	21	,	,	PUNCT
hassl-3515	96	22	the	the	PRON
hassl-3515	96	23	lower	low	ADJ
hassl-3515	96	24	the	the	DET
hassl-3515	96	25	personal	personal	ADJ
hassl-3515	96	26	tendency	tendency	NOUN
hassl-3515	96	27	to	to	PART
hassl-3515	96	28	use	use	VERB
hassl-3515	96	29	a	a	DET
hassl-3515	96	30	credit	credit	NOUN
hassl-3515	96	31	card	card	NOUN
hassl-3515	96	32	.	.	PUNCT
hassl-3515	97	1	in	in	ADP
hassl-3515	97	2	their	their	PRON
hassl-3515	97	3	research	research	NOUN
hassl-3515	97	4	utilizing	utilize	VERB
hassl-3515	97	5	73	73	NUM
hassl-3515	97	6	indonesian	indonesian	ADJ
hassl-3515	97	7	career	career	NOUN
hassl-3515	97	8	women	woman	NOUN
hassl-3515	97	9	in	in	ADP
hassl-3515	97	10	surabaya	surabaya	PROPN
hassl-3515	97	11	,	,	PUNCT
hassl-3515	97	12	sandy	sandy	NOUN
hassl-3515	97	13	and	and	CCONJ
hassl-3515	97	14	renanita	renanita	NOUN
hassl-3515	97	15	(	(	PUNCT
hassl-3515	97	16	2018	2018	NUM
hassl-3515	97	17	)	)	PUNCT
hassl-3515	97	18	conclude	conclude	VERB
hassl-3515	97	19	that	that	SCONJ
hassl-3515	97	20	self	self	NOUN
hassl-3515	97	21	-	-	PUNCT
hassl-3515	97	22	control	control	NOUN
hassl-3515	97	23	reduces	reduce	VERB
hassl-3515	97	24	harmful	harmful	ADJ
hassl-3515	97	25	credit	credit	NOUN
hassl-3515	97	26	card	card	NOUN
hassl-3515	97	27	usage	usage	NOUN
hassl-3515	97	28	.	.	PUNCT
hassl-3515	98	1	by	by	ADP
hassl-3515	98	2	employing	employ	VERB
hassl-3515	98	3	8,554	8,554	NUM
hassl-3515	98	4	spanish	spanish	ADJ
hassl-3515	98	5	citizens	citizen	NOUN
hassl-3515	98	6	as	as	ADP
hassl-3515	98	7	the	the	DET
hassl-3515	98	8	samples	sample	NOUN
hassl-3515	98	9	,	,	PUNCT
hassl-3515	98	10	fernández	fernández	NOUN
hassl-3515	98	11	-	-	PUNCT
hassl-3515	98	12	lópez	lópez	NOUN
hassl-3515	98	13	et	et	PROPN
hassl-3515	98	14	al	al	PROPN
hassl-3515	98	15	.	.	PROPN
hassl-3515	99	1	(	(	PUNCT
hassl-3515	99	2	2023	2023	NUM
hassl-3515	99	3	)	)	PUNCT
hassl-3515	99	4	prove	prove	VERB
hassl-3515	99	5	a	a	DET
hassl-3515	99	6	negative	negative	ADJ
hassl-3515	99	7	propensity	propensity	NOUN
hassl-3515	99	8	of	of	ADP
hassl-3515	99	9	self	self	NOUN
hassl-3515	99	10	-	-	PUNCT
hassl-3515	99	11	control	control	NOUN
hassl-3515	99	12	towards	towards	ADP
hassl-3515	99	13	taking	take	VERB
hassl-3515	99	14	cash	cash	NOUN
hassl-3515	99	15	in	in	ADP
hassl-3515	99	16	advance	advance	NOUN
hassl-3515	99	17	behavior	behavior	NOUN
hassl-3515	99	18	on	on	ADP
hassl-3515	99	19	credit	credit	NOUN
hassl-3515	99	20	cards	card	NOUN
hassl-3515	99	21	for	for	ADP
hassl-3515	99	22	individual	individual	ADJ
hassl-3515	99	23	level	level	NOUN
hassl-3515	99	24	.	.	PUNCT
hassl-3515	100	1	based	base	VERB
hassl-3515	100	2	on	on	ADP
hassl-3515	100	3	this	this	DET
hassl-3515	100	4	evidence	evidence	NOUN
hassl-3515	100	5	,	,	PUNCT
hassl-3515	100	6	the	the	DET
hassl-3515	100	7	second	second	ADJ
hassl-3515	100	8	hypothesis	hypothesis	NOUN
hassl-3515	100	9	is	be	AUX
hassl-3515	100	10	declared	declare	VERB
hassl-3515	100	11	as	as	SCONJ
hassl-3515	100	12	follows	follow	VERB
hassl-3515	100	13	:	:	PUNCT
hassl-3515	100	14	h2	h2	NOUN
hassl-3515	100	15	:	:	PUNCT
hassl-3515	100	16	self	self	NOUN
hassl-3515	100	17	-	-	PUNCT
hassl-3515	100	18	control	control	NOUN
hassl-3515	100	19	cuts	cut	VERB
hassl-3515	100	20	the	the	DET
hassl-3515	100	21	tendency	tendency	NOUN
hassl-3515	100	22	to	to	PART
hassl-3515	100	23	utilize	utilize	VERB
hassl-3515	100	24	a	a	DET
hassl-3515	100	25	credit	credit	NOUN
hassl-3515	100	26	card	card	NOUN
hassl-3515	100	27	.	.	PUNCT
hassl-3515	101	1	humanities	humanity	NOUN
hassl-3515	101	2	and	and	CCONJ
hassl-3515	101	3	social	social	ADJ
hassl-3515	101	4	sciences	science	NOUN
hassl-3515	101	5	letters	letter	NOUN
hassl-3515	101	6	,	,	PUNCT
hassl-3515	101	7	2023	2023	NUM
hassl-3515	101	8	,	,	PUNCT
hassl-3515	101	9	11(3	11(3	NUM
hassl-3515	101	10	):	):	PUNCT
hassl-3515	101	11	349	349	NUM
hassl-3515	101	12	-	-	SYM
hassl-3515	101	13	361	361	NUM
hassl-3515	101	14	352	352	NUM
hassl-3515	101	15	©	©	PROPN
hassl-3515	101	16	2023	2023	NUM
hassl-3515	101	17	conscientia	conscientia	PROPN
hassl-3515	101	18	beam	beam	PROPN
hassl-3515	101	19	.	.	PUNCT
hassl-3515	102	1	all	all	DET
hassl-3515	102	2	rights	right	NOUN
hassl-3515	102	3	reserved	reserve	VERB
hassl-3515	102	4	.	.	PUNCT
hassl-3515	103	1	2.3	2.3	NUM
hassl-3515	103	2	.	.	PUNCT
hassl-3515	103	3	relationship	relationship	NOUN
hassl-3515	103	4	between	between	ADP
hassl-3515	103	5	self	self	NOUN
hassl-3515	103	6	-	-	PUNCT
hassl-3515	103	7	esteem	esteem	NOUN
hassl-3515	103	8	and	and	CCONJ
hassl-3515	103	9	credit	credit	NOUN
hassl-3515	103	10	card	card	NOUN
hassl-3515	103	11	utilization	utilization	NOUN
hassl-3515	103	12	according	accord	VERB
hassl-3515	103	13	to	to	ADP
hassl-3515	103	14	maslow	maslow	NOUN
hassl-3515	103	15	(	(	PUNCT
hassl-3515	103	16	1943	1943	NUM
hassl-3515	103	17	)	)	PUNCT
hassl-3515	103	18	,	,	PUNCT
hassl-3515	103	19	self	self	NOUN
hassl-3515	103	20	-	-	PUNCT
hassl-3515	103	21	esteem	esteem	NOUN
hassl-3515	103	22	is	be	AUX
hassl-3515	103	23	the	the	DET
hassl-3515	103	24	need	need	NOUN
hassl-3515	103	25	to	to	PART
hassl-3515	103	26	appreciate	appreciate	VERB
hassl-3515	103	27	oneself	oneself	PRON
hassl-3515	103	28	and	and	CCONJ
hassl-3515	103	29	others	other	NOUN
hassl-3515	103	30	.	.	PUNCT
hassl-3515	104	1	hierarchically	hierarchically	ADV
hassl-3515	104	2	,	,	PUNCT
hassl-3515	104	3	from	from	ADP
hassl-3515	104	4	the	the	DET
hassl-3515	104	5	bottom	bottom	NOUN
hassl-3515	104	6	,	,	PUNCT
hassl-3515	104	7	this	this	DET
hassl-3515	104	8	need	need	NOUN
hassl-3515	104	9	exists	exist	VERB
hassl-3515	104	10	after	after	ADP
hassl-3515	104	11	physiological	physiological	ADJ
hassl-3515	104	12	,	,	PUNCT
hassl-3515	104	13	safety	safety	NOUN
hassl-3515	104	14	,	,	PUNCT
hassl-3515	104	15	love	love	NOUN
hassl-3515	104	16	,	,	PUNCT
hassl-3515	104	17	and	and	CCONJ
hassl-3515	104	18	social	social	ADJ
hassl-3515	104	19	.	.	PUNCT
hassl-3515	105	1	from	from	ADP
hassl-3515	105	2	the	the	DET
hassl-3515	105	3	top	top	NOUN
hassl-3515	105	4	,	,	PUNCT
hassl-3515	105	5	this	this	PRON
hassl-3515	105	6	need	need	VERB
hassl-3515	105	7	places	place	NOUN
hassl-3515	105	8	the	the	DET
hassl-3515	105	9	second	second	ADJ
hassl-3515	105	10	after	after	ADP
hassl-3515	105	11	self	self	NOUN
hassl-3515	105	12	-	-	PUNCT
hassl-3515	105	13	actualization	actualization	NOUN
hassl-3515	105	14	.	.	PUNCT
hassl-3515	106	1	this	this	DET
hassl-3515	106	2	self	self	NOUN
hassl-3515	106	3	-	-	PUNCT
hassl-3515	106	4	esteem	esteem	NOUN
hassl-3515	106	5	contains	contain	VERB
hassl-3515	106	6	two	two	NUM
hassl-3515	106	7	aspects	aspect	NOUN
hassl-3515	106	8	.	.	PUNCT
hassl-3515	107	1	the	the	DET
hassl-3515	107	2	first	first	ADJ
hassl-3515	107	3	is	be	AUX
hassl-3515	107	4	the	the	DET
hassl-3515	107	5	desire	desire	NOUN
hassl-3515	107	6	for	for	ADP
hassl-3515	107	7	strength	strength	NOUN
hassl-3515	107	8	,	,	PUNCT
hassl-3515	107	9	achievement	achievement	NOUN
hassl-3515	107	10	,	,	PUNCT
hassl-3515	107	11	adequacy	adequacy	NOUN
hassl-3515	107	12	,	,	PUNCT
hassl-3515	107	13	freedom	freedom	NOUN
hassl-3515	107	14	,	,	PUNCT
hassl-3515	107	15	and	and	CCONJ
hassl-3515	107	16	confidence	confidence	NOUN
hassl-3515	107	17	in	in	ADP
hassl-3515	107	18	facing	face	VERB
hassl-3515	107	19	reality	reality	NOUN
hassl-3515	107	20	;	;	PUNCT
hassl-3515	107	21	the	the	DET
hassl-3515	107	22	second	second	NOUN
hassl-3515	107	23	is	be	AUX
hassl-3515	107	24	respect	respect	NOUN
hassl-3515	107	25	,	,	PUNCT
hassl-3515	107	26	recognition	recognition	NOUN
hassl-3515	107	27	,	,	PUNCT
hassl-3515	107	28	attention	attention	NOUN
hassl-3515	107	29	,	,	PUNCT
hassl-3515	107	30	and	and	CCONJ
hassl-3515	107	31	appreciation	appreciation	NOUN
hassl-3515	107	32	from	from	ADP
hassl-3515	107	33	others	other	NOUN
hassl-3515	107	34	.	.	PUNCT
hassl-3515	108	1	hence	hence	ADV
hassl-3515	108	2	,	,	PUNCT
hassl-3515	108	3	rendall	rendall	PROPN
hassl-3515	108	4	,	,	PUNCT
hassl-3515	108	5	brooks	brooks	PROPN
hassl-3515	108	6	,	,	PUNCT
hassl-3515	108	7	and	and	CCONJ
hassl-3515	108	8	hillenbrand	hillenbrand	NOUN
hassl-3515	108	9	(	(	PUNCT
hassl-3515	108	10	2021	2021	NUM
hassl-3515	108	11	)	)	PUNCT
hassl-3515	108	12	explain	explain	VERB
hassl-3515	108	13	that	that	SCONJ
hassl-3515	108	14	individuals	individual	NOUN
hassl-3515	108	15	with	with	ADP
hassl-3515	108	16	high	high	ADJ
hassl-3515	108	17	self	self	NOUN
hassl-3515	108	18	-	-	PUNCT
hassl-3515	108	19	esteem	esteem	NOUN
hassl-3515	108	20	need	need	AUX
hassl-3515	108	21	not	not	PART
hassl-3515	108	22	improve	improve	VERB
hassl-3515	108	23	their	their	PRON
hassl-3515	108	24	self	self	NOUN
hassl-3515	108	25	-	-	PUNCT
hassl-3515	108	26	image	image	NOUN
hassl-3515	108	27	.	.	PUNCT
hassl-3515	109	1	in	in	ADP
hassl-3515	109	2	their	their	PRON
hassl-3515	109	3	study	study	NOUN
hassl-3515	109	4	,	,	PUNCT
hassl-3515	109	5	wang	wang	PROPN
hassl-3515	109	6	et	et	PROPN
hassl-3515	109	7	al	al	PROPN
hassl-3515	109	8	.	.	PROPN
hassl-3515	109	9	(	(	PUNCT
hassl-3515	109	10	2011	2011	NUM
hassl-3515	109	11	)	)	PUNCT
hassl-3515	109	12	investigate	investigate	VERB
hassl-3515	109	13	chinese	chinese	ADJ
hassl-3515	109	14	consumers	consumer	NOUN
hassl-3515	109	15	and	and	CCONJ
hassl-3515	109	16	effectively	effectively	ADV
hassl-3515	109	17	deduce	deduce	VERB
hassl-3515	109	18	that	that	SCONJ
hassl-3515	109	19	individuals	individual	NOUN
hassl-3515	109	20	with	with	ADP
hassl-3515	109	21	elevated	elevated	ADJ
hassl-3515	109	22	self	self	NOUN
hassl-3515	109	23	-	-	PUNCT
hassl-3515	109	24	esteem	esteem	NOUN
hassl-3515	109	25	reduce	reduce	VERB
hassl-3515	109	26	credit	credit	NOUN
hassl-3515	109	27	card	card	NOUN
hassl-3515	109	28	utilization	utilization	NOUN
hassl-3515	109	29	.	.	PUNCT
hassl-3515	110	1	similarly	similarly	ADV
hassl-3515	110	2	,	,	PUNCT
hassl-3515	110	3	omar	omar	PROPN
hassl-3515	110	4	et	et	PROPN
hassl-3515	110	5	al	al	PROPN
hassl-3515	110	6	.	.	PROPN
hassl-3515	111	1	(	(	PUNCT
hassl-3515	111	2	2014	2014	NUM
hassl-3515	111	3	)	)	PUNCT
hassl-3515	111	4	investigation	investigation	NOUN
hassl-3515	111	5	exhibits	exhibit	VERB
hassl-3515	111	6	that	that	DET
hassl-3515	111	7	high	high	ADJ
hassl-3515	111	8	self	self	NOUN
hassl-3515	111	9	-	-	PUNCT
hassl-3515	111	10	esteem	esteem	NOUN
hassl-3515	111	11	inclines	incline	VERB
hassl-3515	111	12	to	to	PART
hassl-3515	111	13	lessen	lessen	VERB
hassl-3515	111	14	the	the	DET
hassl-3515	111	15	degree	degree	NOUN
hassl-3515	111	16	of	of	ADP
hassl-3515	111	17	credit	credit	NOUN
hassl-3515	111	18	card	card	NOUN
hassl-3515	111	19	misapplication	misapplication	NOUN
hassl-3515	111	20	by	by	ADP
hassl-3515	111	21	malaysians	malaysians	PROPN
hassl-3515	111	22	.	.	PUNCT
hassl-3515	112	1	in	in	ADP
hassl-3515	112	2	brazil	brazil	PROPN
hassl-3515	112	3	,	,	PUNCT
hassl-3515	112	4	matos	matos	PROPN
hassl-3515	112	5	et	et	PROPN
hassl-3515	112	6	al	al	PROPN
hassl-3515	112	7	.	.	PROPN
hassl-3515	113	1	(	(	PUNCT
hassl-3515	113	2	2019	2019	NUM
hassl-3515	113	3	)	)	PUNCT
hassl-3515	113	4	research	research	NOUN
hassl-3515	113	5	demonstrates	demonstrate	VERB
hassl-3515	113	6	that	that	SCONJ
hassl-3515	113	7	small	small	ADJ
hassl-3515	113	8	-	-	PUNCT
hassl-3515	113	9	revenue	revenue	NOUN
hassl-3515	113	10	consumers	consumer	NOUN
hassl-3515	113	11	with	with	ADP
hassl-3515	113	12	high	high	ADJ
hassl-3515	113	13	self	self	NOUN
hassl-3515	113	14	-	-	PUNCT
hassl-3515	113	15	esteem	esteem	NOUN
hassl-3515	113	16	tend	tend	VERB
hassl-3515	113	17	to	to	PART
hassl-3515	113	18	diminish	diminish	VERB
hassl-3515	113	19	their	their	PRON
hassl-3515	113	20	indebtedness	indebtedness	NOUN
hassl-3515	113	21	.	.	PUNCT
hassl-3515	114	1	based	base	VERB
hassl-3515	114	2	on	on	ADP
hassl-3515	114	3	this	this	DET
hassl-3515	114	4	evidence	evidence	NOUN
hassl-3515	114	5	,	,	PUNCT
hassl-3515	114	6	the	the	DET
hassl-3515	114	7	third	third	ADJ
hassl-3515	114	8	hypothesis	hypothesis	NOUN
hassl-3515	114	9	is	be	AUX
hassl-3515	114	10	declared	declare	VERB
hassl-3515	114	11	as	as	SCONJ
hassl-3515	114	12	follows	follow	VERB
hassl-3515	114	13	:	:	PUNCT
hassl-3515	114	14	h3	h3	NOUN
hassl-3515	114	15	:	:	PUNCT
hassl-3515	114	16	self	self	NOUN
hassl-3515	114	17	-	-	PUNCT
hassl-3515	114	18	esteem	esteem	NOUN
hassl-3515	114	19	cuts	cut	VERB
hassl-3515	114	20	the	the	DET
hassl-3515	114	21	tendency	tendency	NOUN
hassl-3515	114	22	to	to	PART
hassl-3515	114	23	utilize	utilize	VERB
hassl-3515	114	24	a	a	DET
hassl-3515	114	25	credit	credit	NOUN
hassl-3515	114	26	card	card	NOUN
hassl-3515	114	27	.	.	PUNCT
hassl-3515	115	1	3	3	X
hassl-3515	115	2	.	.	X
hassl-3515	115	3	research	research	NOUN
hassl-3515	115	4	methods	method	NOUN
hassl-3515	115	5	3.1	3.1	NUM
hassl-3515	115	6	.	.	PUNCT
hassl-3515	116	1	variable	variable	ADJ
hassl-3515	116	2	explanation	explanation	NOUN
hassl-3515	116	3	this	this	DET
hassl-3515	116	4	study	study	NOUN
hassl-3515	116	5	employs	employ	VERB
hassl-3515	116	6	the	the	DET
hassl-3515	116	7	latent	latent	NOUN
hassl-3515	116	8	variables	variable	NOUN
hassl-3515	116	9	:	:	PUNCT
hassl-3515	116	10	credit	credit	NOUN
hassl-3515	116	11	card	card	NOUN
hassl-3515	116	12	utilization	utilization	NOUN
hassl-3515	116	13	,	,	PUNCT
hassl-3515	116	14	self	self	NOUN
hassl-3515	116	15	-	-	PUNCT
hassl-3515	116	16	control	control	NOUN
hassl-3515	116	17	,	,	PUNCT
hassl-3515	116	18	and	and	CCONJ
hassl-3515	116	19	self	self	NOUN
hassl-3515	116	20	-	-	PUNCT
hassl-3515	116	21	esteem	esteem	NOUN
hassl-3515	116	22	.	.	PUNCT
hassl-3515	117	1	according	accord	VERB
hassl-3515	117	2	to	to	ADP
hassl-3515	117	3	ghozali	ghozali	PROPN
hassl-3515	117	4	(	(	PUNCT
hassl-3515	117	5	2017	2017	NUM
hassl-3515	117	6	)	)	PUNCT
hassl-3515	117	7	,	,	PUNCT
hassl-3515	117	8	these	these	DET
hassl-3515	117	9	variables	variable	NOUN
hassl-3515	117	10	can	can	AUX
hassl-3515	117	11	not	not	PART
hassl-3515	117	12	be	be	AUX
hassl-3515	117	13	directly	directly	ADV
hassl-3515	117	14	observed	observe	VERB
hassl-3515	117	15	;	;	PUNCT
hassl-3515	117	16	therefore	therefore	ADV
hassl-3515	117	17	,	,	PUNCT
hassl-3515	117	18	their	their	PRON
hassl-3515	117	19	reflecting	reflect	VERB
hassl-3515	117	20	items	item	NOUN
hassl-3515	117	21	must	must	AUX
hassl-3515	117	22	exist	exist	VERB
hassl-3515	117	23	.	.	PUNCT
hassl-3515	118	1	for	for	ADP
hassl-3515	118	2	credit	credit	NOUN
hassl-3515	118	3	card	card	NOUN
hassl-3515	118	4	utilization	utilization	NOUN
hassl-3515	118	5	,	,	PUNCT
hassl-3515	118	6	the	the	DET
hassl-3515	118	7	indicators	indicator	NOUN
hassl-3515	118	8	employed	employ	VERB
hassl-3515	118	9	are	be	AUX
hassl-3515	118	10	from	from	ADP
hassl-3515	118	11	hussin	hussin	PROPN
hassl-3515	118	12	,	,	PUNCT
hassl-3515	118	13	kassim	kassim	PROPN
hassl-3515	118	14	,	,	PUNCT
hassl-3515	118	15	and	and	CCONJ
hassl-3515	118	16	jamal	jamal	PROPN
hassl-3515	118	17	(	(	PUNCT
hassl-3515	118	18	2013	2013	NUM
hassl-3515	118	19	)	)	PUNCT
hassl-3515	118	20	,	,	PUNCT
hassl-3515	118	21	with	with	ADP
hassl-3515	118	22	minor	minor	ADJ
hassl-3515	118	23	modifications	modification	NOUN
hassl-3515	118	24	.	.	PUNCT
hassl-3515	119	1	the	the	DET
hassl-3515	119	2	associated	associate	VERB
hassl-3515	119	3	modified	modify	VERB
hassl-3515	119	4	items	item	NOUN
hassl-3515	119	5	are	be	AUX
hassl-3515	119	6	:	:	PUNCT
hassl-3515	119	7	i	i	PRON
hassl-3515	119	8	always	always	ADV
hassl-3515	119	9	use	use	VERB
hassl-3515	119	10	my	my	PRON
hassl-3515	119	11	credit	credit	NOUN
hassl-3515	119	12	card	card	NOUN
hassl-3515	119	13	when	when	SCONJ
hassl-3515	119	14	shopping	shop	VERB
hassl-3515	119	15	everywhere	everywhere	ADV
hassl-3515	119	16	(	(	PUNCT
hassl-3515	119	17	ccu1	ccu1	PROPN
hassl-3515	119	18	)	)	PUNCT
hassl-3515	119	19	and	and	CCONJ
hassl-3515	119	20	do	do	AUX
hassl-3515	119	21	not	not	PART
hassl-3515	119	22	think	think	VERB
hassl-3515	119	23	to	to	PART
hassl-3515	119	24	buy	buy	VERB
hassl-3515	119	25	goods	good	NOUN
hassl-3515	119	26	carefully	carefully	ADV
hassl-3515	119	27	with	with	ADP
hassl-3515	119	28	my	my	PRON
hassl-3515	119	29	credit	credit	NOUN
hassl-3515	119	30	card	card	NOUN
hassl-3515	119	31	(	(	PUNCT
hassl-3515	119	32	ccu3	ccu3	PROPN
hassl-3515	119	33	)	)	PUNCT
hassl-3515	119	34	.	.	PUNCT
hassl-3515	120	1	regarding	regard	VERB
hassl-3515	120	2	payment	payment	NOUN
hassl-3515	120	3	,	,	PUNCT
hassl-3515	120	4	we	we	PRON
hassl-3515	120	5	modify	modify	VERB
hassl-3515	120	6	hussin	hussin	PROPN
hassl-3515	120	7	et	et	PROPN
hassl-3515	120	8	al	al	PROPN
hassl-3515	120	9	.	.	PROPN
hassl-3515	121	1	(	(	PUNCT
hassl-3515	121	2	2013	2013	NUM
hassl-3515	121	3	)	)	PUNCT
hassl-3515	121	4	by	by	ADP
hassl-3515	121	5	providing	provide	VERB
hassl-3515	121	6	three	three	NUM
hassl-3515	121	7	choices	choice	NOUN
hassl-3515	121	8	of	of	ADP
hassl-3515	121	9	single	single	ADJ
hassl-3515	121	10	items	item	NOUN
hassl-3515	121	11	(	(	PUNCT
hassl-3515	121	12	ccu4	ccu4	NOUN
hassl-3515	121	13	)	)	PUNCT
hassl-3515	121	14	.	.	PUNCT
hassl-3515	122	1	one	one	NUM
hassl-3515	122	2	is	be	AUX
hassl-3515	122	3	for	for	ADP
hassl-3515	122	4	safety	safety	NOUN
hassl-3515	122	5	payment	payment	NOUN
hassl-3515	122	6	and	and	CCONJ
hassl-3515	122	7	happens	happen	VERB
hassl-3515	122	8	when	when	SCONJ
hassl-3515	122	9	respondents	respondent	NOUN
hassl-3515	122	10	fully	fully	ADV
hassl-3515	122	11	pay	pay	VERB
hassl-3515	122	12	the	the	DET
hassl-3515	122	13	bill	bill	NOUN
hassl-3515	122	14	.	.	PUNCT
hassl-3515	123	1	three	three	NUM
hassl-3515	123	2	is	be	AUX
hassl-3515	123	3	for	for	ADP
hassl-3515	123	4	a	a	DET
hassl-3515	123	5	reasonable	reasonable	ADJ
hassl-3515	123	6	disbursement	disbursement	NOUN
hassl-3515	123	7	and	and	CCONJ
hassl-3515	123	8	occurs	occur	VERB
hassl-3515	123	9	when	when	SCONJ
hassl-3515	123	10	they	they	PRON
hassl-3515	123	11	pay	pay	VERB
hassl-3515	123	12	the	the	DET
hassl-3515	123	13	invoice	invoice	NOUN
hassl-3515	123	14	between	between	ADP
hassl-3515	123	15	the	the	DET
hassl-3515	123	16	minimum	minimum	NOUN
hassl-3515	123	17	and	and	CCONJ
hassl-3515	123	18	the	the	DET
hassl-3515	123	19	entire	entire	ADJ
hassl-3515	123	20	amount	amount	NOUN
hassl-3515	123	21	.	.	PUNCT
hassl-3515	124	1	five	five	NUM
hassl-3515	124	2	is	be	AUX
hassl-3515	124	3	for	for	ADP
hassl-3515	124	4	unsafety	unsafety	NOUN
hassl-3515	124	5	payment	payment	NOUN
hassl-3515	124	6	,	,	PUNCT
hassl-3515	124	7	which	which	PRON
hassl-3515	124	8	happens	happen	VERB
hassl-3515	124	9	when	when	SCONJ
hassl-3515	124	10	they	they	PRON
hassl-3515	124	11	pay	pay	VERB
hassl-3515	124	12	the	the	DET
hassl-3515	124	13	bill	bill	NOUN
hassl-3515	124	14	at	at	ADP
hassl-3515	124	15	a	a	DET
hassl-3515	124	16	minimum	minimum	ADJ
hassl-3515	124	17	amount	amount	NOUN
hassl-3515	124	18	.	.	PUNCT
hassl-3515	125	1	table	table	NOUN
hassl-3515	125	2	1	1	NUM
hassl-3515	125	3	.	.	PUNCT
hassl-3515	126	1	the	the	DET
hassl-3515	126	2	topic	topic	NOUN
hassl-3515	126	3	of	of	ADP
hassl-3515	126	4	question	question	NOUN
hassl-3515	126	5	to	to	PART
hassl-3515	126	6	measure	measure	VERB
hassl-3515	126	7	the	the	DET
hassl-3515	126	8	financial	financial	ADJ
hassl-3515	126	9	literacy	literacy	NOUN
hassl-3515	126	10	level	level	NOUN
hassl-3515	126	11	.	.	PUNCT
hassl-3515	127	1	topic	topic	NOUN
hassl-3515	127	2	code	code	NOUN
hassl-3515	127	3	question	question	NOUN
hassl-3515	127	4	annual	annual	ADJ
hassl-3515	127	5	percentage	percentage	NOUN
hassl-3515	127	6	rate	rate	NOUN
hassl-3515	127	7	apr1	apr1	NOUN
hassl-3515	127	8	the	the	DET
hassl-3515	127	9	variable	variable	ADJ
hassl-3515	127	10	annual	annual	ADJ
hassl-3515	127	11	percentage	percentage	NOUN
hassl-3515	127	12	rate	rate	NOUN
hassl-3515	127	13	(	(	PUNCT
hassl-3515	127	14	apr	apr	NOUN
hassl-3515	127	15	)	)	PUNCT
hassl-3515	127	16	is	be	AUX
hassl-3515	127	17	the	the	DET
hassl-3515	127	18	interest	interest	NOUN
hassl-3515	127	19	charged	charge	VERB
hassl-3515	127	20	for	for	ADP
hassl-3515	127	21	carrying	carry	VERB
hassl-3515	127	22	a	a	DET
hassl-3515	127	23	balance	balance	NOUN
hassl-3515	127	24	on	on	ADP
hassl-3515	127	25	my	my	PRON
hassl-3515	127	26	credit	credit	NOUN
hassl-3515	127	27	card	card	NOUN
hassl-3515	127	28	.	.	PUNCT
hassl-3515	128	1	apr2	apr2	PROPN
hassl-3515	128	2	variable	variable	ADJ
hassl-3515	128	3	apr	apr	PROPN
hassl-3515	128	4	will	will	AUX
hassl-3515	128	5	not	not	PART
hassl-3515	128	6	be	be	AUX
hassl-3515	128	7	applied	apply	VERB
hassl-3515	128	8	if	if	SCONJ
hassl-3515	128	9	i	i	PRON
hassl-3515	128	10	pay	pay	VERB
hassl-3515	128	11	off	off	ADP
hassl-3515	128	12	my	my	PRON
hassl-3515	128	13	credit	credit	NOUN
hassl-3515	128	14	card	card	NOUN
hassl-3515	128	15	bill	bill	NOUN
hassl-3515	128	16	each	each	DET
hassl-3515	128	17	month	month	NOUN
hassl-3515	128	18	.	.	PUNCT
hassl-3515	129	1	apr3	apr3	PROPN
hassl-3515	129	2	variable	variable	ADJ
hassl-3515	129	3	apr	apr	PROPN
hassl-3515	129	4	is	be	AUX
hassl-3515	129	5	the	the	DET
hassl-3515	129	6	cost	cost	NOUN
hassl-3515	129	7	paid	pay	VERB
hassl-3515	129	8	to	to	ADP
hassl-3515	129	9	the	the	DET
hassl-3515	129	10	bank	bank	NOUN
hassl-3515	129	11	to	to	PART
hassl-3515	129	12	purchase	purchase	VERB
hassl-3515	129	13	by	by	ADP
hassl-3515	129	14	utilizing	utilize	VERB
hassl-3515	129	15	my	my	PRON
hassl-3515	129	16	credit	credit	NOUN
hassl-3515	129	17	card	card	NOUN
hassl-3515	129	18	.	.	PUNCT
hassl-3515	130	1	apr4	apr4	PROPN
hassl-3515	130	2	when	when	SCONJ
hassl-3515	130	3	charges	charge	NOUN
hassl-3515	130	4	and	and	CCONJ
hassl-3515	130	5	their	their	PRON
hassl-3515	130	6	balance	balance	NOUN
hassl-3515	130	7	occasionally	occasionally	ADV
hassl-3515	130	8	exist	exist	VERB
hassl-3515	130	9	,	,	PUNCT
hassl-3515	130	10	i	i	PRON
hassl-3515	130	11	must	must	AUX
hassl-3515	130	12	pay	pay	VERB
hassl-3515	130	13	an	an	DET
hassl-3515	130	14	annual	annual	ADJ
hassl-3515	130	15	percentage	percentage	NOUN
hassl-3515	130	16	rate	rate	NOUN
hassl-3515	130	17	to	to	PART
hassl-3515	130	18	compensate	compensate	VERB
hassl-3515	130	19	the	the	DET
hassl-3515	130	20	bank	bank	NOUN
hassl-3515	130	21	for	for	ADP
hassl-3515	130	22	carrying	carry	VERB
hassl-3515	130	23	that	that	DET
hassl-3515	130	24	balance	balance	NOUN
hassl-3515	130	25	.	.	PUNCT
hassl-3515	131	1	a	a	DET
hassl-3515	131	2	penalty	penalty	NOUN
hassl-3515	131	3	annual	annual	ADJ
hassl-3515	131	4	percentage	percentage	NOUN
hassl-3515	131	5	rate	rate	NOUN
hassl-3515	131	6	papr1	papr1	NOUN
hassl-3515	131	7	a	a	DET
hassl-3515	131	8	penalty	penalty	NOUN
hassl-3515	131	9	annual	annual	ADJ
hassl-3515	131	10	percentage	percentage	NOUN
hassl-3515	131	11	rate	rate	NOUN
hassl-3515	131	12	(	(	PUNCT
hassl-3515	131	13	penalty	penalty	NOUN
hassl-3515	131	14	apr	apr	NOUN
hassl-3515	131	15	)	)	PUNCT
hassl-3515	131	16	is	be	AUX
hassl-3515	131	17	a	a	DET
hassl-3515	131	18	percentage	percentage	NOUN
hassl-3515	131	19	increase	increase	NOUN
hassl-3515	131	20	over	over	ADP
hassl-3515	131	21	the	the	DET
hassl-3515	131	22	regular	regular	ADJ
hassl-3515	131	23	yearly	yearly	ADJ
hassl-3515	131	24	percentage	percentage	NOUN
hassl-3515	131	25	rate	rate	NOUN
hassl-3515	131	26	paid	pay	VERB
hassl-3515	131	27	to	to	ADP
hassl-3515	131	28	a	a	DET
hassl-3515	131	29	bank	bank	NOUN
hassl-3515	131	30	to	to	PART
hassl-3515	131	31	cover	cover	VERB
hassl-3515	131	32	the	the	DET
hassl-3515	131	33	cost	cost	NOUN
hassl-3515	131	34	of	of	ADP
hassl-3515	131	35	borrowing	borrow	VERB
hassl-3515	131	36	money	money	NOUN
hassl-3515	131	37	because	because	SCONJ
hassl-3515	131	38	of	of	ADP
hassl-3515	131	39	a	a	DET
hassl-3515	131	40	credit	credit	NOUN
hassl-3515	131	41	card	card	NOUN
hassl-3515	131	42	purchase	purchase	NOUN
hassl-3515	131	43	.	.	PUNCT
hassl-3515	132	1	this	this	DET
hassl-3515	132	2	penalty	penalty	NOUN
hassl-3515	132	3	is	be	AUX
hassl-3515	132	4	usually	usually	ADV
hassl-3515	132	5	used	use	VERB
hassl-3515	132	6	if	if	SCONJ
hassl-3515	132	7	i	i	PRON
hassl-3515	132	8	pay	pay	VERB
hassl-3515	132	9	the	the	DET
hassl-3515	132	10	credit	credit	NOUN
hassl-3515	132	11	card	card	NOUN
hassl-3515	132	12	bill	bill	NOUN
hassl-3515	132	13	late	late	ADV
hassl-3515	132	14	or	or	CCONJ
hassl-3515	132	15	fail	fail	VERB
hassl-3515	132	16	to	to	PART
hassl-3515	132	17	pay	pay	VERB
hassl-3515	132	18	.	.	PUNCT
hassl-3515	133	1	papr2	papr2	NOUN
hassl-3515	133	2	penalty	penalty	NOUN
hassl-3515	133	3	apr	apr	NOUN
hassl-3515	133	4	is	be	AUX
hassl-3515	133	5	similar	similar	ADJ
hassl-3515	133	6	to	to	ADP
hassl-3515	133	7	a	a	DET
hassl-3515	133	8	fine	fine	NOUN
hassl-3515	133	9	paid	pay	VERB
hassl-3515	133	10	to	to	ADP
hassl-3515	133	11	the	the	DET
hassl-3515	133	12	bank	bank	NOUN
hassl-3515	133	13	for	for	ADP
hassl-3515	133	14	continually	continually	ADV
hassl-3515	133	15	paying	pay	VERB
hassl-3515	133	16	my	my	PRON
hassl-3515	133	17	credit	credit	NOUN
hassl-3515	133	18	card	card	NOUN
hassl-3515	133	19	bill	bill	NOUN
hassl-3515	133	20	late	late	ADV
hassl-3515	133	21	.	.	PUNCT
hassl-3515	134	1	yearly	yearly	ADJ
hassl-3515	134	2	fee	fee	NOUN
hassl-3515	134	3	yf1	yf1	NOUN
hassl-3515	134	4	the	the	DET
hassl-3515	134	5	annual	annual	ADJ
hassl-3515	134	6	fee	fee	NOUN
hassl-3515	134	7	is	be	AUX
hassl-3515	134	8	the	the	DET
hassl-3515	134	9	price	price	NOUN
hassl-3515	134	10	paid	pay	VERB
hassl-3515	134	11	every	every	DET
hassl-3515	134	12	year	year	NOUN
hassl-3515	134	13	to	to	ADP
hassl-3515	134	14	a	a	DET
hassl-3515	134	15	bank	bank	NOUN
hassl-3515	134	16	for	for	ADP
hassl-3515	134	17	the	the	DET
hassl-3515	134	18	credit	credit	NOUN
hassl-3515	134	19	card	card	NOUN
hassl-3515	134	20	privilege	privilege	NOUN
hassl-3515	134	21	.	.	PUNCT
hassl-3515	135	1	yf2	yf2	NOUN
hassl-3515	135	2	the	the	DET
hassl-3515	135	3	bank	bank	NOUN
hassl-3515	135	4	will	will	AUX
hassl-3515	135	5	charge	charge	VERB
hassl-3515	135	6	the	the	DET
hassl-3515	135	7	annual	annual	ADJ
hassl-3515	135	8	fee	fee	NOUN
hassl-3515	135	9	as	as	ADP
hassl-3515	135	10	a	a	DET
hassl-3515	135	11	cost	cost	NOUN
hassl-3515	135	12	for	for	ADP
hassl-3515	135	13	my	my	PRON
hassl-3515	135	14	credit	credit	NOUN
hassl-3515	135	15	card	card	NOUN
hassl-3515	135	16	usage	usage	NOUN
hassl-3515	135	17	.	.	PUNCT
hassl-3515	136	1	unpunctual	unpunctual	ADJ
hassl-3515	136	2	fee	fee	NOUN
hassl-3515	136	3	uf1	uf1	ADP
hassl-3515	136	4	an	an	DET
hassl-3515	136	5	unpunctual	unpunctual	ADJ
hassl-3515	136	6	fee	fee	NOUN
hassl-3515	136	7	is	be	AUX
hassl-3515	136	8	a	a	DET
hassl-3515	136	9	price	price	NOUN
hassl-3515	136	10	charged	charge	VERB
hassl-3515	136	11	for	for	ADP
hassl-3515	136	12	taking	take	VERB
hassl-3515	136	13	an	an	DET
hassl-3515	136	14	overdue	overdue	ADJ
hassl-3515	136	15	payment	payment	NOUN
hassl-3515	136	16	to	to	ADP
hassl-3515	136	17	the	the	DET
hassl-3515	136	18	bank	bank	NOUN
hassl-3515	136	19	,	,	PUNCT
hassl-3515	136	20	and	and	CCONJ
hassl-3515	136	21	it	it	PRON
hassl-3515	136	22	is	be	AUX
hassl-3515	136	23	mechanically	mechanically	ADV
hassl-3515	136	24	charged	charge	VERB
hassl-3515	136	25	to	to	ADP
hassl-3515	136	26	my	my	PRON
hassl-3515	136	27	account	account	NOUN
hassl-3515	136	28	every	every	DET
hassl-3515	136	29	time	time	NOUN
hassl-3515	136	30	i	i	PRON
hassl-3515	136	31	pay	pay	VERB
hassl-3515	136	32	late	late	ADV
hassl-3515	136	33	.	.	PUNCT
hassl-3515	137	1	uf2	uf2	NOUN
hassl-3515	137	2	when	when	SCONJ
hassl-3515	137	3	paying	pay	VERB
hassl-3515	137	4	a	a	DET
hassl-3515	137	5	credit	credit	NOUN
hassl-3515	137	6	card	card	NOUN
hassl-3515	137	7	bill	bill	NOUN
hassl-3515	137	8	unpunctually	unpunctually	ADV
hassl-3515	137	9	,	,	PUNCT
hassl-3515	137	10	i	i	PRON
hassl-3515	137	11	shall	shall	AUX
hassl-3515	137	12	be	be	AUX
hassl-3515	137	13	charged	charge	VERB
hassl-3515	137	14	a	a	DET
hassl-3515	137	15	late	late	ADJ
hassl-3515	137	16	fee	fee	NOUN
hassl-3515	137	17	by	by	ADP
hassl-3515	137	18	the	the	DET
hassl-3515	137	19	bank	bank	NOUN
hassl-3515	137	20	.	.	PUNCT
hassl-3515	138	1	the	the	DET
hassl-3515	138	2	introductory	introductory	ADJ
hassl-3515	138	3	annual	annual	ADJ
hassl-3515	138	4	percentage	percentage	NOUN
hassl-3515	138	5	rate	rate	NOUN
hassl-3515	138	6	iapr1	iapr1	NOUN
hassl-3515	138	7	an	an	DET
hassl-3515	138	8	introductory	introductory	ADJ
hassl-3515	138	9	apr	apr	NOUN
hassl-3515	138	10	is	be	AUX
hassl-3515	138	11	a	a	DET
hassl-3515	138	12	cost	cost	NOUN
hassl-3515	138	13	paid	pay	VERB
hassl-3515	138	14	to	to	ADP
hassl-3515	138	15	a	a	DET
hassl-3515	138	16	bank	bank	NOUN
hassl-3515	138	17	to	to	PART
hassl-3515	138	18	purchase	purchase	VERB
hassl-3515	138	19	or	or	CCONJ
hassl-3515	138	20	transfer	transfer	VERB
hassl-3515	138	21	balances	balance	NOUN
hassl-3515	138	22	to	to	ADP
hassl-3515	138	23	a	a	DET
hassl-3515	138	24	credit	credit	NOUN
hassl-3515	138	25	card	card	NOUN
hassl-3515	138	26	.	.	PUNCT
hassl-3515	139	1	it	it	PRON
hassl-3515	139	2	generally	generally	ADV
hassl-3515	139	3	only	only	ADV
hassl-3515	139	4	lasts	last	VERB
hassl-3515	139	5	for	for	ADP
hassl-3515	139	6	a	a	DET
hassl-3515	139	7	detailed	detailed	ADJ
hassl-3515	139	8	period	period	NOUN
hassl-3515	139	9	.	.	PUNCT
hassl-3515	140	1	iapr2	iapr2	NOUN
hassl-3515	140	2	introductory	introductory	ADJ
hassl-3515	140	3	apr	apr	PROPN
hassl-3515	140	4	usually	usually	ADV
hassl-3515	140	5	lasts	last	VERB
hassl-3515	140	6	for	for	ADP
hassl-3515	140	7	a	a	DET
hassl-3515	140	8	specified	specified	ADJ
hassl-3515	140	9	period	period	NOUN
hassl-3515	140	10	and	and	CCONJ
hassl-3515	140	11	is	be	AUX
hassl-3515	140	12	generally	generally	ADV
hassl-3515	140	13	only	only	ADV
hassl-3515	140	14	applied	apply	VERB
hassl-3515	140	15	to	to	ADP
hassl-3515	140	16	purchases	purchase	NOUN
hassl-3515	140	17	not	not	PART
hassl-3515	140	18	paid	pay	VERB
hassl-3515	140	19	off	off	ADP
hassl-3515	140	20	monthly	monthly	ADJ
hassl-3515	140	21	or	or	CCONJ
hassl-3515	140	22	balance	balance	NOUN
hassl-3515	140	23	transfers	transfer	NOUN
hassl-3515	140	24	made	make	VERB
hassl-3515	140	25	during	during	ADP
hassl-3515	140	26	that	that	DET
hassl-3515	140	27	time	time	NOUN
hassl-3515	140	28	.	.	PUNCT
hassl-3515	141	1	humanities	humanity	NOUN
hassl-3515	141	2	and	and	CCONJ
hassl-3515	141	3	social	social	ADJ
hassl-3515	141	4	sciences	science	NOUN
hassl-3515	141	5	letters	letter	NOUN
hassl-3515	141	6	,	,	PUNCT
hassl-3515	141	7	2023	2023	NUM
hassl-3515	141	8	,	,	PUNCT
hassl-3515	141	9	11(3	11(3	NUM
hassl-3515	141	10	):	):	PUNCT
hassl-3515	141	11	349	349	NUM
hassl-3515	141	12	-	-	SYM
hassl-3515	141	13	361	361	NUM
hassl-3515	141	14	353	353	NUM
hassl-3515	141	15	©	©	PROPN
hassl-3515	141	16	2023	2023	NUM
hassl-3515	141	17	conscientia	conscientia	PROPN
hassl-3515	141	18	beam	beam	PROPN
hassl-3515	141	19	.	.	PUNCT
hassl-3515	142	1	all	all	DET
hassl-3515	142	2	rights	right	NOUN
hassl-3515	142	3	reserved	reserve	VERB
hassl-3515	142	4	.	.	PUNCT
hassl-3515	143	1	according	accord	VERB
hassl-3515	143	2	to	to	ADP
hassl-3515	143	3	braunsberger	braunsberger	PROPN
hassl-3515	143	4	et	et	PROPN
hassl-3515	143	5	al	al	PROPN
hassl-3515	143	6	.	.	PROPN
hassl-3515	144	1	(	(	PUNCT
hassl-3515	144	2	2004	2004	NUM
hassl-3515	144	3	)	)	PUNCT
hassl-3515	144	4	,	,	PUNCT
hassl-3515	144	5	credit	credit	NOUN
hassl-3515	144	6	card	card	NOUN
hassl-3515	144	7	-	-	PUNCT
hassl-3515	144	8	related	relate	VERB
hassl-3515	144	9	financial	financial	ADJ
hassl-3515	144	10	literacy	literacy	NOUN
hassl-3515	144	11	is	be	AUX
hassl-3515	144	12	directly	directly	ADV
hassl-3515	144	13	quantified	quantify	VERB
hassl-3515	144	14	by	by	ADP
hassl-3515	144	15	the	the	DET
hassl-3515	144	16	correct	correct	ADJ
hassl-3515	144	17	answer	answer	NOUN
hassl-3515	144	18	to	to	ADP
hassl-3515	144	19	twelve	twelve	NUM
hassl-3515	144	20	questions	question	NOUN
hassl-3515	144	21	.	.	PUNCT
hassl-3515	145	1	furthermore	furthermore	ADV
hassl-3515	145	2	,	,	PUNCT
hassl-3515	145	3	the	the	DET
hassl-3515	145	4	respondents	respondent	NOUN
hassl-3515	145	5	are	be	AUX
hassl-3515	145	6	asked	ask	VERB
hassl-3515	145	7	to	to	PART
hassl-3515	145	8	select	select	VERB
hassl-3515	145	9	one	one	NUM
hassl-3515	145	10	precise	precise	ADJ
hassl-3515	145	11	solution	solution	NOUN
hassl-3515	145	12	based	base	VERB
hassl-3515	145	13	on	on	ADP
hassl-3515	145	14	these	these	DET
hassl-3515	145	15	questions	question	NOUN
hassl-3515	145	16	,	,	PUNCT
hassl-3515	145	17	i.e.	i.e.	X
hassl-3515	145	18	,	,	PUNCT
hassl-3515	145	19	true	true	ADJ
hassl-3515	145	20	or	or	CCONJ
hassl-3515	145	21	false	false	ADJ
hassl-3515	145	22	.	.	PUNCT
hassl-3515	146	1	if	if	SCONJ
hassl-3515	146	2	they	they	PRON
hassl-3515	146	3	correctly	correctly	ADV
hassl-3515	146	4	answer	answer	VERB
hassl-3515	146	5	,	,	PUNCT
hassl-3515	146	6	the	the	DET
hassl-3515	146	7	point	point	NOUN
hassl-3515	146	8	is	be	AUX
hassl-3515	146	9	one	one	NUM
hassl-3515	146	10	,	,	PUNCT
hassl-3515	146	11	and	and	CCONJ
hassl-3515	146	12	zero	zero	NUM
hassl-3515	146	13	if	if	SCONJ
hassl-3515	146	14	they	they	PRON
hassl-3515	146	15	mistakenly	mistakenly	ADV
hassl-3515	146	16	answer	answer	VERB
hassl-3515	146	17	.	.	PUNCT
hassl-3515	147	1	hence	hence	ADV
hassl-3515	147	2	,	,	PUNCT
hassl-3515	147	3	considering	consider	VERB
hassl-3515	147	4	ghozali	ghozali	ADJ
hassl-3515	147	5	(	(	PUNCT
hassl-3515	147	6	2017	2017	NUM
hassl-3515	147	7	)	)	PUNCT
hassl-3515	147	8	,	,	PUNCT
hassl-3515	147	9	financial	financial	ADJ
hassl-3515	147	10	literacy	literacy	NOUN
hassl-3515	147	11	becomes	become	VERB
hassl-3515	147	12	a	a	DET
hassl-3515	147	13	non	non	ADJ
hassl-3515	147	14	-	-	ADJ
hassl-3515	147	15	latent	latent	ADJ
hassl-3515	147	16	variable	variable	NOUN
hassl-3515	147	17	.	.	PUNCT
hassl-3515	148	1	moreover	moreover	ADV
hassl-3515	148	2	,	,	PUNCT
hassl-3515	148	3	the	the	DET
hassl-3515	148	4	twelve	twelve	NUM
hassl-3515	148	5	questions	question	NOUN
hassl-3515	148	6	intended	intend	VERB
hassl-3515	148	7	are	be	AUX
hassl-3515	148	8	classified	classify	VERB
hassl-3515	148	9	into	into	ADP
hassl-3515	148	10	four	four	NUM
hassl-3515	148	11	topics	topic	NOUN
hassl-3515	148	12	:	:	PUNCT
hassl-3515	148	13	annual	annual	ADJ
hassl-3515	148	14	percentage	percentage	NOUN
hassl-3515	148	15	rates	rate	NOUN
hassl-3515	148	16	(	(	PUNCT
hassl-3515	148	17	apr1	apr1	PROPN
hassl-3515	148	18	,	,	PUNCT
hassl-3515	148	19	apr2	apr2	PROPN
hassl-3515	148	20	,	,	PUNCT
hassl-3515	148	21	apr3	apr3	NOUN
hassl-3515	148	22	,	,	PUNCT
hassl-3515	148	23	and	and	CCONJ
hassl-3515	148	24	apr4	apr4	PROPN
hassl-3515	148	25	)	)	PUNCT
hassl-3515	148	26	,	,	PUNCT
hassl-3515	148	27	penalty	penalty	NOUN
hassl-3515	148	28	annual	annual	ADJ
hassl-3515	148	29	percentage	percentage	NOUN
hassl-3515	148	30	rate	rate	NOUN
hassl-3515	148	31	(	(	PUNCT
hassl-3515	148	32	papr1	papr1	NOUN
hassl-3515	148	33	and	and	CCONJ
hassl-3515	148	34	papr2	papr2	NOUN
hassl-3515	148	35	)	)	PUNCT
hassl-3515	148	36	,	,	PUNCT
hassl-3515	148	37	yearly	yearly	ADJ
hassl-3515	148	38	and	and	CCONJ
hassl-3515	148	39	unpunctual	unpunctual	ADJ
hassl-3515	148	40	fees	fee	NOUN
hassl-3515	148	41	(	(	PUNCT
hassl-3515	148	42	yf1	yf1	PROPN
hassl-3515	148	43	,	,	PUNCT
hassl-3515	148	44	yf2	yf2	NOUN
hassl-3515	148	45	,	,	PUNCT
hassl-3515	148	46	uf1	uf1	PROPN
hassl-3515	148	47	,	,	PUNCT
hassl-3515	148	48	and	and	CCONJ
hassl-3515	148	49	uf2	uf2	NOUN
hassl-3515	148	50	)	)	PUNCT
hassl-3515	148	51	,	,	PUNCT
hassl-3515	148	52	and	and	CCONJ
hassl-3515	148	53	the	the	DET
hassl-3515	148	54	introductory	introductory	ADJ
hassl-3515	148	55	annual	annual	ADJ
hassl-3515	148	56	percentage	percentage	NOUN
hassl-3515	148	57	rate	rate	NOUN
hassl-3515	148	58	(	(	PUNCT
hassl-3515	148	59	iapr1	iapr1	NOUN
hassl-3515	148	60	and	and	CCONJ
hassl-3515	148	61	iapr2	iapr2	PROPN
hassl-3515	148	62	)	)	PUNCT
hassl-3515	148	63	,	,	PUNCT
hassl-3515	148	64	as	as	ADP
hassl-3515	148	65	table	table	NOUN
hassl-3515	148	66	1	1	NUM
hassl-3515	148	67	exhibits	exhibit	NOUN
hassl-3515	148	68	.	.	PUNCT
hassl-3515	149	1	besides	besides	SCONJ
hassl-3515	149	2	,	,	PUNCT
hassl-3515	149	3	six	six	NUM
hassl-3515	149	4	positive	positive	ADJ
hassl-3515	149	5	items	item	NOUN
hassl-3515	149	6	from	from	ADP
hassl-3515	149	7	tangney	tangney	NOUN
hassl-3515	149	8	,	,	PUNCT
hassl-3515	149	9	baumeister	baumeister	ADV
hassl-3515	149	10	,	,	PUNCT
hassl-3515	149	11	and	and	CCONJ
hassl-3515	149	12	boone	boone	PROPN
hassl-3515	149	13	(	(	PUNCT
hassl-3515	149	14	2004	2004	NUM
hassl-3515	149	15	)	)	PUNCT
hassl-3515	149	16	exist	exist	VERB
hassl-3515	149	17	to	to	PART
hassl-3515	149	18	measure	measure	VERB
hassl-3515	149	19	self	self	NOUN
hassl-3515	149	20	-	-	PUNCT
hassl-3515	149	21	control	control	NOUN
hassl-3515	149	22	.	.	PUNCT
hassl-3515	150	1	the	the	DET
hassl-3515	150	2	intended	intend	VERB
hassl-3515	150	3	items	item	NOUN
hassl-3515	150	4	are	be	AUX
hassl-3515	150	5	:	:	PUNCT
hassl-3515	150	6	lousy	lousy	ADJ
hassl-3515	150	7	matters	matter	NOUN
hassl-3515	150	8	can	can	AUX
hassl-3515	150	9	not	not	PART
hassl-3515	150	10	affect	affect	VERB
hassl-3515	150	11	me	i	PRON
hassl-3515	150	12	easily	easily	ADV
hassl-3515	150	13	(	(	PUNCT
hassl-3515	150	14	sc1	sc1	PROPN
hassl-3515	150	15	)	)	PUNCT
hassl-3515	150	16	;	;	PUNCT
hassl-3515	150	17	i	i	PRON
hassl-3515	150	18	do	do	AUX
hassl-3515	150	19	not	not	PART
hassl-3515	150	20	let	let	VERB
hassl-3515	150	21	myself	myself	PRON
hassl-3515	150	22	lose	lose	VERB
hassl-3515	150	23	control	control	NOUN
hassl-3515	150	24	(	(	PUNCT
hassl-3515	150	25	sc2	sc2	PROPN
hassl-3515	150	26	)	)	PUNCT
hassl-3515	150	27	;	;	PUNCT
hassl-3515	150	28	everyone	everyone	PRON
hassl-3515	150	29	counts	count	VERB
hassl-3515	150	30	on	on	ADP
hassl-3515	150	31	my	my	PRON
hassl-3515	150	32	arranged	arranged	ADJ
hassl-3515	150	33	timetable	timetable	NOUN
hassl-3515	150	34	(	(	PUNCT
hassl-3515	150	35	sc3	sc3	PROPN
hassl-3515	150	36	)	)	PUNCT
hassl-3515	150	37	;	;	PUNCT
hassl-3515	150	38	i	i	PRON
hassl-3515	150	39	am	be	AUX
hassl-3515	150	40	not	not	PART
hassl-3515	150	41	influenced	influence	VERB
hassl-3515	150	42	by	by	ADP
hassl-3515	150	43	bad	bad	ADJ
hassl-3515	150	44	things	thing	NOUN
hassl-3515	150	45	(	(	PUNCT
hassl-3515	150	46	sc4	sc4	NOUN
hassl-3515	150	47	)	)	PUNCT
hassl-3515	150	48	;	;	PUNCT
hassl-3515	150	49	i	i	PRON
hassl-3515	150	50	deserve	deserve	VERB
hassl-3515	150	51	to	to	PART
hassl-3515	150	52	be	be	AUX
hassl-3515	150	53	trusted	trust	VERB
hassl-3515	150	54	(	(	PUNCT
hassl-3515	150	55	sc5	sc5	PROPN
hassl-3515	150	56	)	)	PUNCT
hassl-3515	150	57	;	;	PUNCT
hassl-3515	150	58	and	and	CCONJ
hassl-3515	150	59	i	i	PRON
hassl-3515	150	60	like	like	VERB
hassl-3515	150	61	regular	regular	ADJ
hassl-3515	150	62	life	life	NOUN
hassl-3515	150	63	(	(	PUNCT
hassl-3515	150	64	sc6	sc6	NOUN
hassl-3515	150	65	)	)	PUNCT
hassl-3515	150	66	.	.	PUNCT
hassl-3515	151	1	additionally	additionally	ADV
hassl-3515	151	2	,	,	PUNCT
hassl-3515	151	3	self	self	NOUN
hassl-3515	151	4	-	-	PUNCT
hassl-3515	151	5	esteem	esteem	NOUN
hassl-3515	151	6	is	be	AUX
hassl-3515	151	7	measured	measure	VERB
hassl-3515	151	8	by	by	ADP
hassl-3515	151	9	the	the	DET
hassl-3515	151	10	ten	ten	NUM
hassl-3515	151	11	items	item	NOUN
hassl-3515	151	12	from	from	ADP
hassl-3515	151	13	rosenberg	rosenberg	PROPN
hassl-3515	151	14	(	(	PUNCT
hassl-3515	151	15	1965	1965	NUM
hassl-3515	151	16	)	)	PUNCT
hassl-3515	151	17	.	.	PUNCT
hassl-3515	152	1	they	they	PRON
hassl-3515	152	2	are	be	AUX
hassl-3515	152	3	:	:	PUNCT
hassl-3515	152	4	i	i	PRON
hassl-3515	152	5	am	be	AUX
hassl-3515	152	6	content	content	ADJ
hassl-3515	152	7	with	with	ADP
hassl-3515	152	8	myself	myself	PRON
hassl-3515	152	9	(	(	PUNCT
hassl-3515	152	10	se1	se1	PROPN
hassl-3515	152	11	)	)	PUNCT
hassl-3515	152	12	,	,	PUNCT
hassl-3515	152	13	i	i	PRON
hassl-3515	152	14	do	do	VERB
hassl-3515	152	15	all	all	PRON
hassl-3515	152	16	of	of	ADP
hassl-3515	152	17	the	the	DET
hassl-3515	152	18	kindness	kindness	NOUN
hassl-3515	152	19	in	in	ADP
hassl-3515	152	20	my	my	PRON
hassl-3515	152	21	life	life	NOUN
hassl-3515	152	22	(	(	PUNCT
hassl-3515	152	23	se2	se2	PROPN
hassl-3515	152	24	)	)	PUNCT
hassl-3515	152	25	,	,	PUNCT
hassl-3515	152	26	i	i	PRON
hassl-3515	152	27	have	have	VERB
hassl-3515	152	28	some	some	DET
hassl-3515	152	29	qualified	qualified	ADJ
hassl-3515	152	30	things	thing	NOUN
hassl-3515	152	31	(	(	PUNCT
hassl-3515	152	32	s3	s3	PROPN
hassl-3515	152	33	)	)	PUNCT
hassl-3515	152	34	,	,	PUNCT
hassl-3515	152	35	i	i	PRON
hassl-3515	152	36	can	can	AUX
hassl-3515	152	37	do	do	VERB
hassl-3515	152	38	everything	everything	PRON
hassl-3515	152	39	well	well	ADV
hassl-3515	152	40	as	as	ADP
hassl-3515	152	41	the	the	DET
hassl-3515	152	42	other	other	ADJ
hassl-3515	152	43	persons	person	NOUN
hassl-3515	152	44	do	do	VERB
hassl-3515	152	45	(	(	PUNCT
hassl-3515	152	46	se4	se4	NOUN
hassl-3515	152	47	)	)	PUNCT
hassl-3515	152	48	,	,	PUNCT
hassl-3515	152	49	i	i	PRON
hassl-3515	152	50	am	be	AUX
hassl-3515	152	51	proud	proud	ADJ
hassl-3515	152	52	of	of	ADP
hassl-3515	152	53	myself	myself	PRON
hassl-3515	152	54	in	in	ADP
hassl-3515	152	55	all	all	DET
hassl-3515	152	56	aspects	aspect	NOUN
hassl-3515	152	57	(	(	PUNCT
hassl-3515	152	58	se5	se5	NOUN
hassl-3515	152	59	)	)	PUNCT
hassl-3515	152	60	,	,	PUNCT
hassl-3515	152	61	i	i	PRON
hassl-3515	152	62	am	be	AUX
hassl-3515	152	63	always	always	ADV
hassl-3515	152	64	helpful	helpful	ADJ
hassl-3515	152	65	all	all	DET
hassl-3515	152	66	the	the	DET
hassl-3515	152	67	time	time	NOUN
hassl-3515	152	68	(	(	PUNCT
hassl-3515	152	69	se6	se6	NOUN
hassl-3515	152	70	)	)	PUNCT
hassl-3515	152	71	,	,	PUNCT
hassl-3515	152	72	i	i	PRON
hassl-3515	152	73	am	be	AUX
hassl-3515	152	74	valuable	valuable	ADJ
hassl-3515	152	75	at	at	ADP
hassl-3515	152	76	least	least	ADJ
hassl-3515	152	77	equal	equal	ADJ
hassl-3515	152	78	to	to	ADP
hassl-3515	152	79	others	other	NOUN
hassl-3515	152	80	(	(	PUNCT
hassl-3515	152	81	se7	se7	NOUN
hassl-3515	152	82	)	)	PUNCT
hassl-3515	152	83	,	,	PUNCT
hassl-3515	152	84	i	i	PRON
hassl-3515	152	85	can	can	AUX
hassl-3515	152	86	appreciate	appreciate	VERB
hassl-3515	152	87	myself	myself	PRON
hassl-3515	152	88	(	(	PUNCT
hassl-3515	152	89	se8	se8	PROPN
hassl-3515	152	90	)	)	PUNCT
hassl-3515	152	91	,	,	PUNCT
hassl-3515	152	92	i	i	PRON
hassl-3515	152	93	am	be	AUX
hassl-3515	152	94	generally	generally	ADV
hassl-3515	152	95	successful	successful	ADJ
hassl-3515	152	96	person	person	NOUN
hassl-3515	152	97	(	(	PUNCT
hassl-3515	152	98	se9	se9	NOUN
hassl-3515	152	99	)	)	PUNCT
hassl-3515	152	100	,	,	PUNCT
hassl-3515	152	101	and	and	CCONJ
hassl-3515	152	102	i	i	PRON
hassl-3515	152	103	can	can	AUX
hassl-3515	152	104	respond	respond	VERB
hassl-3515	152	105	to	to	ADP
hassl-3515	152	106	myself	myself	PRON
hassl-3515	152	107	positively	positively	ADV
hassl-3515	152	108	(	(	PUNCT
hassl-3515	152	109	se10	se10	PROPN
hassl-3515	152	110	)	)	PUNCT
hassl-3515	152	111	.	.	PUNCT
hassl-3515	153	1	following	follow	VERB
hassl-3515	153	2	robb	robb	NOUN
hassl-3515	153	3	(	(	PUNCT
hassl-3515	153	4	2011	2011	NUM
hassl-3515	153	5	)	)	PUNCT
hassl-3515	153	6	,	,	PUNCT
hassl-3515	153	7	limerick	limerick	PROPN
hassl-3515	153	8	and	and	CCONJ
hassl-3515	153	9	peltier	peltier	NOUN
hassl-3515	153	10	(	(	PUNCT
hassl-3515	153	11	2014	2014	NUM
hassl-3515	153	12	)	)	PUNCT
hassl-3515	153	13	,	,	PUNCT
hassl-3515	153	14	matos	matos	X
hassl-3515	153	15	et	et	PROPN
hassl-3515	153	16	al	al	PROPN
hassl-3515	153	17	.	.	PROPN
hassl-3515	154	1	(	(	PUNCT
hassl-3515	154	2	2019	2019	NUM
hassl-3515	154	3	)	)	PUNCT
hassl-3515	154	4	,	,	PUNCT
hassl-3515	154	5	hernández	hernández	PROPN
hassl-3515	154	6	-	-	PUNCT
hassl-3515	154	7	mejía	mejía	NOUN
hassl-3515	154	8	et	et	PROPN
hassl-3515	154	9	al	al	PROPN
hassl-3515	154	10	.	.	PROPN
hassl-3515	154	11	(	(	PUNCT
hassl-3515	154	12	2021	2021	NUM
hassl-3515	154	13	)	)	PUNCT
hassl-3515	154	14	,	,	PUNCT
hassl-3515	154	15	uddin	uddin	PROPN
hassl-3515	154	16	(	(	PUNCT
hassl-3515	154	17	2021	2021	NUM
hassl-3515	154	18	)	)	PUNCT
hassl-3515	154	19	,	,	PUNCT
hassl-3515	154	20	and	and	CCONJ
hassl-3515	154	21	fernández	fernández	PROPN
hassl-3515	154	22	-	-	PUNCT
hassl-3515	154	23	lópez	lópez	NOUN
hassl-3515	154	24	et	et	PROPN
hassl-3515	154	25	al	al	PROPN
hassl-3515	154	26	.	.	PROPN
hassl-3515	154	27	(	(	PUNCT
hassl-3515	154	28	2023	2023	NUM
hassl-3515	154	29	)	)	PUNCT
hassl-3515	154	30	,	,	PUNCT
hassl-3515	154	31	this	this	DET
hassl-3515	154	32	study	study	NOUN
hassl-3515	154	33	adds	add	VERB
hassl-3515	154	34	gender	gender	NOUN
hassl-3515	154	35	as	as	ADP
hassl-3515	154	36	the	the	DET
hassl-3515	154	37	control	control	NOUN
hassl-3515	154	38	variable	variable	NOUN
hassl-3515	154	39	.	.	PUNCT
hassl-3515	155	1	according	accord	VERB
hassl-3515	155	2	to	to	ADP
hassl-3515	155	3	ghozali	ghozali	PROPN
hassl-3515	155	4	(	(	PUNCT
hassl-3515	155	5	2017	2017	NUM
hassl-3515	155	6	)	)	PUNCT
hassl-3515	155	7	,	,	PUNCT
hassl-3515	155	8	it	it	PRON
hassl-3515	155	9	is	be	AUX
hassl-3515	155	10	classified	classify	VERB
hassl-3515	155	11	as	as	ADP
hassl-3515	155	12	a	a	DET
hassl-3515	155	13	non	non	ADJ
hassl-3515	155	14	-	-	ADJ
hassl-3515	155	15	latent	latent	ADJ
hassl-3515	155	16	variable	variable	NOUN
hassl-3515	155	17	.	.	PUNCT
hassl-3515	156	1	hence	hence	ADV
hassl-3515	156	2	,	,	PUNCT
hassl-3515	156	3	this	this	DET
hassl-3515	156	4	study	study	NOUN
hassl-3515	156	5	uses	use	VERB
hassl-3515	156	6	a	a	DET
hassl-3515	156	7	dummy	dummy	ADJ
hassl-3515	156	8	variable	variable	NOUN
hassl-3515	156	9	,	,	PUNCT
hassl-3515	156	10	where	where	SCONJ
hassl-3515	156	11	one	one	NUM
hassl-3515	156	12	and	and	CCONJ
hassl-3515	156	13	zero	zero	NUM
hassl-3515	156	14	are	be	AUX
hassl-3515	156	15	for	for	ADP
hassl-3515	156	16	the	the	DET
hassl-3515	156	17	female	female	ADJ
hassl-3515	156	18	and	and	CCONJ
hassl-3515	156	19	male	male	ADJ
hassl-3515	156	20	groups	group	NOUN
hassl-3515	156	21	,	,	PUNCT
hassl-3515	156	22	respectively	respectively	ADV
hassl-3515	156	23	as	as	ADP
hassl-3515	156	24	the	the	DET
hassl-3515	156	25	reference	reference	NOUN
hassl-3515	156	26	and	and	CCONJ
hassl-3515	156	27	base	base	NOUN
hassl-3515	156	28	categories	category	NOUN
hassl-3515	156	29	.	.	PUNCT
hassl-3515	157	1	3.2	3.2	NUM
hassl-3515	157	2	.	.	PUNCT
hassl-3515	157	3	population	population	NOUN
hassl-3515	157	4	and	and	CCONJ
hassl-3515	157	5	samples	sample	VERB
hassl-3515	157	6	the	the	DET
hassl-3515	157	7	population	population	NOUN
hassl-3515	157	8	is	be	AUX
hassl-3515	157	9	made	make	VERB
hassl-3515	157	10	up	up	ADP
hassl-3515	157	11	of	of	ADP
hassl-3515	157	12	employees	employee	NOUN
hassl-3515	157	13	working	work	VERB
hassl-3515	157	14	in	in	ADP
hassl-3515	157	15	banks	bank	NOUN
hassl-3515	157	16	in	in	ADP
hassl-3515	157	17	indonesia	indonesia	PROPN
hassl-3515	157	18	.	.	PUNCT
hassl-3515	158	1	moreover	moreover	ADV
hassl-3515	158	2	,	,	PUNCT
hassl-3515	158	3	this	this	DET
hassl-3515	158	4	study	study	NOUN
hassl-3515	158	5	utilizes	utilize	VERB
hassl-3515	158	6	the	the	DET
hassl-3515	158	7	snowball	snowball	ADJ
hassl-3515	158	8	sampling	sample	VERB
hassl-3515	158	9	technique	technique	NOUN
hassl-3515	158	10	.	.	PUNCT
hassl-3515	159	1	according	accord	VERB
hassl-3515	159	2	to	to	ADP
hassl-3515	159	3	hartono	hartono	NOUN
hassl-3515	159	4	(	(	PUNCT
hassl-3515	159	5	2012	2012	NUM
hassl-3515	159	6	)	)	PUNCT
hassl-3515	159	7	,	,	PUNCT
hassl-3515	159	8	with	with	ADP
hassl-3515	159	9	this	this	DET
hassl-3515	159	10	technique	technique	NOUN
hassl-3515	159	11	,	,	PUNCT
hassl-3515	159	12	the	the	DET
hassl-3515	159	13	respondents	respondent	NOUN
hassl-3515	159	14	as	as	SCONJ
hassl-3515	159	15	samples	sample	NOUN
hassl-3515	159	16	are	be	AUX
hassl-3515	159	17	collected	collect	VERB
hassl-3515	159	18	based	base	VERB
hassl-3515	159	19	on	on	ADP
hassl-3515	159	20	the	the	DET
hassl-3515	159	21	references	reference	NOUN
hassl-3515	159	22	from	from	ADP
hassl-3515	159	23	the	the	DET
hassl-3515	159	24	network	network	NOUN
hassl-3515	159	25	.	.	PUNCT
hassl-3515	160	1	in	in	ADP
hassl-3515	160	2	this	this	DET
hassl-3515	160	3	study	study	NOUN
hassl-3515	160	4	context	context	NOUN
hassl-3515	160	5	,	,	PUNCT
hassl-3515	160	6	we	we	PRON
hassl-3515	160	7	communicated	communicate	VERB
hassl-3515	160	8	with	with	ADP
hassl-3515	160	9	the	the	DET
hassl-3515	160	10	recognized	recognize	VERB
hassl-3515	160	11	bank	bank	NOUN
hassl-3515	160	12	employees	employee	NOUN
hassl-3515	160	13	and	and	CCONJ
hassl-3515	160	14	asked	ask	VERB
hassl-3515	160	15	them	they	PRON
hassl-3515	160	16	to	to	PART
hassl-3515	160	17	invite	invite	VERB
hassl-3515	160	18	co	co	NOUN
hassl-3515	160	19	-	-	NOUN
hassl-3515	160	20	workers	worker	NOUN
hassl-3515	160	21	,	,	PUNCT
hassl-3515	160	22	supervisors	supervisor	NOUN
hassl-3515	160	23	,	,	PUNCT
hassl-3515	160	24	and	and	CCONJ
hassl-3515	160	25	leaders	leader	NOUN
hassl-3515	160	26	to	to	PART
hassl-3515	160	27	join	join	VERB
hassl-3515	160	28	this	this	DET
hassl-3515	160	29	research	research	NOUN
hassl-3515	160	30	.	.	PUNCT
hassl-3515	161	1	based	base	VERB
hassl-3515	161	2	on	on	ADP
hassl-3515	161	3	this	this	DET
hassl-3515	161	4	action	action	NOUN
hassl-3515	161	5	,	,	PUNCT
hassl-3515	161	6	this	this	DET
hassl-3515	161	7	study	study	NOUN
hassl-3515	161	8	effectively	effectively	ADV
hassl-3515	161	9	used	use	VERB
hassl-3515	161	10	120	120	NUM
hassl-3515	161	11	respondents	respondent	NOUN
hassl-3515	161	12	as	as	ADP
hassl-3515	161	13	the	the	DET
hassl-3515	161	14	sample	sample	NOUN
hassl-3515	161	15	.	.	PUNCT
hassl-3515	162	1	3.3	3.3	NUM
hassl-3515	162	2	.	.	PUNCT
hassl-3515	162	3	technique	technique	NOUN
hassl-3515	162	4	to	to	PART
hassl-3515	162	5	obtain	obtain	VERB
hassl-3515	162	6	the	the	DET
hassl-3515	162	7	data	datum	NOUN
hassl-3515	162	8	the	the	DET
hassl-3515	162	9	data	datum	NOUN
hassl-3515	162	10	were	be	AUX
hassl-3515	162	11	collected	collect	VERB
hassl-3515	162	12	through	through	ADP
hassl-3515	162	13	a	a	DET
hassl-3515	162	14	survey	survey	NOUN
hassl-3515	162	15	.	.	PUNCT
hassl-3515	163	1	moreover	moreover	ADV
hassl-3515	163	2	,	,	PUNCT
hassl-3515	163	3	to	to	PART
hassl-3515	163	4	implement	implement	VERB
hassl-3515	163	5	it	it	PRON
hassl-3515	163	6	,	,	PUNCT
hassl-3515	163	7	this	this	DET
hassl-3515	163	8	study	study	NOUN
hassl-3515	163	9	encompasses	encompass	VERB
hassl-3515	163	10	the	the	DET
hassl-3515	163	11	questionnaire	questionnaire	NOUN
hassl-3515	163	12	sharing	share	VERB
hassl-3515	163	13	with	with	ADP
hassl-3515	163	14	the	the	DET
hassl-3515	163	15	respondents	respondent	NOUN
hassl-3515	163	16	as	as	ADP
hassl-3515	163	17	the	the	DET
hassl-3515	163	18	target	target	NOUN
hassl-3515	163	19	,	,	PUNCT
hassl-3515	163	20	as	as	SCONJ
hassl-3515	163	21	hartono	hartono	X
hassl-3515	163	22	(	(	PUNCT
hassl-3515	163	23	2012	2012	NUM
hassl-3515	163	24	)	)	PUNCT
hassl-3515	163	25	suggests	suggest	VERB
hassl-3515	163	26	.	.	PUNCT
hassl-3515	164	1	mentioning	mention	VERB
hassl-3515	164	2	hartono	hartono	NOUN
hassl-3515	164	3	(	(	PUNCT
hassl-3515	164	4	2012	2012	NUM
hassl-3515	164	5	)	)	PUNCT
hassl-3515	164	6	,	,	PUNCT
hassl-3515	164	7	the	the	DET
hassl-3515	164	8	likert	likert	ADJ
hassl-3515	164	9	scale	scale	NOUN
hassl-3515	164	10	based	base	VERB
hassl-3515	164	11	on	on	ADP
hassl-3515	164	12	five	five	NUM
hassl-3515	164	13	points	point	NOUN
hassl-3515	164	14	measures	measure	NOUN
hassl-3515	164	15	credit	credit	NOUN
hassl-3515	164	16	card	card	NOUN
hassl-3515	164	17	utilization	utilization	NOUN
hassl-3515	164	18	,	,	PUNCT
hassl-3515	164	19	self	self	NOUN
hassl-3515	164	20	-	-	PUNCT
hassl-3515	164	21	control	control	NOUN
hassl-3515	164	22	,	,	PUNCT
hassl-3515	164	23	and	and	CCONJ
hassl-3515	164	24	self	self	NOUN
hassl-3515	164	25	-	-	PUNCT
hassl-3515	164	26	esteem	esteem	NOUN
hassl-3515	164	27	,	,	PUNCT
hassl-3515	164	28	starting	start	VERB
hassl-3515	164	29	from	from	ADP
hassl-3515	164	30	one	one	NUM
hassl-3515	164	31	to	to	ADP
hassl-3515	164	32	five	five	NUM
hassl-3515	164	33	to	to	PART
hassl-3515	164	34	express	express	VERB
hassl-3515	164	35	disagreement	disagreement	NOUN
hassl-3515	164	36	and	and	CCONJ
hassl-3515	164	37	agreement	agreement	NOUN
hassl-3515	164	38	.	.	PUNCT
hassl-3515	165	1	3.4	3.4	NUM
hassl-3515	165	2	.	.	PUNCT
hassl-3515	165	3	model	model	NOUN
hassl-3515	165	4	for	for	ADP
hassl-3515	165	5	analyzing	analyze	VERB
hassl-3515	165	6	the	the	DET
hassl-3515	165	7	data	datum	NOUN
hassl-3515	165	8	in	in	ADP
hassl-3515	165	9	this	this	DET
hassl-3515	165	10	investigation	investigation	NOUN
hassl-3515	165	11	,	,	PUNCT
hassl-3515	165	12	the	the	DET
hassl-3515	165	13	structural	structural	ADJ
hassl-3515	165	14	equation	equation	NOUN
hassl-3515	165	15	model	model	NOUN
hassl-3515	165	16	is	be	AUX
hassl-3515	165	17	based	base	VERB
hassl-3515	165	18	on	on	ADP
hassl-3515	165	19	covariance	covariance	NOUN
hassl-3515	165	20	functions	function	NOUN
hassl-3515	165	21	to	to	PART
hassl-3515	165	22	analyze	analyze	VERB
hassl-3515	165	23	the	the	DET
hassl-3515	165	24	data	datum	NOUN
hassl-3515	165	25	.	.	PUNCT
hassl-3515	166	1	in	in	ADP
hassl-3515	166	2	this	this	DET
hassl-3515	166	3	research	research	NOUN
hassl-3515	166	4	context	context	NOUN
hassl-3515	166	5	,	,	PUNCT
hassl-3515	166	6	the	the	DET
hassl-3515	166	7	model	model	NOUN
hassl-3515	166	8	intended	intend	VERB
hassl-3515	166	9	can	can	AUX
hassl-3515	166	10	be	be	AUX
hassl-3515	166	11	obtained	obtain	VERB
hassl-3515	166	12	from	from	ADP
hassl-3515	166	13	equation	equation	NOUN
hassl-3515	166	14	1	1	NUM
hassl-3515	166	15	.	.	PUNCT
hassl-3515	167	1	ccu	ccu	PROPN
hassl-3515	167	2	=	=	SYM
hassl-3515	167	3	β0	β0	PROPN
hassl-3515	167	4	+	+	PROPN
hassl-3515	167	5	β1fl	β1fl	PUNCT
hassl-3515	167	6	+	+	CCONJ
hassl-3515	167	7	β2sc	β2sc	PUNCT
hassl-3515	168	1	+	+	CCONJ
hassl-3515	168	2	β3se	β3se	PUNCT
hassl-3515	169	1	+	+	X
hassl-3515	169	2	β4gender	β4gender	NOUN
hassl-3515	169	3	+	+	CCONJ
hassl-3515	169	4	ζ1	ζ1	NOUN
hassl-3515	169	5	(	(	PUNCT
hassl-3515	169	6	1	1	NUM
hassl-3515	169	7	)	)	PUNCT
hassl-3515	169	8	equation	equation	NOUN
hassl-3515	169	9	1	1	NUM
hassl-3515	169	10	is	be	AUX
hassl-3515	169	11	the	the	DET
hassl-3515	169	12	structural	structural	ADJ
hassl-3515	169	13	model	model	NOUN
hassl-3515	169	14	explaining	explain	VERB
hassl-3515	169	15	that	that	SCONJ
hassl-3515	169	16	credit	credit	NOUN
hassl-3515	169	17	card	card	NOUN
hassl-3515	169	18	utilization	utilization	NOUN
hassl-3515	169	19	(	(	PUNCT
hassl-3515	169	20	ccu	ccu	PROPN
hassl-3515	169	21	)	)	PUNCT
hassl-3515	169	22	,	,	PUNCT
hassl-3515	169	23	as	as	ADP
hassl-3515	169	24	the	the	DET
hassl-3515	169	25	dependent	dependent	ADJ
hassl-3515	169	26	,	,	PUNCT
hassl-3515	169	27	is	be	AUX
hassl-3515	169	28	the	the	DET
hassl-3515	169	29	function	function	NOUN
hassl-3515	169	30	of	of	ADP
hassl-3515	169	31	financial	financial	ADJ
hassl-3515	169	32	literacy	literacy	NOUN
hassl-3515	169	33	(	(	PUNCT
hassl-3515	169	34	fl	fl	NOUN
hassl-3515	169	35	)	)	PUNCT
hassl-3515	169	36	,	,	PUNCT
hassl-3515	169	37	self	self	NOUN
hassl-3515	169	38	-	-	PUNCT
hassl-3515	169	39	control	control	NOUN
hassl-3515	169	40	(	(	PUNCT
hassl-3515	169	41	sc	sc	PROPN
hassl-3515	169	42	)	)	PUNCT
hassl-3515	169	43	,	,	PUNCT
hassl-3515	169	44	and	and	CCONJ
hassl-3515	169	45	self	self	NOUN
hassl-3515	169	46	-	-	PUNCT
hassl-3515	169	47	esteem	esteem	NOUN
hassl-3515	169	48	(	(	PUNCT
hassl-3515	169	49	se	se	X
hassl-3515	169	50	)	)	PUNCT
hassl-3515	169	51	as	as	ADP
hassl-3515	169	52	the	the	DET
hassl-3515	169	53	primary	primary	ADJ
hassl-3515	169	54	independent	independent	ADJ
hassl-3515	169	55	variables	variable	NOUN
hassl-3515	169	56	,	,	PUNCT
hassl-3515	169	57	and	and	CCONJ
hassl-3515	169	58	gender	gender	NOUN
hassl-3515	169	59	as	as	ADP
hassl-3515	169	60	the	the	DET
hassl-3515	169	61	control	control	NOUN
hassl-3515	169	62	and	and	CCONJ
hassl-3515	169	63	independent	independent	ADJ
hassl-3515	169	64	variable	variable	NOUN
hassl-3515	169	65	.	.	PUNCT
hassl-3515	170	1	as	as	ADP
hassl-3515	170	2	the	the	DET
hassl-3515	170	3	initial	initial	ADJ
hassl-3515	170	4	step	step	NOUN
hassl-3515	170	5	,	,	PUNCT
hassl-3515	170	6	the	the	DET
hassl-3515	170	7	examination	examination	NOUN
hassl-3515	170	8	of	of	ADP
hassl-3515	170	9	validity	validity	NOUN
hassl-3515	170	10	and	and	CCONJ
hassl-3515	170	11	reliability	reliability	NOUN
hassl-3515	170	12	is	be	AUX
hassl-3515	170	13	needed	need	VERB
hassl-3515	170	14	for	for	ADP
hassl-3515	170	15	the	the	DET
hassl-3515	170	16	latent	latent	NOUN
hassl-3515	170	17	variables	variable	NOUN
hassl-3515	170	18	:	:	PUNCT
hassl-3515	170	19	ccu	ccu	PROPN
hassl-3515	170	20	,	,	PUNCT
hassl-3515	170	21	sc	sc	PROPN
hassl-3515	170	22	,	,	PUNCT
hassl-3515	170	23	and	and	CCONJ
hassl-3515	170	24	se	se	X
hassl-3515	170	25	.	.	PUNCT
hassl-3515	171	1	furthermore	furthermore	ADV
hassl-3515	171	2	,	,	PUNCT
hassl-3515	171	3	the	the	DET
hassl-3515	171	4	answer	answer	NOUN
hassl-3515	171	5	is	be	AUX
hassl-3515	171	6	verified	verify	VERB
hassl-3515	171	7	by	by	ADP
hassl-3515	171	8	confirmatory	confirmatory	ADJ
hassl-3515	171	9	factor	factor	NOUN
hassl-3515	171	10	analysis	analysis	NOUN
hassl-3515	171	11	,	,	PUNCT
hassl-3515	171	12	resulting	result	VERB
hassl-3515	171	13	in	in	ADP
hassl-3515	171	14	a	a	DET
hassl-3515	171	15	loading	loading	NOUN
hassl-3515	171	16	factor	factor	NOUN
hassl-3515	171	17	(	(	PUNCT
hassl-3515	171	18	lf	lf	NOUN
hassl-3515	171	19	)	)	PUNCT
hassl-3515	171	20	and	and	CCONJ
hassl-3515	171	21	an	an	DET
hassl-3515	171	22	average	average	ADJ
hassl-3515	171	23	variance	variance	NOUN
hassl-3515	171	24	extracted	extract	VERB
hassl-3515	171	25	(	(	PUNCT
hassl-3515	171	26	ave	ave	PROPN
hassl-3515	171	27	)	)	PUNCT
hassl-3515	171	28	.	.	PUNCT
hassl-3515	172	1	this	this	DET
hassl-3515	172	2	confluent	confluent	ADJ
hassl-3515	172	3	validity	validity	NOUN
hassl-3515	172	4	test	test	NOUN
hassl-3515	172	5	is	be	AUX
hassl-3515	172	6	reachable	reachable	ADJ
hassl-3515	172	7	if	if	SCONJ
hassl-3515	172	8	each	each	DET
hassl-3515	172	9	value	value	NOUN
hassl-3515	172	10	is	be	AUX
hassl-3515	172	11	higher	high	ADJ
hassl-3515	172	12	than	than	ADP
hassl-3515	172	13	0.5	0.5	NUM
hassl-3515	172	14	for	for	ADP
hassl-3515	172	15	lf	lf	NOUN
hassl-3515	172	16	and	and	CCONJ
hassl-3515	172	17	ave	ave	PROPN
hassl-3515	172	18	,	,	PUNCT
hassl-3515	172	19	respectively	respectively	ADV
hassl-3515	172	20	.	.	PUNCT
hassl-3515	173	1	the	the	DET
hassl-3515	173	2	reliable	reliable	ADJ
hassl-3515	173	3	response	response	NOUN
hassl-3515	173	4	is	be	AUX
hassl-3515	173	5	determined	determine	VERB
hassl-3515	173	6	based	base	VERB
hassl-3515	173	7	on	on	ADP
hassl-3515	173	8	composite	composite	ADJ
hassl-3515	173	9	reliability	reliability	NOUN
hassl-3515	173	10	and	and	CCONJ
hassl-3515	173	11	cronbach	cronbach	VERB
hassl-3515	173	12	alpha	alpha	NOUN
hassl-3515	173	13	.	.	PUNCT
hassl-3515	174	1	th	th	X
hassl-3515	174	2	e	e	NOUN
hassl-3515	174	3	answer	answer	NOUN
hassl-3515	174	4	passes	pass	VERB
hassl-3515	174	5	this	this	DET
hassl-3515	174	6	reliability	reliability	NOUN
hassl-3515	174	7	detection	detection	NOUN
hassl-3515	174	8	if	if	SCONJ
hassl-3515	174	9	this	this	DET
hassl-3515	174	10	coefficient	coefficient	NOUN
hassl-3515	174	11	is	be	AUX
hassl-3515	174	12	more	more	ADV
hassl-3515	174	13	significant	significant	ADJ
hassl-3515	174	14	than	than	ADP
hassl-3515	174	15	0.7	0.7	NUM
hassl-3515	174	16	.	.	PUNCT
hassl-3515	175	1	additionally	additionally	ADV
hassl-3515	175	2	,	,	PUNCT
hassl-3515	175	3	to	to	PART
hassl-3515	175	4	equip	equip	VERB
hassl-3515	175	5	the	the	DET
hassl-3515	175	6	humanities	humanity	NOUN
hassl-3515	175	7	and	and	CCONJ
hassl-3515	175	8	social	social	ADJ
hassl-3515	175	9	sciences	science	NOUN
hassl-3515	175	10	letters	letter	NOUN
hassl-3515	175	11	,	,	PUNCT
hassl-3515	175	12	2023	2023	NUM
hassl-3515	175	13	,	,	PUNCT
hassl-3515	175	14	11(3	11(3	NUM
hassl-3515	175	15	):	):	PUNCT
hassl-3515	175	16	349	349	NUM
hassl-3515	175	17	-	-	SYM
hassl-3515	175	18	361	361	NUM
hassl-3515	175	19	354	354	NUM
hassl-3515	175	20	©	©	PROPN
hassl-3515	175	21	2023	2023	NUM
hassl-3515	175	22	conscientia	conscientia	PROPN
hassl-3515	175	23	beam	beam	PROPN
hassl-3515	175	24	.	.	PUNCT
hassl-3515	176	1	all	all	DET
hassl-3515	176	2	rights	right	NOUN
hassl-3515	176	3	reserved	reserve	VERB
hassl-3515	176	4	.	.	PUNCT
hassl-3515	177	1	testing	testing	NOUN
hassl-3515	177	2	result	result	NOUN
hassl-3515	177	3	with	with	ADP
hassl-3515	177	4	confluent	confluent	ADJ
hassl-3515	177	5	validity	validity	NOUN
hassl-3515	177	6	,	,	PUNCT
hassl-3515	177	7	this	this	DET
hassl-3515	177	8	study	study	NOUN
hassl-3515	177	9	employs	employ	VERB
hassl-3515	177	10	discriminant	discriminant	ADJ
hassl-3515	177	11	accuracy	accuracy	NOUN
hassl-3515	177	12	by	by	ADP
hassl-3515	177	13	comparing	compare	VERB
hassl-3515	177	14	the	the	DET
hassl-3515	177	15	ave	ave	PROPN
hassl-3515	177	16	square	square	PROPN
hassl-3515	177	17	root	root	NOUN
hassl-3515	177	18	with	with	ADP
hassl-3515	177	19	the	the	DET
hassl-3515	177	20	correlation	correlation	NOUN
hassl-3515	177	21	among	among	ADP
hassl-3515	177	22	the	the	DET
hassl-3515	177	23	latent	latent	NOUN
hassl-3515	177	24	variables	variable	NOUN
hassl-3515	177	25	(	(	PUNCT
hassl-3515	177	26	ghozali	ghozali	ADJ
hassl-3515	177	27	,	,	PUNCT
hassl-3515	177	28	2017	2017	NUM
hassl-3515	177	29	)	)	PUNCT
hassl-3515	177	30	.	.	PUNCT
hassl-3515	178	1	then	then	ADV
hassl-3515	178	2	,	,	PUNCT
hassl-3515	178	3	the	the	DET
hassl-3515	178	4	best	well	ADV
hassl-3515	178	5	-	-	PUNCT
hassl-3515	178	6	fit	fit	ADJ
hassl-3515	178	7	goodness	goodness	NOUN
hassl-3515	178	8	model	model	NOUN
hassl-3515	178	9	must	must	AUX
hassl-3515	178	10	exist	exist	VERB
hassl-3515	178	11	;	;	PUNCT
hassl-3515	178	12	therefore	therefore	ADV
hassl-3515	178	13	,	,	PUNCT
hassl-3515	178	14	the	the	DET
hassl-3515	178	15	research	research	NOUN
hassl-3515	178	16	activates	activate	VERB
hassl-3515	178	17	the	the	DET
hassl-3515	178	18	modification	modification	NOUN
hassl-3515	178	19	index	index	NOUN
hassl-3515	178	20	.	.	PUNCT
hassl-3515	179	1	the	the	DET
hassl-3515	179	2	next	next	ADJ
hassl-3515	179	3	step	step	NOUN
hassl-3515	179	4	is	be	AUX
hassl-3515	179	5	to	to	PART
hassl-3515	179	6	find	find	VERB
hassl-3515	179	7	out	out	ADP
hassl-3515	179	8	how	how	SCONJ
hassl-3515	179	9	well	well	ADV
hassl-3515	179	10	the	the	DET
hassl-3515	179	11	model	model	NOUN
hassl-3515	179	12	fits	fit	VERB
hassl-3515	179	13	by	by	ADP
hassl-3515	179	14	several	several	ADJ
hassl-3515	179	15	tools	tool	NOUN
hassl-3515	179	16	,	,	PUNCT
hassl-3515	179	17	as	as	ADP
hassl-3515	179	18	as	as	ADP
hassl-3515	179	19	chi	chi	NOUN
hassl-3515	179	20	-	-	PUNCT
hassl-3515	179	21	square	square	NOUN
hassl-3515	179	22	divided	divide	VERB
hassl-3515	179	23	by	by	ADP
hassl-3515	179	24	the	the	DET
hassl-3515	179	25	degree	degree	NOUN
hassl-3515	179	26	of	of	ADP
hassl-3515	179	27	freedom	freedom	NOUN
hassl-3515	179	28	(	(	PUNCT
hassl-3515	179	29	cmin	cmin	NOUN
hassl-3515	179	30	/	/	SYM
hassl-3515	179	31	df	df	PROPN
hassl-3515	179	32	)	)	PUNCT
hassl-3515	179	33	,	,	PUNCT
hassl-3515	179	34	tucker	tucker	PROPN
hassl-3515	179	35	lewis	lewis	PROPN
hassl-3515	179	36	index	index	PROPN
hassl-3515	179	37	(	(	PUNCT
hassl-3515	179	38	tli	tli	NOUN
hassl-3515	179	39	)	)	PUNCT
hassl-3515	179	40	,	,	PUNCT
hassl-3515	179	41	comparative	comparative	ADJ
hassl-3515	179	42	fit	fit	ADJ
hassl-3515	179	43	index	index	NOUN
hassl-3515	179	44	(	(	PUNCT
hassl-3515	179	45	cfi	cfi	NOUN
hassl-3515	179	46	)	)	PUNCT
hassl-3515	179	47	(	(	PUNCT
hassl-3515	179	48	ghozali	ghozali	PROPN
hassl-3515	179	49	,	,	PUNCT
hassl-3515	179	50	2017	2017	NUM
hassl-3515	179	51	)	)	PUNCT
hassl-3515	179	52	,	,	PUNCT
hassl-3515	179	53	parsimony	parsimony	NOUN
hassl-3515	179	54	goodness	goodness	NOUN
hassl-3515	179	55	of	of	ADP
hassl-3515	179	56	fit	fit	ADJ
hassl-3515	179	57	index	index	NOUN
hassl-3515	179	58	(	(	PUNCT
hassl-3515	179	59	pgfi	pgfi	NOUN
hassl-3515	179	60	)	)	PUNCT
hassl-3515	179	61	,	,	PUNCT
hassl-3515	179	62	parsimony	parsimony	NOUN
hassl-3515	179	63	normal	normal	ADJ
hassl-3515	179	64	fit	fit	ADJ
hassl-3515	179	65	index	index	NOUN
hassl-3515	179	66	(	(	PUNCT
hassl-3515	179	67	pnfi	pnfi	PROPN
hassl-3515	179	68	)	)	PUNCT
hassl-3515	179	69	,	,	PUNCT
hassl-3515	179	70	and	and	CCONJ
hassl-3515	180	1	parsimony	parsimony	NOUN
hassl-3515	180	2	comparative	comparative	ADJ
hassl-3515	180	3	fit	fit	ADJ
hassl-3515	180	4	index	index	NOUN
hassl-3515	180	5	(	(	PUNCT
hassl-3515	180	6	pcfi	pcfi	NOUN
hassl-3515	180	7	)	)	PUNCT
hassl-3515	180	8	(	(	PUNCT
hassl-3515	180	9	dash	dash	NOUN
hassl-3515	180	10	&	&	CCONJ
hassl-3515	180	11	paul	paul	PROPN
hassl-3515	180	12	,	,	PUNCT
hassl-3515	180	13	2021	2021	NUM
hassl-3515	180	14	)	)	PUNCT
hassl-3515	180	15	.	.	PUNCT
hassl-3515	181	1	the	the	DET
hassl-3515	181	2	required	require	VERB
hassl-3515	181	3	cmin	cmin	PROPN
hassl-3515	181	4	/	/	SYM
hassl-3515	181	5	df	df	PROPN
hassl-3515	181	6	is	be	AUX
hassl-3515	181	7	between	between	ADP
hassl-3515	181	8	two	two	NUM
hassl-3515	181	9	and	and	CCONJ
hassl-3515	181	10	five	five	NUM
hassl-3515	181	11	.	.	PUNCT
hassl-3515	182	1	for	for	ADP
hassl-3515	182	2	tli	tli	PROPN
hassl-3515	182	3	and	and	CCONJ
hassl-3515	182	4	cfi	cfi	PROPN
hassl-3515	182	5	,	,	PUNCT
hassl-3515	182	6	the	the	DET
hassl-3515	182	7	compulsory	compulsory	ADJ
hassl-3515	182	8	value	value	NOUN
hassl-3515	182	9	is	be	AUX
hassl-3515	182	10	above	above	ADP
hassl-3515	182	11	0.9	0.9	NUM
hassl-3515	182	12	(	(	PUNCT
hassl-3515	182	13	ghozali	ghozali	PROPN
hassl-3515	182	14	,	,	PUNCT
hassl-3515	182	15	2017	2017	NUM
hassl-3515	182	16	)	)	PUNCT
hassl-3515	182	17	.	.	PUNCT
hassl-3515	183	1	meanwhile	meanwhile	ADV
hassl-3515	183	2	,	,	PUNCT
hassl-3515	183	3	acceptable	acceptable	ADJ
hassl-3515	183	4	pgfi	pgfi	NOUN
hassl-3515	183	5	,	,	PUNCT
hassl-3515	183	6	pnfi	pnfi	NOUN
hassl-3515	183	7	,	,	PUNCT
hassl-3515	183	8	and	and	CCONJ
hassl-3515	183	9	pcfi	pcfi	NOUN
hassl-3515	183	10	happen	happen	VERB
hassl-3515	183	11	if	if	SCONJ
hassl-3515	183	12	they	they	PRON
hassl-3515	183	13	are	be	AUX
hassl-3515	183	14	more	more	ADV
hassl-3515	183	15	significant	significant	ADJ
hassl-3515	183	16	than	than	ADP
hassl-3515	183	17	0.5	0.5	NUM
hassl-3515	183	18	(	(	PUNCT
hassl-3515	183	19	dash	dash	NOUN
hassl-3515	183	20	&	&	CCONJ
hassl-3515	183	21	paul	paul	PROPN
hassl-3515	183	22	,	,	PUNCT
hassl-3515	183	23	2021	2021	NUM
hassl-3515	183	24	)	)	PUNCT
hassl-3515	183	25	.	.	PUNCT
hassl-3515	184	1	finally	finally	ADV
hassl-3515	184	2	,	,	PUNCT
hassl-3515	184	3	after	after	ADP
hassl-3515	184	4	meeting	meet	VERB
hassl-3515	184	5	the	the	DET
hassl-3515	184	6	goodness	goodness	NOUN
hassl-3515	184	7	of	of	ADP
hassl-3515	184	8	fit	fit	ADJ
hassl-3515	184	9	criteria	criterion	NOUN
hassl-3515	184	10	,	,	PUNCT
hassl-3515	184	11	the	the	DET
hassl-3515	184	12	subsequent	subsequent	ADJ
hassl-3515	184	13	step	step	NOUN
hassl-3515	184	14	is	be	AUX
hassl-3515	184	15	hypothesis	hypothesis	NOUN
hassl-3515	184	16	examination	examination	NOUN
hassl-3515	184	17	,	,	PUNCT
hassl-3515	184	18	comparing	compare	VERB
hassl-3515	184	19	the	the	DET
hassl-3515	184	20	probability	probability	NOUN
hassl-3515	184	21	(	(	PUNCT
hassl-3515	184	22	1	1	NUM
hassl-3515	184	23	-	-	PUNCT
hassl-3515	184	24	tailed	tail	VERB
hassl-3515	184	25	)	)	PUNCT
hassl-3515	184	26	of	of	ADP
hassl-3515	184	27	the	the	DET
hassl-3515	184	28	critical	critical	ADJ
hassl-3515	184	29	ratio	ratio	NOUN
hassl-3515	184	30	for	for	ADP
hassl-3515	184	31	coefficients	coefficient	NOUN
hassl-3515	184	32	with	with	ADP
hassl-3515	184	33	a	a	DET
hassl-3515	184	34	5	5	NUM
hassl-3515	184	35	%	%	NOUN
hassl-3515	184	36	significance	significance	NOUN
hassl-3515	184	37	level	level	NOUN
hassl-3515	184	38	.	.	PUNCT
hassl-3515	185	1	this	this	DET
hassl-3515	185	2	research	research	NOUN
hassl-3515	185	3	hypothesis	hypothesis	NOUN
hassl-3515	185	4	is	be	AUX
hassl-3515	185	5	agreeable	agreeable	ADJ
hassl-3515	185	6	if	if	SCONJ
hassl-3515	185	7	this	this	DET
hassl-3515	185	8	probability	probability	NOUN
hassl-3515	185	9	is	be	AUX
hassl-3515	185	10	less	less	ADJ
hassl-3515	185	11	than	than	ADP
hassl-3515	185	12	5	5	NUM
hassl-3515	185	13	%	%	NOUN
hassl-3515	185	14	(	(	PUNCT
hassl-3515	185	15	ghozali	ghozali	PROPN
hassl-3515	185	16	,	,	PUNCT
hassl-3515	185	17	2017	2017	NUM
hassl-3515	185	18	)	)	PUNCT
hassl-3515	185	19	.	.	PUNCT
hassl-3515	186	1	4	4	X
hassl-3515	186	2	.	.	X
hassl-3515	186	3	result	result	VERB
hassl-3515	186	4	4.1	4.1	NUM
hassl-3515	186	5	.	.	PUNCT
hassl-3515	187	1	employee	employee	NOUN
hassl-3515	187	2	profiles	profile	NOUN
hassl-3515	187	3	after	after	ADP
hassl-3515	187	4	distributing	distribute	VERB
hassl-3515	187	5	the	the	DET
hassl-3515	187	6	questionnaire	questionnaire	NOUN
hassl-3515	187	7	between	between	ADP
hassl-3515	187	8	june	june	PROPN
hassl-3515	187	9	2022	2022	NUM
hassl-3515	187	10	and	and	CCONJ
hassl-3515	187	11	january	january	PROPN
hassl-3515	187	12	2023	2023	NUM
hassl-3515	187	13	,	,	PUNCT
hassl-3515	187	14	this	this	DET
hassl-3515	187	15	study	study	NOUN
hassl-3515	187	16	successfully	successfully	ADV
hassl-3515	187	17	collected	collect	VERB
hassl-3515	187	18	120	120	NUM
hassl-3515	187	19	employees	employee	NOUN
hassl-3515	187	20	working	work	VERB
hassl-3515	187	21	in	in	ADP
hassl-3515	187	22	banks	bank	NOUN
hassl-3515	187	23	as	as	ADP
hassl-3515	187	24	samples	sample	NOUN
hassl-3515	187	25	.	.	PUNCT
hassl-3515	188	1	furthermore	furthermore	ADV
hassl-3515	188	2	,	,	PUNCT
hassl-3515	188	3	they	they	PRON
hassl-3515	188	4	are	be	AUX
hassl-3515	188	5	classified	classify	VERB
hassl-3515	188	6	by	by	ADP
hassl-3515	188	7	gender	gender	NOUN
hassl-3515	188	8	,	,	PUNCT
hassl-3515	188	9	age	age	NOUN
hassl-3515	188	10	,	,	PUNCT
hassl-3515	188	11	bank	bank	NOUN
hassl-3515	188	12	name	name	NOUN
hassl-3515	188	13	,	,	PUNCT
hassl-3515	188	14	working	working	NOUN
hassl-3515	188	15	duration	duration	NOUN
hassl-3515	188	16	,	,	PUNCT
hassl-3515	188	17	working	working	NOUN
hassl-3515	188	18	position	position	NOUN
hassl-3515	188	19	,	,	PUNCT
hassl-3515	188	20	and	and	CCONJ
hassl-3515	188	21	location	location	NOUN
hassl-3515	188	22	,	,	PUNCT
hassl-3515	188	23	as	as	SCONJ
hassl-3515	188	24	exhibited	exhibit	VERB
hassl-3515	188	25	in	in	ADP
hassl-3515	188	26	table	table	NOUN
hassl-3515	188	27	2	2	NUM
hassl-3515	188	28	.	.	PUNCT
hassl-3515	188	29	table	table	NOUN
hassl-3515	188	30	2	2	NUM
hassl-3515	188	31	.	.	PUNCT
hassl-3515	188	32	employee	employee	NOUN
hassl-3515	188	33	profiles	profile	NOUN
hassl-3515	188	34	.	.	PUNCT
hassl-3515	189	1	profile	profile	VERB
hassl-3515	189	2	description	description	NOUN
hassl-3515	189	3	total	total	NOUN
hassl-3515	189	4	portion	portion	NOUN
hassl-3515	189	5	gender	gender	NOUN
hassl-3515	189	6	male	male	NOUN
hassl-3515	189	7	46	46	NUM
hassl-3515	189	8	38.33	38.33	NUM
hassl-3515	189	9	%	%	NOUN
hassl-3515	189	10	female	female	ADJ
hassl-3515	189	11	74	74	NUM
hassl-3515	189	12	61.66	61.66	NUM
hassl-3515	189	13	%	%	NOUN
hassl-3515	189	14	age	age	NOUN
hassl-3515	189	15	from	from	ADP
hassl-3515	189	16	21	21	NUM
hassl-3515	189	17	to	to	PART
hassl-3515	189	18	30	30	NUM
hassl-3515	189	19	years	year	NOUN
hassl-3515	189	20	old	old	ADJ
hassl-3515	189	21	58	58	NUM
hassl-3515	189	22	48.33	48.33	NUM
hassl-3515	189	23	%	%	NOUN
hassl-3515	189	24	from	from	ADP
hassl-3515	189	25	31	31	NUM
hassl-3515	189	26	to	to	PART
hassl-3515	189	27	40	40	NUM
hassl-3515	189	28	years	year	NOUN
hassl-3515	189	29	old	old	ADJ
hassl-3515	189	30	34	34	NUM
hassl-3515	189	31	28.33	28.33	NUM
hassl-3515	189	32	%	%	NOUN
hassl-3515	189	33	from	from	ADP
hassl-3515	189	34	41	41	NUM
hassl-3515	189	35	to	to	PART
hassl-3515	189	36	50	50	NUM
hassl-3515	189	37	years	year	NOUN
hassl-3515	189	38	old	old	ADJ
hassl-3515	189	39	15	15	NUM
hassl-3515	189	40	12.50	12.50	NUM
hassl-3515	189	41	%	%	NOUN
hassl-3515	189	42	from	from	ADP
hassl-3515	189	43	51	51	NUM
hassl-3515	189	44	to	to	PART
hassl-3515	189	45	55	55	NUM
hassl-3515	189	46	years	year	NOUN
hassl-3515	189	47	old	old	ADJ
hassl-3515	189	48	13	13	NUM
hassl-3515	189	49	10.83	10.83	NUM
hassl-3515	189	50	%	%	NOUN
hassl-3515	189	51	bank	bank	NOUN
hassl-3515	189	52	name	name	PROPN
hassl-3515	189	53	bank	bank	PROPN
hassl-3515	189	54	artha	artha	PROPN
hassl-3515	189	55	graha	graha	PROPN
hassl-3515	189	56	1	1	NUM
hassl-3515	189	57	0.83	0.83	NUM
hassl-3515	189	58	%	%	NOUN
hassl-3515	189	59	bank	bank	PROPN
hassl-3515	189	60	bumi	bumi	PROPN
hassl-3515	189	61	arta	arta	PROPN
hassl-3515	189	62	2	2	NUM
hassl-3515	189	63	1.67	1.67	NUM
hassl-3515	189	64	%	%	NOUN
hassl-3515	189	65	bank	bank	NOUN
hassl-3515	189	66	central	central	PROPN
hassl-3515	189	67	asia	asia	PROPN
hassl-3515	189	68	18	18	NUM
hassl-3515	189	69	15.00	15.00	NUM
hassl-3515	189	70	%	%	NOUN
hassl-3515	189	71	bank	bank	NOUN
hassl-3515	189	72	danamon	danamon	PROPN
hassl-3515	189	73	indonesia	indonesia	PROPN
hassl-3515	189	74	28	28	NUM
hassl-3515	189	75	23.33	23.33	NUM
hassl-3515	189	76	%	%	NOUN
hassl-3515	189	77	bank	bank	NOUN
hassl-3515	189	78	fama	fama	NOUN
hassl-3515	189	79	1	1	NUM
hassl-3515	189	80	0.83	0.83	NUM
hassl-3515	189	81	%	%	NOUN
hassl-3515	189	82	bank	bank	NOUN
hassl-3515	189	83	jateng	jateng	NOUN
hassl-3515	189	84	*	*	PROPN
hassl-3515	189	85	1	1	NUM
hassl-3515	189	86	0.83	0.83	NUM
hassl-3515	189	87	%	%	NOUN
hassl-3515	189	88	bank	bank	NOUN
hassl-3515	189	89	mandiri	mandiri	NOUN
hassl-3515	189	90	(	(	PUNCT
hassl-3515	189	91	persero	persero	NOUN
hassl-3515	189	92	)	)	PUNCT
hassl-3515	189	93	7	7	NUM
hassl-3515	189	94	5.83	5.83	NUM
hassl-3515	189	95	%	%	NOUN
hassl-3515	189	96	bank	bank	NOUN
hassl-3515	189	97	maybank	maybank	PROPN
hassl-3515	189	98	indonesia	indonesia	PROPN
hassl-3515	189	99	3	3	NUM
hassl-3515	189	100	2.50	2.50	NUM
hassl-3515	189	101	%	%	NOUN
hassl-3515	189	102	bank	bank	NOUN
hassl-3515	189	103	negara	negara	PROPN
hassl-3515	189	104	indonesia	indonesia	PROPN
hassl-3515	189	105	4	4	NUM
hassl-3515	189	106	3.33	3.33	NUM
hassl-3515	189	107	%	%	NOUN
hassl-3515	189	108	bank	bank	NOUN
hassl-3515	189	109	neo	neo	NOUN
hassl-3515	189	110	commerce	commerce	PROPN
hassl-3515	189	111	1	1	NUM
hassl-3515	189	112	0.83	0.83	NUM
hassl-3515	189	113	%	%	NOUN
hassl-3515	189	114	bank	bank	NOUN
hassl-3515	189	115	nusa	nusa	PROPN
hassl-3515	189	116	tenggara	tenggara	PROPN
hassl-3515	189	117	timur	timur	X
hassl-3515	189	118	*	*	SYM
hassl-3515	189	119	1	1	NUM
hassl-3515	189	120	0.83	0.83	NUM
hassl-3515	189	121	%	%	NOUN
hassl-3515	189	122	bank	bank	NOUN
hassl-3515	189	123	panin	panin	VERB
hassl-3515	189	124	8	8	NUM
hassl-3515	189	125	6.67	6.67	NUM
hassl-3515	189	126	%	%	NOUN
hassl-3515	189	127	bank	bank	NOUN
hassl-3515	189	128	permata	permata	VERB
hassl-3515	189	129	3	3	NUM
hassl-3515	189	130	2.50	2.50	NUM
hassl-3515	189	131	%	%	NOUN
hassl-3515	189	132	bank	bank	NOUN
hassl-3515	189	133	rakyat	rakyat	X
hassl-3515	189	134	indonesia	indonesia	PROPN
hassl-3515	189	135	1	1	NUM
hassl-3515	189	136	0.83	0.83	NUM
hassl-3515	189	137	%	%	NOUN
hassl-3515	189	138	bank	bank	PROPN
hassl-3515	189	139	raya	raya	PROPN
hassl-3515	189	140	indonesia	indonesia	PROPN
hassl-3515	189	141	2	2	NUM
hassl-3515	189	142	1.67	1.67	NUM
hassl-3515	189	143	%	%	NOUN
hassl-3515	189	144	bank	bank	NOUN
hassl-3515	189	145	sinarmas	sinarma	VERB
hassl-3515	189	146	1	1	NUM
hassl-3515	189	147	0.83	0.83	NUM
hassl-3515	189	148	%	%	NOUN
hassl-3515	189	149	bank	bank	NOUN
hassl-3515	189	150	tabungan	tabungan	VERB
hassl-3515	189	151	negara	negara	PROPN
hassl-3515	189	152	2	2	NUM
hassl-3515	189	153	1.67	1.67	NUM
hassl-3515	189	154	%	%	NOUN
hassl-3515	189	155	bank	bank	PROPN
hassl-3515	189	156	uob	uob	PROPN
hassl-3515	189	157	indonesia	indonesia	PROPN
hassl-3515	189	158	2	2	NUM
hassl-3515	189	159	1.67	1.67	NUM
hassl-3515	189	160	%	%	NOUN
hassl-3515	189	161	bank	bank	NOUN
hassl-3515	189	162	jabar	jabar	NOUN
hassl-3515	189	163	banten	banten	PROPN
hassl-3515	189	164	*	*	PROPN
hassl-3515	189	165	2	2	NUM
hassl-3515	189	166	1.67	1.67	NUM
hassl-3515	189	167	%	%	NOUN
hassl-3515	189	168	bank	bank	NOUN
hassl-3515	189	169	lampung	lampung	NOUN
hassl-3515	189	170	*	*	PROPN
hassl-3515	189	171	1	1	NUM
hassl-3515	189	172	0.83	0.83	NUM
hassl-3515	189	173	%	%	NOUN
hassl-3515	189	174	bank	bank	NOUN
hassl-3515	189	175	perkreditan	perkreditan	PROPN
hassl-3515	189	176	rakyat	rakyat	PROPN
hassl-3515	189	177	(	(	PUNCT
hassl-3515	189	178	bpr	bpr	PROPN
hassl-3515	189	179	)	)	PUNCT
hassl-3515	189	180	adhierresa	adhierresa	PROPN
hassl-3515	189	181	*	*	PROPN
hassl-3515	189	182	*	*	PROPN
hassl-3515	189	183	1	1	NUM
hassl-3515	189	184	0.83	0.83	NUM
hassl-3515	189	185	%	%	NOUN
hassl-3515	189	186	bpr	bpr	PROPN
hassl-3515	189	187	bina	bina	PROPN
hassl-3515	189	188	maju	maju	PROPN
hassl-3515	189	189	usaha	usaha	PROPN
hassl-3515	189	190	*	*	PROPN
hassl-3515	189	191	*	*	PROPN
hassl-3515	189	192	3	3	NUM
hassl-3515	189	193	2.50	2.50	NUM
hassl-3515	189	194	%	%	NOUN
hassl-3515	189	195	bpr	bpr	CCONJ
hassl-3515	189	196	daya	daya	PROPN
hassl-3515	189	197	lumbung	lumbung	PROPN
hassl-3515	189	198	asia	asia	PROPN
hassl-3515	189	199	*	*	PROPN
hassl-3515	189	200	*	*	PROPN
hassl-3515	189	201	1	1	NUM
hassl-3515	189	202	0.83	0.83	NUM
hassl-3515	189	203	%	%	NOUN
hassl-3515	189	204	bpr	bpr	INTJ
hassl-3515	189	205	karyajatnika	karyajatnika	NOUN
hassl-3515	189	206	sadaya	sadaya	NOUN
hassl-3515	189	207	*	*	PROPN
hassl-3515	190	1	*	*	PROPN
hassl-3515	190	2	2	2	NUM
hassl-3515	190	3	1.67	1.67	NUM
hassl-3515	190	4	%	%	NOUN
hassl-3515	190	5	bank	bank	NOUN
hassl-3515	190	6	tabungan	tabungan	VERB
hassl-3515	190	7	pensiunan	pensiunan	ADJ
hassl-3515	190	8	nasional	nasional	PROPN
hassl-3515	190	9	(	(	PUNCT
hassl-3515	190	10	btpn	btpn	PROPN
hassl-3515	190	11	)	)	PUNCT
hassl-3515	190	12	2	2	NUM
hassl-3515	190	13	1.67	1.67	NUM
hassl-3515	190	14	%	%	NOUN
hassl-3515	190	15	cimb	cimb	PROPN
hassl-3515	190	16	niaga	niaga	NOUN
hassl-3515	190	17	11	11	NUM
hassl-3515	190	18	9.17	9.17	NUM
hassl-3515	190	19	%	%	NOUN
hassl-3515	190	20	ctbc	ctbc	PROPN
hassl-3515	190	21	bank	bank	PROPN
hassl-3515	190	22	1	1	NUM
hassl-3515	190	23	0.83	0.83	NUM
hassl-3515	190	24	%	%	NOUN
hassl-3515	190	25	kb	kb	PROPN
hassl-3515	190	26	bukopin	bukopin	NOUN
hassl-3515	190	27	2	2	NUM
hassl-3515	190	28	1.67	1.67	NUM
hassl-3515	190	29	%	%	NOUN
hassl-3515	190	30	humanities	humanity	NOUN
hassl-3515	190	31	and	and	CCONJ
hassl-3515	190	32	social	social	ADJ
hassl-3515	190	33	sciences	science	NOUN
hassl-3515	190	34	letters	letter	NOUN
hassl-3515	190	35	,	,	PUNCT
hassl-3515	190	36	2023	2023	NUM
hassl-3515	190	37	,	,	PUNCT
hassl-3515	190	38	11(3	11(3	NUM
hassl-3515	190	39	):	):	PUNCT
hassl-3515	190	40	349	349	NUM
hassl-3515	190	41	-	-	SYM
hassl-3515	190	42	361	361	NUM
hassl-3515	190	43	355	355	NUM
hassl-3515	190	44	©	©	PROPN
hassl-3515	190	45	2023	2023	NUM
hassl-3515	190	46	conscientia	conscientia	PROPN
hassl-3515	190	47	beam	beam	PROPN
hassl-3515	190	48	.	.	PUNCT
hassl-3515	191	1	all	all	DET
hassl-3515	191	2	rights	right	NOUN
hassl-3515	191	3	reserved	reserve	VERB
hassl-3515	191	4	.	.	PUNCT
hassl-3515	192	1	profile	profile	VERB
hassl-3515	192	2	description	description	NOUN
hassl-3515	192	3	total	total	NOUN
hassl-3515	192	4	portion	portion	NOUN
hassl-3515	192	5	keb	keb	PROPN
hassl-3515	192	6	hana	hana	PROPN
hassl-3515	192	7	bank	bank	PROPN
hassl-3515	192	8	indonesia	indonesia	PROPN
hassl-3515	192	9	1	1	NUM
hassl-3515	192	10	0.83	0.83	NUM
hassl-3515	192	11	%	%	NOUN
hassl-3515	192	12	ocbc	ocbc	NOUN
hassl-3515	192	13	nisp	nisp	NOUN
hassl-3515	192	14	6	6	NUM
hassl-3515	192	15	5.00	5.00	NUM
hassl-3515	192	16	%	%	NOUN
hassl-3515	192	17	standard	standard	ADJ
hassl-3515	192	18	chartered	chartered	ADJ
hassl-3515	192	19	bank	bank	PROPN
hassl-3515	192	20	1	1	NUM
hassl-3515	192	21	0.83	0.83	NUM
hassl-3515	192	22	%	%	NOUN
hassl-3515	192	23	working	working	NOUN
hassl-3515	192	24	duration	duration	NOUN
hassl-3515	192	25	between	between	ADP
hassl-3515	192	26	one	one	NUM
hassl-3515	192	27	year	year	NOUN
hassl-3515	192	28	and	and	CCONJ
hassl-3515	192	29	five	five	NUM
hassl-3515	192	30	years	year	NOUN
hassl-3515	192	31	37	37	NUM
hassl-3515	192	32	30.83	30.83	NUM
hassl-3515	192	33	%	%	NOUN
hassl-3515	192	34	between	between	ADP
hassl-3515	192	35	5	5	NUM
hassl-3515	192	36	and	and	CCONJ
hassl-3515	192	37	10	10	NUM
hassl-3515	192	38	years	year	NOUN
hassl-3515	192	39	31	31	NUM
hassl-3515	192	40	25.83	25.83	NUM
hassl-3515	192	41	%	%	NOUN
hassl-3515	192	42	between	between	ADP
hassl-3515	192	43	11	11	NUM
hassl-3515	192	44	and	and	CCONJ
hassl-3515	192	45	15	15	NUM
hassl-3515	192	46	years	year	NOUN
hassl-3515	192	47	28	28	NUM
hassl-3515	192	48	23.33	23.33	NUM
hassl-3515	192	49	%	%	NOUN
hassl-3515	192	50	between	between	ADP
hassl-3515	192	51	16	16	NUM
hassl-3515	192	52	and	and	CCONJ
hassl-3515	192	53	20	20	NUM
hassl-3515	192	54	years	year	NOUN
hassl-3515	192	55	8	8	NUM
hassl-3515	192	56	6.67	6.67	NUM
hassl-3515	192	57	%	%	NOUN
hassl-3515	192	58	above	above	ADP
hassl-3515	192	59	20	20	NUM
hassl-3515	192	60	years	year	NOUN
hassl-3515	192	61	16	16	NUM
hassl-3515	192	62	13.33	13.33	NUM
hassl-3515	192	63	%	%	NOUN
hassl-3515	192	64	working	working	NOUN
hassl-3515	192	65	position	position	NOUN
hassl-3515	192	66	director	director	NOUN
hassl-3515	192	67	2	2	NUM
hassl-3515	192	68	1.67	1.67	NUM
hassl-3515	192	69	%	%	NOUN
hassl-3515	192	70	risk	risk	NOUN
hassl-3515	192	71	monitoring	monitoring	NOUN
hassl-3515	192	72	committee	committee	NOUN
hassl-3515	192	73	member	member	NOUN
hassl-3515	192	74	1	1	NUM
hassl-3515	192	75	0.83	0.83	NUM
hassl-3515	192	76	%	%	NOUN
hassl-3515	192	77	branch	branch	NOUN
hassl-3515	192	78	head	head	NOUN
hassl-3515	192	79	8	8	NUM
hassl-3515	192	80	6.67	6.67	NUM
hassl-3515	192	81	%	%	NOUN
hassl-3515	192	82	division	division	NOUN
hassl-3515	192	83	head	head	VERB
hassl-3515	192	84	7	7	NUM
hassl-3515	192	85	5.83	5.83	NUM
hassl-3515	192	86	%	%	NOUN
hassl-3515	192	87	manager	manager	NOUN
hassl-3515	192	88	24	24	NUM
hassl-3515	192	89	20.00	20.00	NUM
hassl-3515	192	90	%	%	NOUN
hassl-3515	192	91	bank	bank	NOUN
hassl-3515	192	92	staff	staff	NOUN
hassl-3515	192	93	member	member	NOUN
hassl-3515	192	94	78	78	NUM
hassl-3515	192	95	65.00	65.00	NUM
hassl-3515	192	96	%	%	NOUN
hassl-3515	192	97	bank	bank	NOUN
hassl-3515	192	98	location	location	PROPN
hassl-3515	192	99	bandar	bandar	NOUN
hassl-3515	192	100	lampung	lampung	PROPN
hassl-3515	192	101	6	6	NUM
hassl-3515	192	102	5.00	5.00	NUM
hassl-3515	192	103	%	%	NOUN
hassl-3515	192	104	bandung	bandung	NOUN
hassl-3515	192	105	59	59	NUM
hassl-3515	192	106	49.17	49.17	NUM
hassl-3515	192	107	%	%	NOUN
hassl-3515	192	108	bogor	bogor	NOUN
hassl-3515	192	109	1	1	NUM
hassl-3515	192	110	0.83	0.83	NUM
hassl-3515	192	111	%	%	NOUN
hassl-3515	192	112	garut	garut	NOUN
hassl-3515	192	113	1	1	NUM
hassl-3515	192	114	0.83	0.83	NUM
hassl-3515	192	115	%	%	NOUN
hassl-3515	192	116	jakarta	jakarta	PROPN
hassl-3515	192	117	16	16	NUM
hassl-3515	192	118	13.33	13.33	NUM
hassl-3515	192	119	%	%	NOUN
hassl-3515	192	120	karawang	karawang	NOUN
hassl-3515	192	121	2	2	NUM
hassl-3515	192	122	1.67	1.67	NUM
hassl-3515	192	123	%	%	NOUN
hassl-3515	192	124	kudus	kudus	NOUN
hassl-3515	192	125	1	1	NUM
hassl-3515	192	126	0.83	0.83	NUM
hassl-3515	192	127	%	%	NOUN
hassl-3515	192	128	kupang	kupang	NOUN
hassl-3515	192	129	1	1	NUM
hassl-3515	192	130	0.83	0.83	NUM
hassl-3515	192	131	%	%	NOUN
hassl-3515	192	132	magelang	magelang	NOUN
hassl-3515	192	133	1	1	NUM
hassl-3515	192	134	0.83	0.83	NUM
hassl-3515	192	135	%	%	NOUN
hassl-3515	192	136	palembang	palembang	NOUN
hassl-3515	192	137	1	1	NUM
hassl-3515	192	138	0.83	0.83	NUM
hassl-3515	192	139	%	%	NOUN
hassl-3515	192	140	purwokerto	purwokerto	NOUN
hassl-3515	192	141	1	1	NUM
hassl-3515	192	142	0.83	0.83	NUM
hassl-3515	192	143	%	%	NOUN
hassl-3515	192	144	semarang	semarang	PROPN
hassl-3515	192	145	25	25	NUM
hassl-3515	192	146	20.83	20.83	NUM
hassl-3515	192	147	%	%	NOUN
hassl-3515	192	148	surabaya	surabaya	NOUN
hassl-3515	192	149	1	1	NUM
hassl-3515	192	150	0.83	0.83	NUM
hassl-3515	192	151	%	%	NOUN
hassl-3515	192	152	tangerang	tangerang	PROPN
hassl-3515	192	153	1	1	NUM
hassl-3515	192	154	0.83	0.83	NUM
hassl-3515	192	155	%	%	NOUN
hassl-3515	192	156	south	south	NOUN
hassl-3515	192	157	tangerang	tangerang	PROPN
hassl-3515	192	158	2	2	NUM
hassl-3515	192	159	1.67	1.67	NUM
hassl-3515	192	160	%	%	NOUN
hassl-3515	192	161	yogyakarta	yogyakarta	NOUN
hassl-3515	192	162	1	1	NUM
hassl-3515	192	163	0.83	0.83	NUM
hassl-3515	192	164	%	%	NOUN
hassl-3515	192	165	note	note	NOUN
hassl-3515	192	166	:	:	PUNCT
hassl-3515	192	167	*	*	PUNCT
hassl-3515	192	168	=	=	SYM
hassl-3515	192	169	regional	regional	PROPN
hassl-3515	192	170	development	development	PROPN
hassl-3515	192	171	bank	bank	PROPN
hassl-3515	192	172	,	,	PUNCT
hassl-3515	192	173	*	*	PUNCT
hassl-3515	192	174	*	*	PUNCT
hassl-3515	192	175	=	=	SYM
hassl-3515	192	176	rural	rural	ADJ
hassl-3515	192	177	bank	bank	NOUN
hassl-3515	192	178	,	,	PUNCT
hassl-3515	192	179	and	and	CCONJ
hassl-3515	192	180	without	without	ADP
hassl-3515	192	181	sign	sign	NOUN
hassl-3515	192	182	=	=	SYM
hassl-3515	192	183	commercial	commercial	ADJ
hassl-3515	192	184	banks	bank	NOUN
hassl-3515	192	185	.	.	PUNCT
hassl-3515	193	1	4.2	4.2	NUM
hassl-3515	193	2	.	.	PUNCT
hassl-3515	194	1	validity	validity	NOUN
hassl-3515	194	2	and	and	CCONJ
hassl-3515	194	3	reliability	reliability	NOUN
hassl-3515	194	4	examination	examination	NOUN
hassl-3515	194	5	result	result	NOUN
hassl-3515	194	6	table	table	NOUN
hassl-3515	194	7	3	3	NUM
hassl-3515	194	8	presents	present	VERB
hassl-3515	194	9	the	the	DET
hassl-3515	194	10	confirmatory	confirmatory	ADJ
hassl-3515	194	11	factor	factor	NOUN
hassl-3515	194	12	analysis	analysis	NOUN
hassl-3515	194	13	for	for	ADP
hassl-3515	194	14	the	the	DET
hassl-3515	194	15	latent	latent	NOUN
hassl-3515	194	16	variables	variable	NOUN
hassl-3515	194	17	:	:	PUNCT
hassl-3515	194	18	credit	credit	NOUN
hassl-3515	194	19	card	card	NOUN
hassl-3515	194	20	utilization	utilization	NOUN
hassl-3515	194	21	(	(	PUNCT
hassl-3515	194	22	ccu	ccu	PROPN
hassl-3515	194	23	)	)	PUNCT
hassl-3515	194	24	,	,	PUNCT
hassl-3515	194	25	selfcontrol	selfcontrol	NOUN
hassl-3515	194	26	(	(	PUNCT
hassl-3515	194	27	sc	sc	PROPN
hassl-3515	194	28	)	)	PUNCT
hassl-3515	194	29	,	,	PUNCT
hassl-3515	194	30	and	and	CCONJ
hassl-3515	194	31	self	self	NOUN
hassl-3515	194	32	-	-	PUNCT
hassl-3515	194	33	esteem	esteem	NOUN
hassl-3515	194	34	(	(	PUNCT
hassl-3515	194	35	se	se	ADJ
hassl-3515	194	36	)	)	PUNCT
hassl-3515	194	37	.	.	PUNCT
hassl-3515	195	1	table	table	NOUN
hassl-3515	195	2	3	3	NUM
hassl-3515	195	3	.	.	PUNCT
hassl-3515	195	4	convergent	convergent	ADJ
hassl-3515	195	5	validity	validity	NOUN
hassl-3515	195	6	and	and	CCONJ
hassl-3515	195	7	reliability	reliability	NOUN
hassl-3515	195	8	testing	testing	NOUN
hassl-3515	195	9	results	result	NOUN
hassl-3515	195	10	.	.	PUNCT
hassl-3515	196	1	variable	variable	ADJ
hassl-3515	196	2	indicator	indicator	NOUN
hassl-3515	196	3	loading	loading	NOUN
hassl-3515	196	4	factor	factor	NOUN
hassl-3515	196	5	ave	ave	NOUN
hassl-3515	196	6	composite	composite	ADJ
hassl-3515	196	7	reliability	reliability	NOUN
hassl-3515	196	8	cronbach	cronbach	VERB
hassl-3515	196	9	alpha	alpha	NOUN
hassl-3515	196	10	credit	credit	NOUN
hassl-3515	196	11	card	card	NOUN
hassl-3515	196	12	utilization	utilization	NOUN
hassl-3515	196	13	ccu1	ccu1	NOUN
hassl-3515	197	1	0.874	0.874	NUM
hassl-3515	197	2	0.633	0.633	NUM
hassl-3515	197	3	0.873	0.873	NUM
hassl-3515	197	4	0.816	0.816	NUM
hassl-3515	197	5	ccu2	ccu2	PROPN
hassl-3515	197	6	0.809	0.809	NUM
hassl-3515	197	7	ccu3	ccu3	PROPN
hassl-3515	197	8	0.716	0.716	NUM
hassl-3515	197	9	ccu4	ccu4	NOUN
hassl-3515	197	10	0.775	0.775	NUM
hassl-3515	197	11	self	self	NOUN
hassl-3515	197	12	-	-	PUNCT
hassl-3515	197	13	control	control	NOUN
hassl-3515	197	14	sc1	sc1	NOUN
hassl-3515	197	15	0.870	0.870	NUM
hassl-3515	197	16	0.840	0.840	NUM
hassl-3515	197	17	0.969	0.969	NUM
hassl-3515	197	18	0.969	0.969	NUM
hassl-3515	197	19	sc2	sc2	NOUN
hassl-3515	197	20	0.958	0.958	NUM
hassl-3515	197	21	sc3	sc3	PROPN
hassl-3515	197	22	0.934	0.934	NUM
hassl-3515	197	23	sc4	sc4	PROPN
hassl-3515	197	24	0.950	0.950	NUM
hassl-3515	197	25	sc5	sc5	PROPN
hassl-3515	197	26	0.913	0.913	NUM
hassl-3515	197	27	sc6	sc6	ADJ
hassl-3515	197	28	0.869	0.869	NUM
hassl-3515	197	29	self	self	NOUN
hassl-3515	197	30	-	-	PUNCT
hassl-3515	197	31	esteem	esteem	NOUN
hassl-3515	197	32	se1	se1	PROPN
hassl-3515	197	33	0.607	0.607	NUM
hassl-3515	197	34	0.785	0.785	NUM
hassl-3515	197	35	0.973	0.973	NUM
hassl-3515	197	36	0.971	0.971	NUM
hassl-3515	197	37	se2	se2	NOUN
hassl-3515	197	38	0.639	0.639	NUM
hassl-3515	197	39	se3	se3	PROPN
hassl-3515	197	40	0.969	0.969	NUM
hassl-3515	197	41	se4	se4	X
hassl-3515	197	42	0.963	0.963	NUM
hassl-3515	197	43	se5	se5	NOUN
hassl-3515	197	44	0.906	0.906	NUM
hassl-3515	197	45	se6	se6	NOUN
hassl-3515	197	46	0.855	0.855	NUM
hassl-3515	197	47	se7	se7	NOUN
hassl-3515	197	48	0.954	0.954	NUM
hassl-3515	197	49	se8	se8	PROPN
hassl-3515	197	50	0.959	0.959	NUM
hassl-3515	197	51	se9	se9	NOUN
hassl-3515	197	52	0.964	0.964	NUM
hassl-3515	198	1	se10	se10	PROPN
hassl-3515	198	2	0.945	0.945	NUM
hassl-3515	198	3	humanities	humanity	NOUN
hassl-3515	198	4	and	and	CCONJ
hassl-3515	198	5	social	social	ADJ
hassl-3515	198	6	sciences	science	NOUN
hassl-3515	198	7	letters	letter	NOUN
hassl-3515	198	8	,	,	PUNCT
hassl-3515	198	9	2023	2023	NUM
hassl-3515	198	10	,	,	PUNCT
hassl-3515	198	11	11(3	11(3	NUM
hassl-3515	198	12	):	):	PUNCT
hassl-3515	198	13	349	349	NUM
hassl-3515	198	14	-	-	SYM
hassl-3515	198	15	361	361	NUM
hassl-3515	198	16	356	356	NUM
hassl-3515	198	17	©	©	PROPN
hassl-3515	198	18	2023	2023	NUM
hassl-3515	198	19	conscientia	conscientia	PROPN
hassl-3515	198	20	beam	beam	PROPN
hassl-3515	198	21	.	.	PUNCT
hassl-3515	199	1	all	all	DET
hassl-3515	199	2	rights	right	NOUN
hassl-3515	199	3	reserved	reserve	VERB
hassl-3515	199	4	.	.	PUNCT
hassl-3515	200	1	for	for	ADP
hassl-3515	200	2	the	the	DET
hassl-3515	200	3	confirmatory	confirmatory	NOUN
hassl-3515	200	4	factor	factor	NOUN
hassl-3515	200	5	,	,	PUNCT
hassl-3515	200	6	the	the	DET
hassl-3515	200	7	loading	loading	NOUN
hassl-3515	200	8	factor	factor	NOUN
hassl-3515	200	9	of	of	ADP
hassl-3515	200	10	ccu1	ccu1	NOUN
hassl-3515	200	11	-	-	PUNCT
hassl-3515	200	12	ccu4	ccu4	NOUN
hassl-3515	200	13	is	be	AUX
hassl-3515	200	14	0.874	0.874	NUM
hassl-3515	200	15	,	,	PUNCT
hassl-3515	200	16	0.809	0.809	NUM
hassl-3515	200	17	,	,	PUNCT
hassl-3515	200	18	0.716	0.716	NUM
hassl-3515	200	19	,	,	PUNCT
hassl-3515	200	20	and	and	CCONJ
hassl-3515	200	21	0.775	0.775	NUM
hassl-3515	200	22	,	,	PUNCT
hassl-3515	200	23	and	and	CCONJ
hassl-3515	200	24	sc1	sc1	NOUN
hassl-3515	200	25	-	-	PUNCT
hassl-3515	200	26	sc6	sc6	PROPN
hassl-3515	200	27	is	be	AUX
hassl-3515	200	28	0.870	0.870	NUM
hassl-3515	200	29	,	,	PUNCT
hassl-3515	200	30	0.958	0.958	NUM
hassl-3515	200	31	,	,	PUNCT
hassl-3515	200	32	0.934	0.934	NUM
hassl-3515	200	33	,	,	PUNCT
hassl-3515	200	34	0.950	0.950	NUM
hassl-3515	200	35	,	,	PUNCT
hassl-3515	200	36	0.913	0.913	NUM
hassl-3515	200	37	,	,	PUNCT
hassl-3515	200	38	and	and	CCONJ
hassl-3515	200	39	0.869	0.869	NUM
hassl-3515	200	40	;	;	PUNCT
hassl-3515	200	41	se1	se1	PROPN
hassl-3515	200	42	-	-	PUNCT
hassl-3515	200	43	se10	se10	PROPN
hassl-3515	200	44	is	be	AUX
hassl-3515	200	45	0.607	0.607	NUM
hassl-3515	200	46	,	,	PUNCT
hassl-3515	200	47	0.639	0.639	NUM
hassl-3515	200	48	,	,	PUNCT
hassl-3515	200	49	0.969	0.969	NUM
hassl-3515	200	50	,	,	PUNCT
hassl-3515	200	51	0.963	0.963	NUM
hassl-3515	200	52	,	,	PUNCT
hassl-3515	200	53	0.906	0.906	NUM
hassl-3515	200	54	,	,	PUNCT
hassl-3515	200	55	0.855	0.855	NUM
hassl-3515	200	56	,	,	PUNCT
hassl-3515	200	57	0.954	0.954	NUM
hassl-3515	200	58	,	,	PUNCT
hassl-3515	200	59	0.959	0.959	NUM
hassl-3515	200	60	,	,	PUNCT
hassl-3515	200	61	0.964	0.964	NUM
hassl-3515	200	62	,	,	PUNCT
hassl-3515	200	63	and	and	CCONJ
hassl-3515	200	64	0.945	0.945	NUM
hassl-3515	200	65	.	.	PUNCT
hassl-3515	201	1	also	also	ADV
hassl-3515	201	2	,	,	PUNCT
hassl-3515	201	3	the	the	DET
hassl-3515	201	4	ave	ave	NOUN
hassl-3515	201	5	for	for	ADP
hassl-3515	201	6	ccu	ccu	PROPN
hassl-3515	201	7	,	,	PUNCT
hassl-3515	201	8	sc	sc	PROPN
hassl-3515	201	9	,	,	PUNCT
hassl-3515	201	10	and	and	CCONJ
hassl-3515	201	11	se	se	X
hassl-3515	201	12	is	be	AUX
hassl-3515	201	13	0.633	0.633	NUM
hassl-3515	201	14	,	,	PUNCT
hassl-3515	201	15	0.840	0.840	NUM
hassl-3515	201	16	,	,	PUNCT
hassl-3515	201	17	and	and	CCONJ
hassl-3515	201	18	0.875	0.875	NUM
hassl-3515	201	19	.	.	PUNCT
hassl-3515	202	1	fortunately	fortunately	ADV
hassl-3515	202	2	,	,	PUNCT
hassl-3515	202	3	all	all	DET
hassl-3515	202	4	these	these	DET
hassl-3515	202	5	values	value	NOUN
hassl-3515	202	6	are	be	AUX
hassl-3515	202	7	above	above	ADP
hassl-3515	202	8	0.5	0.5	NUM
hassl-3515	202	9	for	for	ADP
hassl-3515	202	10	the	the	DET
hassl-3515	202	11	loading	loading	NOUN
hassl-3515	202	12	factor	factor	NOUN
hassl-3515	202	13	and	and	CCONJ
hassl-3515	202	14	ave	ave	PROPN
hassl-3515	202	15	.	.	PUNCT
hassl-3515	203	1	hence	hence	ADV
hassl-3515	203	2	,	,	PUNCT
hassl-3515	203	3	the	the	DET
hassl-3515	203	4	convergent	convergent	NOUN
hassl-3515	203	5	validity	validity	NOUN
hassl-3515	203	6	test	test	NOUN
hassl-3515	203	7	is	be	AUX
hassl-3515	203	8	attained	attain	VERB
hassl-3515	203	9	.	.	PUNCT
hassl-3515	204	1	the	the	DET
hassl-3515	204	2	composite	composite	ADJ
hassl-3515	204	3	reliability	reliability	NOUN
hassl-3515	204	4	for	for	ADP
hassl-3515	204	5	ccu	ccu	PROPN
hassl-3515	204	6	,	,	PUNCT
hassl-3515	204	7	sc	sc	PROPN
hassl-3515	204	8	,	,	PUNCT
hassl-3515	204	9	and	and	CCONJ
hassl-3515	204	10	se	se	X
hassl-3515	204	11	for	for	ADP
hassl-3515	204	12	reliability	reliability	NOUN
hassl-3515	204	13	testing	testing	NOUN
hassl-3515	204	14	is	be	AUX
hassl-3515	204	15	0.873	0.873	NUM
hassl-3515	204	16	,	,	PUNCT
hassl-3515	204	17	0.969	0.969	NUM
hassl-3515	204	18	,	,	PUNCT
hassl-3515	204	19	and	and	CCONJ
hassl-3515	204	20	0.973	0.973	NUM
hassl-3515	204	21	,	,	PUNCT
hassl-3515	204	22	and	and	CCONJ
hassl-3515	204	23	the	the	DET
hassl-3515	204	24	cronbach	cronbach	ADJ
hassl-3515	204	25	alpha	alpha	NOUN
hassl-3515	204	26	for	for	ADP
hassl-3515	204	27	them	they	PRON
hassl-3515	204	28	is	be	AUX
hassl-3515	204	29	0.816	0.816	NUM
hassl-3515	204	30	,	,	PUNCT
hassl-3515	204	31	0.969	0.969	NUM
hassl-3515	204	32	,	,	PUNCT
hassl-3515	204	33	and	and	CCONJ
hassl-3515	204	34	0.971	0.971	NUM
hassl-3515	204	35	.	.	PUNCT
hassl-3515	205	1	because	because	SCONJ
hassl-3515	205	2	all	all	DET
hassl-3515	205	3	coefficients	coefficient	NOUN
hassl-3515	205	4	are	be	AUX
hassl-3515	205	5	above	above	ADP
hassl-3515	205	6	0.7	0.7	NUM
hassl-3515	205	7	,	,	PUNCT
hassl-3515	205	8	the	the	DET
hassl-3515	205	9	answers	answer	NOUN
hassl-3515	205	10	of	of	ADP
hassl-3515	205	11	respondents	respondent	NOUN
hassl-3515	205	12	are	be	AUX
hassl-3515	205	13	reliable	reliable	ADJ
hassl-3515	205	14	.	.	PUNCT
hassl-3515	206	1	therefore	therefore	ADV
hassl-3515	206	2	,	,	PUNCT
hassl-3515	206	3	the	the	DET
hassl-3515	206	4	reliability	reliability	NOUN
hassl-3515	206	5	test	test	NOUN
hassl-3515	206	6	is	be	AUX
hassl-3515	206	7	achieved	achieve	VERB
hassl-3515	206	8	.	.	PUNCT
hassl-3515	207	1	besides	besides	SCONJ
hassl-3515	207	2	testing	test	VERB
hassl-3515	207	3	the	the	DET
hassl-3515	207	4	convergence	convergence	NOUN
hassl-3515	207	5	validity	validity	NOUN
hassl-3515	207	6	,	,	PUNCT
hassl-3515	207	7	reflected	reflect	VERB
hassl-3515	207	8	by	by	ADP
hassl-3515	207	9	the	the	DET
hassl-3515	207	10	loading	loading	NOUN
hassl-3515	207	11	factor	factor	NOUN
hassl-3515	207	12	and	and	CCONJ
hassl-3515	207	13	ave	ave	PROPN
hassl-3515	207	14	,	,	PUNCT
hassl-3515	207	15	this	this	DET
hassl-3515	207	16	research	research	NOUN
hassl-3515	207	17	checks	check	VERB
hassl-3515	207	18	the	the	DET
hassl-3515	207	19	discriminant	discriminant	ADJ
hassl-3515	207	20	validity	validity	NOUN
hassl-3515	207	21	of	of	ADP
hassl-3515	207	22	the	the	DET
hassl-3515	207	23	latent	latent	NOUN
hassl-3515	207	24	variables	variable	NOUN
hassl-3515	207	25	:	:	PUNCT
hassl-3515	207	26	ccu	ccu	PROPN
hassl-3515	207	27	,	,	PUNCT
hassl-3515	207	28	sc	sc	PROPN
hassl-3515	207	29	,	,	PUNCT
hassl-3515	207	30	and	and	CCONJ
hassl-3515	207	31	se	se	X
hassl-3515	207	32	,	,	PUNCT
hassl-3515	207	33	where	where	SCONJ
hassl-3515	207	34	the	the	DET
hassl-3515	207	35	result	result	NOUN
hassl-3515	207	36	is	be	AUX
hassl-3515	207	37	in	in	ADP
hassl-3515	207	38	table	table	NOUN
hassl-3515	207	39	4	4	NUM
hassl-3515	207	40	.	.	PUNCT
hassl-3515	207	41	table	table	NOUN
hassl-3515	207	42	4	4	NUM
hassl-3515	207	43	.	.	PUNCT
hassl-3515	208	1	the	the	DET
hassl-3515	208	2	discriminant	discriminant	ADJ
hassl-3515	208	3	validity	validity	NOUN
hassl-3515	208	4	result	result	VERB
hassl-3515	208	5	.	.	PUNCT
hassl-3515	209	1	construct	construct	VERB
hassl-3515	209	2	ccu	ccu	PROPN
hassl-3515	209	3	sc	sc	PROPN
hassl-3515	209	4	se	se	PROPN
hassl-3515	209	5	ccu	ccu	PROPN
hassl-3515	209	6	0.796	0.796	NUM
hassl-3515	209	7	sc	sc	PROPN
hassl-3515	209	8	-0.309	-0.309	NOUN
hassl-3515	209	9	0.916	0.916	NUM
hassl-3515	209	10	se	se	X
hassl-3515	209	11	-0.732	-0.732	NOUN
hassl-3515	209	12	0.537	0.537	NUM
hassl-3515	209	13	0.886	0.886	NUM
hassl-3515	209	14	the	the	DET
hassl-3515	209	15	coefficient	coefficient	NOUN
hassl-3515	209	16	correlation	correlation	NOUN
hassl-3515	209	17	(	(	PUNCT
hassl-3515	209	18	cc	cc	NOUN
hassl-3515	209	19	)	)	PUNCT
hassl-3515	209	20	between	between	ADP
hassl-3515	209	21	ccu	ccu	PROPN
hassl-3515	209	22	and	and	CCONJ
hassl-3515	209	23	sc	sc	PROPN
hassl-3515	209	24	is	be	AUX
hassl-3515	209	25	negative	negative	ADJ
hassl-3515	209	26	:	:	PUNCT
hassl-3515	209	27	-0.309	-0.309	NOUN
hassl-3515	209	28	,	,	PUNCT
hassl-3515	209	29	and	and	CCONJ
hassl-3515	209	30	so	so	ADV
hassl-3515	209	31	is	be	AUX
hassl-3515	209	32	the	the	DET
hassl-3515	209	33	cc	cc	NOUN
hassl-3515	209	34	between	between	ADP
hassl-3515	209	35	ccu	ccu	PROPN
hassl-3515	209	36	and	and	CCONJ
hassl-3515	209	37	se	se	ADJ
hassl-3515	209	38	:	:	PUNCT
hassl-3515	209	39	-0.732	-0.732	X
hassl-3515	209	40	.	.	PUNCT
hassl-3515	210	1	in	in	ADP
hassl-3515	210	2	this	this	DET
hassl-3515	210	3	case	case	NOUN
hassl-3515	210	4	,	,	PUNCT
hassl-3515	210	5	this	this	DET
hassl-3515	210	6	mark	mark	NOUN
hassl-3515	210	7	can	can	AUX
hassl-3515	210	8	be	be	AUX
hassl-3515	210	9	ignored	ignore	VERB
hassl-3515	210	10	.	.	PUNCT
hassl-3515	211	1	therefore	therefore	ADV
hassl-3515	211	2	,	,	PUNCT
hassl-3515	211	3	comparing	compare	VERB
hassl-3515	211	4	the	the	DET
hassl-3515	211	5	absolute	absolute	ADJ
hassl-3515	211	6	values	value	NOUN
hassl-3515	211	7	with	with	ADP
hassl-3515	211	8	the	the	DET
hassl-3515	211	9	ave	ave	PROPN
hassl-3515	211	10	square	square	PROPN
hassl-3515	211	11	root	root	NOUN
hassl-3515	211	12	is	be	AUX
hassl-3515	211	13	essential	essential	ADJ
hassl-3515	211	14	to	to	PART
hassl-3515	211	15	prove	prove	VERB
hassl-3515	211	16	discriminant	discriminant	ADJ
hassl-3515	211	17	validity	validity	NOUN
hassl-3515	211	18	.	.	PUNCT
hassl-3515	212	1	•	•	NUM
hassl-3515	212	2	the	the	DET
hassl-3515	212	3	ave	ave	PROPN
hassl-3515	212	4	square	square	ADJ
hassl-3515	212	5	root	root	NOUN
hassl-3515	212	6	of	of	ADP
hassl-3515	212	7	ccu	ccu	PROPN
hassl-3515	212	8	of	of	ADP
hassl-3515	212	9	0.796	0.796	NUM
hassl-3515	212	10	is	be	AUX
hassl-3515	212	11	above	above	ADP
hassl-3515	212	12	the	the	DET
hassl-3515	212	13	absolute	absolute	ADJ
hassl-3515	212	14	cc	cc	PROPN
hassl-3515	212	15	(	(	PUNCT
hassl-3515	212	16	acc	acc	PROPN
hassl-3515	212	17	)	)	PUNCT
hassl-3515	212	18	between	between	ADP
hassl-3515	212	19	ccu	ccu	PROPN
hassl-3515	212	20	and	and	CCONJ
hassl-3515	212	21	sc	sc	PROPN
hassl-3515	212	22	of	of	ADP
hassl-3515	212	23	0.309	0.309	NUM
hassl-3515	212	24	and	and	CCONJ
hassl-3515	212	25	the	the	DET
hassl-3515	212	26	acc	acc	NOUN
hassl-3515	212	27	between	between	ADP
hassl-3515	212	28	ccu	ccu	PROPN
hassl-3515	212	29	and	and	CCONJ
hassl-3515	212	30	se	se	X
hassl-3515	212	31	of	of	ADP
hassl-3515	212	32	0.732	0.732	NUM
hassl-3515	212	33	.	.	PUNCT
hassl-3515	213	1	since	since	SCONJ
hassl-3515	213	2	the	the	DET
hassl-3515	213	3	square	square	ADJ
hassl-3515	213	4	root	root	NOUN
hassl-3515	213	5	of	of	ADP
hassl-3515	213	6	ave	ave	NOUN
hassl-3515	213	7	in	in	ADP
hassl-3515	213	8	italics	italic	NOUN
hassl-3515	213	9	is	be	AUX
hassl-3515	213	10	greater	great	ADJ
hassl-3515	213	11	than	than	ADP
hassl-3515	213	12	these	these	DET
hassl-3515	213	13	accs	accs	PROPN
hassl-3515	213	14	,	,	PUNCT
hassl-3515	213	15	discriminant	discriminant	ADJ
hassl-3515	213	16	validity	validity	NOUN
hassl-3515	213	17	is	be	AUX
hassl-3515	213	18	already	already	ADV
hassl-3515	213	19	achievable	achievable	ADJ
hassl-3515	213	20	.	.	PUNCT
hassl-3515	214	1	•	•	NUM
hassl-3515	214	2	the	the	DET
hassl-3515	214	3	ave	ave	PROPN
hassl-3515	214	4	square	square	PROPN
hassl-3515	214	5	root	root	NOUN
hassl-3515	214	6	of	of	ADP
hassl-3515	214	7	sc	sc	PROPN
hassl-3515	214	8	:	:	PUNCT
hassl-3515	214	9	0.916	0.916	NUM
hassl-3515	214	10	exceeds	exceed	VERB
hassl-3515	214	11	the	the	DET
hassl-3515	214	12	acc	acc	PROPN
hassl-3515	214	13	between	between	ADP
hassl-3515	214	14	ccu	ccu	PROPN
hassl-3515	214	15	and	and	CCONJ
hassl-3515	214	16	sc	sc	PROPN
hassl-3515	214	17	of	of	ADP
hassl-3515	214	18	0.309	0.309	NUM
hassl-3515	214	19	and	and	CCONJ
hassl-3515	214	20	the	the	DET
hassl-3515	214	21	cc	cc	PROPN
hassl-3515	214	22	between	between	ADP
hassl-3515	214	23	sc	sc	PROPN
hassl-3515	214	24	and	and	CCONJ
hassl-3515	214	25	se	se	ADJ
hassl-3515	214	26	:	:	PUNCT
hassl-3515	214	27	0.537	0.537	X
hassl-3515	214	28	.	.	PUNCT
hassl-3515	215	1	since	since	SCONJ
hassl-3515	215	2	the	the	DET
hassl-3515	215	3	square	square	ADJ
hassl-3515	215	4	root	root	NOUN
hassl-3515	215	5	of	of	ADP
hassl-3515	215	6	ave	ave	NOUN
hassl-3515	215	7	in	in	ADP
hassl-3515	215	8	italics	italic	NOUN
hassl-3515	215	9	is	be	AUX
hassl-3515	215	10	more	more	ADV
hassl-3515	215	11	significant	significant	ADJ
hassl-3515	215	12	than	than	ADP
hassl-3515	215	13	the	the	DET
hassl-3515	215	14	acc	acc	PROPN
hassl-3515	215	15	and	and	CCONJ
hassl-3515	215	16	cc	cc	PROPN
hassl-3515	215	17	,	,	PUNCT
hassl-3515	215	18	discriminant	discriminant	ADJ
hassl-3515	215	19	validity	validity	NOUN
hassl-3515	215	20	is	be	AUX
hassl-3515	215	21	already	already	ADV
hassl-3515	215	22	attainable	attainable	ADJ
hassl-3515	215	23	.	.	PUNCT
hassl-3515	216	1	•	•	NUM
hassl-3515	216	2	the	the	DET
hassl-3515	216	3	ave	ave	PROPN
hassl-3515	216	4	square	square	PROPN
hassl-3515	216	5	root	root	NOUN
hassl-3515	216	6	of	of	ADP
hassl-3515	216	7	se	se	X
hassl-3515	216	8	:	:	PUNCT
hassl-3515	216	9	0.886	0.886	NUM
hassl-3515	216	10	is	be	AUX
hassl-3515	216	11	higher	high	ADJ
hassl-3515	216	12	than	than	ADP
hassl-3515	216	13	the	the	DET
hassl-3515	216	14	acc	acc	PROPN
hassl-3515	216	15	between	between	ADP
hassl-3515	216	16	ccu	ccu	PROPN
hassl-3515	216	17	and	and	CCONJ
hassl-3515	216	18	se	se	X
hassl-3515	216	19	of	of	ADP
hassl-3515	216	20	0.732	0.732	NUM
hassl-3515	216	21	and	and	CCONJ
hassl-3515	216	22	the	the	DET
hassl-3515	216	23	cc	cc	PROPN
hassl-3515	216	24	between	between	ADP
hassl-3515	216	25	sc	sc	PROPN
hassl-3515	216	26	and	and	CCONJ
hassl-3515	216	27	se	se	ADJ
hassl-3515	216	28	:	:	PUNCT
hassl-3515	216	29	0.537	0.537	X
hassl-3515	216	30	.	.	PUNCT
hassl-3515	217	1	since	since	SCONJ
hassl-3515	217	2	the	the	DET
hassl-3515	217	3	square	square	ADJ
hassl-3515	217	4	root	root	NOUN
hassl-3515	217	5	of	of	ADP
hassl-3515	217	6	ave	ave	NOUN
hassl-3515	217	7	in	in	ADP
hassl-3515	217	8	italics	italic	NOUN
hassl-3515	217	9	is	be	AUX
hassl-3515	217	10	greater	great	ADJ
hassl-3515	217	11	than	than	ADP
hassl-3515	217	12	the	the	DET
hassl-3515	217	13	acc	acc	PROPN
hassl-3515	217	14	and	and	CCONJ
hassl-3515	217	15	cc	cc	PROPN
hassl-3515	217	16	,	,	PUNCT
hassl-3515	217	17	discriminant	discriminant	ADJ
hassl-3515	217	18	validity	validity	NOUN
hassl-3515	217	19	is	be	AUX
hassl-3515	217	20	already	already	ADV
hassl-3515	217	21	reachable	reachable	ADJ
hassl-3515	217	22	.	.	PUNCT
hassl-3515	218	1	4.3	4.3	NUM
hassl-3515	218	2	.	.	PUNCT
hassl-3515	219	1	the	the	DET
hassl-3515	219	2	result	result	NOUN
hassl-3515	219	3	of	of	ADP
hassl-3515	219	4	the	the	DET
hassl-3515	219	5	modification	modification	NOUN
hassl-3515	219	6	index	index	NOUN
hassl-3515	219	7	and	and	CCONJ
hassl-3515	219	8	the	the	DET
hassl-3515	219	9	fit	fit	ADJ
hassl-3515	219	10	goodness	goodness	NOUN
hassl-3515	219	11	measurement	measurement	NOUN
hassl-3515	219	12	table	table	NOUN
hassl-3515	219	13	5	5	NUM
hassl-3515	219	14	exhibits	exhibit	VERB
hassl-3515	219	15	some	some	DET
hassl-3515	219	16	modification	modification	NOUN
hassl-3515	219	17	indexes	index	NOUN
hassl-3515	219	18	(	(	PUNCT
hassl-3515	219	19	mi	mi	NOUN
hassl-3515	219	20	)	)	PUNCT
hassl-3515	219	21	by	by	ADP
hassl-3515	219	22	correlating	correlate	VERB
hassl-3515	219	23	the	the	DET
hassl-3515	219	24	errors	error	NOUN
hassl-3515	219	25	(	(	PUNCT
hassl-3515	219	26	δ	δ	NOUN
hassl-3515	219	27	)	)	PUNCT
hassl-3515	219	28	of	of	ADP
hassl-3515	219	29	the	the	DET
hassl-3515	219	30	indicators	indicator	NOUN
hassl-3515	219	31	for	for	ADP
hassl-3515	219	32	se	se	PROPN
hassl-3515	219	33	and	and	CCONJ
hassl-3515	219	34	sc	sc	PROPN
hassl-3515	219	35	as	as	ADP
hassl-3515	219	36	exogenous	exogenous	ADJ
hassl-3515	219	37	variables	variable	NOUN
hassl-3515	219	38	graphically	graphically	ADV
hassl-3515	219	39	on	on	ADP
hassl-3515	219	40	the	the	DET
hassl-3515	219	41	ibm	ibm	PROPN
hassl-3515	219	42	spss	spss	PROPN
hassl-3515	219	43	amos	amos	PROPN
hassl-3515	219	44	19	19	NUM
hassl-3515	219	45	.	.	PUNCT
hassl-3515	220	1	following	follow	VERB
hassl-3515	220	2	these	these	DET
hassl-3515	220	3	suggested	suggest	VERB
hassl-3515	220	4	situations	situation	NOUN
hassl-3515	220	5	,	,	PUNCT
hassl-3515	220	6	the	the	DET
hassl-3515	220	7	cmin	cmin	NOUN
hassl-3515	220	8	declined	decline	VERB
hassl-3515	220	9	from	from	ADP
hassl-3515	220	10	836.589	836.589	NUM
hassl-3515	220	11	to	to	ADP
hassl-3515	220	12	501.919	501.919	NUM
hassl-3515	220	13	before	before	ADV
hassl-3515	220	14	and	and	CCONJ
hassl-3515	220	15	after	after	ADP
hassl-3515	220	16	the	the	DET
hassl-3515	220	17	activated	activate	VERB
hassl-3515	220	18	modification	modification	NOUN
hassl-3515	220	19	index	index	NOUN
hassl-3515	220	20	.	.	PUNCT
hassl-3515	221	1	table	table	NOUN
hassl-3515	221	2	5	5	NUM
hassl-3515	221	3	.	.	PUNCT
hassl-3515	221	4	modification	modification	NOUN
hassl-3515	221	5	index	index	NOUN
hassl-3515	221	6	result	result	NOUN
hassl-3515	221	7	:	:	PUNCT
hassl-3515	221	8	the	the	DET
hassl-3515	221	9	first	first	ADJ
hassl-3515	221	10	four	four	NUM
hassl-3515	221	11	enormous	enormous	ADJ
hassl-3515	221	12	values	value	NOUN
hassl-3515	221	13	.	.	PUNCT
hassl-3515	222	1	suggested	suggest	VERB
hassl-3515	222	2	correlation	correlation	NOUN
hassl-3515	222	3	between	between	ADP
hassl-3515	222	4	errors	error	NOUN
hassl-3515	222	5	mi	mi	PROPN
hassl-3515	222	6	par	par	PROPN
hassl-3515	222	7	change	change	VERB
hassl-3515	222	8	δ12	δ12	NOUN
hassl-3515	222	9	of	of	ADP
hassl-3515	222	10	se1	se1	PROPN
hassl-3515	222	11	<	<	PROPN
hassl-3515	222	12	--	--	PUNCT
hassl-3515	222	13	>	>	X
hassl-3515	222	14	δ13	δ13	X
hassl-3515	222	15	of	of	ADP
hassl-3515	222	16	se2	se2	PROPN
hassl-3515	222	17	97.639	97.639	NUM
hassl-3515	222	18	0.994	0.994	NUM
hassl-3515	222	19	δ14	δ14	ADV
hassl-3515	222	20	of	of	ADP
hassl-3515	222	21	se3	se3	PROPN
hassl-3515	222	22	<	<	PROPN
hassl-3515	222	23	--	--	PUNCT
hassl-3515	222	24	>	>	X
hassl-3515	222	25	δ15	δ15	NOUN
hassl-3515	222	26	of	of	ADP
hassl-3515	222	27	se4	se4	PROPN
hassl-3515	222	28	45.893	45.893	NUM
hassl-3515	222	29	0.102	0.102	NUM
hassl-3515	222	30	δ7	δ7	NOUN
hassl-3515	222	31	of	of	ADP
hassl-3515	222	32	sc2	sc2	NOUN
hassl-3515	222	33	<	<	X
hassl-3515	222	34	--	--	PUNCT
hassl-3515	222	35	>	>	X
hassl-3515	222	36	δ9	δ9	NOUN
hassl-3515	222	37	of	of	ADP
hassl-3515	222	38	sc4	sc4	PROPN
hassl-3515	222	39	42.478	42.478	NUM
hassl-3515	222	40	0.070	0.070	NUM
hassl-3515	222	41	δ8	δ8	NOUN
hassl-3515	222	42	of	of	ADP
hassl-3515	222	43	sc3	sc3	PROPN
hassl-3515	222	44	<	<	X
hassl-3515	222	45	--	--	PUNCT
hassl-3515	222	46	>	>	X
hassl-3515	222	47	δ10	δ10	NOUN
hassl-3515	222	48	of	of	ADP
hassl-3515	222	49	sc5	sc5	PROPN
hassl-3515	222	50	33.598	33.598	NUM
hassl-3515	222	51	0.083	0.083	NUM
hassl-3515	222	52	cmin	cmin	NOUN
hassl-3515	222	53	before	before	ADP
hassl-3515	222	54	modification	modification	NOUN
hassl-3515	222	55	index	index	NOUN
hassl-3515	222	56	836.589	836.589	NUM
hassl-3515	222	57	cmin	cmin	NOUN
hassl-3515	222	58	after	after	ADP
hassl-3515	222	59	modification	modification	NOUN
hassl-3515	222	60	index	index	NOUN
hassl-3515	222	61	501.919	501.919	NUM
hassl-3515	222	62	then	then	ADV
hassl-3515	222	63	,	,	PUNCT
hassl-3515	222	64	the	the	DET
hassl-3515	222	65	next	next	ADJ
hassl-3515	222	66	step	step	NOUN
hassl-3515	222	67	checks	check	VERB
hassl-3515	222	68	the	the	DET
hassl-3515	222	69	fit	fit	NOUN
hassl-3515	222	70	,	,	PUNCT
hassl-3515	222	71	as	as	ADP
hassl-3515	222	72	table	table	NOUN
hassl-3515	222	73	6	6	NUM
hassl-3515	222	74	presents	present	NOUN
hassl-3515	222	75	.	.	PUNCT
hassl-3515	223	1	in	in	ADP
hassl-3515	223	2	this	this	DET
hassl-3515	223	3	table	table	NOUN
hassl-3515	223	4	,	,	PUNCT
hassl-3515	223	5	cmin	cmin	NOUN
hassl-3515	223	6	/	/	SYM
hassl-3515	223	7	df	df	PROPN
hassl-3515	223	8	displays	display	VERB
hassl-3515	223	9	2.548	2.548	NUM
hassl-3515	223	10	,	,	PUNCT
hassl-3515	223	11	still	still	ADV
hassl-3515	223	12	in	in	ADP
hassl-3515	223	13	the	the	DET
hassl-3515	223	14	acceptable	acceptable	ADJ
hassl-3515	223	15	range	range	NOUN
hassl-3515	223	16	from	from	ADP
hassl-3515	223	17	two	two	NUM
hassl-3515	223	18	to	to	PART
hassl-3515	223	19	five	five	NUM
hassl-3515	223	20	(	(	PUNCT
hassl-3515	223	21	ghozali	ghozali	ADJ
hassl-3515	223	22	,	,	PUNCT
hassl-3515	223	23	2017	2017	NUM
hassl-3515	223	24	)	)	PUNCT
hassl-3515	223	25	.	.	PUNCT
hassl-3515	224	1	additionally	additionally	ADV
hassl-3515	224	2	,	,	PUNCT
hassl-3515	224	3	tli	tli	PROPN
hassl-3515	224	4	and	and	CCONJ
hassl-3515	224	5	cfi	cfi	PROPN
hassl-3515	224	6	are	be	AUX
hassl-3515	224	7	0.909	0.909	NUM
hassl-3515	224	8	and	and	CCONJ
hassl-3515	224	9	0.922	0.922	NUM
hassl-3515	224	10	,	,	PUNCT
hassl-3515	224	11	exceeding	exceed	VERB
hassl-3515	224	12	0.9	0.9	NUM
hassl-3515	224	13	,	,	PUNCT
hassl-3515	224	14	as	as	SCONJ
hassl-3515	224	15	ghozali	ghozali	ADJ
hassl-3515	224	16	(	(	PUNCT
hassl-3515	224	17	2017	2017	NUM
hassl-3515	224	18	)	)	PUNCT
hassl-3515	224	19	compels	compel	VERB
hassl-3515	224	20	.	.	PUNCT
hassl-3515	225	1	besides	besides	SCONJ
hassl-3515	225	2	,	,	PUNCT
hassl-3515	225	3	pgfi	pgfi	PROPN
hassl-3515	225	4	,	,	PUNCT
hassl-3515	225	5	pnfi	pnfi	NOUN
hassl-3515	225	6	,	,	PUNCT
hassl-3515	225	7	and	and	CCONJ
hassl-3515	225	8	pcgi	pcgi	NOUN
hassl-3515	225	9	are	be	AUX
hassl-3515	225	10	0.560	0.560	NUM
hassl-3515	225	11	,	,	PUNCT
hassl-3515	225	12	0.750	0.750	NUM
hassl-3515	225	13	,	,	PUNCT
hassl-3515	225	14	and	and	CCONJ
hassl-3515	225	15	0.787	0.787	NUM
hassl-3515	225	16	,	,	PUNCT
hassl-3515	225	17	still	still	ADV
hassl-3515	225	18	above	above	ADP
hassl-3515	225	19	0.5	0.5	NUM
hassl-3515	225	20	,	,	PUNCT
hassl-3515	225	21	as	as	ADP
hassl-3515	225	22	dash	dash	NOUN
hassl-3515	225	23	and	and	CCONJ
hassl-3515	225	24	paul	paul	PROPN
hassl-3515	225	25	(	(	PUNCT
hassl-3515	225	26	2021	2021	NUM
hassl-3515	225	27	)	)	PUNCT
hassl-3515	225	28	highlight	highlight	INTJ
hassl-3515	225	29	.	.	PUNCT
hassl-3515	226	1	hence	hence	ADV
hassl-3515	226	2	,	,	PUNCT
hassl-3515	226	3	the	the	DET
hassl-3515	226	4	model	model	NOUN
hassl-3515	226	5	is	be	AUX
hassl-3515	226	6	apt	apt	ADJ
hassl-3515	226	7	for	for	ADP
hassl-3515	226	8	the	the	DET
hassl-3515	226	9	empirical	empirical	ADJ
hassl-3515	226	10	data	datum	NOUN
hassl-3515	226	11	.	.	PUNCT
hassl-3515	227	1	humanities	humanity	NOUN
hassl-3515	227	2	and	and	CCONJ
hassl-3515	227	3	social	social	ADJ
hassl-3515	227	4	sciences	science	NOUN
hassl-3515	227	5	letters	letter	NOUN
hassl-3515	227	6	,	,	PUNCT
hassl-3515	227	7	2023	2023	NUM
hassl-3515	227	8	,	,	PUNCT
hassl-3515	227	9	11(3	11(3	NUM
hassl-3515	227	10	):	):	PUNCT
hassl-3515	227	11	349	349	NUM
hassl-3515	227	12	-	-	SYM
hassl-3515	227	13	361	361	NUM
hassl-3515	227	14	357	357	NUM
hassl-3515	227	15	©	©	PROPN
hassl-3515	227	16	2023	2023	NUM
hassl-3515	227	17	conscientia	conscientia	PROPN
hassl-3515	227	18	beam	beam	PROPN
hassl-3515	227	19	.	.	PUNCT
hassl-3515	228	1	all	all	DET
hassl-3515	228	2	rights	right	NOUN
hassl-3515	228	3	reserved	reserve	VERB
hassl-3515	228	4	.	.	PUNCT
hassl-3515	229	1	table	table	NOUN
hassl-3515	229	2	6	6	NUM
hassl-3515	229	3	.	.	PUNCT
hassl-3515	230	1	the	the	DET
hassl-3515	230	2	goodness	goodness	NOUN
hassl-3515	230	3	of	of	ADP
hassl-3515	230	4	fit	fit	ADJ
hassl-3515	230	5	measurement	measurement	NOUN
hassl-3515	230	6	result	result	NOUN
hassl-3515	230	7	measurement	measurement	NOUN
hassl-3515	230	8	result	result	VERB
hassl-3515	230	9	acceptable	acceptable	ADJ
hassl-3515	230	10	value	value	NOUN
hassl-3515	230	11	interpretation	interpretation	NOUN
hassl-3515	230	12	cmin	cmin	PROPN
hassl-3515	230	13	/	/	SYM
hassl-3515	230	14	df	df	PROPN
hassl-3515	230	15	2.548	2.548	NUM
hassl-3515	230	16	between	between	ADP
hassl-3515	230	17	two	two	NUM
hassl-3515	230	18	and	and	CCONJ
hassl-3515	230	19	five	five	NUM
hassl-3515	230	20	(	(	PUNCT
hassl-3515	230	21	ghozali	ghozali	ADJ
hassl-3515	230	22	,	,	PUNCT
hassl-3515	230	23	2017	2017	NUM
hassl-3515	230	24	)	)	PUNCT
hassl-3515	230	25	model	model	NOUN
hassl-3515	230	26	fits	fit	VERB
hassl-3515	230	27	data	datum	NOUN
hassl-3515	230	28	.	.	PUNCT
hassl-3515	231	1	tli	tli	PROPN
hassl-3515	231	2	0.909	0.909	NUM
hassl-3515	231	3	above	above	ADP
hassl-3515	231	4	0.9	0.9	NUM
hassl-3515	231	5	(	(	PUNCT
hassl-3515	231	6	ghozali	ghozali	PROPN
hassl-3515	231	7	,	,	PUNCT
hassl-3515	231	8	2017	2017	NUM
hassl-3515	231	9	)	)	PUNCT
hassl-3515	231	10	model	model	NOUN
hassl-3515	231	11	fits	fit	VERB
hassl-3515	231	12	data	datum	NOUN
hassl-3515	231	13	.	.	PUNCT
hassl-3515	232	1	cfi	cfi	PROPN
hassl-3515	232	2	0.922	0.922	NUM
hassl-3515	232	3	above	above	ADP
hassl-3515	232	4	0.9	0.9	NUM
hassl-3515	232	5	(	(	PUNCT
hassl-3515	232	6	ghozali	ghozali	PROPN
hassl-3515	232	7	,	,	PUNCT
hassl-3515	232	8	2017	2017	NUM
hassl-3515	232	9	)	)	PUNCT
hassl-3515	232	10	model	model	NOUN
hassl-3515	232	11	fits	fit	VERB
hassl-3515	232	12	data	datum	NOUN
hassl-3515	232	13	.	.	PUNCT
hassl-3515	233	1	pgfi	pgfi	PROPN
hassl-3515	233	2	0.560	0.560	NUM
hassl-3515	233	3	above	above	ADP
hassl-3515	233	4	0.5	0.5	NUM
hassl-3515	233	5	(	(	PUNCT
hassl-3515	233	6	dash	dash	NOUN
hassl-3515	233	7	&	&	CCONJ
hassl-3515	233	8	paul	paul	PROPN
hassl-3515	233	9	,	,	PUNCT
hassl-3515	233	10	2021	2021	NUM
hassl-3515	233	11	)	)	PUNCT
hassl-3515	233	12	model	model	NOUN
hassl-3515	233	13	fits	fit	VERB
hassl-3515	233	14	data	datum	NOUN
hassl-3515	233	15	.	.	PUNCT
hassl-3515	234	1	pnfi	pnfi	NOUN
hassl-3515	234	2	0.750	0.750	NUM
hassl-3515	234	3	pcfi	pcfi	NOUN
hassl-3515	234	4	0.787	0.787	NUM
hassl-3515	234	5	table	table	NOUN
hassl-3515	234	6	7	7	NUM
hassl-3515	234	7	presents	present	VERB
hassl-3515	234	8	the	the	DET
hassl-3515	234	9	structural	structural	ADJ
hassl-3515	234	10	equation	equation	NOUN
hassl-3515	234	11	model	model	NOUN
hassl-3515	234	12	estimation	estimation	NOUN
hassl-3515	234	13	based	base	VERB
hassl-3515	234	14	on	on	ADP
hassl-3515	234	15	covariance	covariance	NOUN
hassl-3515	234	16	and	and	CCONJ
hassl-3515	234	17	the	the	DET
hassl-3515	234	18	probability	probability	NOUN
hassl-3515	234	19	(	(	PUNCT
hassl-3515	234	20	one	one	NUM
hassl-3515	234	21	-	-	PUNCT
hassl-3515	234	22	tailed	tail	VERB
hassl-3515	234	23	)	)	PUNCT
hassl-3515	234	24	of	of	ADP
hassl-3515	234	25	a	a	DET
hassl-3515	234	26	critical	critical	ADJ
hassl-3515	234	27	ratio	ratio	NOUN
hassl-3515	234	28	for	for	ADP
hassl-3515	234	29	the	the	DET
hassl-3515	234	30	fl	fl	PROPN
hassl-3515	234	31	,	,	PUNCT
hassl-3515	234	32	sc	sc	PROPN
hassl-3515	234	33	,	,	PUNCT
hassl-3515	234	34	and	and	CCONJ
hassl-3515	234	35	se	se	X
hassl-3515	234	36	having	have	VERB
hassl-3515	234	37	a	a	DET
hassl-3515	234	38	negative	negative	ADJ
hassl-3515	234	39	sign	sign	NOUN
hassl-3515	234	40	below	below	ADP
hassl-3515	234	41	5	5	NUM
hassl-3515	234	42	%	%	NOUN
hassl-3515	234	43	:	:	PUNCT
hassl-3515	234	44	0.000	0.000	NUM
hassl-3515	234	45	,	,	PUNCT
hassl-3515	234	46	0.026	0.026	NUM
hassl-3515	234	47	,	,	PUNCT
hassl-3515	234	48	and	and	CCONJ
hassl-3515	234	49	0.003	0.003	NUM
hassl-3515	234	50	:	:	PUNCT
hassl-3515	234	51	financial	financial	ADJ
hassl-3515	234	52	literacy	literacy	NOUN
hassl-3515	234	53	,	,	PUNCT
hassl-3515	234	54	self	self	NOUN
hassl-3515	234	55	-	-	PUNCT
hassl-3515	234	56	control	control	NOUN
hassl-3515	234	57	,	,	PUNCT
hassl-3515	234	58	and	and	CCONJ
hassl-3515	234	59	self	self	NOUN
hassl-3515	234	60	-	-	PUNCT
hassl-3515	234	61	esteem	esteem	NOUN
hassl-3515	234	62	negatively	negatively	ADV
hassl-3515	234	63	influence	influence	NOUN
hassl-3515	234	64	credit	credit	NOUN
hassl-3515	234	65	card	card	NOUN
hassl-3515	234	66	utilization	utilization	NOUN
hassl-3515	234	67	.	.	PUNCT
hassl-3515	235	1	meanwhile	meanwhile	ADV
hassl-3515	235	2	,	,	PUNCT
hassl-3515	235	3	the	the	DET
hassl-3515	235	4	positive	positive	ADJ
hassl-3515	235	5	sign	sign	NOUN
hassl-3515	235	6	of	of	ADP
hassl-3515	235	7	gender	gender	NOUN
hassl-3515	235	8	with	with	ADP
hassl-3515	235	9	a	a	DET
hassl-3515	235	10	probability	probability	NOUN
hassl-3515	235	11	(	(	PUNCT
hassl-3515	235	12	one	one	NUM
hassl-3515	235	13	-	-	PUNCT
hassl-3515	235	14	tailed	tail	VERB
hassl-3515	235	15	)	)	PUNCT
hassl-3515	235	16	below	below	ADP
hassl-3515	235	17	5	5	NUM
hassl-3515	235	18	%	%	NOUN
hassl-3515	235	19	exists	exist	VERB
hassl-3515	235	20	,	,	PUNCT
hassl-3515	235	21	0.009	0.009	NUM
hassl-3515	235	22	:	:	PUNCT
hassl-3515	235	23	unlike	unlike	ADP
hassl-3515	235	24	males	male	NOUN
hassl-3515	235	25	,	,	PUNCT
hassl-3515	235	26	females	female	NOUN
hassl-3515	235	27	tend	tend	VERB
hassl-3515	235	28	to	to	PART
hassl-3515	235	29	utilize	utilize	VERB
hassl-3515	235	30	credit	credit	NOUN
hassl-3515	235	31	cards	card	NOUN
hassl-3515	235	32	.	.	PUNCT
hassl-3515	236	1	also	also	ADV
hassl-3515	236	2	,	,	PUNCT
hassl-3515	236	3	the	the	DET
hassl-3515	236	4	r	r	NOUN
hassl-3515	236	5	-	-	PUNCT
hassl-3515	236	6	square	square	NOUN
hassl-3515	236	7	is	be	AUX
hassl-3515	236	8	near	near	ADP
hassl-3515	236	9	100	100	NUM
hassl-3515	236	10	%	%	NOUN
hassl-3515	236	11	:	:	PUNCT
hassl-3515	236	12	0.942	0.942	NUM
hassl-3515	236	13	:	:	PUNCT
hassl-3515	236	14	the	the	DET
hassl-3515	236	15	contribution	contribution	NOUN
hassl-3515	236	16	of	of	ADP
hassl-3515	236	17	fl	fl	PROPN
hassl-3515	236	18	,	,	PUNCT
hassl-3515	236	19	sc	sc	PROPN
hassl-3515	236	20	,	,	PUNCT
hassl-3515	236	21	se	se	ADV
hassl-3515	236	22	,	,	PUNCT
hassl-3515	236	23	and	and	CCONJ
hassl-3515	236	24	gender	gender	NOUN
hassl-3515	236	25	to	to	ADP
hassl-3515	236	26	explaining	explain	VERB
hassl-3515	236	27	credit	credit	NOUN
hassl-3515	236	28	card	card	NOUN
hassl-3515	236	29	utilization	utilization	NOUN
hassl-3515	236	30	is	be	AUX
hassl-3515	236	31	enormous	enormous	ADJ
hassl-3515	236	32	.	.	PUNCT
hassl-3515	237	1	table	table	NOUN
hassl-3515	237	2	7	7	NUM
hassl-3515	237	3	.	.	PUNCT
hassl-3515	238	1	the	the	DET
hassl-3515	238	2	estimation	estimation	NOUN
hassl-3515	238	3	result	result	NOUN
hassl-3515	238	4	of	of	ADP
hassl-3515	238	5	the	the	DET
hassl-3515	238	6	structural	structural	ADJ
hassl-3515	238	7	equation	equation	NOUN
hassl-3515	238	8	model	model	NOUN
hassl-3515	238	9	based	base	VERB
hassl-3515	238	10	on	on	ADP
hassl-3515	238	11	covariance	covariance	NOUN
hassl-3515	238	12	.	.	PUNCT
hassl-3515	239	1	structural	structural	ADJ
hassl-3515	239	2	relationship	relationship	NOUN
hassl-3515	239	3	unstandardized	unstandardized	ADJ
hassl-3515	239	4	coefficient	coefficient	NOUN
hassl-3515	239	5	standard	standard	ADJ
hassl-3515	239	6	error	error	NOUN
hassl-3515	239	7	critical	critical	ADJ
hassl-3515	239	8	ratio	ratio	NOUN
hassl-3515	239	9	probability	probability	NOUN
hassl-3515	239	10	2	2	NUM
hassl-3515	239	11	-	-	PUNCT
hassl-3515	239	12	tailed	tail	VERB
hassl-3515	239	13	1	1	NUM
hassl-3515	239	14	-	-	PUNCT
hassl-3515	239	15	tailed	tail	VERB
hassl-3515	239	16	fl	fl	NOUN
hassl-3515	239	17	→	→	SYM
hassl-3515	239	18	ccu	ccu	PROPN
hassl-3515	239	19	-0.583	-0.583	NUM
hassl-3515	239	20	0.051	0.051	NUM
hassl-3515	239	21	-11.442	-11.442	NUM
hassl-3515	239	22	0.000	0.000	NUM
hassl-3515	239	23	0.000	0.000	NUM
hassl-3515	239	24	sc	sc	PROPN
hassl-3515	239	25	→	→	SYM
hassl-3515	239	26	ccu	ccu	PROPN
hassl-3515	239	27	-0.109	-0.109	PROPN
hassl-3515	239	28	0.056	0.056	NUM
hassl-3515	239	29	-1.955	-1.955	NUM
hassl-3515	239	30	0.051	0.051	NUM
hassl-3515	239	31	0.026	0.026	NUM
hassl-3515	239	32	se	se	X
hassl-3515	239	33	→	→	SYM
hassl-3515	239	34	ccu	ccu	PROPN
hassl-3515	239	35	-0.216	-0.216	PUNCT
hassl-3515	239	36	0.078	0.078	NUM
hassl-3515	239	37	-2.771	-2.771	NOUN
hassl-3515	239	38	0.006	0.006	NUM
hassl-3515	239	39	0.003	0.003	NUM
hassl-3515	239	40	gender	gender	NOUN
hassl-3515	239	41	→	→	SYM
hassl-3515	239	42	ccu	ccu	PROPN
hassl-3515	239	43	0.254	0.254	NUM
hassl-3515	239	44	0.107	0.107	NUM
hassl-3515	239	45	2.378	2.378	NUM
hassl-3515	239	46	0.017	0.017	NUM
hassl-3515	239	47	0.009	0.009	NUM
hassl-3515	239	48	r	r	X
hassl-3515	239	49	-	-	PUNCT
hassl-3515	239	50	square	square	ADJ
hassl-3515	239	51	0.942	0.942	NUM
hassl-3515	239	52	5	5	NUM
hassl-3515	239	53	.	.	PUNCT
hassl-3515	240	1	discussion	discussion	NOUN
hassl-3515	240	2	the	the	DET
hassl-3515	240	3	first	first	ADJ
hassl-3515	240	4	hypothesis	hypothesis	NOUN
hassl-3515	240	5	testing	testing	NOUN
hassl-3515	240	6	result	result	NOUN
hassl-3515	240	7	displays	display	VERB
hassl-3515	240	8	that	that	SCONJ
hassl-3515	240	9	financial	financial	ADJ
hassl-3515	240	10	literacy	literacy	NOUN
hassl-3515	240	11	negatively	negatively	ADV
hassl-3515	240	12	affects	affect	VERB
hassl-3515	240	13	credit	credit	NOUN
hassl-3515	240	14	card	card	NOUN
hassl-3515	240	15	utilization	utilization	NOUN
hassl-3515	240	16	:	:	PUNCT
hassl-3515	240	17	the	the	DET
hassl-3515	240	18	more	more	ADV
hassl-3515	240	19	literate	literate	ADJ
hassl-3515	240	20	people	people	NOUN
hassl-3515	240	21	are	be	AUX
hassl-3515	240	22	,	,	PUNCT
hassl-3515	240	23	the	the	PRON
hassl-3515	240	24	less	less	ADV
hassl-3515	240	25	they	they	PRON
hassl-3515	240	26	tend	tend	VERB
hassl-3515	240	27	to	to	PART
hassl-3515	240	28	utilize	utilize	VERB
hassl-3515	240	29	it	it	PRON
hassl-3515	240	30	.	.	PUNCT
hassl-3515	241	1	financial	financial	ADJ
hassl-3515	241	2	literacy	literacy	NOUN
hassl-3515	241	3	in	in	ADP
hassl-3515	241	4	credit	credit	NOUN
hassl-3515	241	5	cards	card	NOUN
hassl-3515	241	6	informs	inform	VERB
hassl-3515	241	7	users	user	NOUN
hassl-3515	241	8	not	not	PART
hassl-3515	241	9	to	to	PART
hassl-3515	241	10	use	use	VERB
hassl-3515	241	11	credit	credit	NOUN
hassl-3515	241	12	cards	card	NOUN
hassl-3515	241	13	excessively	excessively	ADV
hassl-3515	241	14	because	because	SCONJ
hassl-3515	241	15	of	of	ADP
hassl-3515	241	16	the	the	DET
hassl-3515	241	17	future	future	ADJ
hassl-3515	241	18	burden	burden	NOUN
hassl-3515	241	19	.	.	PUNCT
hassl-3515	242	1	the	the	DET
hassl-3515	242	2	non	non	ADJ
hassl-3515	242	3	-	-	ADJ
hassl-3515	242	4	converting	converting	ADJ
hassl-3515	242	5	actions	action	NOUN
hassl-3515	242	6	reflect	reflect	VERB
hassl-3515	242	7	this	this	DET
hassl-3515	242	8	principle	principle	NOUN
hassl-3515	242	9	because	because	SCONJ
hassl-3515	242	10	of	of	ADP
hassl-3515	242	11	the	the	DET
hassl-3515	242	12	whole	whole	ADJ
hassl-3515	242	13	payment	payment	NOUN
hassl-3515	242	14	ability	ability	NOUN
hassl-3515	242	15	(	(	PUNCT
hassl-3515	242	16	hussin	hussin	NOUN
hassl-3515	242	17	et	et	PROPN
hassl-3515	242	18	al	al	PROPN
hassl-3515	242	19	.	.	PROPN
hassl-3515	242	20	,	,	PUNCT
hassl-3515	242	21	2013	2013	NUM
hassl-3515	242	22	)	)	PUNCT
hassl-3515	242	23	.	.	PUNCT
hassl-3515	243	1	the	the	DET
hassl-3515	243	2	actions	action	NOUN
hassl-3515	243	3	of	of	ADP
hassl-3515	243	4	the	the	DET
hassl-3515	243	5	credit	credit	NOUN
hassl-3515	243	6	card	card	NOUN
hassl-3515	243	7	users	user	NOUN
hassl-3515	243	8	in	in	ADP
hassl-3515	243	9	this	this	DET
hassl-3515	243	10	study	study	NOUN
hassl-3515	243	11	are	be	AUX
hassl-3515	243	12	evidence	evidence	NOUN
hassl-3515	243	13	of	of	ADP
hassl-3515	243	14	this	this	DET
hassl-3515	243	15	situation	situation	NOUN
hassl-3515	243	16	:	:	PUNCT
hassl-3515	243	17	most	most	ADJ
hassl-3515	243	18	of	of	ADP
hassl-3515	243	19	them	they	PRON
hassl-3515	243	20	do	do	AUX
hassl-3515	243	21	not	not	PART
hassl-3515	243	22	convert	convert	VERB
hassl-3515	243	23	the	the	DET
hassl-3515	243	24	transaction	transaction	NOUN
hassl-3515	243	25	amount	amount	NOUN
hassl-3515	243	26	:	:	PUNCT
hassl-3515	243	27	63.33	63.33	NUM
hassl-3515	243	28	%	%	NOUN
hassl-3515	243	29	of	of	ADP
hassl-3515	243	30	120	120	NUM
hassl-3515	243	31	people	people	NOUN
hassl-3515	243	32	(	(	PUNCT
hassl-3515	243	33	see	see	VERB
hassl-3515	243	34	table	table	NOUN
hassl-3515	243	35	8)	8)	NUM
hassl-3515	243	36	.	.	PUNCT
hassl-3515	244	1	by	by	ADP
hassl-3515	244	2	doing	do	VERB
hassl-3515	244	3	so	so	ADV
hassl-3515	244	4	,	,	PUNCT
hassl-3515	244	5	they	they	PRON
hassl-3515	244	6	are	be	AUX
hassl-3515	244	7	not	not	PART
hassl-3515	244	8	charged	charge	VERB
hassl-3515	244	9	the	the	DET
hassl-3515	244	10	interest	interest	NOUN
hassl-3515	244	11	on	on	ADP
hassl-3515	244	12	the	the	DET
hassl-3515	244	13	bill	bill	NOUN
hassl-3515	244	14	left	leave	VERB
hassl-3515	244	15	.	.	PUNCT
hassl-3515	245	1	table	table	NOUN
hassl-3515	245	2	8	8	NUM
hassl-3515	245	3	.	.	PUNCT
hassl-3515	246	1	the	the	DET
hassl-3515	246	2	respondents	respondent	NOUN
hassl-3515	246	3	with	with	ADP
hassl-3515	246	4	unchanging	unchanging	ADJ
hassl-3515	246	5	and	and	CCONJ
hassl-3515	246	6	changing	change	VERB
hassl-3515	246	7	transactional	transactional	ADJ
hassl-3515	246	8	decisions	decision	NOUN
hassl-3515	246	9	into	into	ADP
hassl-3515	246	10	an	an	DET
hassl-3515	246	11	installment	installment	NOUN
hassl-3515	246	12	.	.	PUNCT
hassl-3515	247	1	description	description	NOUN
hassl-3515	247	2	total	total	ADJ
hassl-3515	247	3	response	response	NOUN
hassl-3515	247	4	portion	portion	NOUN
hassl-3515	247	5	the	the	DET
hassl-3515	247	6	decision	decision	NOUN
hassl-3515	247	7	not	not	PART
hassl-3515	247	8	to	to	PART
hassl-3515	247	9	change	change	VERB
hassl-3515	247	10	the	the	DET
hassl-3515	247	11	transaction	transaction	NOUN
hassl-3515	247	12	into	into	ADP
hassl-3515	247	13	an	an	DET
hassl-3515	247	14	installment	installment	NOUN
hassl-3515	247	15	76	76	NUM
hassl-3515	247	16	63.33	63.33	NUM
hassl-3515	247	17	%	%	NOUN
hassl-3515	247	18	the	the	DET
hassl-3515	247	19	decision	decision	NOUN
hassl-3515	247	20	to	to	PART
hassl-3515	247	21	change	change	VERB
hassl-3515	247	22	the	the	DET
hassl-3515	247	23	transaction	transaction	NOUN
hassl-3515	247	24	into	into	ADP
hassl-3515	247	25	an	an	DET
hassl-3515	247	26	installment	installment	NOUN
hassl-3515	247	27	44	44	NUM
hassl-3515	247	28	36.67	36.67	NUM
hassl-3515	247	29	%	%	NOUN
hassl-3515	247	30	source	source	NOUN
hassl-3515	247	31	:	:	PUNCT
hassl-3515	247	32	primary	primary	ADJ
hassl-3515	247	33	data	datum	NOUN
hassl-3515	247	34	processed	process	VERB
hassl-3515	247	35	.	.	PUNCT
hassl-3515	248	1	this	this	DET
hassl-3515	248	2	circumstance	circumstance	NOUN
hassl-3515	248	3	happens	happen	VERB
hassl-3515	248	4	because	because	SCONJ
hassl-3515	248	5	the	the	DET
hassl-3515	248	6	respondents	respondent	NOUN
hassl-3515	248	7	in	in	ADP
hassl-3515	248	8	this	this	DET
hassl-3515	248	9	research	research	NOUN
hassl-3515	248	10	work	work	NOUN
hassl-3515	248	11	in	in	ADP
hassl-3515	248	12	the	the	DET
hassl-3515	248	13	banking	banking	NOUN
hassl-3515	248	14	industry	industry	NOUN
hassl-3515	248	15	.	.	PUNCT
hassl-3515	249	1	indeed	indeed	ADV
hassl-3515	249	2	,	,	PUNCT
hassl-3515	249	3	they	they	PRON
hassl-3515	249	4	deeply	deeply	ADV
hassl-3515	249	5	understand	understand	VERB
hassl-3515	249	6	financial	financial	ADJ
hassl-3515	249	7	literacy	literacy	NOUN
hassl-3515	249	8	about	about	ADP
hassl-3515	249	9	credit	credit	NOUN
hassl-3515	249	10	cards	card	NOUN
hassl-3515	249	11	,	,	PUNCT
hassl-3515	249	12	as	as	SCONJ
hassl-3515	249	13	reflected	reflect	VERB
hassl-3515	249	14	by	by	ADP
hassl-3515	249	15	their	their	PRON
hassl-3515	249	16	correct	correct	ADJ
hassl-3515	249	17	answer	answer	NOUN
hassl-3515	249	18	at	at	ADP
hassl-3515	249	19	the	the	DET
hassl-3515	249	20	high	high	ADJ
hassl-3515	249	21	level	level	NOUN
hassl-3515	249	22	above	above	ADP
hassl-3515	249	23	80	80	NUM
hassl-3515	249	24	%	%	NOUN
hassl-3515	249	25	,	,	PUNCT
hassl-3515	249	26	ranging	range	VERB
hassl-3515	249	27	from	from	ADP
hassl-3515	249	28	81.67	81.67	NUM
hassl-3515	249	29	%	%	NOUN
hassl-3515	249	30	to	to	ADP
hassl-3515	249	31	87.5	87.5	NUM
hassl-3515	249	32	%	%	NOUN
hassl-3515	249	33	(	(	PUNCT
hassl-3515	249	34	see	see	VERB
hassl-3515	249	35	table	table	NOUN
hassl-3515	249	36	9	9	NUM
hassl-3515	249	37	)	)	PUNCT
hassl-3515	249	38	.	.	PUNCT
hassl-3515	250	1	with	with	ADP
hassl-3515	250	2	this	this	DET
hassl-3515	250	3	knowledge	knowledge	NOUN
hassl-3515	250	4	,	,	PUNCT
hassl-3515	250	5	they	they	PRON
hassl-3515	250	6	carefully	carefully	ADV
hassl-3515	250	7	and	and	CCONJ
hassl-3515	250	8	responsibly	responsibly	ADV
hassl-3515	250	9	use	use	VERB
hassl-3515	250	10	their	their	PRON
hassl-3515	250	11	cards	card	NOUN
hassl-3515	250	12	,	,	PUNCT
hassl-3515	250	13	reducing	reduce	VERB
hassl-3515	250	14	their	their	PRON
hassl-3515	250	15	usage	usage	NOUN
hassl-3515	250	16	.	.	PUNCT
hassl-3515	251	1	despite	despite	SCONJ
hassl-3515	251	2	utilizing	utilize	VERB
hassl-3515	251	3	different	different	ADJ
hassl-3515	251	4	respondents	respondent	NOUN
hassl-3515	251	5	,	,	PUNCT
hassl-3515	251	6	this	this	DET
hassl-3515	251	7	study	study	NOUN
hassl-3515	251	8	aligns	align	VERB
hassl-3515	251	9	with	with	ADP
hassl-3515	251	10	robb	robb	NOUN
hassl-3515	251	11	(	(	PUNCT
hassl-3515	251	12	2011	2011	NUM
hassl-3515	251	13	)	)	PUNCT
hassl-3515	251	14	,	,	PUNCT
hassl-3515	251	15	using	use	VERB
hassl-3515	251	16	1,354	1,354	NUM
hassl-3515	251	17	college	college	NOUN
hassl-3515	251	18	students	student	NOUN
hassl-3515	251	19	as	as	ADP
hassl-3515	251	20	samples	sample	NOUN
hassl-3515	251	21	,	,	PUNCT
hassl-3515	251	22	hernández	hernández	PROPN
hassl-3515	251	23	-	-	PUNCT
hassl-3515	251	24	mejía	mejía	NOUN
hassl-3515	251	25	et	et	PROPN
hassl-3515	251	26	al	al	PROPN
hassl-3515	251	27	.	.	PROPN
hassl-3515	252	1	(	(	PUNCT
hassl-3515	252	2	2021	2021	NUM
hassl-3515	252	3	)	)	PUNCT
hassl-3515	252	4	with	with	ADP
hassl-3515	252	5	2,170	2,170	NUM
hassl-3515	252	6	mexicans	mexican	NOUN
hassl-3515	252	7	as	as	ADP
hassl-3515	252	8	samples	sample	NOUN
hassl-3515	252	9	,	,	PUNCT
hassl-3515	252	10	and	and	CCONJ
hassl-3515	252	11	uddin	uddin	PROPN
hassl-3515	252	12	(	(	PUNCT
hassl-3515	252	13	2021	2021	NUM
hassl-3515	252	14	)	)	PUNCT
hassl-3515	252	15	utilizing	utilize	VERB
hassl-3515	252	16	200	200	NUM
hassl-3515	252	17	omanis	omani	NOUN
hassl-3515	252	18	as	as	ADP
hassl-3515	252	19	samples	sample	NOUN
hassl-3515	252	20	.	.	PUNCT
hassl-3515	253	1	these	these	DET
hassl-3515	253	2	three	three	NUM
hassl-3515	253	3	researchers	researcher	NOUN
hassl-3515	253	4	demonstrate	demonstrate	VERB
hassl-3515	253	5	the	the	DET
hassl-3515	253	6	negative	negative	ADJ
hassl-3515	253	7	tendency	tendency	NOUN
hassl-3515	253	8	of	of	ADP
hassl-3515	253	9	financial	financial	ADJ
hassl-3515	253	10	literacy	literacy	NOUN
hassl-3515	253	11	toward	toward	ADP
hassl-3515	253	12	credit	credit	NOUN
hassl-3515	253	13	card	card	NOUN
hassl-3515	253	14	utilization	utilization	NOUN
hassl-3515	253	15	.	.	PUNCT
hassl-3515	254	1	also	also	ADV
hassl-3515	254	2	,	,	PUNCT
hassl-3515	254	3	this	this	DET
hassl-3515	254	4	investigation	investigation	NOUN
hassl-3515	254	5	affirms	affirm	VERB
hassl-3515	254	6	chen	chen	PROPN
hassl-3515	254	7	et	et	PROPN
hassl-3515	254	8	al	al	PROPN
hassl-3515	254	9	.	.	PROPN
hassl-3515	255	1	(	(	PUNCT
hassl-3515	255	2	2023	2023	NUM
hassl-3515	255	3	)	)	PUNCT
hassl-3515	255	4	displaying	display	VERB
hassl-3515	255	5	the	the	DET
hassl-3515	255	6	positive	positive	ADJ
hassl-3515	255	7	and	and	CCONJ
hassl-3515	255	8	negative	negative	ADJ
hassl-3515	255	9	effects	effect	NOUN
hassl-3515	255	10	of	of	ADP
hassl-3515	255	11	financial	financial	ADJ
hassl-3515	255	12	literacy	literacy	NOUN
hassl-3515	255	13	on	on	ADP
hassl-3515	255	14	upright	upright	ADJ
hassl-3515	255	15	and	and	CCONJ
hassl-3515	255	16	unexpected	unexpected	ADJ
hassl-3515	255	17	ccus	ccus	NOUN
hassl-3515	255	18	,	,	PUNCT
hassl-3515	255	19	respectively	respectively	ADV
hassl-3515	255	20	,	,	PUNCT
hassl-3515	255	21	after	after	ADP
hassl-3515	255	22	researching	research	VERB
hassl-3515	255	23	the	the	DET
hassl-3515	255	24	national	national	ADJ
hassl-3515	255	25	financial	financial	ADJ
hassl-3515	255	26	capability	capability	NOUN
hassl-3515	255	27	databases	database	NOUN
hassl-3515	255	28	in	in	ADP
hassl-3515	255	29	the	the	DET
hassl-3515	255	30	united	united	PROPN
hassl-3515	255	31	states	states	PROPN
hassl-3515	255	32	.	.	PUNCT
hassl-3515	256	1	humanities	humanity	NOUN
hassl-3515	256	2	and	and	CCONJ
hassl-3515	256	3	social	social	ADJ
hassl-3515	256	4	sciences	science	NOUN
hassl-3515	256	5	letters	letter	NOUN
hassl-3515	256	6	,	,	PUNCT
hassl-3515	256	7	2023	2023	NUM
hassl-3515	256	8	,	,	PUNCT
hassl-3515	256	9	11(3	11(3	NUM
hassl-3515	256	10	):	):	PUNCT
hassl-3515	256	11	349	349	NUM
hassl-3515	256	12	-	-	SYM
hassl-3515	256	13	361	361	NUM
hassl-3515	256	14	358	358	NUM
hassl-3515	256	15	©	©	PROPN
hassl-3515	256	16	2023	2023	NUM
hassl-3515	256	17	conscientia	conscientia	PROPN
hassl-3515	256	18	beam	beam	PROPN
hassl-3515	256	19	.	.	PUNCT
hassl-3515	257	1	all	all	DET
hassl-3515	257	2	rights	right	NOUN
hassl-3515	257	3	reserved	reserve	VERB
hassl-3515	257	4	.	.	PUNCT
hassl-3515	258	1	table	table	NOUN
hassl-3515	258	2	9	9	NUM
hassl-3515	258	3	.	.	PUNCT
hassl-3515	259	1	the	the	DET
hassl-3515	259	2	correct	correct	ADJ
hassl-3515	259	3	response	response	NOUN
hassl-3515	259	4	to	to	ADP
hassl-3515	259	5	the	the	DET
hassl-3515	259	6	credit	credit	NOUN
hassl-3515	259	7	card	card	NOUN
hassl-3515	259	8	knowledge	knowledge	NOUN
hassl-3515	259	9	questions	question	NOUN
hassl-3515	259	10	topic	topic	NOUN
hassl-3515	259	11	code	code	NOUN
hassl-3515	259	12	total	total	NOUN
hassl-3515	259	13	respondents	respondent	NOUN
hassl-3515	259	14	respondents	respondent	NOUN
hassl-3515	259	15	with	with	ADP
hassl-3515	259	16	the	the	DET
hassl-3515	259	17	correct	correct	ADJ
hassl-3515	259	18	response	response	NOUN
hassl-3515	259	19	number	number	NOUN
hassl-3515	259	20	percentage	percentage	NOUN
hassl-3515	259	21	annual	annual	ADJ
hassl-3515	259	22	percentage	percentage	NOUN
hassl-3515	259	23	rate	rate	NOUN
hassl-3515	259	24	apr1	apr1	NOUN
hassl-3515	259	25	120	120	NUM
hassl-3515	259	26	100	100	NUM
hassl-3515	259	27	83.33	83.33	NUM
hassl-3515	259	28	%	%	NOUN
hassl-3515	259	29	apr2	apr2	NOUN
hassl-3515	259	30	120	120	NUM
hassl-3515	259	31	100	100	NUM
hassl-3515	259	32	83.33	83.33	NUM
hassl-3515	259	33	%	%	NOUN
hassl-3515	259	34	apr3	apr3	NOUN
hassl-3515	259	35	120	120	NUM
hassl-3515	259	36	98	98	NUM
hassl-3515	259	37	81.67	81.67	NUM
hassl-3515	259	38	%	%	NOUN
hassl-3515	259	39	apr4	apr4	NOUN
hassl-3515	259	40	120	120	NUM
hassl-3515	259	41	101	101	NUM
hassl-3515	259	42	84.17	84.17	NUM
hassl-3515	259	43	%	%	NOUN
hassl-3515	259	44	a	a	DET
hassl-3515	259	45	penalty	penalty	NOUN
hassl-3515	259	46	annual	annual	ADJ
hassl-3515	259	47	percentage	percentage	NOUN
hassl-3515	259	48	rate	rate	NOUN
hassl-3515	259	49	papr1	papr1	NOUN
hassl-3515	259	50	120	120	NUM
hassl-3515	259	51	102	102	NUM
hassl-3515	259	52	85.00	85.00	NUM
hassl-3515	259	53	%	%	NOUN
hassl-3515	259	54	papr2	papr2	NOUN
hassl-3515	259	55	120	120	NUM
hassl-3515	259	56	102	102	NUM
hassl-3515	259	57	85.00	85.00	NUM
hassl-3515	259	58	%	%	NOUN
hassl-3515	259	59	yearly	yearly	ADJ
hassl-3515	259	60	fee	fee	NOUN
hassl-3515	259	61	yf1	yf1	NOUN
hassl-3515	259	62	120	120	NUM
hassl-3515	259	63	104	104	NUM
hassl-3515	259	64	86.67	86.67	NUM
hassl-3515	259	65	%	%	NOUN
hassl-3515	259	66	yf2	yf2	NOUN
hassl-3515	259	67	120	120	NUM
hassl-3515	259	68	104	104	NUM
hassl-3515	259	69	86.67	86.67	NUM
hassl-3515	259	70	%	%	NOUN
hassl-3515	259	71	unpunctual	unpunctual	ADJ
hassl-3515	259	72	fee	fee	NOUN
hassl-3515	260	1	uf1	uf1	NOUN
hassl-3515	260	2	120	120	NUM
hassl-3515	260	3	104	104	NUM
hassl-3515	260	4	86.67	86.67	NUM
hassl-3515	260	5	%	%	NOUN
hassl-3515	260	6	uf2	uf2	NOUN
hassl-3515	260	7	120	120	NUM
hassl-3515	260	8	97	97	NUM
hassl-3515	260	9	80.83	80.83	NUM
hassl-3515	260	10	%	%	NOUN
hassl-3515	260	11	the	the	DET
hassl-3515	260	12	introductory	introductory	ADJ
hassl-3515	260	13	annual	annual	ADJ
hassl-3515	260	14	percentage	percentage	NOUN
hassl-3515	260	15	rate	rate	NOUN
hassl-3515	260	16	iapr1	iapr1	NOUN
hassl-3515	261	1	120	120	NUM
hassl-3515	261	2	105	105	NUM
hassl-3515	261	3	87.50	87.50	NUM
hassl-3515	261	4	%	%	NOUN
hassl-3515	261	5	iapr2	iapr2	NOUN
hassl-3515	261	6	120	120	NUM
hassl-3515	261	7	98	98	NUM
hassl-3515	261	8	81.67	81.67	NUM
hassl-3515	261	9	%	%	NOUN
hassl-3515	261	10	source	source	NOUN
hassl-3515	261	11	:	:	PUNCT
hassl-3515	261	12	primary	primary	ADJ
hassl-3515	261	13	data	datum	NOUN
hassl-3515	261	14	processed	process	VERB
hassl-3515	261	15	.	.	PUNCT
hassl-3515	262	1	the	the	DET
hassl-3515	262	2	second	second	ADJ
hassl-3515	262	3	hypothesis	hypothesis	NOUN
hassl-3515	262	4	testing	testing	NOUN
hassl-3515	262	5	result	result	NOUN
hassl-3515	262	6	demonstrates	demonstrate	VERB
hassl-3515	262	7	that	that	SCONJ
hassl-3515	262	8	self	self	NOUN
hassl-3515	262	9	-	-	PUNCT
hassl-3515	262	10	control	control	NOUN
hassl-3515	262	11	negatively	negatively	ADV
hassl-3515	262	12	affects	affect	VERB
hassl-3515	262	13	credit	credit	NOUN
hassl-3515	262	14	card	card	NOUN
hassl-3515	262	15	utilization	utilization	NOUN
hassl-3515	262	16	.	.	PUNCT
hassl-3515	263	1	this	this	DET
hassl-3515	263	2	evidence	evidence	NOUN
hassl-3515	263	3	aligns	align	VERB
hassl-3515	263	4	with	with	ADP
hassl-3515	263	5	baumeister	baumeist	ADJ
hassl-3515	263	6	(	(	PUNCT
hassl-3515	263	7	2002	2002	NUM
hassl-3515	263	8	)	)	PUNCT
hassl-3515	263	9	,	,	PUNCT
hassl-3515	263	10	who	who	PRON
hassl-3515	263	11	declares	declare	VERB
hassl-3515	263	12	that	that	SCONJ
hassl-3515	263	13	individuals	individual	NOUN
hassl-3515	263	14	with	with	ADP
hassl-3515	263	15	sizable	sizable	ADJ
hassl-3515	263	16	self	self	NOUN
hassl-3515	263	17	-	-	PUNCT
hassl-3515	263	18	control	control	NOUN
hassl-3515	263	19	will	will	AUX
hassl-3515	263	20	save	save	VERB
hassl-3515	263	21	more	more	ADJ
hassl-3515	263	22	and	and	CCONJ
hassl-3515	263	23	spend	spend	VERB
hassl-3515	263	24	less	less	ADJ
hassl-3515	263	25	money	money	NOUN
hassl-3515	263	26	.	.	PUNCT
hassl-3515	264	1	although	although	SCONJ
hassl-3515	264	2	using	use	VERB
hassl-3515	264	3	different	different	ADJ
hassl-3515	264	4	samples	sample	NOUN
hassl-3515	264	5	,	,	PUNCT
hassl-3515	264	6	this	this	DET
hassl-3515	264	7	study	study	NOUN
hassl-3515	264	8	supports	support	VERB
hassl-3515	264	9	(	(	PUNCT
hassl-3515	264	10	mansfield	mansfield	PROPN
hassl-3515	264	11	et	et	PROPN
hassl-3515	264	12	al	al	PROPN
hassl-3515	264	13	.	.	PROPN
hassl-3515	264	14	,	,	PUNCT
hassl-3515	264	15	2003	2003	NUM
hassl-3515	264	16	)	)	PUNCT
hassl-3515	264	17	with	with	ADP
hassl-3515	264	18	the	the	DET
hassl-3515	264	19	behavioral	behavioral	ADJ
hassl-3515	264	20	payment	payment	NOUN
hassl-3515	264	21	of	of	ADP
hassl-3515	264	22	college	college	NOUN
hassl-3515	264	23	students	student	NOUN
hassl-3515	264	24	in	in	ADP
hassl-3515	264	25	the	the	DET
hassl-3515	264	26	united	united	PROPN
hassl-3515	264	27	states	states	PROPN
hassl-3515	264	28	.	.	PUNCT
hassl-3515	265	1	students	student	NOUN
hassl-3515	265	2	with	with	ADP
hassl-3515	265	3	higher	high	ADJ
hassl-3515	265	4	self	self	NOUN
hassl-3515	265	5	-	-	PUNCT
hassl-3515	265	6	control	control	NOUN
hassl-3515	265	7	,	,	PUNCT
hassl-3515	265	8	reflected	reflect	VERB
hassl-3515	265	9	by	by	ADP
hassl-3515	265	10	their	their	PRON
hassl-3515	265	11	low	low	ADJ
hassl-3515	265	12	impulsive	impulsive	ADJ
hassl-3515	265	13	spending	spending	NOUN
hassl-3515	265	14	,	,	PUNCT
hassl-3515	265	15	tend	tend	VERB
hassl-3515	265	16	to	to	PART
hassl-3515	265	17	pay	pay	VERB
hassl-3515	265	18	the	the	DET
hassl-3515	265	19	bills	bill	NOUN
hassl-3515	265	20	fully	fully	ADV
hassl-3515	265	21	and	and	CCONJ
hassl-3515	265	22	vice	vice	ADV
hassl-3515	265	23	versa	versa	ADV
hassl-3515	265	24	.	.	PUNCT
hassl-3515	266	1	besides	besides	SCONJ
hassl-3515	266	2	,	,	PUNCT
hassl-3515	266	3	this	this	DET
hassl-3515	266	4	study	study	NOUN
hassl-3515	266	5	supports	support	VERB
hassl-3515	266	6	wang	wang	PROPN
hassl-3515	266	7	et	et	PROPN
hassl-3515	266	8	al	al	PROPN
hassl-3515	266	9	.	.	PROPN
hassl-3515	267	1	(	(	PUNCT
hassl-3515	267	2	2011	2011	NUM
hassl-3515	267	3	)	)	PUNCT
hassl-3515	267	4	,	,	PUNCT
hassl-3515	267	5	demonstrating	demonstrate	VERB
hassl-3515	267	6	the	the	DET
hassl-3515	267	7	negative	negative	ADJ
hassl-3515	267	8	propensity	propensity	NOUN
hassl-3515	267	9	of	of	ADP
hassl-3515	267	10	self	self	NOUN
hassl-3515	267	11	-	-	PUNCT
hassl-3515	267	12	control	control	NOUN
hassl-3515	267	13	toward	toward	ADP
hassl-3515	267	14	revolving	revolve	VERB
hassl-3515	267	15	credits	credit	NOUN
hassl-3515	267	16	,	,	PUNCT
hassl-3515	267	17	and	and	CCONJ
hassl-3515	267	18	limerick	limerick	PROPN
hassl-3515	267	19	&	&	CCONJ
hassl-3515	267	20	peltier	peltier	PROPN
hassl-3515	267	21	(	(	PUNCT
hassl-3515	267	22	2014	2014	NUM
hassl-3515	267	23	)	)	PUNCT
hassl-3515	267	24	,	,	PUNCT
hassl-3515	267	25	illustrating	illustrate	VERB
hassl-3515	267	26	the	the	DET
hassl-3515	267	27	self	self	NOUN
hassl-3515	267	28	-	-	PUNCT
hassl-3515	267	29	control	control	NOUN
hassl-3515	267	30	functions	function	NOUN
hassl-3515	267	31	necessary	necessary	ADJ
hassl-3515	267	32	to	to	PART
hassl-3515	267	33	prevent	prevent	VERB
hassl-3515	267	34	ccu	ccu	PROPN
hassl-3515	267	35	.	.	PUNCT
hassl-3515	268	1	this	this	DET
hassl-3515	268	2	negative	negative	ADJ
hassl-3515	268	3	tendency	tendency	NOUN
hassl-3515	268	4	of	of	ADP
hassl-3515	268	5	sc	sc	PROPN
hassl-3515	268	6	toward	toward	ADP
hassl-3515	268	7	ccu	ccu	PROPN
hassl-3515	268	8	is	be	AUX
hassl-3515	268	9	confirmed	confirm	VERB
hassl-3515	268	10	by	by	ADP
hassl-3515	268	11	perera	perera	PROPN
hassl-3515	268	12	et	et	PROPN
hassl-3515	268	13	al	al	PROPN
hassl-3515	268	14	.	.	PROPN
hassl-3515	269	1	(	(	PUNCT
hassl-3515	269	2	2016	2016	NUM
hassl-3515	269	3	)	)	PUNCT
hassl-3515	269	4	in	in	ADP
hassl-3515	269	5	the	the	DET
hassl-3515	269	6	married	married	ADJ
hassl-3515	269	7	group	group	NOUN
hassl-3515	269	8	of	of	ADP
hassl-3515	269	9	pakistani	pakistani	ADJ
hassl-3515	269	10	executives	executive	NOUN
hassl-3515	269	11	,	,	PUNCT
hassl-3515	269	12	as	as	ADV
hassl-3515	269	13	well	well	ADV
hassl-3515	269	14	as	as	ADP
hassl-3515	269	15	haryana	haryana	PROPN
hassl-3515	269	16	(	(	PUNCT
hassl-3515	269	17	2017	2017	NUM
hassl-3515	269	18	)	)	PUNCT
hassl-3515	269	19	and	and	CCONJ
hassl-3515	269	20	sandy	sandy	NOUN
hassl-3515	269	21	and	and	CCONJ
hassl-3515	269	22	renanita	renanita	NOUN
hassl-3515	269	23	(	(	PUNCT
hassl-3515	269	24	2018	2018	NUM
hassl-3515	269	25	)	)	PUNCT
hassl-3515	269	26	with	with	ADP
hassl-3515	269	27	96	96	NUM
hassl-3515	269	28	people	people	NOUN
hassl-3515	269	29	and	and	CCONJ
hassl-3515	269	30	73	73	NUM
hassl-3515	269	31	indonesian	indonesian	ADJ
hassl-3515	269	32	career	career	NOUN
hassl-3515	269	33	women	woman	NOUN
hassl-3515	269	34	in	in	ADP
hassl-3515	269	35	surabaya	surabaya	PROPN
hassl-3515	269	36	as	as	ADP
hassl-3515	269	37	the	the	DET
hassl-3515	269	38	samples	sample	NOUN
hassl-3515	269	39	,	,	PUNCT
hassl-3515	269	40	one	one	NUM
hassl-3515	269	41	-	-	PUNCT
hassl-3515	269	42	to	to	ADP
hassl-3515	269	43	-	-	PUNCT
hassl-3515	269	44	one	one	NUM
hassl-3515	269	45	.	.	PUNCT
hassl-3515	270	1	finally	finally	ADV
hassl-3515	270	2	,	,	PUNCT
hassl-3515	270	3	this	this	DET
hassl-3515	270	4	study	study	NOUN
hassl-3515	270	5	aligns	align	VERB
hassl-3515	270	6	with	with	ADP
hassl-3515	270	7	fernández	fernández	PROPN
hassl-3515	270	8	-	-	PUNCT
hassl-3515	270	9	lópez	lópez	NOUN
hassl-3515	270	10	et	et	PROPN
hassl-3515	270	11	al	al	PROPN
hassl-3515	270	12	.	.	PROPN
hassl-3515	271	1	(	(	PUNCT
hassl-3515	271	2	2023	2023	NUM
hassl-3515	271	3	)	)	PUNCT
hassl-3515	271	4	investigation	investigation	NOUN
hassl-3515	271	5	of	of	ADP
hassl-3515	271	6	8,554	8,554	NUM
hassl-3515	271	7	spanish	spanish	ADJ
hassl-3515	271	8	citizens	citizen	NOUN
hassl-3515	271	9	taking	take	VERB
hassl-3515	271	10	cash	cash	NOUN
hassl-3515	271	11	in	in	ADP
hassl-3515	271	12	advance	advance	NOUN
hassl-3515	271	13	on	on	ADP
hassl-3515	271	14	credit	credit	NOUN
hassl-3515	271	15	cards	card	NOUN
hassl-3515	271	16	.	.	PUNCT
hassl-3515	272	1	with	with	ADP
hassl-3515	272	2	strong	strong	ADJ
hassl-3515	272	3	self	self	NOUN
hassl-3515	272	4	-	-	PUNCT
hassl-3515	272	5	control	control	NOUN
hassl-3515	272	6	,	,	PUNCT
hassl-3515	272	7	they	they	PRON
hassl-3515	272	8	avoid	avoid	VERB
hassl-3515	272	9	it	it	PRON
hassl-3515	272	10	.	.	PUNCT
hassl-3515	273	1	the	the	DET
hassl-3515	273	2	third	third	ADJ
hassl-3515	273	3	hypothesis	hypothesis	NOUN
hassl-3515	273	4	testing	testing	NOUN
hassl-3515	273	5	result	result	NOUN
hassl-3515	273	6	exhibits	exhibit	VERB
hassl-3515	273	7	that	that	SCONJ
hassl-3515	273	8	the	the	PRON
hassl-3515	273	9	higher	high	ADJ
hassl-3515	273	10	the	the	DET
hassl-3515	273	11	self	self	NOUN
hassl-3515	273	12	-	-	PUNCT
hassl-3515	273	13	esteem	esteem	NOUN
hassl-3515	273	14	,	,	PUNCT
hassl-3515	273	15	the	the	PRON
hassl-3515	273	16	lower	low	ADJ
hassl-3515	273	17	the	the	DET
hassl-3515	273	18	tendency	tendency	NOUN
hassl-3515	273	19	to	to	PART
hassl-3515	273	20	utilize	utilize	VERB
hassl-3515	273	21	credit	credit	NOUN
hassl-3515	273	22	cards	card	NOUN
hassl-3515	273	23	.	.	PUNCT
hassl-3515	274	1	this	this	DET
hassl-3515	274	2	proof	proof	NOUN
hassl-3515	274	3	confirms	confirm	VERB
hassl-3515	274	4	pinto	pinto	NOUN
hassl-3515	274	5	et	et	PROPN
hassl-3515	274	6	al	al	PROPN
hassl-3515	274	7	.	.	PROPN
hassl-3515	275	1	(	(	PUNCT
hassl-3515	275	2	2004	2004	NUM
hassl-3515	275	3	)	)	PUNCT
hassl-3515	275	4	,	,	PUNCT
hassl-3515	275	5	who	who	PRON
hassl-3515	275	6	declare	declare	VERB
hassl-3515	275	7	that	that	SCONJ
hassl-3515	275	8	individuals	individual	NOUN
hassl-3515	275	9	with	with	ADP
hassl-3515	275	10	great	great	ADJ
hassl-3515	275	11	self	self	NOUN
hassl-3515	275	12	-	-	PUNCT
hassl-3515	275	13	esteem	esteem	NOUN
hassl-3515	275	14	will	will	AUX
hassl-3515	275	15	have	have	VERB
hassl-3515	275	16	stable	stable	ADJ
hassl-3515	275	17	emotions	emotion	NOUN
hassl-3515	275	18	.	.	PUNCT
hassl-3515	276	1	thus	thus	ADV
hassl-3515	276	2	,	,	PUNCT
hassl-3515	276	3	they	they	PRON
hassl-3515	276	4	refuse	refuse	VERB
hassl-3515	276	5	to	to	PART
hassl-3515	276	6	overspend	overspend	VERB
hassl-3515	276	7	when	when	SCONJ
hassl-3515	276	8	provoked	provoke	VERB
hassl-3515	276	9	by	by	ADP
hassl-3515	276	10	the	the	DET
hassl-3515	276	11	lure	lure	NOUN
hassl-3515	276	12	to	to	PART
hassl-3515	276	13	buy	buy	VERB
hassl-3515	276	14	products	product	NOUN
hassl-3515	276	15	using	use	VERB
hassl-3515	276	16	credit	credit	NOUN
hassl-3515	276	17	cards	card	NOUN
hassl-3515	276	18	.	.	PUNCT
hassl-3515	277	1	despite	despite	SCONJ
hassl-3515	277	2	the	the	DET
hassl-3515	277	3	different	different	ADJ
hassl-3515	277	4	samples	sample	NOUN
hassl-3515	277	5	,	,	PUNCT
hassl-3515	277	6	this	this	DET
hassl-3515	277	7	investigation	investigation	NOUN
hassl-3515	277	8	confirms	confirm	VERB
hassl-3515	277	9	the	the	DET
hassl-3515	277	10	negative	negative	ADJ
hassl-3515	277	11	propensity	propensity	NOUN
hassl-3515	277	12	of	of	ADP
hassl-3515	277	13	self	self	NOUN
hassl-3515	277	14	-esteem	-esteem	NOUN
hassl-3515	277	15	on	on	ADP
hassl-3515	277	16	credit	credit	NOUN
hassl-3515	277	17	card	card	NOUN
hassl-3515	277	18	utilization	utilization	NOUN
hassl-3515	277	19	based	base	VERB
hassl-3515	277	20	on	on	ADP
hassl-3515	277	21	the	the	DET
hassl-3515	277	22	viewpoint	viewpoint	NOUN
hassl-3515	277	23	of	of	ADP
hassl-3515	277	24	people	people	NOUN
hassl-3515	277	25	in	in	ADP
hassl-3515	277	26	china	china	PROPN
hassl-3515	277	27	(	(	PUNCT
hassl-3515	277	28	wang	wang	PROPN
hassl-3515	277	29	et	et	PROPN
hassl-3515	277	30	al	al	PROPN
hassl-3515	277	31	.	.	PROPN
hassl-3515	277	32	,	,	PUNCT
hassl-3515	277	33	2011	2011	NUM
hassl-3515	277	34	)	)	PUNCT
hassl-3515	277	35	,	,	PUNCT
hassl-3515	277	36	malaysia	malaysia	PROPN
hassl-3515	277	37	(	(	PUNCT
hassl-3515	277	38	omar	omar	PROPN
hassl-3515	277	39	et	et	PROPN
hassl-3515	277	40	al	al	PROPN
hassl-3515	277	41	.	.	PROPN
hassl-3515	277	42	,	,	PUNCT
hassl-3515	277	43	2014	2014	NUM
hassl-3515	277	44	)	)	PUNCT
hassl-3515	277	45	,	,	PUNCT
hassl-3515	277	46	and	and	CCONJ
hassl-3515	277	47	brazil	brazil	PROPN
hassl-3515	277	48	(	(	PUNCT
hassl-3515	277	49	matos	matos	X
hassl-3515	277	50	et	et	PROPN
hassl-3515	277	51	al	al	PROPN
hassl-3515	277	52	.	.	PROPN
hassl-3515	277	53	,	,	PUNCT
hassl-3515	277	54	2019	2019	NUM
hassl-3515	277	55	)	)	PUNCT
hassl-3515	277	56	.	.	PUNCT
hassl-3515	278	1	in	in	ADP
hassl-3515	278	2	other	other	ADJ
hassl-3515	278	3	words	word	NOUN
hassl-3515	278	4	,	,	PUNCT
hassl-3515	278	5	wang	wang	PROPN
hassl-3515	278	6	et	et	PROPN
hassl-3515	278	7	al	al	PROPN
hassl-3515	278	8	.	.	PROPN
hassl-3515	278	9	(	(	PUNCT
hassl-3515	278	10	2011	2011	NUM
hassl-3515	278	11	)	)	PUNCT
hassl-3515	278	12	,	,	PUNCT
hassl-3515	278	13	omar	omar	PROPN
hassl-3515	278	14	et	et	PROPN
hassl-3515	278	15	al	al	PROPN
hassl-3515	278	16	.	.	PROPN
hassl-3515	278	17	(	(	PUNCT
hassl-3515	278	18	2014	2014	NUM
hassl-3515	278	19	)	)	PUNCT
hassl-3515	278	20	,	,	PUNCT
hassl-3515	278	21	and	and	CCONJ
hassl-3515	278	22	matos	matos	X
hassl-3515	278	23	et	et	PROPN
hassl-3515	278	24	al	al	PROPN
hassl-3515	278	25	.	.	PROPN
hassl-3515	279	1	(	(	PUNCT
hassl-3515	279	2	2019	2019	NUM
hassl-3515	279	3	)	)	PUNCT
hassl-3515	279	4	demonstrate	demonstrate	VERB
hassl-3515	279	5	that	that	SCONJ
hassl-3515	279	6	chinese	chinese	PROPN
hassl-3515	279	7	,	,	PUNCT
hassl-3515	279	8	malaysians	malaysians	PROPN
hassl-3515	279	9	,	,	PUNCT
hassl-3515	279	10	and	and	CCONJ
hassl-3515	279	11	brazilians	brazilian	NOUN
hassl-3515	279	12	with	with	ADP
hassl-3515	279	13	high	high	ADJ
hassl-3515	279	14	self	self	NOUN
hassl-3515	279	15	-	-	PUNCT
hassl-3515	279	16	esteem	esteem	NOUN
hassl-3515	279	17	will	will	AUX
hassl-3515	279	18	reduce	reduce	VERB
hassl-3515	279	19	revolving	revolve	VERB
hassl-3515	279	20	credit	credit	NOUN
hassl-3515	279	21	,	,	PUNCT
hassl-3515	279	22	mistaken	mistaken	ADJ
hassl-3515	279	23	credit	credit	NOUN
hassl-3515	279	24	utilization	utilization	NOUN
hassl-3515	279	25	,	,	PUNCT
hassl-3515	279	26	and	and	CCONJ
hassl-3515	279	27	indebtedness	indebtedness	NOUN
hassl-3515	279	28	,	,	PUNCT
hassl-3515	279	29	one	one	NUM
hassl-3515	279	30	-	-	PUNCT
hassl-3515	279	31	to	to	ADP
hassl-3515	279	32	-	-	PUNCT
hassl-3515	279	33	one	one	NUM
hassl-3515	279	34	.	.	PUNCT
hassl-3515	280	1	females	female	NOUN
hassl-3515	280	2	have	have	VERB
hassl-3515	280	3	a	a	DET
hassl-3515	280	4	positive	positive	ADJ
hassl-3515	280	5	influence	influence	NOUN
hassl-3515	280	6	on	on	ADP
hassl-3515	280	7	credit	credit	NOUN
hassl-3515	280	8	card	card	NOUN
hassl-3515	280	9	behavior	behavior	NOUN
hassl-3515	280	10	because	because	SCONJ
hassl-3515	280	11	they	they	PRON
hassl-3515	280	12	tend	tend	VERB
hassl-3515	280	13	to	to	PART
hassl-3515	280	14	use	use	VERB
hassl-3515	280	15	their	their	PRON
hassl-3515	280	16	cards	card	NOUN
hassl-3515	280	17	more	more	ADV
hassl-3515	280	18	frequently	frequently	ADV
hassl-3515	280	19	than	than	ADP
hassl-3515	280	20	men	man	NOUN
hassl-3515	280	21	.	.	PUNCT
hassl-3515	281	1	according	accord	VERB
hassl-3515	281	2	to	to	ADP
hassl-3515	281	3	dittmar	dittmar	NOUN
hassl-3515	281	4	,	,	PUNCT
hassl-3515	281	5	long	long	ADV
hassl-3515	281	6	,	,	PUNCT
hassl-3515	281	7	and	and	CCONJ
hassl-3515	281	8	meek	meek	NOUN
hassl-3515	281	9	(	(	PUNCT
hassl-3515	281	10	2004	2004	NUM
hassl-3515	281	11	)	)	PUNCT
hassl-3515	281	12	,	,	PUNCT
hassl-3515	281	13	women	woman	NOUN
hassl-3515	281	14	purchase	purchase	VERB
hassl-3515	281	15	products	product	NOUN
hassl-3515	281	16	online	online	ADV
hassl-3515	281	17	based	base	VERB
hassl-3515	281	18	on	on	ADP
hassl-3515	281	19	their	their	PRON
hassl-3515	281	20	identity	identity	NOUN
hassl-3515	281	21	and	and	CCONJ
hassl-3515	281	22	emotions	emotion	NOUN
hassl-3515	281	23	.	.	PUNCT
hassl-3515	282	1	their	their	PRON
hassl-3515	282	2	identity	identity	NOUN
hassl-3515	282	3	makes	make	VERB
hassl-3515	282	4	them	they	PRON
hassl-3515	282	5	want	want	VERB
hassl-3515	282	6	to	to	PART
hassl-3515	282	7	impress	impress	VERB
hassl-3515	282	8	others	other	NOUN
hassl-3515	282	9	and	and	CCONJ
hassl-3515	282	10	gain	gain	VERB
hassl-3515	282	11	prestige	prestige	NOUN
hassl-3515	282	12	.	.	PUNCT
hassl-3515	283	1	in	in	ADP
hassl-3515	283	2	the	the	DET
hassl-3515	283	3	emotional	emotional	ADJ
hassl-3515	283	4	aspect	aspect	NOUN
hassl-3515	283	5	,	,	PUNCT
hassl-3515	283	6	shopping	shop	VERB
hassl-3515	283	7	online	online	ADV
hassl-3515	283	8	is	be	AUX
hassl-3515	283	9	an	an	DET
hassl-3515	283	10	enjoyable	enjoyable	ADJ
hassl-3515	283	11	experience	experience	NOUN
hassl-3515	283	12	.	.	PUNCT
hassl-3515	284	1	hence	hence	ADV
hassl-3515	284	2	,	,	PUNCT
hassl-3515	284	3	this	this	DET
hassl-3515	284	4	study	study	NOUN
hassl-3515	284	5	aligns	align	VERB
hassl-3515	284	6	with	with	ADP
hassl-3515	284	7	matos	matos	X
hassl-3515	284	8	et	et	PROPN
hassl-3515	284	9	al	al	PROPN
hassl-3515	284	10	.	.	PROPN
hassl-3515	285	1	(	(	PUNCT
hassl-3515	285	2	2019	2019	NUM
hassl-3515	285	3	)	)	PUNCT
hassl-3515	285	4	,	,	PUNCT
hassl-3515	285	5	demonstrating	demonstrate	VERB
hassl-3515	285	6	females	female	NOUN
hassl-3515	285	7	have	have	VERB
hassl-3515	285	8	more	more	ADJ
hassl-3515	285	9	indebtedness	indebtedness	NOUN
hassl-3515	285	10	than	than	ADP
hassl-3515	285	11	males	male	NOUN
hassl-3515	285	12	.	.	PUNCT
hassl-3515	286	1	related	relate	VERB
hassl-3515	286	2	to	to	ADP
hassl-3515	286	3	the	the	DET
hassl-3515	286	4	disbursement	disbursement	NOUN
hassl-3515	286	5	,	,	PUNCT
hassl-3515	286	6	robb	robb	NOUN
hassl-3515	286	7	(	(	PUNCT
hassl-3515	286	8	2011	2011	NUM
hassl-3515	286	9	)	)	PUNCT
hassl-3515	286	10	suggests	suggest	VERB
hassl-3515	286	11	the	the	DET
hassl-3515	286	12	bill	bill	NOUN
hassl-3515	286	13	payment	payment	NOUN
hassl-3515	286	14	be	be	AUX
hassl-3515	286	15	above	above	ADP
hassl-3515	286	16	the	the	DET
hassl-3515	286	17	minimum	minimum	NOUN
hassl-3515	286	18	amount	amount	NOUN
hassl-3515	286	19	.	.	PUNCT
hassl-3515	287	1	6	6	X
hassl-3515	287	2	.	.	X
hassl-3515	287	3	conclusion	conclusion	NOUN
hassl-3515	287	4	the	the	DET
hassl-3515	287	5	careful	careful	ADJ
hassl-3515	287	6	application	application	NOUN
hassl-3515	287	7	of	of	ADP
hassl-3515	287	8	credit	credit	NOUN
hassl-3515	287	9	cards	card	NOUN
hassl-3515	287	10	is	be	AUX
hassl-3515	287	11	essential	essential	ADJ
hassl-3515	287	12	for	for	ADP
hassl-3515	287	13	society	society	NOUN
hassl-3515	287	14	.	.	PUNCT
hassl-3515	288	1	as	as	ADP
hassl-3515	288	2	part	part	NOUN
hassl-3515	288	3	of	of	ADP
hassl-3515	288	4	society	society	NOUN
hassl-3515	288	5	,	,	PUNCT
hassl-3515	288	6	the	the	DET
hassl-3515	288	7	employees	employee	NOUN
hassl-3515	288	8	of	of	ADP
hassl-3515	288	9	bank	bank	PROPN
hassl-3515	288	10	s	s	PART
hassl-3515	288	11	can	can	AUX
hassl-3515	288	12	be	be	AUX
hassl-3515	288	13	good	good	ADJ
hassl-3515	288	14	examples	example	NOUN
hassl-3515	288	15	.	.	PUNCT
hassl-3515	289	1	hence	hence	ADV
hassl-3515	289	2	,	,	PUNCT
hassl-3515	289	3	this	this	DET
hassl-3515	289	4	study	study	NOUN
hassl-3515	289	5	aims	aim	VERB
hassl-3515	289	6	to	to	PART
hassl-3515	289	7	prove	prove	VERB
hassl-3515	289	8	the	the	DET
hassl-3515	289	9	determinants	determinant	NOUN
hassl-3515	289	10	of	of	ADP
hassl-3515	289	11	credit	credit	NOUN
hassl-3515	289	12	card	card	NOUN
hassl-3515	289	13	utilization	utilization	NOUN
hassl-3515	289	14	based	base	VERB
hassl-3515	289	15	on	on	ADP
hassl-3515	289	16	financial	financial	ADJ
hassl-3515	289	17	literacy	literacy	NOUN
hassl-3515	289	18	,	,	PUNCT
hassl-3515	289	19	self	self	NOUN
hassl-3515	289	20	-	-	PUNCT
hassl-3515	289	21	control	control	NOUN
hassl-3515	289	22	,	,	PUNCT
hassl-3515	289	23	and	and	CCONJ
hassl-3515	289	24	self	self	NOUN
hassl-3515	289	25	-	-	PUNCT
hassl-3515	289	26	esteem	esteem	NOUN
hassl-3515	289	27	as	as	ADP
hassl-3515	289	28	the	the	DET
hassl-3515	289	29	primary	primary	ADJ
hassl-3515	289	30	variables	variable	NOUN
hassl-3515	289	31	and	and	CCONJ
hassl-3515	289	32	gender	gender	NOUN
hassl-3515	289	33	as	as	ADP
hassl-3515	289	34	the	the	DET
hassl-3515	289	35	control	control	NOUN
hassl-3515	289	36	.	.	PUNCT
hassl-3515	290	1	from	from	ADP
hassl-3515	290	2	our	our	PRON
hassl-3515	290	3	research	research	NOUN
hassl-3515	290	4	results	result	NOUN
hassl-3515	290	5	testing	test	VERB
hassl-3515	290	6	the	the	DET
hassl-3515	290	7	causal	causal	ADJ
hassl-3515	290	8	relationship	relationship	NOUN
hassl-3515	290	9	based	base	VERB
hassl-3515	290	10	on	on	ADP
hassl-3515	290	11	the	the	DET
hassl-3515	290	12	survey	survey	NOUN
hassl-3515	290	13	from	from	ADP
hassl-3515	290	14	june	june	PROPN
hassl-3515	290	15	2022	2022	NUM
hassl-3515	290	16	to	to	ADP
hassl-3515	290	17	january	january	PROPN
hassl-3515	290	18	2023	2023	NUM
hassl-3515	290	19	,	,	PUNCT
hassl-3515	290	20	the	the	DET
hassl-3515	290	21	r	r	NOUN
hassl-3515	290	22	-	-	PUNCT
hassl-3515	290	23	squared	square	VERB
hassl-3515	290	24	of	of	ADP
hassl-3515	290	25	this	this	DET
hassl-3515	290	26	structural	structural	ADJ
hassl-3515	290	27	equation	equation	NOUN
hassl-3515	290	28	model	model	NOUN
hassl-3515	290	29	based	base	VERB
hassl-3515	290	30	on	on	ADP
hassl-3515	290	31	covariance	covariance	NOUN
hassl-3515	290	32	achieves	achieve	VERB
hassl-3515	290	33	94.2	94.2	NUM
hassl-3515	290	34	%	%	NOUN
hassl-3515	290	35	.	.	PUNCT
hassl-3515	291	1	this	this	DET
hassl-3515	291	2	value	value	NOUN
hassl-3515	291	3	shows	show	VERB
hassl-3515	291	4	an	an	DET
hassl-3515	291	5	enormous	enormous	ADJ
hassl-3515	291	6	contribution	contribution	NOUN
hassl-3515	291	7	based	base	VERB
hassl-3515	291	8	on	on	ADP
hassl-3515	291	9	the	the	DET
hassl-3515	291	10	humanities	humanity	NOUN
hassl-3515	291	11	and	and	CCONJ
hassl-3515	291	12	social	social	ADJ
hassl-3515	291	13	sciences	science	NOUN
hassl-3515	291	14	letters	letter	NOUN
hassl-3515	291	15	,	,	PUNCT
hassl-3515	291	16	2023	2023	NUM
hassl-3515	291	17	,	,	PUNCT
hassl-3515	291	18	11(3	11(3	NUM
hassl-3515	291	19	):	):	PUNCT
hassl-3515	291	20	349	349	NUM
hassl-3515	291	21	-	-	SYM
hassl-3515	291	22	361	361	NUM
hassl-3515	291	23	359	359	NUM
hassl-3515	291	24	©	©	PROPN
hassl-3515	291	25	2023	2023	NUM
hassl-3515	291	26	conscientia	conscientia	PROPN
hassl-3515	291	27	beam	beam	PROPN
hassl-3515	291	28	.	.	PUNCT
hassl-3515	292	1	all	all	DET
hassl-3515	292	2	rights	right	NOUN
hassl-3515	292	3	reserved	reserve	VERB
hassl-3515	292	4	.	.	PUNCT
hassl-3515	293	1	determinants	determinant	NOUN
hassl-3515	293	2	.	.	PUNCT
hassl-3515	294	1	besides	besides	SCONJ
hassl-3515	294	2	,	,	PUNCT
hassl-3515	294	3	this	this	DET
hassl-3515	294	4	study	study	NOUN
hassl-3515	294	5	infers	infer	NOUN
hassl-3515	294	6	that	that	PRON
hassl-3515	294	7	employees	employee	NOUN
hassl-3515	294	8	with	with	ADP
hassl-3515	294	9	high	high	ADJ
hassl-3515	294	10	financial	financial	ADJ
hassl-3515	294	11	literacy	literacy	NOUN
hassl-3515	294	12	,	,	PUNCT
hassl-3515	294	13	self	self	NOUN
hassl-3515	294	14	-	-	PUNCT
hassl-3515	294	15	control	control	NOUN
hassl-3515	294	16	,	,	PUNCT
hassl-3515	294	17	and	and	CCONJ
hassl-3515	294	18	self	self	NOUN
hassl-3515	294	19	-	-	PUNCT
hassl-3515	294	20	esteem	esteem	NOUN
hassl-3515	294	21	tend	tend	VERB
hassl-3515	294	22	to	to	PART
hassl-3515	294	23	diminish	diminish	VERB
hassl-3515	294	24	their	their	PRON
hassl-3515	294	25	credit	credit	NOUN
hassl-3515	294	26	card	card	NOUN
hassl-3515	294	27	use	use	NOUN
hassl-3515	294	28	.	.	PUNCT
hassl-3515	295	1	meanwhile	meanwhile	ADV
hassl-3515	295	2	,	,	PUNCT
hassl-3515	295	3	gender	gender	NOUN
hassl-3515	295	4	measured	measure	VERB
hassl-3515	295	5	by	by	ADP
hassl-3515	295	6	females	female	NOUN
hassl-3515	295	7	as	as	SCONJ
hassl-3515	295	8	the	the	DET
hassl-3515	295	9	reference	reference	NOUN
hassl-3515	295	10	category	category	NOUN
hassl-3515	295	11	positively	positively	ADV
hassl-3515	295	12	affects	affect	VERB
hassl-3515	295	13	this	this	DET
hassl-3515	295	14	card	card	NOUN
hassl-3515	295	15	utilization	utilization	NOUN
hassl-3515	295	16	.	.	PUNCT
hassl-3515	296	1	based	base	VERB
hassl-3515	296	2	on	on	ADP
hassl-3515	296	3	the	the	DET
hassl-3515	296	4	evidence	evidence	NOUN
hassl-3515	296	5	,	,	PUNCT
hassl-3515	296	6	women	woman	NOUN
hassl-3515	296	7	use	use	VERB
hassl-3515	296	8	more	more	ADJ
hassl-3515	296	9	credit	credit	NOUN
hassl-3515	296	10	cards	card	NOUN
hassl-3515	296	11	to	to	PART
hassl-3515	296	12	buy	buy	VERB
hassl-3515	296	13	products	product	NOUN
hassl-3515	296	14	online	online	ADV
hassl-3515	296	15	to	to	PART
hassl-3515	296	16	attain	attain	VERB
hassl-3515	296	17	their	their	PRON
hassl-3515	296	18	identity	identity	NOUN
hassl-3515	296	19	and	and	CCONJ
hassl-3515	296	20	emotional	emotional	ADJ
hassl-3515	296	21	status	status	NOUN
hassl-3515	296	22	,	,	PUNCT
hassl-3515	296	23	compared	compare	VERB
hassl-3515	296	24	with	with	ADP
hassl-3515	296	25	men	man	NOUN
hassl-3515	296	26	;	;	PUNCT
hassl-3515	296	27	this	this	DET
hassl-3515	296	28	study	study	NOUN
hassl-3515	296	29	recommends	recommend	VERB
hassl-3515	296	30	that	that	SCONJ
hassl-3515	296	31	females	female	NOUN
hassl-3515	296	32	immediately	immediately	ADV
hassl-3515	296	33	convert	convert	VERB
hassl-3515	296	34	their	their	PRON
hassl-3515	296	35	transactions	transaction	NOUN
hassl-3515	296	36	into	into	ADP
hassl-3515	296	37	installments	installment	NOUN
hassl-3515	296	38	to	to	PART
hassl-3515	296	39	make	make	VERB
hassl-3515	296	40	them	they	PRON
hassl-3515	296	41	pay	pay	VERB
hassl-3515	296	42	the	the	DET
hassl-3515	296	43	bills	bill	NOUN
hassl-3515	296	44	punctually	punctually	ADV
hassl-3515	296	45	between	between	ADP
hassl-3515	296	46	maximum	maximum	ADJ
hassl-3515	296	47	and	and	CCONJ
hassl-3515	296	48	minimum	minimum	ADJ
hassl-3515	296	49	amounts	amount	NOUN
hassl-3515	296	50	to	to	PART
hassl-3515	296	51	avoid	avoid	VERB
hassl-3515	296	52	cash	cash	NOUN
hassl-3515	296	53	deficiency	deficiency	NOUN
hassl-3515	296	54	for	for	ADP
hassl-3515	296	55	living	living	NOUN
hassl-3515	296	56	.	.	PUNCT
hassl-3515	297	1	by	by	ADP
hassl-3515	297	2	conducting	conduct	VERB
hassl-3515	297	3	it	it	PRON
hassl-3515	297	4	,	,	PUNCT
hassl-3515	297	5	their	their	PRON
hassl-3515	297	6	credit	credit	NOUN
hassl-3515	297	7	rating	rating	NOUN
hassl-3515	297	8	score	score	NOUN
hassl-3515	297	9	will	will	AUX
hassl-3515	297	10	not	not	PART
hassl-3515	297	11	decrease	decrease	VERB
hassl-3515	297	12	.	.	PUNCT
hassl-3515	298	1	also	also	ADV
hassl-3515	298	2	,	,	PUNCT
hassl-3515	298	3	the	the	DET
hassl-3515	298	4	marketing	marketing	NOUN
hassl-3515	298	5	staff	staff	NOUN
hassl-3515	298	6	members	member	NOUN
hassl-3515	298	7	of	of	ADP
hassl-3515	298	8	the	the	DET
hassl-3515	298	9	bank	bank	NOUN
hassl-3515	298	10	can	can	AUX
hassl-3515	298	11	market	market	VERB
hassl-3515	298	12	the	the	DET
hassl-3515	298	13	credit	credit	NOUN
hassl-3515	298	14	cards	card	NOUN
hassl-3515	298	15	to	to	ADP
hassl-3515	298	16	their	their	PRON
hassl-3515	298	17	female	female	ADJ
hassl-3515	298	18	co	co	NOUN
hassl-3515	298	19	-	-	NOUN
hassl-3515	298	20	workers	worker	NOUN
hassl-3515	298	21	in	in	ADP
hassl-3515	298	22	different	different	ADJ
hassl-3515	298	23	positions	position	NOUN
hassl-3515	298	24	internally	internally	ADV
hassl-3515	298	25	or	or	CCONJ
hassl-3515	298	26	their	their	PRON
hassl-3515	298	27	female	female	ADJ
hassl-3515	298	28	friends	friend	NOUN
hassl-3515	298	29	in	in	ADP
hassl-3515	298	30	other	other	ADJ
hassl-3515	298	31	banks	bank	NOUN
hassl-3515	298	32	that	that	PRON
hassl-3515	298	33	can	can	AUX
hassl-3515	298	34	not	not	PART
hassl-3515	298	35	issue	issue	VERB
hassl-3515	298	36	these	these	DET
hassl-3515	298	37	cards	card	NOUN
hassl-3515	298	38	.	.	PUNCT
hassl-3515	299	1	funding	funding	NOUN
hassl-3515	299	2	:	:	PUNCT
hassl-3515	299	3	this	this	DET
hassl-3515	299	4	research	research	NOUN
hassl-3515	299	5	is	be	AUX
hassl-3515	299	6	supported	support	VERB
hassl-3515	299	7	by	by	ADP
hassl-3515	299	8	maranatha	maranatha	PROPN
hassl-3515	299	9	christian	christian	PROPN
hassl-3515	299	10	university	university	PROPN
hassl-3515	299	11	,	,	PUNCT
hassl-3515	299	12	indonesia	indonesia	PROPN
hassl-3515	299	13	(	(	PUNCT
hassl-3515	299	14	grant	grant	PROPN
hassl-3515	299	15	number	number	NOUN
hassl-3515	299	16	:	:	PUNCT
hassl-3515	299	17	0058/0220502/06/23	0058/0220502/06/23	NUM
hassl-3515	299	18	)	)	PUNCT
hassl-3515	299	19	.	.	PUNCT
hassl-3515	300	1	institutional	institutional	ADJ
hassl-3515	300	2	review	review	PROPN
hassl-3515	300	3	board	board	NOUN
hassl-3515	300	4	statement	statement	NOUN
hassl-3515	300	5	:	:	PUNCT
hassl-3515	300	6	the	the	DET
hassl-3515	300	7	ethical	ethical	ADJ
hassl-3515	300	8	committee	committee	NOUN
hassl-3515	300	9	of	of	ADP
hassl-3515	300	10	the	the	DET
hassl-3515	300	11	maranatha	maranatha	PROPN
hassl-3515	300	12	christian	christian	PROPN
hassl-3515	300	13	university	university	PROPN
hassl-3515	300	14	,	,	PUNCT
hassl-3515	300	15	indonesia	indonesia	PROPN
hassl-3515	300	16	has	have	AUX
hassl-3515	300	17	granted	grant	VERB
hassl-3515	300	18	approval	approval	NOUN
hassl-3515	300	19	for	for	ADP
hassl-3515	300	20	this	this	DET
hassl-3515	300	21	study	study	NOUN
hassl-3515	300	22	27	27	NUM
hassl-3515	300	23	july	july	PROPN
hassl-3515	300	24	2022	2022	NUM
hassl-3515	300	25	(	(	PUNCT
hassl-3515	300	26	ref	ref	NOUN
hassl-3515	300	27	.	.	PUNCT
hassl-3515	301	1	no	no	INTJ
hassl-3515	301	2	.	.	NOUN
hassl-3515	302	1	450	450	NUM
hassl-3515	302	2	/	/	SYM
hassl-3515	302	3	lppm	lppm	PROPN
hassl-3515	302	4	/	/	SYM
hassl-3515	302	5	ukm	ukm	PROPN
hassl-3515	302	6	/	/	SYM
hassl-3515	302	7	vii/2022	vii/2022	NOUN
hassl-3515	302	8	)	)	PUNCT
hassl-3515	302	9	.	.	PUNCT
hassl-3515	303	1	transparency	transparency	NOUN
hassl-3515	303	2	:	:	PUNCT
hassl-3515	303	3	the	the	DET
hassl-3515	303	4	authors	author	NOUN
hassl-3515	303	5	confirm	confirm	VERB
hassl-3515	303	6	that	that	SCONJ
hassl-3515	303	7	the	the	DET
hassl-3515	303	8	manuscript	manuscript	NOUN
hassl-3515	303	9	is	be	AUX
hassl-3515	303	10	an	an	DET
hassl-3515	303	11	honest	honest	ADJ
hassl-3515	303	12	,	,	PUNCT
hassl-3515	303	13	accurate	accurate	ADJ
hassl-3515	303	14	,	,	PUNCT
hassl-3515	303	15	and	and	CCONJ
hassl-3515	303	16	transparent	transparent	ADJ
hassl-3515	303	17	account	account	NOUN
hassl-3515	303	18	of	of	ADP
hassl-3515	303	19	the	the	DET
hassl-3515	303	20	study	study	NOUN
hassl-3515	303	21	;	;	PUNCT
hassl-3515	303	22	that	that	SCONJ
hassl-3515	303	23	no	no	DET
hassl-3515	303	24	vital	vital	ADJ
hassl-3515	303	25	features	feature	NOUN
hassl-3515	303	26	of	of	ADP
hassl-3515	303	27	the	the	DET
hassl-3515	303	28	study	study	NOUN
hassl-3515	303	29	have	have	AUX
hassl-3515	303	30	been	be	AUX
hassl-3515	303	31	omitted	omit	VERB
hassl-3515	303	32	;	;	PUNCT
hassl-3515	303	33	and	and	CCONJ
hassl-3515	303	34	that	that	SCONJ
hassl-3515	303	35	any	any	DET
hassl-3515	303	36	discrepancies	discrepancy	NOUN
hassl-3515	303	37	from	from	ADP
hassl-3515	303	38	the	the	DET
hassl-3515	303	39	study	study	NOUN
hassl-3515	303	40	as	as	SCONJ
hassl-3515	303	41	planned	plan	VERB
hassl-3515	303	42	have	have	AUX
hassl-3515	303	43	been	be	AUX
hassl-3515	303	44	explained	explain	VERB
hassl-3515	303	45	.	.	PUNCT
hassl-3515	304	1	this	this	DET
hassl-3515	304	2	study	study	NOUN
hassl-3515	304	3	followed	follow	VERB
hassl-3515	304	4	all	all	DET
hassl-3515	304	5	ethical	ethical	ADJ
hassl-3515	304	6	practices	practice	NOUN
hassl-3515	304	7	during	during	ADP
hassl-3515	304	8	writing	writing	NOUN
hassl-3515	304	9	.	.	PUNCT
hassl-3515	305	1	competing	compete	VERB
hassl-3515	305	2	interests	interest	NOUN
hassl-3515	305	3	:	:	PUNCT
hassl-3515	305	4	the	the	DET
hassl-3515	305	5	authors	author	NOUN
hassl-3515	305	6	declare	declare	VERB
hassl-3515	305	7	that	that	SCONJ
hassl-3515	305	8	they	they	PRON
hassl-3515	305	9	have	have	VERB
hassl-3515	305	10	no	no	DET
hassl-3515	305	11	competing	compete	VERB
hassl-3515	305	12	interests	interest	NOUN
hassl-3515	305	13	.	.	PUNCT
hassl-3515	306	1	authors	author	NOUN
hassl-3515	306	2	’	'	PUNCT
hassl-3515	306	3	contributions	contribution	NOUN
hassl-3515	306	4	:	:	PUNCT
hassl-3515	306	5	all	all	DET
hassl-3515	306	6	authors	author	NOUN
hassl-3515	306	7	contributed	contribute	VERB
hassl-3515	306	8	equally	equally	ADV
hassl-3515	306	9	to	to	ADP
hassl-3515	306	10	the	the	DET
hassl-3515	306	11	conception	conception	NOUN
hassl-3515	306	12	and	and	CCONJ
hassl-3515	306	13	design	design	NOUN
hassl-3515	306	14	of	of	ADP
hassl-3515	306	15	the	the	DET
hassl-3515	306	16	study	study	NOUN
hassl-3515	306	17	.	.	PUNCT
hassl-3515	307	1	all	all	DET
hassl-3515	307	2	authors	author	NOUN
hassl-3515	307	3	have	have	AUX
hassl-3515	307	4	read	read	VERB
hassl-3515	307	5	and	and	CCONJ
hassl-3515	307	6	agreed	agree	VERB
hassl-3515	307	7	to	to	ADP
hassl-3515	307	8	the	the	DET
hassl-3515	307	9	published	publish	VERB
hassl-3515	307	10	version	version	NOUN
hassl-3515	307	11	of	of	ADP
hassl-3515	307	12	the	the	DET
hassl-3515	307	13	manuscript	manuscript	NOUN
hassl-3515	307	14	.	.	PUNCT
hassl-3515	308	1	references	reference	NOUN
hassl-3515	308	2	achsan	achsan	ADJ
hassl-3515	308	3	,	,	PUNCT
hassl-3515	308	4	w.	w.	PROPN
hassl-3515	308	5	,	,	PUNCT
hassl-3515	308	6	achsani	achsani	NOUN
hassl-3515	308	7	,	,	PUNCT
hassl-3515	308	8	n.	n.	PROPN
hassl-3515	308	9	a.	a.	PROPN
hassl-3515	308	10	,	,	PUNCT
hassl-3515	308	11	&	&	CCONJ
hassl-3515	308	12	bandono	bandono	PROPN
hassl-3515	308	13	,	,	PUNCT
hassl-3515	308	14	b.	b.	PROPN
hassl-3515	308	15	(	(	PUNCT
hassl-3515	308	16	2022	2022	NUM
hassl-3515	308	17	)	)	PUNCT
hassl-3515	308	18	.	.	PUNCT
hassl-3515	309	1	the	the	DET
hassl-3515	309	2	demographic	demographic	ADJ
hassl-3515	309	3	and	and	CCONJ
hassl-3515	309	4	behavior	behavior	NOUN
hassl-3515	309	5	determinant	determinant	ADJ
hassl-3515	309	6	of	of	ADP
hassl-3515	309	7	credit	credit	NOUN
hassl-3515	309	8	card	card	NOUN
hassl-3515	309	9	default	default	NOUN
hassl-3515	309	10	in	in	ADP
hassl-3515	309	11	indonesia	indonesia	PROPN
hassl-3515	309	12	.	.	PUNCT
hassl-3515	310	1	signifikan	signifikan	ADJ
hassl-3515	310	2	:	:	PUNCT
hassl-3515	310	3	jurnal	jurnal	ADJ
hassl-3515	310	4	ilmu	ilmu	PROPN
hassl-3515	310	5	ekonomi	ekonomi	PROPN
hassl-3515	310	6	,	,	PUNCT
hassl-3515	310	7	11(1	11(1	NUM
hassl-3515	310	8	)	)	PUNCT
hassl-3515	310	9	,	,	PUNCT
hassl-3515	310	10	43	43	NUM
hassl-3515	310	11	-	-	SYM
hassl-3515	310	12	56	56	NUM
hassl-3515	310	13	.	.	PUNCT
hassl-3515	310	14	https://doi.org/10.15408/sjie.v11i1.20215	https://doi.org/10.15408/sjie.v11i1.20215	PROPN
hassl-3515	310	15	ahmed	ahmed	PROPN
hassl-3515	310	16	,	,	PUNCT
hassl-3515	310	17	z.	z.	PROPN
hassl-3515	310	18	u.	u.	PROPN
hassl-3515	310	19	,	,	PUNCT
hassl-3515	310	20	ismail	ismail	PROPN
hassl-3515	310	21	,	,	PUNCT
hassl-3515	310	22	i.	i.	PROPN
hassl-3515	310	23	,	,	PUNCT
hassl-3515	310	24	sadiq	sadiq	PROPN
hassl-3515	310	25	sohail	sohail	PROPN
hassl-3515	310	26	,	,	PUNCT
hassl-3515	310	27	m.	m.	NOUN
hassl-3515	310	28	,	,	PUNCT
hassl-3515	310	29	tabsh	tabsh	NOUN
hassl-3515	310	30	,	,	PUNCT
hassl-3515	310	31	i.	i.	PROPN
hassl-3515	310	32	,	,	PUNCT
hassl-3515	310	33	&	&	CCONJ
hassl-3515	310	34	alias	alias	PROPN
hassl-3515	310	35	,	,	PUNCT
hassl-3515	310	36	h.	h.	PROPN
hassl-3515	310	37	(	(	PUNCT
hassl-3515	310	38	2010	2010	NUM
hassl-3515	310	39	)	)	PUNCT
hassl-3515	310	40	.	.	PUNCT
hassl-3515	311	1	malaysian	malaysian	ADJ
hassl-3515	311	2	consumers	consumer	NOUN
hassl-3515	311	3	'	'	PART
hassl-3515	311	4	credit	credit	NOUN
hassl-3515	311	5	card	card	NOUN
hassl-3515	311	6	usage	usage	NOUN
hassl-3515	311	7	behavior	behavior	NOUN
hassl-3515	311	8	.	.	PUNCT
hassl-3515	312	1	asia	asia	PROPN
hassl-3515	312	2	pacific	pacific	PROPN
hassl-3515	312	3	journal	journal	PROPN
hassl-3515	312	4	of	of	ADP
hassl-3515	312	5	marketing	marketing	NOUN
hassl-3515	312	6	and	and	CCONJ
hassl-3515	312	7	logistics	logistic	NOUN
hassl-3515	312	8	,	,	PUNCT
hassl-3515	312	9	22(4	22(4	NUM
hassl-3515	312	10	)	)	PUNCT
hassl-3515	312	11	,	,	PUNCT
hassl-3515	312	12	528	528	NUM
hassl-3515	312	13	-	-	SYM
hassl-3515	312	14	544	544	NUM
hassl-3515	312	15	.	.	PUNCT
hassl-3515	312	16	https://doi.org/10.1108/13555851011090547	https://doi.org/10.1108/13555851011090547	PROPN
hassl-3515	312	17	akela	akela	PROPN
hassl-3515	312	18	,	,	PUNCT
hassl-3515	312	19	b.	b.	PROPN
hassl-3515	312	20	s.	s.	PROPN
hassl-3515	312	21	(	(	PUNCT
hassl-3515	312	22	2020	2020	NUM
hassl-3515	312	23	)	)	PUNCT
hassl-3515	312	24	.	.	PUNCT
hassl-3515	313	1	the	the	DET
hassl-3515	313	2	impact	impact	NOUN
hassl-3515	313	3	of	of	ADP
hassl-3515	313	4	the	the	DET
hassl-3515	313	5	use	use	NOUN
hassl-3515	313	6	of	of	ADP
hassl-3515	313	7	credit	credit	NOUN
hassl-3515	313	8	cards	card	NOUN
hassl-3515	313	9	on	on	ADP
hassl-3515	313	10	buying	buy	VERB
hassl-3515	313	11	behavior	behavior	NOUN
hassl-3515	313	12	.	.	PUNCT
hassl-3515	314	1	international	international	ADJ
hassl-3515	314	2	journal	journal	PROPN
hassl-3515	314	3	of	of	ADP
hassl-3515	314	4	education	education	NOUN
hassl-3515	314	5	,	,	PUNCT
hassl-3515	314	6	modern	modern	ADJ
hassl-3515	314	7	management	management	NOUN
hassl-3515	314	8	,	,	PUNCT
hassl-3515	314	9	applied	apply	VERB
hassl-3515	314	10	science	science	NOUN
hassl-3515	314	11	,	,	PUNCT
hassl-3515	314	12	&	&	CCONJ
hassl-3515	314	13	social	social	ADJ
hassl-3515	314	14	science	science	NOUN
hassl-3515	314	15	,	,	PUNCT
hassl-3515	314	16	2(3	2(3	NUM
hassl-3515	314	17	)	)	PUNCT
hassl-3515	314	18	,	,	PUNCT
hassl-3515	314	19	84–88	84–88	NUM
hassl-3515	314	20	.	.	PUNCT
hassl-3515	315	1	alam	alam	PROPN
hassl-3515	315	2	,	,	PUNCT
hassl-3515	315	3	s.	s.	PROPN
hassl-3515	315	4	s.	s.	PROPN
hassl-3515	315	5	,	,	PUNCT
hassl-3515	315	6	rahim	rahim	PROPN
hassl-3515	315	7	,	,	PUNCT
hassl-3515	315	8	r.	r.	PROPN
hassl-3515	315	9	a.	a.	PROPN
hassl-3515	315	10	,	,	PUNCT
hassl-3515	315	11	haq	haq	PROPN
hassl-3515	315	12	,	,	PUNCT
hassl-3515	315	13	m.	m.	NOUN
hassl-3515	315	14	r.	r.	PROPN
hassl-3515	315	15	,	,	PUNCT
hassl-3515	315	16	&	&	CCONJ
hassl-3515	315	17	khan	khan	PROPN
hassl-3515	315	18	,	,	PUNCT
hassl-3515	315	19	m.	m.	NOUN
hassl-3515	315	20	a.	a.	PROPN
hassl-3515	315	21	r.	r.	PROPN
hassl-3515	315	22	(	(	PUNCT
hassl-3515	315	23	2014	2014	NUM
hassl-3515	315	24	)	)	PUNCT
hassl-3515	315	25	.	.	PUNCT
hassl-3515	316	1	what	what	PRON
hassl-3515	316	2	influence	influence	NOUN
hassl-3515	316	3	credit	credit	NOUN
hassl-3515	316	4	card	card	NOUN
hassl-3515	316	5	debts	debt	NOUN
hassl-3515	316	6	in	in	ADP
hassl-3515	316	7	young	young	ADJ
hassl-3515	316	8	consumers	consumer	NOUN
hassl-3515	316	9	in	in	ADP
hassl-3515	316	10	malaysia	malaysia	PROPN
hassl-3515	316	11	.	.	PUNCT
hassl-3515	317	1	journal	journal	PROPN
hassl-3515	317	2	of	of	ADP
hassl-3515	317	3	public	public	ADJ
hassl-3515	317	4	administration	administration	NOUN
hassl-3515	317	5	,	,	PUNCT
hassl-3515	317	6	finance	finance	NOUN
hassl-3515	317	7	and	and	CCONJ
hassl-3515	317	8	law	law	NOUN
hassl-3515	317	9	,	,	PUNCT
hassl-3515	317	10	6(6	6(6	NOUN
hassl-3515	317	11	)	)	PUNCT
hassl-3515	317	12	,	,	PUNCT
hassl-3515	317	13	106	106	NUM
hassl-3515	317	14	-	-	SYM
hassl-3515	317	15	116	116	NUM
hassl-3515	317	16	.	.	PUNCT
hassl-3515	318	1	baumeister	baumeister	PROPN
hassl-3515	318	2	,	,	PUNCT
hassl-3515	318	3	r.	r.	PROPN
hassl-3515	318	4	f.	f.	PROPN
hassl-3515	318	5	(	(	PUNCT
hassl-3515	318	6	2002	2002	NUM
hassl-3515	318	7	)	)	PUNCT
hassl-3515	318	8	.	.	PUNCT
hassl-3515	319	1	yielding	yield	VERB
hassl-3515	319	2	to	to	ADP
hassl-3515	319	3	temptation	temptation	NOUN
hassl-3515	319	4	:	:	PUNCT
hassl-3515	319	5	self	self	NOUN
hassl-3515	319	6	-	-	PUNCT
hassl-3515	319	7	control	control	NOUN
hassl-3515	319	8	failure	failure	NOUN
hassl-3515	319	9	,	,	PUNCT
hassl-3515	319	10	impulsive	impulsive	ADJ
hassl-3515	319	11	purchasing	purchasing	NOUN
hassl-3515	319	12	,	,	PUNCT
hassl-3515	319	13	and	and	CCONJ
hassl-3515	319	14	consumer	consumer	NOUN
hassl-3515	319	15	behavior	behavior	NOUN
hassl-3515	319	16	.	.	PUNCT
hassl-3515	320	1	journal	journal	PROPN
hassl-3515	320	2	of	of	ADP
hassl-3515	320	3	consumer	consumer	NOUN
hassl-3515	320	4	research	research	NOUN
hassl-3515	320	5	,	,	PUNCT
hassl-3515	320	6	28(4	28(4	NUM
hassl-3515	320	7	)	)	PUNCT
hassl-3515	320	8	,	,	PUNCT
hassl-3515	320	9	670–676	670–676	NUM
hassl-3515	320	10	.	.	PUNCT
hassl-3515	321	1	https://doi.org/10.1086/338209	https://doi.org/10.1086/338209	VERB
hassl-3515	321	2	baumeister	baumeister	ADV
hassl-3515	321	3	,	,	PUNCT
hassl-3515	321	4	r.	r.	PROPN
hassl-3515	321	5	f.	f.	PROPN
hassl-3515	321	6	,	,	PUNCT
hassl-3515	321	7	bratslavsky	bratslavsky	NOUN
hassl-3515	321	8	,	,	PUNCT
hassl-3515	321	9	e.	e.	PROPN
hassl-3515	321	10	,	,	PUNCT
hassl-3515	321	11	muraven	muraven	NOUN
hassl-3515	321	12	,	,	PUNCT
hassl-3515	321	13	m.	m.	NOUN
hassl-3515	321	14	,	,	PUNCT
hassl-3515	321	15	&	&	CCONJ
hassl-3515	321	16	tice	tice	PROPN
hassl-3515	321	17	,	,	PUNCT
hassl-3515	321	18	d.	d.	PROPN
hassl-3515	321	19	m.	m.	PROPN
hassl-3515	321	20	(	(	PUNCT
hassl-3515	321	21	1998	1998	NUM
hassl-3515	321	22	)	)	PUNCT
hassl-3515	321	23	.	.	PUNCT
hassl-3515	322	1	ego	ego	ADJ
hassl-3515	322	2	depletion	depletion	NOUN
hassl-3515	322	3	:	:	PUNCT
hassl-3515	322	4	is	be	AUX
hassl-3515	322	5	the	the	DET
hassl-3515	322	6	active	active	ADJ
hassl-3515	322	7	self	self	NOUN
hassl-3515	322	8	a	a	DET
hassl-3515	322	9	limited	limited	ADJ
hassl-3515	322	10	resource	resource	NOUN
hassl-3515	322	11	?	?	PUNCT
hassl-3515	323	1	journal	journal	NOUN
hassl-3515	323	2	of	of	ADP
hassl-3515	323	3	personality	personality	NOUN
hassl-3515	323	4	and	and	CCONJ
hassl-3515	323	5	social	social	ADJ
hassl-3515	323	6	psychology	psychology	NOUN
hassl-3515	323	7	,	,	PUNCT
hassl-3515	323	8	74(5	74(5	NOUN
hassl-3515	323	9	)	)	PUNCT
hassl-3515	323	10	,	,	PUNCT
hassl-3515	323	11	1252	1252	NUM
hassl-3515	323	12	-	-	SYM
hassl-3515	323	13	1265	1265	NUM
hassl-3515	323	14	.	.	PUNCT
hassl-3515	324	1	https://doi.org/10.1037/0022-3514.74.5.1252	https://doi.org/10.1037/0022-3514.74.5.1252	PROPN
hassl-3515	324	2	braunsberger	braunsberger	PROPN
hassl-3515	324	3	,	,	PUNCT
hassl-3515	324	4	k.	k.	PROPN
hassl-3515	324	5	,	,	PUNCT
hassl-3515	324	6	lucas	lucas	PROPN
hassl-3515	324	7	,	,	PUNCT
hassl-3515	324	8	l.	l.	PROPN
hassl-3515	324	9	a.	a.	PROPN
hassl-3515	324	10	,	,	PUNCT
hassl-3515	324	11	&	&	CCONJ
hassl-3515	324	12	roach	roach	PROPN
hassl-3515	324	13	,	,	PUNCT
hassl-3515	324	14	d.	d.	PROPN
hassl-3515	324	15	(	(	PUNCT
hassl-3515	324	16	2004	2004	NUM
hassl-3515	324	17	)	)	PUNCT
hassl-3515	324	18	.	.	PUNCT
hassl-3515	325	1	the	the	DET
hassl-3515	325	2	effectiveness	effectiveness	NOUN
hassl-3515	325	3	of	of	ADP
hassl-3515	325	4	credit‐card	credit‐card	NOUN
hassl-3515	325	5	regulation	regulation	NOUN
hassl-3515	325	6	for	for	ADP
hassl-3515	325	7	vulnerable	vulnerable	ADJ
hassl-3515	325	8	consumers	consumer	NOUN
hassl-3515	325	9	.	.	PUNCT
hassl-3515	326	1	journal	journal	PROPN
hassl-3515	326	2	of	of	ADP
hassl-3515	326	3	services	service	NOUN
hassl-3515	326	4	marketing	marketing	NOUN
hassl-3515	326	5	,	,	PUNCT
hassl-3515	326	6	18(5	18(5	NUM
hassl-3515	326	7	)	)	PUNCT
hassl-3515	326	8	,	,	PUNCT
hassl-3515	326	9	358	358	NUM
hassl-3515	326	10	-	-	SYM
hassl-3515	326	11	370	370	NUM
hassl-3515	326	12	.	.	PUNCT
hassl-3515	327	1	https://doi.org/10.1108/08876040410548285	https://doi.org/10.1108/08876040410548285	PROPN
hassl-3515	328	1	chen	chen	PROPN
hassl-3515	328	2	,	,	PUNCT
hassl-3515	328	3	f.	f.	PROPN
hassl-3515	328	4	,	,	PUNCT
hassl-3515	328	5	yu	yu	PROPN
hassl-3515	328	6	,	,	PUNCT
hassl-3515	328	7	d.	d.	PROPN
hassl-3515	328	8	,	,	PUNCT
hassl-3515	328	9	&	&	CCONJ
hassl-3515	328	10	sun	sun	PROPN
hassl-3515	328	11	,	,	PUNCT
hassl-3515	328	12	z.	z.	PROPN
hassl-3515	328	13	(	(	PUNCT
hassl-3515	328	14	2023	2023	NUM
hassl-3515	328	15	)	)	PUNCT
hassl-3515	328	16	.	.	PUNCT
hassl-3515	329	1	investigating	investigate	VERB
hassl-3515	329	2	the	the	DET
hassl-3515	329	3	associations	association	NOUN
hassl-3515	329	4	of	of	ADP
hassl-3515	329	5	consumer	consumer	NOUN
hassl-3515	329	6	financial	financial	ADJ
hassl-3515	329	7	knowledge	knowledge	NOUN
hassl-3515	329	8	and	and	CCONJ
hassl-3515	329	9	financial	financial	ADJ
hassl-3515	329	10	behaviors	behavior	NOUN
hassl-3515	329	11	of	of	ADP
hassl-3515	329	12	credit	credit	NOUN
hassl-3515	329	13	card	card	NOUN
hassl-3515	329	14	use	use	NOUN
hassl-3515	329	15	.	.	PUNCT
hassl-3515	330	1	heliyon	heliyon	NOUN
hassl-3515	330	2	,	,	PUNCT
hassl-3515	330	3	9(1	9(1	NUM
hassl-3515	330	4	)	)	PUNCT
hassl-3515	330	5	,	,	PUNCT
hassl-3515	330	6	e12713	e12713	PROPN
hassl-3515	330	7	.	.	PUNCT
hassl-3515	331	1	https://doi.org/10.1016/j.heliyon.2022.e12713	https://doi.org/10.1016/j.heliyon.2022.e12713	NOUN
hassl-3515	331	2	dash	dash	NOUN
hassl-3515	331	3	,	,	PUNCT
hassl-3515	331	4	g.	g.	PROPN
hassl-3515	331	5	,	,	PUNCT
hassl-3515	331	6	&	&	CCONJ
hassl-3515	331	7	paul	paul	PROPN
hassl-3515	331	8	,	,	PUNCT
hassl-3515	331	9	j.	j.	PROPN
hassl-3515	331	10	(	(	PUNCT
hassl-3515	331	11	2021	2021	NUM
hassl-3515	331	12	)	)	PUNCT
hassl-3515	331	13	.	.	PUNCT
hassl-3515	332	1	cb	cb	PROPN
hassl-3515	332	2	-	-	PUNCT
hassl-3515	332	3	sem	sem	PROPN
hassl-3515	332	4	vs.	vs.	ADP
hassl-3515	332	5	pls	pls	PROPN
hassl-3515	332	6	-	-	PUNCT
hassl-3515	332	7	sem	sem	NOUN
hassl-3515	332	8	methods	method	NOUN
hassl-3515	332	9	for	for	ADP
hassl-3515	332	10	research	research	NOUN
hassl-3515	332	11	in	in	ADP
hassl-3515	332	12	social	social	ADJ
hassl-3515	332	13	sciences	science	NOUN
hassl-3515	332	14	and	and	CCONJ
hassl-3515	332	15	technology	technology	NOUN
hassl-3515	332	16	forecasting	forecasting	NOUN
hassl-3515	332	17	.	.	PUNCT
hassl-3515	333	1	technological	technological	ADJ
hassl-3515	333	2	forecasting	forecasting	NOUN
hassl-3515	333	3	and	and	CCONJ
hassl-3515	333	4	social	social	ADJ
hassl-3515	333	5	change	change	NOUN
hassl-3515	333	6	,	,	PUNCT
hassl-3515	333	7	173	173	NUM
hassl-3515	333	8	,	,	PUNCT
hassl-3515	333	9	121092	121092	NUM
hassl-3515	333	10	.	.	PUNCT
hassl-3515	334	1	https://doi.org/10.1016/j.techfore.2021.121092	https://doi.org/10.1016/j.techfore.2021.121092	PROPN
hassl-3515	334	2	destianata	destianata	PROPN
hassl-3515	334	3	,	,	PUNCT
hassl-3515	334	4	c.	c.	PROPN
hassl-3515	334	5	r.	r.	PROPN
hassl-3515	334	6	,	,	PUNCT
hassl-3515	334	7	&	&	CCONJ
hassl-3515	334	8	lutfi	lutfi	PROPN
hassl-3515	334	9	,	,	PUNCT
hassl-3515	334	10	l.	l.	PROPN
hassl-3515	334	11	(	(	PUNCT
hassl-3515	334	12	2016	2016	NUM
hassl-3515	334	13	)	)	PUNCT
hassl-3515	334	14	.	.	PUNCT
hassl-3515	335	1	the	the	DET
hassl-3515	335	2	influence	influence	NOUN
hassl-3515	335	3	of	of	ADP
hassl-3515	335	4	financial	financial	ADJ
hassl-3515	335	5	literacy	literacy	NOUN
hassl-3515	335	6	and	and	CCONJ
hassl-3515	335	7	experience	experience	NOUN
hassl-3515	335	8	on	on	ADP
hassl-3515	335	9	credit	credit	NOUN
hassl-3515	335	10	card	card	NOUN
hassl-3515	335	11	utilization	utilization	NOUN
hassl-3515	335	12	of	of	ADP
hassl-3515	335	13	employees	employee	NOUN
hassl-3515	335	14	in	in	ADP
hassl-3515	335	15	banyuwangi	banyuwangi	PROPN
hassl-3515	335	16	.	.	PUNCT
hassl-3515	336	1	journal	journal	PROPN
hassl-3515	336	2	of	of	ADP
hassl-3515	336	3	business	business	PROPN
hassl-3515	336	4	&	&	CCONJ
hassl-3515	336	5	banking	banking	NOUN
hassl-3515	336	6	,	,	PUNCT
hassl-3515	336	7	6(2	6(2	NUM
hassl-3515	336	8	)	)	PUNCT
hassl-3515	336	9	,	,	PUNCT
hassl-3515	336	10	269–280	269–280	NUM
hassl-3515	336	11	.	.	PUNCT
hassl-3515	337	1	https://doi.org/10.14414/jbb.v6i2.730	https://doi.org/10.14414/jbb.v6i2.730	ADV
hassl-3515	337	2	dittmar	dittmar	NOUN
hassl-3515	337	3	,	,	PUNCT
hassl-3515	337	4	h.	h.	PROPN
hassl-3515	337	5	,	,	PUNCT
hassl-3515	337	6	long	long	ADV
hassl-3515	337	7	,	,	PUNCT
hassl-3515	337	8	k.	k.	PROPN
hassl-3515	337	9	,	,	PUNCT
hassl-3515	337	10	&	&	CCONJ
hassl-3515	337	11	meek	meek	PROPN
hassl-3515	337	12	,	,	PUNCT
hassl-3515	337	13	r.	r.	PROPN
hassl-3515	337	14	(	(	PUNCT
hassl-3515	337	15	2004	2004	NUM
hassl-3515	337	16	)	)	PUNCT
hassl-3515	337	17	.	.	PUNCT
hassl-3515	338	1	buying	buy	VERB
hassl-3515	338	2	on	on	ADP
hassl-3515	338	3	the	the	DET
hassl-3515	338	4	internet	internet	NOUN
hassl-3515	338	5	:	:	PUNCT
hassl-3515	338	6	gender	gender	NOUN
hassl-3515	338	7	differences	difference	NOUN
hassl-3515	338	8	in	in	ADP
hassl-3515	338	9	on	on	ADP
hassl-3515	338	10	-	-	PUNCT
hassl-3515	338	11	line	line	NOUN
hassl-3515	338	12	and	and	CCONJ
hassl-3515	338	13	conventional	conventional	ADJ
hassl-3515	338	14	buying	buying	NOUN
hassl-3515	338	15	motivations	motivation	NOUN
hassl-3515	338	16	.	.	PUNCT
hassl-3515	339	1	sex	sex	NOUN
hassl-3515	339	2	roles	role	NOUN
hassl-3515	339	3	,	,	PUNCT
hassl-3515	339	4	50	50	NUM
hassl-3515	339	5	,	,	PUNCT
hassl-3515	339	6	423	423	NUM
hassl-3515	339	7	-	-	SYM
hassl-3515	339	8	444	444	NUM
hassl-3515	339	9	.	.	PUNCT
hassl-3515	340	1	https://doi.org/10.1023/b:sers.0000018896.35251.c7	https://doi.org/10.1023/b:sers.0000018896.35251.c7	PROPN
hassl-3515	340	2	fernández	fernández	PROPN
hassl-3515	340	3	-	-	PUNCT
hassl-3515	340	4	lópez	lópez	PROPN
hassl-3515	340	5	,	,	PUNCT
hassl-3515	340	6	s.	s.	PROPN
hassl-3515	340	7	,	,	PUNCT
hassl-3515	340	8	castro	castro	PROPN
hassl-3515	340	9	-	-	PUNCT
hassl-3515	340	10	gonzález	gonzález	PROPN
hassl-3515	340	11	,	,	PUNCT
hassl-3515	340	12	s.	s.	PROPN
hassl-3515	340	13	,	,	PUNCT
hassl-3515	340	14	rey	rey	PROPN
hassl-3515	340	15	-	-	PUNCT
hassl-3515	340	16	ares	ares	PROPN
hassl-3515	340	17	,	,	PUNCT
hassl-3515	340	18	l.	l.	PROPN
hassl-3515	340	19	,	,	PUNCT
hassl-3515	340	20	&	&	CCONJ
hassl-3515	340	21	rodeiro	rodeiro	NOUN
hassl-3515	340	22	-	-	PUNCT
hassl-3515	340	23	pazos	pazos	PROPN
hassl-3515	340	24	,	,	PUNCT
hassl-3515	340	25	d.	d.	PROPN
hassl-3515	340	26	(	(	PUNCT
hassl-3515	340	27	2023	2023	NUM
hassl-3515	340	28	)	)	PUNCT
hassl-3515	340	29	.	.	PUNCT
hassl-3515	341	1	self	self	NOUN
hassl-3515	341	2	-	-	PUNCT
hassl-3515	341	3	control	control	NOUN
hassl-3515	341	4	and	and	CCONJ
hassl-3515	341	5	debt	debt	NOUN
hassl-3515	341	6	decisions	decision	NOUN
hassl-3515	341	7	relationship	relationship	NOUN
hassl-3515	341	8	:	:	PUNCT
hassl-3515	341	9	evidence	evidence	NOUN
hassl-3515	341	10	for	for	ADP
hassl-3515	341	11	different	different	ADJ
hassl-3515	341	12	credit	credit	NOUN
hassl-3515	341	13	options	option	NOUN
hassl-3515	341	14	.	.	PUNCT
hassl-3515	342	1	current	current	ADJ
hassl-3515	342	2	psychology	psychology	NOUN
hassl-3515	342	3	,	,	PUNCT
hassl-3515	342	4	1	1	NUM
hassl-3515	342	5	-	-	SYM
hassl-3515	342	6	18	18	NUM
hassl-3515	342	7	.	.	PUNCT
hassl-3515	343	1	https://doi.org/10.1007/s12144-023-04251-7	https://doi.org/10.1007/s12144-023-04251-7	NUM
hassl-3515	343	2	gathergood	gathergood	NOUN
hassl-3515	343	3	,	,	PUNCT
hassl-3515	343	4	j.	j.	PROPN
hassl-3515	343	5	(	(	PUNCT
hassl-3515	343	6	2012	2012	NUM
hassl-3515	343	7	)	)	PUNCT
hassl-3515	343	8	.	.	PUNCT
hassl-3515	344	1	self	self	NOUN
hassl-3515	344	2	-	-	PUNCT
hassl-3515	344	3	control	control	NOUN
hassl-3515	344	4	,	,	PUNCT
hassl-3515	344	5	financial	financial	ADJ
hassl-3515	344	6	literacy	literacy	NOUN
hassl-3515	344	7	,	,	PUNCT
hassl-3515	344	8	and	and	CCONJ
hassl-3515	344	9	consumer	consumer	NOUN
hassl-3515	344	10	over	over	ADP
hassl-3515	344	11	-	-	PUNCT
hassl-3515	344	12	indebtedness	indebtedness	NOUN
hassl-3515	344	13	.	.	PUNCT
hassl-3515	345	1	journal	journal	NOUN
hassl-3515	345	2	of	of	ADP
hassl-3515	345	3	economic	economic	ADJ
hassl-3515	345	4	psychology	psychology	NOUN
hassl-3515	345	5	,	,	PUNCT
hassl-3515	345	6	33(3	33(3	NOUN
hassl-3515	345	7	)	)	PUNCT
hassl-3515	345	8	,	,	PUNCT
hassl-3515	345	9	590–602	590–602	NUM
hassl-3515	345	10	.	.	PUNCT
hassl-3515	346	1	https://doi.org/10.1016/j.joep.2011.11.006	https://doi.org/10.1016/j.joep.2011.11.006	NOUN
hassl-3515	346	2	https://doi.org/10.15408/sjie.v11i1.20215	https://doi.org/10.15408/sjie.v11i1.20215	NOUN
hassl-3515	346	3	https://doi.org/10.1108/13555851011090547	https://doi.org/10.1108/13555851011090547	PUNCT
hassl-3515	346	4	https://doi.org/10.1086/338209	https://doi.org/10.1086/338209	NOUN
hassl-3515	346	5	https://doi.org/10.1037/0022-3514.74.5.1252	https://doi.org/10.1037/0022-3514.74.5.1252	NOUN
hassl-3515	346	6	https://doi.org/10.1108/08876040410548285	https://doi.org/10.1108/08876040410548285	PROPN
hassl-3515	346	7	https://doi.org/10.1016/j.heliyon.2022.e12713	https://doi.org/10.1016/j.heliyon.2022.e12713	PROPN
hassl-3515	346	8	https://doi.org/10.1016/j.techfore.2021.121092	https://doi.org/10.1016/j.techfore.2021.121092	PROPN
hassl-3515	346	9	https://doi.org/10.14414/jbb.v6i2.730	https://doi.org/10.14414/jbb.v6i2.730	PROPN
hassl-3515	346	10	https://doi.org/10.1023/b:sers.0000018896.35251.c7	https://doi.org/10.1023/b:sers.0000018896.35251.c7	PROPN
hassl-3515	346	11	https://doi.org/10.1007/s12144-023-04251-7	https://doi.org/10.1007/s12144-023-04251-7	NUM
hassl-3515	346	12	https://doi.org/10.1016/j.joep.2011.11.006	https://doi.org/10.1016/j.joep.2011.11.006	NOUN
hassl-3515	346	13	humanities	humanity	NOUN
hassl-3515	346	14	and	and	CCONJ
hassl-3515	346	15	social	social	ADJ
hassl-3515	346	16	sciences	science	NOUN
hassl-3515	346	17	letters	letter	NOUN
hassl-3515	346	18	,	,	PUNCT
hassl-3515	346	19	2023	2023	NUM
hassl-3515	346	20	,	,	PUNCT
hassl-3515	346	21	11(3	11(3	NUM
hassl-3515	346	22	):	):	PUNCT
hassl-3515	346	23	349	349	NUM
hassl-3515	346	24	-	-	SYM
hassl-3515	346	25	361	361	NUM
hassl-3515	346	26	360	360	NUM
hassl-3515	346	27	©	©	PROPN
hassl-3515	346	28	2023	2023	NUM
hassl-3515	346	29	conscientia	conscientia	PROPN
hassl-3515	346	30	beam	beam	PROPN
hassl-3515	346	31	.	.	PUNCT
hassl-3515	347	1	all	all	DET
hassl-3515	347	2	rights	right	NOUN
hassl-3515	347	3	reserved	reserve	VERB
hassl-3515	347	4	.	.	PUNCT
hassl-3515	348	1	ghozali	ghozali	PROPN
hassl-3515	348	2	,	,	PUNCT
hassl-3515	348	3	i.	i.	PROPN
hassl-3515	348	4	(	(	PUNCT
hassl-3515	348	5	2017	2017	NUM
hassl-3515	348	6	)	)	PUNCT
hassl-3515	348	7	.	.	PUNCT
hassl-3515	349	1	structural	structural	ADJ
hassl-3515	349	2	equation	equation	NOUN
hassl-3515	349	3	modelling	modelling	NOUN
hassl-3515	349	4	:	:	PUNCT
hassl-3515	349	5	concepts	concept	NOUN
hassl-3515	349	6	and	and	CCONJ
hassl-3515	349	7	their	their	PRON
hassl-3515	349	8	application	application	NOUN
hassl-3515	349	9	by	by	ADP
hassl-3515	349	10	amos	amos	PROPN
hassl-3515	349	11	24	24	NUM
hassl-3515	349	12	(	(	PUNCT
hassl-3515	349	13	7th	7th	ADJ
hassl-3515	349	14	ed	ed	NOUN
hassl-3515	349	15	.	.	PUNCT
hassl-3515	349	16	)	)	PUNCT
hassl-3515	349	17	.	.	PUNCT
hassl-3515	350	1	semarang	semarang	PROPN
hassl-3515	350	2	:	:	PUNCT
hassl-3515	351	1	badan	badan	PROPN
hassl-3515	351	2	penerbit	penerbit	PROPN
hassl-3515	351	3	universitas	universita	NOUN
hassl-3515	351	4	diponegoro	diponegoro	PROPN
hassl-3515	351	5	.	.	PUNCT
hassl-3515	351	6	hartono	hartono	PROPN
hassl-3515	351	7	,	,	PUNCT
hassl-3515	351	8	j.	j.	PROPN
hassl-3515	351	9	(	(	PUNCT
hassl-3515	351	10	2012	2012	NUM
hassl-3515	351	11	)	)	PUNCT
hassl-3515	351	12	.	.	PUNCT
hassl-3515	352	1	business	business	NOUN
hassl-3515	352	2	research	research	NOUN
hassl-3515	352	3	methodology	methodology	NOUN
hassl-3515	352	4	:	:	PUNCT
hassl-3515	352	5	misunderstandings	misunderstanding	NOUN
hassl-3515	352	6	and	and	CCONJ
hassl-3515	352	7	experiences	experience	NOUN
hassl-3515	352	8	(	(	PUNCT
hassl-3515	352	9	5th	5th	ADJ
hassl-3515	352	10	ed	ed	NOUN
hassl-3515	352	11	.	.	PUNCT
hassl-3515	352	12	)	)	PUNCT
hassl-3515	352	13	.	.	PUNCT
hassl-3515	353	1	yogyakarta	yogyakarta	PROPN
hassl-3515	353	2	:	:	PUNCT
hassl-3515	354	1	publishing	publish	VERB
hassl-3515	354	2	board	board	NOUN
hassl-3515	354	3	of	of	ADP
hassl-3515	354	4	the	the	DET
hassl-3515	354	5	faculty	faculty	NOUN
hassl-3515	354	6	of	of	ADP
hassl-3515	354	7	economics	economic	NOUN
hassl-3515	354	8	,	,	PUNCT
hassl-3515	354	9	gadjah	gadjah	PROPN
hassl-3515	354	10	mada	mada	PROPN
hassl-3515	354	11	university	university	PROPN
hassl-3515	354	12	.	.	PUNCT
hassl-3515	355	1	haryana	haryana	PROPN
hassl-3515	355	2	,	,	PUNCT
hassl-3515	355	3	r.	r.	PROPN
hassl-3515	355	4	d.	d.	PROPN
hassl-3515	355	5	t.	t.	PROPN
hassl-3515	355	6	(	(	PUNCT
hassl-3515	355	7	2017	2017	NUM
hassl-3515	355	8	)	)	PUNCT
hassl-3515	355	9	.	.	PUNCT
hassl-3515	356	1	the	the	DET
hassl-3515	356	2	impact	impact	NOUN
hassl-3515	356	3	of	of	ADP
hassl-3515	356	4	mental	mental	ADJ
hassl-3515	356	5	accounting	accounting	NOUN
hassl-3515	356	6	and	and	CCONJ
hassl-3515	356	7	psychological	psychological	ADJ
hassl-3515	356	8	factors	factor	NOUN
hassl-3515	356	9	on	on	ADP
hassl-3515	356	10	consumer	consumer	NOUN
hassl-3515	356	11	behavior	behavior	NOUN
hassl-3515	356	12	to	to	PART
hassl-3515	356	13	utilize	utilize	VERB
hassl-3515	356	14	the	the	DET
hassl-3515	356	15	credit	credit	NOUN
hassl-3515	356	16	card	card	NOUN
hassl-3515	356	17	.	.	PUNCT
hassl-3515	357	1	jurnal	jurnal	ADJ
hassl-3515	357	2	akuntansi	akuntansi	PROPN
hassl-3515	357	3	,	,	PUNCT
hassl-3515	357	4	2(3	2(3	NUM
hassl-3515	357	5	)	)	PUNCT
hassl-3515	357	6	,	,	PUNCT
hassl-3515	357	7	553–571	553–571	NUM
hassl-3515	357	8	.	.	PUNCT
hassl-3515	357	9	https://doi.org/10.30736/jpensi.v2i3.108	https://doi.org/10.30736/jpensi.v2i3.108	PROPN
hassl-3515	357	10	hernández	hernández	PROPN
hassl-3515	357	11	-	-	PUNCT
hassl-3515	357	12	mejía	mejía	PROPN
hassl-3515	357	13	,	,	PUNCT
hassl-3515	357	14	s.	s.	PROPN
hassl-3515	357	15	,	,	PUNCT
hassl-3515	357	16	garcía	garcía	ADJ
hassl-3515	357	17	-	-	PUNCT
hassl-3515	357	18	santillán	santillán	NOUN
hassl-3515	357	19	,	,	PUNCT
hassl-3515	357	20	a.	a.	NOUN
hassl-3515	357	21	,	,	PUNCT
hassl-3515	357	22	&	&	CCONJ
hassl-3515	357	23	moreno	moreno	PROPN
hassl-3515	357	24	-	-	PUNCT
hassl-3515	357	25	garcía	garcía	PROPN
hassl-3515	357	26	,	,	PUNCT
hassl-3515	357	27	e.	e.	PROPN
hassl-3515	357	28	(	(	PUNCT
hassl-3515	357	29	2021	2021	NUM
hassl-3515	357	30	)	)	PUNCT
hassl-3515	357	31	.	.	PUNCT
hassl-3515	358	1	financial	financial	ADJ
hassl-3515	358	2	literacy	literacy	NOUN
hassl-3515	358	3	and	and	CCONJ
hassl-3515	358	4	the	the	DET
hassl-3515	358	5	use	use	NOUN
hassl-3515	358	6	of	of	ADP
hassl-3515	358	7	credit	credit	NOUN
hassl-3515	358	8	cards	card	NOUN
hassl-3515	358	9	in	in	ADP
hassl-3515	358	10	mexico	mexico	PROPN
hassl-3515	358	11	.	.	PUNCT
hassl-3515	359	1	journal	journal	PROPN
hassl-3515	359	2	of	of	ADP
hassl-3515	359	3	international	international	ADJ
hassl-3515	359	4	studies	study	NOUN
hassl-3515	359	5	,	,	PUNCT
hassl-3515	359	6	14(4	14(4	NUM
hassl-3515	359	7	)	)	PUNCT
hassl-3515	359	8	,	,	PUNCT
hassl-3515	359	9	97	97	NUM
hassl-3515	359	10	-	-	SYM
hassl-3515	359	11	112	112	NUM
hassl-3515	359	12	.	.	PUNCT
hassl-3515	360	1	https://doi.org/10.14254/2071-8330.2021/14-4/7	https://doi.org/10.14254/2071-8330.2021/14-4/7	PROPN
hassl-3515	360	2	hussin	hussin	PROPN
hassl-3515	360	3	,	,	PUNCT
hassl-3515	360	4	s.	s.	PROPN
hassl-3515	360	5	r.	r.	PROPN
hassl-3515	360	6	,	,	PUNCT
hassl-3515	360	7	kassim	kassim	PROPN
hassl-3515	360	8	,	,	PUNCT
hassl-3515	360	9	s.	s.	PROPN
hassl-3515	360	10	,	,	PUNCT
hassl-3515	360	11	&	&	CCONJ
hassl-3515	360	12	jamal	jamal	PROPN
hassl-3515	360	13	,	,	PUNCT
hassl-3515	360	14	n.	n.	PROPN
hassl-3515	360	15	(	(	PUNCT
hassl-3515	360	16	2013	2013	NUM
hassl-3515	360	17	)	)	PUNCT
hassl-3515	360	18	.	.	PUNCT
hassl-3515	361	1	credit	credit	NOUN
hassl-3515	361	2	card	card	NOUN
hassl-3515	361	3	holders	holder	NOUN
hassl-3515	361	4	in	in	ADP
hassl-3515	361	5	malaysia	malaysia	PROPN
hassl-3515	361	6	:	:	PUNCT
hassl-3515	361	7	customer	customer	NOUN
hassl-3515	361	8	characteristics	characteristic	NOUN
hassl-3515	361	9	and	and	CCONJ
hassl-3515	361	10	credit	credit	NOUN
hassl-3515	361	11	card	card	NOUN
hassl-3515	361	12	usage	usage	NOUN
hassl-3515	361	13	.	.	PUNCT
hassl-3515	362	1	international	international	ADJ
hassl-3515	362	2	journal	journal	PROPN
hassl-3515	362	3	of	of	ADP
hassl-3515	362	4	economics	economic	NOUN
hassl-3515	362	5	and	and	CCONJ
hassl-3515	362	6	management	management	NOUN
hassl-3515	362	7	,	,	PUNCT
hassl-3515	362	8	7(1	7(1	NUM
hassl-3515	362	9	)	)	PUNCT
hassl-3515	362	10	,	,	PUNCT
hassl-3515	362	11	108–122	108–122	NUM
hassl-3515	362	12	.	.	PUNCT
hassl-3515	363	1	huston	huston	PROPN
hassl-3515	363	2	,	,	PUNCT
hassl-3515	363	3	s.	s.	PROPN
hassl-3515	363	4	j.	j.	PROPN
hassl-3515	363	5	(	(	PUNCT
hassl-3515	363	6	2010	2010	NUM
hassl-3515	363	7	)	)	PUNCT
hassl-3515	363	8	.	.	PUNCT
hassl-3515	364	1	measuring	measure	VERB
hassl-3515	364	2	financial	financial	ADJ
hassl-3515	364	3	literacy	literacy	NOUN
hassl-3515	364	4	.	.	PUNCT
hassl-3515	365	1	journal	journal	NOUN
hassl-3515	365	2	of	of	ADP
hassl-3515	365	3	consumer	consumer	NOUN
hassl-3515	365	4	affairs	affair	NOUN
hassl-3515	365	5	,	,	PUNCT
hassl-3515	365	6	44(2	44(2	NOUN
hassl-3515	365	7	)	)	PUNCT
hassl-3515	365	8	,	,	PUNCT
hassl-3515	365	9	296–316	296–316	NUM
hassl-3515	365	10	.	.	PUNCT
hassl-3515	365	11	https://doi.org/10.1111/j.17456606.2010.01170.x	https://doi.org/10.1111/j.17456606.2010.01170.x	PROPN
hassl-3515	366	1	hye	hye	PROPN
hassl-3515	366	2	,	,	PUNCT
hassl-3515	366	3	q.	q.	PROPN
hassl-3515	366	4	m.	m.	PROPN
hassl-3515	366	5	a.	a.	PROPN
hassl-3515	366	6	(	(	PUNCT
hassl-3515	366	7	2022	2022	NUM
hassl-3515	366	8	)	)	PUNCT
hassl-3515	366	9	.	.	PUNCT
hassl-3515	367	1	revisiting	revisit	VERB
hassl-3515	367	2	the	the	DET
hassl-3515	367	3	linkage	linkage	NOUN
hassl-3515	367	4	between	between	ADP
hassl-3515	367	5	financial	financial	ADJ
hassl-3515	367	6	inclusion	inclusion	NOUN
hassl-3515	367	7	and	and	CCONJ
hassl-3515	367	8	economic	economic	ADJ
hassl-3515	367	9	growth	growth	NOUN
hassl-3515	367	10	:	:	PUNCT
hassl-3515	367	11	time	time	NOUN
hassl-3515	367	12	series	series	PROPN
hassl-3515	367	13	evidence	evidence	NOUN
hassl-3515	367	14	from	from	ADP
hassl-3515	367	15	vietnam	vietnam	PROPN
hassl-3515	367	16	.	.	PUNCT
hassl-3515	368	1	edelweiss	edelweiss	PROPN
hassl-3515	368	2	applied	apply	VERB
hassl-3515	368	3	science	science	NOUN
hassl-3515	368	4	and	and	CCONJ
hassl-3515	368	5	technology	technology	NOUN
hassl-3515	368	6	,	,	PUNCT
hassl-3515	368	7	6(1	6(1	NUM
hassl-3515	368	8	)	)	PUNCT
hassl-3515	368	9	,	,	PUNCT
hassl-3515	368	10	15–25	15–25	NUM
hassl-3515	368	11	.	.	PUNCT
hassl-3515	369	1	https://doi.org/10.55214/25768484.v6i1.302	https://doi.org/10.55214/25768484.v6i1.302	PROPN
hassl-3515	369	2	ismaulina	ismaulina	PROPN
hassl-3515	369	3	,	,	PUNCT
hassl-3515	369	4	i.	i.	PROPN
hassl-3515	369	5	,	,	PUNCT
hassl-3515	369	6	&	&	CCONJ
hassl-3515	369	7	haqiqi	haqiqi	NOUN
hassl-3515	369	8	,	,	PUNCT
hassl-3515	369	9	n.	n.	NOUN
hassl-3515	369	10	(	(	PUNCT
hassl-3515	369	11	2018	2018	NUM
hassl-3515	369	12	)	)	PUNCT
hassl-3515	369	13	.	.	PUNCT
hassl-3515	370	1	the	the	DET
hassl-3515	370	2	effect	effect	NOUN
hassl-3515	370	3	of	of	ADP
hassl-3515	370	4	the	the	DET
hassl-3515	370	5	third	third	ADJ
hassl-3515	370	6	-	-	PUNCT
hassl-3515	370	7	party	party	NOUN
hassl-3515	370	8	funds	fund	NOUN
hassl-3515	370	9	and	and	CCONJ
hassl-3515	370	10	financing	financing	NOUN
hassl-3515	370	11	on	on	ADP
hassl-3515	370	12	the	the	DET
hassl-3515	370	13	increase	increase	NOUN
hassl-3515	370	14	in	in	ADP
hassl-3515	370	15	the	the	DET
hassl-3515	370	16	fee	fee	NOUN
hassl-3515	370	17	-	-	PUNCT
hassl-3515	370	18	based	base	VERB
hassl-3515	370	19	income	income	NOUN
hassl-3515	370	20	in	in	ADP
hassl-3515	370	21	pt	pt	PROPN
hassl-3515	370	22	.	.	PROPN
hassl-3515	370	23	bank	bank	PROPN
hassl-3515	370	24	mandiri	mandiri	PROPN
hassl-3515	370	25	syariah	syariah	PROPN
hassl-3515	370	26	.	.	PUNCT
hassl-3515	371	1	jurnal	jurnal	ADJ
hassl-3515	371	2	ekonomi	ekonomi	PROPN
hassl-3515	371	3	syariah	syariah	PROPN
hassl-3515	371	4	,	,	PUNCT
hassl-3515	371	5	akuntansi	akuntansi	PROPN
hassl-3515	371	6	,	,	PUNCT
hassl-3515	371	7	&	&	CCONJ
hassl-3515	371	8	perbankan	perbankan	PROPN
hassl-3515	371	9	,	,	PUNCT
hassl-3515	371	10	2(1	2(1	NUM
hassl-3515	371	11	)	)	PUNCT
hassl-3515	371	12	,	,	PUNCT
hassl-3515	371	13	138–160	138–160	NUM
hassl-3515	371	14	.	.	PUNCT
hassl-3515	371	15	jaishu	jaishu	PROPN
hassl-3515	371	16	,	,	PUNCT
hassl-3515	371	17	a.	a.	NOUN
hassl-3515	371	18	(	(	PUNCT
hassl-3515	371	19	2018	2018	NUM
hassl-3515	371	20	)	)	PUNCT
hassl-3515	371	21	.	.	PUNCT
hassl-3515	372	1	a	a	DET
hassl-3515	372	2	study	study	NOUN
hassl-3515	372	3	on	on	ADP
hassl-3515	372	4	consumer	consumer	NOUN
hassl-3515	372	5	debt	debt	NOUN
hassl-3515	372	6	stress	stress	NOUN
hassl-3515	372	7	caused	cause	VERB
hassl-3515	372	8	by	by	ADP
hassl-3515	372	9	credit	credit	NOUN
hassl-3515	372	10	cards	card	NOUN
hassl-3515	372	11	.	.	PUNCT
hassl-3515	373	1	arabian	arabian	ADJ
hassl-3515	373	2	journal	journal	PROPN
hassl-3515	373	3	of	of	ADP
hassl-3515	373	4	business	business	NOUN
hassl-3515	373	5	and	and	CCONJ
hassl-3515	373	6	management	management	NOUN
hassl-3515	373	7	review	review	NOUN
hassl-3515	373	8	,	,	PUNCT
hassl-3515	373	9	8(1	8(1	NOUN
hassl-3515	373	10	)	)	PUNCT
hassl-3515	373	11	,	,	PUNCT
hassl-3515	373	12	1000336	1000336	NUM
hassl-3515	373	13	.	.	PUNCT
hassl-3515	374	1	lestari	lestari	PROPN
hassl-3515	374	2	,	,	PUNCT
hassl-3515	374	3	b.	b.	PROPN
hassl-3515	374	4	a.	a.	PROPN
hassl-3515	374	5	,	,	PUNCT
hassl-3515	374	6	suharjo	suharjo	PROPN
hassl-3515	374	7	,	,	PUNCT
hassl-3515	374	8	b.	b.	PROPN
hassl-3515	374	9	,	,	PUNCT
hassl-3515	374	10	&	&	CCONJ
hassl-3515	374	11	muflikhati	muflikhati	PROPN
hassl-3515	374	12	,	,	PUNCT
hassl-3515	374	13	i.	i.	PROPN
hassl-3515	374	14	(	(	PUNCT
hassl-3515	374	15	2017	2017	NUM
hassl-3515	374	16	)	)	PUNCT
hassl-3515	374	17	.	.	PUNCT
hassl-3515	375	1	interest	interest	NOUN
hassl-3515	375	2	in	in	ADP
hassl-3515	375	3	credit	credit	NOUN
hassl-3515	375	4	card	card	NOUN
hassl-3515	375	5	ownership	ownership	NOUN
hassl-3515	375	6	(	(	PUNCT
hassl-3515	375	7	case	case	NOUN
hassl-3515	375	8	study	study	NOUN
hassl-3515	375	9	in	in	ADP
hassl-3515	375	10	bogor	bogor	PROPN
hassl-3515	375	11	city	city	NOUN
hassl-3515	375	12	)	)	PUNCT
hassl-3515	375	13	.	.	PUNCT
hassl-3515	376	1	jurnal	jurnal	ADJ
hassl-3515	376	2	aplikasi	aplikasi	PROPN
hassl-3515	376	3	bisnis	bisnis	PROPN
hassl-3515	376	4	dan	dan	PROPN
hassl-3515	376	5	manajemen	manajemen	PROPN
hassl-3515	376	6	,	,	PUNCT
hassl-3515	376	7	3(1	3(1	NUM
hassl-3515	376	8	)	)	PUNCT
hassl-3515	376	9	,	,	PUNCT
hassl-3515	376	10	143	143	NUM
hassl-3515	376	11	-	-	SYM
hassl-3515	376	12	143	143	NUM
hassl-3515	376	13	.	.	PUNCT
hassl-3515	377	1	limerick	limerick	PROPN
hassl-3515	377	2	,	,	PUNCT
hassl-3515	377	3	l.	l.	PROPN
hassl-3515	377	4	,	,	PUNCT
hassl-3515	377	5	&	&	CCONJ
hassl-3515	377	6	peltier	peltier	PROPN
hassl-3515	377	7	,	,	PUNCT
hassl-3515	377	8	j.	j.	PROPN
hassl-3515	377	9	w.	w.	PROPN
hassl-3515	377	10	(	(	PUNCT
hassl-3515	377	11	2014	2014	NUM
hassl-3515	377	12	)	)	PUNCT
hassl-3515	377	13	.	.	PUNCT
hassl-3515	378	1	the	the	DET
hassl-3515	378	2	effects	effect	NOUN
hassl-3515	378	3	of	of	ADP
hassl-3515	378	4	self	self	NOUN
hassl-3515	378	5	-	-	PUNCT
hassl-3515	378	6	control	control	NOUN
hassl-3515	378	7	failures	failure	NOUN
hassl-3515	378	8	on	on	ADP
hassl-3515	378	9	risky	risky	ADJ
hassl-3515	378	10	credit	credit	NOUN
hassl-3515	378	11	card	card	NOUN
hassl-3515	378	12	usage	usage	NOUN
hassl-3515	378	13	.	.	PUNCT
hassl-3515	379	1	marketing	marketing	NOUN
hassl-3515	379	2	management	management	NOUN
hassl-3515	379	3	journal	journal	NOUN
hassl-3515	379	4	,	,	PUNCT
hassl-3515	379	5	24(2	24(2	NUM
hassl-3515	379	6	)	)	PUNCT
hassl-3515	379	7	,	,	PUNCT
hassl-3515	379	8	149–161	149–161	NUM
hassl-3515	379	9	.	.	PUNCT
hassl-3515	380	1	mansfield	mansfield	PROPN
hassl-3515	380	2	,	,	PUNCT
hassl-3515	380	3	p.	p.	NOUN
hassl-3515	380	4	m.	m.	NOUN
hassl-3515	380	5	,	,	PUNCT
hassl-3515	380	6	pinto	pinto	NOUN
hassl-3515	380	7	,	,	PUNCT
hassl-3515	380	8	m.	m.	PROPN
hassl-3515	380	9	b.	b.	PROPN
hassl-3515	380	10	,	,	PUNCT
hassl-3515	380	11	&	&	CCONJ
hassl-3515	380	12	parente	parente	PROPN
hassl-3515	380	13	,	,	PUNCT
hassl-3515	380	14	d.	d.	PROPN
hassl-3515	380	15	h.	h.	PROPN
hassl-3515	380	16	(	(	PUNCT
hassl-3515	380	17	2003	2003	NUM
hassl-3515	380	18	)	)	PUNCT
hassl-3515	380	19	.	.	PUNCT
hassl-3515	381	1	self	self	NOUN
hassl-3515	381	2	-	-	PUNCT
hassl-3515	381	3	control	control	NOUN
hassl-3515	381	4	and	and	CCONJ
hassl-3515	381	5	credit	credit	NOUN
hassl-3515	381	6	-	-	PUNCT
hassl-3515	381	7	card	card	NOUN
hassl-3515	381	8	use	use	NOUN
hassl-3515	381	9	among	among	ADP
hassl-3515	381	10	college	college	NOUN
hassl-3515	381	11	students	student	NOUN
hassl-3515	381	12	.	.	PUNCT
hassl-3515	382	1	psychological	psychological	ADJ
hassl-3515	382	2	reports	report	NOUN
hassl-3515	382	3	,	,	PUNCT
hassl-3515	382	4	92(3_suppl	92(3_suppl	NUM
hassl-3515	382	5	)	)	PUNCT
hassl-3515	382	6	,	,	PUNCT
hassl-3515	382	7	1067	1067	NUM
hassl-3515	382	8	-	-	SYM
hassl-3515	382	9	1078	1078	NUM
hassl-3515	382	10	.	.	PUNCT
hassl-3515	383	1	https://doi.org/10.2466/pr0.2003.92.3c.1067	https://doi.org/10.2466/pr0.2003.92.3c.1067	PROPN
hassl-3515	383	2	maslow	maslow	NOUN
hassl-3515	383	3	,	,	PUNCT
hassl-3515	383	4	a.	a.	PROPN
hassl-3515	383	5	h.	h.	PROPN
hassl-3515	383	6	(	(	PUNCT
hassl-3515	383	7	1943	1943	NUM
hassl-3515	383	8	)	)	PUNCT
hassl-3515	383	9	.	.	PUNCT
hassl-3515	384	1	a	a	DET
hassl-3515	384	2	theory	theory	NOUN
hassl-3515	384	3	of	of	ADP
hassl-3515	384	4	human	human	ADJ
hassl-3515	384	5	needs	need	NOUN
hassl-3515	384	6	.	.	PUNCT
hassl-3515	385	1	psychological	psychological	ADJ
hassl-3515	385	2	review	review	NOUN
hassl-3515	385	3	,	,	PUNCT
hassl-3515	385	4	50	50	NUM
hassl-3515	385	5	,	,	PUNCT
hassl-3515	385	6	370	370	NUM
hassl-3515	385	7	-	-	SYM
hassl-3515	385	8	396	396	NUM
hassl-3515	385	9	.	.	PUNCT
hassl-3515	386	1	https://doi.org/10.1037/h0054346	https://doi.org/10.1037/h0054346	NUM
hassl-3515	386	2	matos	mato	NOUN
hassl-3515	386	3	,	,	PUNCT
hassl-3515	386	4	c.	c.	PROPN
hassl-3515	386	5	a.	a.	PROPN
hassl-3515	386	6	d.	d.	PROPN
hassl-3515	386	7	,	,	PUNCT
hassl-3515	386	8	vieira	vieira	PROPN
hassl-3515	386	9	,	,	PUNCT
hassl-3515	386	10	v.	v.	ADV
hassl-3515	386	11	,	,	PUNCT
hassl-3515	386	12	bonfanti	bonfanti	NOUN
hassl-3515	386	13	,	,	PUNCT
hassl-3515	386	14	k.	k.	PROPN
hassl-3515	386	15	,	,	PUNCT
hassl-3515	386	16	&	&	CCONJ
hassl-3515	386	17	mette	mette	PROPN
hassl-3515	386	18	,	,	PUNCT
hassl-3515	386	19	f.	f.	PROPN
hassl-3515	386	20	m.	m.	PROPN
hassl-3515	386	21	b.	b.	PROPN
hassl-3515	386	22	(	(	PUNCT
hassl-3515	386	23	2019	2019	NUM
hassl-3515	386	24	)	)	PUNCT
hassl-3515	386	25	.	.	PUNCT
hassl-3515	387	1	antecedents	antecedent	NOUN
hassl-3515	387	2	of	of	ADP
hassl-3515	387	3	indebtedness	indebtedness	NOUN
hassl-3515	387	4	for	for	ADP
hassl-3515	387	5	low	low	ADJ
hassl-3515	387	6	-	-	PUNCT
hassl-3515	387	7	income	income	NOUN
hassl-3515	387	8	consumers	consumer	NOUN
hassl-3515	387	9	:	:	PUNCT
hassl-3515	387	10	the	the	DET
hassl-3515	387	11	mediating	mediate	VERB
hassl-3515	387	12	role	role	NOUN
hassl-3515	387	13	of	of	ADP
hassl-3515	387	14	materialism	materialism	NOUN
hassl-3515	387	15	.	.	PUNCT
hassl-3515	388	1	journal	journal	NOUN
hassl-3515	388	2	of	of	ADP
hassl-3515	388	3	consumer	consumer	NOUN
hassl-3515	388	4	marketing	marketing	NOUN
hassl-3515	388	5	,	,	PUNCT
hassl-3515	388	6	36(1	36(1	NUM
hassl-3515	388	7	)	)	PUNCT
hassl-3515	388	8	,	,	PUNCT
hassl-3515	388	9	92	92	NUM
hassl-3515	388	10	-	-	SYM
hassl-3515	388	11	101	101	NUM
hassl-3515	388	12	.	.	PUNCT
hassl-3515	389	1	https://doi.org/10.1108/jcm-09-20172352	https://doi.org/10.1108/jcm-09-20172352	X
hassl-3515	389	2	mishkin	mishkin	PROPN
hassl-3515	389	3	,	,	PUNCT
hassl-3515	389	4	f.	f.	PROPN
hassl-3515	389	5	s.	s.	PROPN
hassl-3515	389	6	,	,	PUNCT
hassl-3515	389	7	&	&	CCONJ
hassl-3515	389	8	eakins	eakins	PROPN
hassl-3515	389	9	,	,	PUNCT
hassl-3515	389	10	s.	s.	PROPN
hassl-3515	389	11	g.	g.	PROPN
hassl-3515	389	12	(	(	PUNCT
hassl-3515	389	13	2018	2018	NUM
hassl-3515	389	14	)	)	PUNCT
hassl-3515	389	15	.	.	PUNCT
hassl-3515	390	1	financial	financial	ADJ
hassl-3515	390	2	markets	market	NOUN
hassl-3515	390	3	and	and	CCONJ
hassl-3515	390	4	institutions	institution	NOUN
hassl-3515	390	5	(	(	PUNCT
hassl-3515	390	6	9th	9th	ADJ
hassl-3515	390	7	ed	ed	NOUN
hassl-3515	390	8	.	.	PUNCT
hassl-3515	390	9	)	)	PUNCT
hassl-3515	390	10	.	.	PUNCT
hassl-3515	391	1	harlow	harlow	PROPN
hassl-3515	391	2	:	:	PUNCT
hassl-3515	391	3	pearson	pearson	PROPN
hassl-3515	391	4	education	education	PROPN
hassl-3515	391	5	limited	limit	VERB
hassl-3515	391	6	.	.	PUNCT
hassl-3515	392	1	omar	omar	PROPN
hassl-3515	392	2	,	,	PUNCT
hassl-3515	392	3	n.	n.	PROPN
hassl-3515	392	4	a.	a.	PROPN
hassl-3515	392	5	,	,	PUNCT
hassl-3515	392	6	rahim	rahim	PROPN
hassl-3515	392	7	,	,	PUNCT
hassl-3515	392	8	r.	r.	PROPN
hassl-3515	392	9	a.	a.	PROPN
hassl-3515	392	10	,	,	PUNCT
hassl-3515	392	11	wel	wel	PROPN
hassl-3515	392	12	,	,	PUNCT
hassl-3515	392	13	c.	c.	PROPN
hassl-3515	392	14	a.	a.	PROPN
hassl-3515	392	15	c.	c.	PROPN
hassl-3515	392	16	,	,	PUNCT
hassl-3515	392	17	&	&	CCONJ
hassl-3515	392	18	alam	alam	PROPN
hassl-3515	392	19	,	,	PUNCT
hassl-3515	392	20	s.	s.	PROPN
hassl-3515	392	21	s.	s.	PROPN
hassl-3515	392	22	(	(	PUNCT
hassl-3515	392	23	2014	2014	NUM
hassl-3515	392	24	)	)	PUNCT
hassl-3515	392	25	.	.	PUNCT
hassl-3515	393	1	compulsive	compulsive	ADJ
hassl-3515	393	2	buying	buying	NOUN
hassl-3515	393	3	and	and	CCONJ
hassl-3515	393	4	credit	credit	NOUN
hassl-3515	393	5	card	card	NOUN
hassl-3515	393	6	misuse	misuse	NOUN
hassl-3515	393	7	among	among	ADP
hassl-3515	393	8	credit	credit	NOUN
hassl-3515	393	9	card	card	NOUN
hassl-3515	393	10	holders	holder	NOUN
hassl-3515	393	11	:	:	PUNCT
hassl-3515	393	12	the	the	DET
hassl-3515	393	13	roles	role	NOUN
hassl-3515	393	14	of	of	ADP
hassl-3515	393	15	self	self	NOUN
hassl-3515	393	16	-	-	PUNCT
hassl-3515	393	17	esteem	esteem	NOUN
hassl-3515	393	18	,	,	PUNCT
hassl-3515	393	19	materialism	materialism	NOUN
hassl-3515	393	20	,	,	PUNCT
hassl-3515	393	21	impulsive	impulsive	ADJ
hassl-3515	393	22	buying	buying	NOUN
hassl-3515	393	23	and	and	CCONJ
hassl-3515	393	24	budget	budget	NOUN
hassl-3515	393	25	constraint	constraint	NOUN
hassl-3515	393	26	.	.	PUNCT
hassl-3515	394	1	intangible	intangible	ADJ
hassl-3515	394	2	capital	capital	NOUN
hassl-3515	394	3	,	,	PUNCT
hassl-3515	394	4	10(1	10(1	NUM
hassl-3515	394	5	)	)	PUNCT
hassl-3515	394	6	,	,	PUNCT
hassl-3515	394	7	52	52	NUM
hassl-3515	394	8	-	-	SYM
hassl-3515	394	9	74	74	NUM
hassl-3515	394	10	.	.	PUNCT
hassl-3515	395	1	https://doi.org/10.3926/ic.446	https://doi.org/10.3926/ic.446	X
hassl-3515	396	1	perera	perera	PROPN
hassl-3515	396	2	,	,	PUNCT
hassl-3515	396	3	c.	c.	PROPN
hassl-3515	396	4	,	,	PUNCT
hassl-3515	396	5	dayanga	dayanga	PROPN
hassl-3515	396	6	,	,	PUNCT
hassl-3515	396	7	s.	s.	PROPN
hassl-3515	396	8	k.	k.	PROPN
hassl-3515	396	9	,	,	PUNCT
hassl-3515	396	10	&	&	CCONJ
hassl-3515	396	11	jayasuriya	jayasuriya	PROPN
hassl-3515	396	12	,	,	PUNCT
hassl-3515	396	13	n.	n.	PROPN
hassl-3515	396	14	(	(	PUNCT
hassl-3515	396	15	2016	2016	NUM
hassl-3515	396	16	)	)	PUNCT
hassl-3515	396	17	.	.	PUNCT
hassl-3515	397	1	factors	factor	NOUN
hassl-3515	397	2	affecting	affect	VERB
hassl-3515	397	3	credit	credit	NOUN
hassl-3515	397	4	card	card	NOUN
hassl-3515	397	5	debts	debt	NOUN
hassl-3515	397	6	:	:	PUNCT
hassl-3515	397	7	a	a	DET
hassl-3515	397	8	study	study	NOUN
hassl-3515	397	9	among	among	ADP
hassl-3515	397	10	executives	executive	NOUN
hassl-3515	397	11	in	in	ADP
hassl-3515	397	12	sri	sri	PROPN
hassl-3515	397	13	lanka	lanka	PROPN
hassl-3515	397	14	.	.	PUNCT
hassl-3515	398	1	international	international	ADJ
hassl-3515	398	2	journal	journal	PROPN
hassl-3515	398	3	of	of	ADP
hassl-3515	398	4	science	science	NOUN
hassl-3515	398	5	and	and	CCONJ
hassl-3515	398	6	research	research	NOUN
hassl-3515	398	7	,	,	PUNCT
hassl-3515	398	8	5(7	5(7	NUM
hassl-3515	398	9	)	)	PUNCT
hassl-3515	398	10	,	,	PUNCT
hassl-3515	398	11	1495	1495	NUM
hassl-3515	398	12	-	-	SYM
hassl-3515	398	13	1504	1504	NUM
hassl-3515	398	14	.	.	PUNCT
hassl-3515	399	1	https://doi.org/10.21275/v5i7.art2016446	https://doi.org/10.21275/v5i7.art2016446	PROPN
hassl-3515	399	2	pinto	pinto	NOUN
hassl-3515	399	3	,	,	PUNCT
hassl-3515	399	4	m.	m.	PROPN
hassl-3515	399	5	b.	b.	PROPN
hassl-3515	399	6	,	,	PUNCT
hassl-3515	399	7	mansfield	mansfield	PROPN
hassl-3515	399	8	,	,	PUNCT
hassl-3515	399	9	p.	p.	NOUN
hassl-3515	399	10	m.	m.	NOUN
hassl-3515	399	11	,	,	PUNCT
hassl-3515	399	12	&	&	CCONJ
hassl-3515	399	13	parente	parente	PROPN
hassl-3515	399	14	,	,	PUNCT
hassl-3515	399	15	d.	d.	PROPN
hassl-3515	399	16	h.	h.	PROPN
hassl-3515	399	17	(	(	PUNCT
hassl-3515	399	18	2004	2004	NUM
hassl-3515	399	19	)	)	PUNCT
hassl-3515	399	20	.	.	PUNCT
hassl-3515	400	1	relationship	relationship	NOUN
hassl-3515	400	2	of	of	ADP
hassl-3515	400	3	credit	credit	NOUN
hassl-3515	400	4	attitude	attitude	NOUN
hassl-3515	400	5	and	and	CCONJ
hassl-3515	400	6	debt	debt	NOUN
hassl-3515	400	7	to	to	ADP
hassl-3515	400	8	self	self	NOUN
hassl-3515	400	9	-	-	PUNCT
hassl-3515	400	10	esteem	esteem	NOUN
hassl-3515	400	11	and	and	CCONJ
hassl-3515	400	12	locus	locus	NOUN
hassl-3515	400	13	of	of	ADP
hassl-3515	400	14	control	control	NOUN
hassl-3515	400	15	in	in	ADP
hassl-3515	400	16	college	college	NOUN
hassl-3515	400	17	-	-	PUNCT
hassl-3515	400	18	age	age	NOUN
hassl-3515	400	19	consumers	consumer	NOUN
hassl-3515	400	20	.	.	PUNCT
hassl-3515	401	1	psychological	psychological	ADJ
hassl-3515	401	2	reports	report	NOUN
hassl-3515	401	3	,	,	PUNCT
hassl-3515	401	4	94(3_suppl	94(3_suppl	NUM
hassl-3515	401	5	)	)	PUNCT
hassl-3515	401	6	,	,	PUNCT
hassl-3515	401	7	1405	1405	NUM
hassl-3515	401	8	-	-	SYM
hassl-3515	401	9	1418	1418	NUM
hassl-3515	401	10	.	.	PUNCT
hassl-3515	402	1	https://doi.org/10.2466/pr0.94.3c.1405-1418	https://doi.org/10.2466/pr0.94.3c.1405-1418	PROPN
hassl-3515	402	2	ponpunthin	ponpunthin	NOUN
hassl-3515	402	3	,	,	PUNCT
hassl-3515	402	4	n.	n.	NOUN
hassl-3515	402	5	,	,	PUNCT
hassl-3515	402	6	&	&	CCONJ
hassl-3515	402	7	jantarakolica	jantarakolica	PROPN
hassl-3515	402	8	,	,	PUNCT
hassl-3515	402	9	t.	t.	PROPN
hassl-3515	402	10	(	(	PUNCT
hassl-3515	402	11	2017	2017	NUM
hassl-3515	402	12	)	)	PUNCT
hassl-3515	402	13	.	.	PUNCT
hassl-3515	403	1	do	do	AUX
hassl-3515	403	2	thai	thai	ADJ
hassl-3515	403	3	credit	credit	NOUN
hassl-3515	403	4	card	card	NOUN
hassl-3515	403	5	consumers	consumer	NOUN
hassl-3515	403	6	have	have	VERB
hassl-3515	403	7	self	self	NOUN
hassl-3515	403	8	-	-	PUNCT
hassl-3515	403	9	control	control	NOUN
hassl-3515	403	10	?	?	PUNCT
hassl-3515	404	1	thammasat	thammasat	NOUN
hassl-3515	404	2	review	review	NOUN
hassl-3515	404	3	of	of	ADP
hassl-3515	404	4	economic	economic	ADJ
hassl-3515	404	5	and	and	CCONJ
hassl-3515	404	6	social	social	ADJ
hassl-3515	404	7	policy	policy	NOUN
hassl-3515	404	8	,	,	PUNCT
hassl-3515	404	9	3(2	3(2	NUM
hassl-3515	404	10	)	)	PUNCT
hassl-3515	404	11	,	,	PUNCT
hassl-3515	404	12	52	52	NUM
hassl-3515	404	13	-	-	SYM
hassl-3515	404	14	96	96	NUM
hassl-3515	404	15	.	.	PUNCT
hassl-3515	405	1	rendall	rendall	PROPN
hassl-3515	405	2	,	,	PUNCT
hassl-3515	405	3	s.	s.	PROPN
hassl-3515	405	4	,	,	PUNCT
hassl-3515	405	5	brooks	brooks	PROPN
hassl-3515	405	6	,	,	PUNCT
hassl-3515	405	7	c.	c.	PROPN
hassl-3515	405	8	,	,	PUNCT
hassl-3515	405	9	&	&	CCONJ
hassl-3515	405	10	hillenbrand	hillenbrand	PROPN
hassl-3515	405	11	,	,	PUNCT
hassl-3515	405	12	c.	c.	PROPN
hassl-3515	405	13	(	(	PUNCT
hassl-3515	405	14	2021	2021	NUM
hassl-3515	405	15	)	)	PUNCT
hassl-3515	405	16	.	.	PUNCT
hassl-3515	406	1	the	the	DET
hassl-3515	406	2	impacts	impact	NOUN
hassl-3515	406	3	of	of	ADP
hassl-3515	406	4	emotions	emotion	NOUN
hassl-3515	406	5	and	and	CCONJ
hassl-3515	406	6	personality	personality	NOUN
hassl-3515	406	7	on	on	ADP
hassl-3515	406	8	borrowers	borrower	NOUN
hassl-3515	406	9	’	'	PUNCT
hassl-3515	406	10	abilities	ability	NOUN
hassl-3515	406	11	to	to	PART
hassl-3515	406	12	manage	manage	VERB
hassl-3515	406	13	their	their	PRON
hassl-3515	406	14	debts	debt	NOUN
hassl-3515	406	15	.	.	PUNCT
hassl-3515	407	1	international	international	ADJ
hassl-3515	407	2	review	review	NOUN
hassl-3515	407	3	of	of	ADP
hassl-3515	407	4	financial	financial	ADJ
hassl-3515	407	5	analysis	analysis	NOUN
hassl-3515	407	6	,	,	PUNCT
hassl-3515	407	7	74	74	NUM
hassl-3515	407	8	,	,	PUNCT
hassl-3515	407	9	101703	101703	NUM
hassl-3515	407	10	.	.	PUNCT
hassl-3515	408	1	https://doi.org/10.1016/j.irfa.2021.101703	https://doi.org/10.1016/j.irfa.2021.101703	ADJ
hassl-3515	408	2	robb	robb	PROPN
hassl-3515	408	3	,	,	PUNCT
hassl-3515	408	4	c.	c.	PROPN
hassl-3515	408	5	a.	a.	PROPN
hassl-3515	408	6	(	(	PUNCT
hassl-3515	408	7	2011	2011	NUM
hassl-3515	408	8	)	)	PUNCT
hassl-3515	408	9	.	.	PUNCT
hassl-3515	409	1	financial	financial	ADJ
hassl-3515	409	2	knowledge	knowledge	NOUN
hassl-3515	409	3	and	and	CCONJ
hassl-3515	409	4	credit	credit	NOUN
hassl-3515	409	5	card	card	NOUN
hassl-3515	409	6	behavior	behavior	NOUN
hassl-3515	409	7	of	of	ADP
hassl-3515	409	8	college	college	NOUN
hassl-3515	409	9	students	student	NOUN
hassl-3515	409	10	.	.	PUNCT
hassl-3515	410	1	journal	journal	PROPN
hassl-3515	410	2	of	of	ADP
hassl-3515	410	3	family	family	NOUN
hassl-3515	410	4	and	and	CCONJ
hassl-3515	410	5	economic	economic	ADJ
hassl-3515	410	6	issues	issue	NOUN
hassl-3515	410	7	,	,	PUNCT
hassl-3515	410	8	32(4	32(4	NUM
hassl-3515	410	9	)	)	PUNCT
hassl-3515	410	10	,	,	PUNCT
hassl-3515	410	11	690	690	NUM
hassl-3515	410	12	-	-	SYM
hassl-3515	410	13	698	698	NUM
hassl-3515	410	14	.	.	PUNCT
hassl-3515	411	1	https://doi.org/10.1007/s10834-011-9259-y	https://doi.org/10.1007/s10834-011-9259-y	PROPN
hassl-3515	411	2	rosenberg	rosenberg	PROPN
hassl-3515	411	3	,	,	PUNCT
hassl-3515	411	4	m.	m.	NOUN
hassl-3515	411	5	(	(	PUNCT
hassl-3515	411	6	1965	1965	NUM
hassl-3515	411	7	)	)	PUNCT
hassl-3515	411	8	.	.	PUNCT
hassl-3515	412	1	society	society	NOUN
hassl-3515	412	2	and	and	CCONJ
hassl-3515	412	3	the	the	DET
hassl-3515	412	4	adolescent	adolescent	ADJ
hassl-3515	412	5	self	self	NOUN
hassl-3515	412	6	-	-	PUNCT
hassl-3515	412	7	image	image	NOUN
hassl-3515	412	8	.	.	PUNCT
hassl-3515	413	1	princeton	princeton	PROPN
hassl-3515	413	2	,	,	PUNCT
hassl-3515	413	3	nj	nj	PROPN
hassl-3515	413	4	:	:	PUNCT
hassl-3515	413	5	princeton	princeton	PROPN
hassl-3515	413	6	university	university	PROPN
hassl-3515	413	7	press	press	NOUN
hassl-3515	413	8	.	.	PUNCT
hassl-3515	414	1	https://doi.org/10.30736/jpensi.v2i3.108	https://doi.org/10.30736/jpensi.v2i3.108	PROPN
hassl-3515	414	2	https://doi.org/10.14254/2071-8330.2021/14-4/7	https://doi.org/10.14254/2071-8330.2021/14-4/7	NOUN
hassl-3515	414	3	https://doi.org/10.1111/j.1745-6606.2010.01170.x	https://doi.org/10.1111/j.1745-6606.2010.01170.x	PROPN
hassl-3515	414	4	https://doi.org/10.1111/j.1745-6606.2010.01170.x	https://doi.org/10.1111/j.1745-6606.2010.01170.x	PROPN
hassl-3515	414	5	https://doi.org/10.55214/25768484.v6i1.302	https://doi.org/10.55214/25768484.v6i1.302	PROPN
hassl-3515	415	1	https://doi.org/10.2466/pr0.2003.92.3c.1067	https://doi.org/10.2466/pr0.2003.92.3c.1067	PROPN
hassl-3515	415	2	https://doi.org/10.1037/h0054346	https://doi.org/10.1037/h0054346	NUM
hassl-3515	415	3	https://doi.org/10.1108/jcm-09-2017-2352	https://doi.org/10.1108/jcm-09-2017-2352	NOUN
hassl-3515	415	4	https://doi.org/10.1108/jcm-09-2017-2352	https://doi.org/10.1108/jcm-09-2017-2352	PROPN
hassl-3515	416	1	https://doi.org/10.3926/ic.446	https://doi.org/10.3926/ic.446	X
hassl-3515	416	2	https://doi.org/10.21275/v5i7.art2016446	https://doi.org/10.21275/v5i7.art2016446	PROPN
hassl-3515	416	3	https://doi.org/10.2466/pr0.94.3c.1405-1418	https://doi.org/10.2466/pr0.94.3c.1405-1418	PROPN
hassl-3515	416	4	https://doi.org/10.1016/j.irfa.2021.101703	https://doi.org/10.1016/j.irfa.2021.101703	PROPN
hassl-3515	416	5	https://doi.org/10.1007/s10834-011-9259-y	https://doi.org/10.1007/s10834-011-9259-y	PROPN
hassl-3515	416	6	humanities	humanity	NOUN
hassl-3515	416	7	and	and	CCONJ
hassl-3515	416	8	social	social	ADJ
hassl-3515	416	9	sciences	science	NOUN
hassl-3515	416	10	letters	letter	NOUN
hassl-3515	416	11	,	,	PUNCT
hassl-3515	416	12	2023	2023	NUM
hassl-3515	416	13	,	,	PUNCT
hassl-3515	416	14	11(3	11(3	NUM
hassl-3515	416	15	):	):	PUNCT
hassl-3515	416	16	349	349	NUM
hassl-3515	416	17	-	-	SYM
hassl-3515	416	18	361	361	NUM
hassl-3515	416	19	361	361	NUM
hassl-3515	416	20	©	©	PROPN
hassl-3515	416	21	2023	2023	NUM
hassl-3515	416	22	conscientia	conscientia	PROPN
hassl-3515	416	23	beam	beam	PROPN
hassl-3515	416	24	.	.	PUNCT
hassl-3515	417	1	all	all	DET
hassl-3515	417	2	rights	right	NOUN
hassl-3515	417	3	reserved	reserve	VERB
hassl-3515	417	4	.	.	PUNCT
hassl-3515	418	1	sandy	sandy	PROPN
hassl-3515	418	2	,	,	PUNCT
hassl-3515	418	3	d.	d.	PROPN
hassl-3515	418	4	a.	a.	PROPN
hassl-3515	418	5	,	,	PUNCT
hassl-3515	418	6	&	&	CCONJ
hassl-3515	418	7	renanita	renanita	PROPN
hassl-3515	418	8	,	,	PUNCT
hassl-3515	418	9	t.	t.	PROPN
hassl-3515	418	10	(	(	PUNCT
hassl-3515	418	11	2018	2018	NUM
hassl-3515	418	12	)	)	PUNCT
hassl-3515	418	13	.	.	PUNCT
hassl-3515	419	1	the	the	DET
hassl-3515	419	2	relationships	relationship	NOUN
hassl-3515	419	3	between	between	ADP
hassl-3515	419	4	self	self	NOUN
hassl-3515	419	5	-	-	PUNCT
hassl-3515	419	6	control	control	NOUN
hassl-3515	419	7	and	and	CCONJ
hassl-3515	419	8	neuroticism	neuroticism	ADJ
hassl-3515	419	9	personality	personality	NOUN
hassl-3515	419	10	tendency	tendency	NOUN
hassl-3515	419	11	to	to	ADP
hassl-3515	419	12	unhealthy	unhealthy	ADJ
hassl-3515	419	13	credit	credit	NOUN
hassl-3515	419	14	card	card	NOUN
hassl-3515	419	15	usage	usage	NOUN
hassl-3515	419	16	of	of	ADP
hassl-3515	419	17	career	career	NOUN
hassl-3515	419	18	women	woman	NOUN
hassl-3515	419	19	in	in	ADP
hassl-3515	419	20	surabaya	surabaya	PROPN
hassl-3515	419	21	.	.	PUNCT
hassl-3515	420	1	jurnal	jurnal	ADJ
hassl-3515	420	2	entrepreneur	entrepreneur	NOUN
hassl-3515	420	3	dan	dan	PROPN
hassl-3515	420	4	entrepreneurship	entrepreneurship	PROPN
hassl-3515	420	5	,	,	PUNCT
hassl-3515	420	6	7(1	7(1	NUM
hassl-3515	420	7	)	)	PUNCT
hassl-3515	420	8	,	,	PUNCT
hassl-3515	420	9	11	11	NUM
hassl-3515	420	10	-	-	SYM
hassl-3515	420	11	18	18	NUM
hassl-3515	420	12	.	.	PUNCT
hassl-3515	421	1	https://doi.org/10.37715/jee.v7i1.631	https://doi.org/10.37715/jee.v7i1.631	PROPN
hassl-3515	421	2	simanjuntak	simanjuntak	NOUN
hassl-3515	421	3	,	,	PUNCT
hassl-3515	421	4	m.	m.	NOUN
hassl-3515	421	5	,	,	PUNCT
hassl-3515	421	6	&	&	CCONJ
hassl-3515	421	7	rosifa	rosifa	PROPN
hassl-3515	421	8	,	,	PUNCT
hassl-3515	421	9	a.	a.	PROPN
hassl-3515	421	10	s.	s.	PROPN
hassl-3515	421	11	(	(	PUNCT
hassl-3515	421	12	2016	2016	NUM
hassl-3515	421	13	)	)	PUNCT
hassl-3515	421	14	.	.	PUNCT
hassl-3515	422	1	self	self	NOUN
hassl-3515	422	2	-	-	PUNCT
hassl-3515	422	3	esteem	esteem	NOUN
hassl-3515	422	4	,	,	PUNCT
hassl-3515	422	5	money	money	NOUN
hassl-3515	422	6	attitude	attitude	NOUN
hassl-3515	422	7	,	,	PUNCT
hassl-3515	422	8	credit	credit	NOUN
hassl-3515	422	9	card	card	NOUN
hassl-3515	422	10	usage	usage	NOUN
hassl-3515	422	11	,	,	PUNCT
hassl-3515	422	12	and	and	CCONJ
hassl-3515	422	13	compulsive	compulsive	ADJ
hassl-3515	422	14	buying	buying	NOUN
hassl-3515	422	15	behaviour	behaviour	NOUN
hassl-3515	422	16	.	.	PUNCT
hassl-3515	423	1	economic	economic	ADJ
hassl-3515	423	2	journal	journal	NOUN
hassl-3515	423	3	of	of	ADP
hassl-3515	423	4	emerging	emerge	VERB
hassl-3515	423	5	markets	market	NOUN
hassl-3515	423	6	,	,	PUNCT
hassl-3515	423	7	8(2	8(2	NUM
hassl-3515	423	8	)	)	PUNCT
hassl-3515	423	9	,	,	PUNCT
hassl-3515	423	10	128	128	NUM
hassl-3515	423	11	-	-	SYM
hassl-3515	423	12	135	135	NUM
hassl-3515	423	13	.	.	PUNCT
hassl-3515	424	1	https://doi.org/10.20885/ejem.vol8.iss2.art5	https://doi.org/10.20885/ejem.vol8.iss2.art5	PROPN
hassl-3515	424	2	soll	soll	PROPN
hassl-3515	424	3	,	,	PUNCT
hassl-3515	424	4	j.	j.	PROPN
hassl-3515	424	5	b.	b.	PROPN
hassl-3515	424	6	,	,	PUNCT
hassl-3515	424	7	keeney	keeney	PROPN
hassl-3515	424	8	,	,	PUNCT
hassl-3515	424	9	r.	r.	PROPN
hassl-3515	424	10	l.	l.	PROPN
hassl-3515	424	11	,	,	PUNCT
hassl-3515	424	12	&	&	CCONJ
hassl-3515	424	13	larrick	larrick	PROPN
hassl-3515	424	14	,	,	PUNCT
hassl-3515	424	15	r.	r.	PROPN
hassl-3515	424	16	p.	p.	PROPN
hassl-3515	424	17	(	(	PUNCT
hassl-3515	424	18	2013	2013	NUM
hassl-3515	424	19	)	)	PUNCT
hassl-3515	424	20	.	.	PUNCT
hassl-3515	425	1	consumer	consumer	NOUN
hassl-3515	425	2	misunderstanding	misunderstanding	NOUN
hassl-3515	425	3	of	of	ADP
hassl-3515	425	4	credit	credit	NOUN
hassl-3515	425	5	card	card	NOUN
hassl-3515	425	6	use	use	NOUN
hassl-3515	425	7	,	,	PUNCT
hassl-3515	425	8	payments	payment	NOUN
hassl-3515	425	9	,	,	PUNCT
hassl-3515	425	10	and	and	CCONJ
hassl-3515	425	11	debt	debt	NOUN
hassl-3515	425	12	:	:	PUNCT
hassl-3515	425	13	causes	cause	NOUN
hassl-3515	425	14	and	and	CCONJ
hassl-3515	425	15	solutions	solution	NOUN
hassl-3515	425	16	.	.	PUNCT
hassl-3515	426	1	journal	journal	NOUN
hassl-3515	426	2	of	of	ADP
hassl-3515	426	3	public	public	ADJ
hassl-3515	426	4	policy	policy	NOUN
hassl-3515	426	5	&	&	CCONJ
hassl-3515	426	6	marketing	marketing	NOUN
hassl-3515	426	7	,	,	PUNCT
hassl-3515	426	8	32(1	32(1	NUM
hassl-3515	426	9	)	)	PUNCT
hassl-3515	426	10	,	,	PUNCT
hassl-3515	426	11	66	66	NUM
hassl-3515	426	12	-	-	SYM
hassl-3515	426	13	81	81	NUM
hassl-3515	426	14	.	.	PUNCT
hassl-3515	427	1	https://doi.org/10.1509/jppm.11.061	https://doi.org/10.1509/jppm.11.061	PROPN
hassl-3515	427	2	sumarto	sumarto	PROPN
hassl-3515	427	3	,	,	PUNCT
hassl-3515	427	4	s.	s.	PROPN
hassl-3515	427	5	,	,	PUNCT
hassl-3515	427	6	subroto	subroto	NOUN
hassl-3515	427	7	,	,	PUNCT
hassl-3515	427	8	a.	a.	NOUN
hassl-3515	427	9	,	,	PUNCT
hassl-3515	427	10	&	&	CCONJ
hassl-3515	427	11	arianto	arianto	ADP
hassl-3515	427	12	,	,	PUNCT
hassl-3515	427	13	a.	a.	NOUN
hassl-3515	427	14	(	(	PUNCT
hassl-3515	427	15	2011	2011	NUM
hassl-3515	427	16	)	)	PUNCT
hassl-3515	427	17	.	.	PUNCT
hassl-3515	428	1	credit	credit	NOUN
hassl-3515	428	2	card	card	NOUN
hassl-3515	428	3	use	use	NOUN
hassl-3515	428	4	and	and	CCONJ
hassl-3515	428	5	compulsive	compulsive	ADJ
hassl-3515	428	6	shopping	shopping	NOUN
hassl-3515	428	7	behavior	behavior	NOUN
hassl-3515	428	8	:	:	PUNCT
hassl-3515	428	9	the	the	DET
hassl-3515	428	10	impact	impact	NOUN
hassl-3515	428	11	on	on	ADP
hassl-3515	428	12	default	default	NOUN
hassl-3515	428	13	risk	risk	NOUN
hassl-3515	428	14	.	.	PUNCT
hassl-3515	429	1	jurnal	jurnal	ADJ
hassl-3515	429	2	manajemen	manajeman	NOUN
hassl-3515	429	3	pemasaran	pemasaran	NOUN
hassl-3515	429	4	,	,	PUNCT
hassl-3515	429	5	6(1	6(1	NUM
hassl-3515	429	6	)	)	PUNCT
hassl-3515	429	7	,	,	PUNCT
hassl-3515	429	8	1–17	1–17	PROPN
hassl-3515	429	9	.	.	PUNCT
hassl-3515	430	1	https://doi.org/10.9744/pemasaran.6.1.1-7	https://doi.org/10.9744/pemasaran.6.1.1-7	VERB
hassl-3515	430	2	tangney	tangney	NOUN
hassl-3515	430	3	,	,	PUNCT
hassl-3515	430	4	j.	j.	PROPN
hassl-3515	430	5	p.	p.	PROPN
hassl-3515	430	6	,	,	PUNCT
hassl-3515	430	7	baumeister	baumeister	ADV
hassl-3515	430	8	,	,	PUNCT
hassl-3515	430	9	r.	r.	PROPN
hassl-3515	430	10	f.	f.	PROPN
hassl-3515	430	11	,	,	PUNCT
hassl-3515	430	12	&	&	CCONJ
hassl-3515	430	13	boone	boone	PROPN
hassl-3515	430	14	,	,	PUNCT
hassl-3515	430	15	a.	a.	PROPN
hassl-3515	430	16	l.	l.	PROPN
hassl-3515	430	17	(	(	PUNCT
hassl-3515	430	18	2004	2004	NUM
hassl-3515	430	19	)	)	PUNCT
hassl-3515	430	20	.	.	PUNCT
hassl-3515	431	1	high	high	ADJ
hassl-3515	431	2	self‐control	self‐control	NOUN
hassl-3515	431	3	predicts	predict	VERB
hassl-3515	431	4	good	good	ADJ
hassl-3515	431	5	adjustment	adjustment	NOUN
hassl-3515	431	6	,	,	PUNCT
hassl-3515	431	7	less	less	ADJ
hassl-3515	431	8	pathology	pathology	NOUN
hassl-3515	431	9	,	,	PUNCT
hassl-3515	431	10	better	well	ADJ
hassl-3515	431	11	grades	grade	NOUN
hassl-3515	431	12	,	,	PUNCT
hassl-3515	431	13	and	and	CCONJ
hassl-3515	431	14	interpersonal	interpersonal	ADJ
hassl-3515	431	15	success	success	NOUN
hassl-3515	431	16	.	.	PUNCT
hassl-3515	432	1	journal	journal	NOUN
hassl-3515	432	2	of	of	ADP
hassl-3515	432	3	personality	personality	NOUN
hassl-3515	432	4	,	,	PUNCT
hassl-3515	432	5	72(2	72(2	NOUN
hassl-3515	432	6	)	)	PUNCT
hassl-3515	432	7	,	,	PUNCT
hassl-3515	432	8	271–324	271–324	NUM
hassl-3515	432	9	.	.	PUNCT
hassl-3515	433	1	https://doi.org/10.1111/j.00223506.2004.00263.x	https://doi.org/10.1111/j.00223506.2004.00263.x	X
hassl-3515	434	1	trinh	trinh	PROPN
hassl-3515	434	2	,	,	PUNCT
hassl-3515	434	3	h.	h.	PROPN
hassl-3515	434	4	n.	n.	PROPN
hassl-3515	434	5	,	,	PUNCT
hassl-3515	434	6	tran	tran	PROPN
hassl-3515	434	7	,	,	PUNCT
hassl-3515	434	8	h.	h.	PROPN
hassl-3515	434	9	h.	h.	PROPN
hassl-3515	434	10	,	,	PUNCT
hassl-3515	434	11	&	&	CCONJ
hassl-3515	434	12	vuong	vuong	PROPN
hassl-3515	434	13	,	,	PUNCT
hassl-3515	434	14	d.	d.	PROPN
hassl-3515	434	15	h.	h.	PROPN
hassl-3515	434	16	q.	q.	PROPN
hassl-3515	434	17	(	(	PUNCT
hassl-3515	434	18	2020	2020	NUM
hassl-3515	434	19	)	)	PUNCT
hassl-3515	434	20	.	.	PUNCT
hassl-3515	435	1	determinants	determinant	NOUN
hassl-3515	435	2	of	of	ADP
hassl-3515	435	3	consumers	consumer	NOUN
hassl-3515	435	4	’	'	PUNCT
hassl-3515	435	5	intention	intention	NOUN
hassl-3515	435	6	to	to	PART
hassl-3515	435	7	use	use	VERB
hassl-3515	435	8	credit	credit	NOUN
hassl-3515	435	9	card	card	NOUN
hassl-3515	435	10	:	:	PUNCT
hassl-3515	435	11	a	a	DET
hassl-3515	435	12	perspective	perspective	NOUN
hassl-3515	435	13	of	of	ADP
hassl-3515	435	14	multifaceted	multifaceted	ADJ
hassl-3515	435	15	perceived	perceive	VERB
hassl-3515	435	16	risk	risk	NOUN
hassl-3515	435	17	.	.	PUNCT
hassl-3515	436	1	asian	asian	ADJ
hassl-3515	436	2	journal	journal	PROPN
hassl-3515	436	3	of	of	ADP
hassl-3515	436	4	economics	economic	NOUN
hassl-3515	436	5	and	and	CCONJ
hassl-3515	436	6	banking	banking	NOUN
hassl-3515	436	7	,	,	PUNCT
hassl-3515	436	8	4(3	4(3	NUM
hassl-3515	436	9	)	)	PUNCT
hassl-3515	436	10	,	,	PUNCT
hassl-3515	436	11	105	105	NUM
hassl-3515	436	12	-	-	SYM
hassl-3515	436	13	120	120	NUM
hassl-3515	436	14	.	.	PUNCT
hassl-3515	437	1	https://doi.org/10.1108/ajeb-062020-0018	https://doi.org/10.1108/ajeb-062020-0018	NOUN
hassl-3515	438	1	uddin	uddin	ADV
hassl-3515	438	2	,	,	PUNCT
hassl-3515	438	3	m.	m.	NOUN
hassl-3515	438	4	a.	a.	NOUN
hassl-3515	438	5	(	(	PUNCT
hassl-3515	438	6	2021	2021	NUM
hassl-3515	438	7	)	)	PUNCT
hassl-3515	438	8	.	.	PUNCT
hassl-3515	439	1	financial	financial	ADJ
hassl-3515	439	2	literacy	literacy	NOUN
hassl-3515	439	3	and	and	CCONJ
hassl-3515	439	4	credit	credit	NOUN
hassl-3515	439	5	card	card	NOUN
hassl-3515	439	6	usage	usage	NOUN
hassl-3515	439	7	in	in	ADP
hassl-3515	439	8	oman	oman	PROPN
hassl-3515	439	9	.	.	PUNCT
hassl-3515	440	1	allana	allana	PROPN
hassl-3515	440	2	management	management	PROPN
hassl-3515	440	3	journal	journal	PROPN
hassl-3515	440	4	of	of	ADP
hassl-3515	440	5	research	research	NOUN
hassl-3515	440	6	,	,	PUNCT
hassl-3515	440	7	11(2	11(2	NOUN
hassl-3515	440	8	)	)	PUNCT
hassl-3515	440	9	,	,	PUNCT
hassl-3515	440	10	46–52	46–52	NUM
hassl-3515	440	11	.	.	PUNCT
hassl-3515	441	1	wang	wang	PROPN
hassl-3515	441	2	,	,	PUNCT
hassl-3515	441	3	l.	l.	PROPN
hassl-3515	441	4	,	,	PUNCT
hassl-3515	441	5	lu	lu	PROPN
hassl-3515	441	6	,	,	PUNCT
hassl-3515	441	7	w.	w.	PROPN
hassl-3515	441	8	,	,	PUNCT
hassl-3515	441	9	&	&	CCONJ
hassl-3515	441	10	malhotra	malhotra	PROPN
hassl-3515	441	11	,	,	PUNCT
hassl-3515	441	12	n.	n.	PROPN
hassl-3515	441	13	k.	k.	PROPN
hassl-3515	441	14	(	(	PUNCT
hassl-3515	441	15	2011	2011	NUM
hassl-3515	441	16	)	)	PUNCT
hassl-3515	441	17	.	.	PUNCT
hassl-3515	442	1	demographics	demographic	NOUN
hassl-3515	442	2	,	,	PUNCT
hassl-3515	442	3	attitude	attitude	NOUN
hassl-3515	442	4	,	,	PUNCT
hassl-3515	442	5	personality	personality	NOUN
hassl-3515	442	6	and	and	CCONJ
hassl-3515	442	7	credit	credit	NOUN
hassl-3515	442	8	card	card	NOUN
hassl-3515	442	9	features	feature	NOUN
hassl-3515	442	10	correlate	correlate	VERB
hassl-3515	442	11	with	with	ADP
hassl-3515	442	12	credit	credit	NOUN
hassl-3515	442	13	card	card	NOUN
hassl-3515	442	14	debt	debt	NOUN
hassl-3515	442	15	:	:	PUNCT
hassl-3515	442	16	a	a	DET
hassl-3515	442	17	view	view	NOUN
hassl-3515	442	18	from	from	ADP
hassl-3515	442	19	china	china	PROPN
hassl-3515	442	20	.	.	PUNCT
hassl-3515	443	1	journal	journal	PROPN
hassl-3515	443	2	of	of	ADP
hassl-3515	443	3	economic	economic	ADJ
hassl-3515	443	4	psychology	psychology	NOUN
hassl-3515	443	5	,	,	PUNCT
hassl-3515	443	6	32(1	32(1	NUM
hassl-3515	443	7	)	)	PUNCT
hassl-3515	443	8	,	,	PUNCT
hassl-3515	443	9	179	179	NUM
hassl-3515	443	10	-	-	SYM
hassl-3515	443	11	193	193	NUM
hassl-3515	443	12	.	.	PUNCT
hassl-3515	444	1	https://doi.org/10.1016/j.joep.2010.11.006	https://doi.org/10.1016/j.joep.2010.11.006	NUM
hassl-3515	444	2	xu	xu	PROPN
hassl-3515	444	3	,	,	PUNCT
hassl-3515	444	4	c.	c.	PROPN
hassl-3515	444	5	,	,	PUNCT
hassl-3515	444	6	unger	unger	PROPN
hassl-3515	444	7	,	,	PUNCT
hassl-3515	444	8	a.	a.	NOUN
hassl-3515	444	9	,	,	PUNCT
hassl-3515	444	10	bi	bi	PROPN
hassl-3515	444	11	,	,	PUNCT
hassl-3515	444	12	c.	c.	PROPN
hassl-3515	444	13	,	,	PUNCT
hassl-3515	444	14	papastamatelou	papastamatelou	PROPN
hassl-3515	444	15	,	,	PUNCT
hassl-3515	444	16	j.	j.	PROPN
hassl-3515	444	17	,	,	PUNCT
hassl-3515	444	18	&	&	CCONJ
hassl-3515	444	19	raab	raab	PROPN
hassl-3515	444	20	,	,	PUNCT
hassl-3515	444	21	g.	g.	PROPN
hassl-3515	444	22	(	(	PUNCT
hassl-3515	444	23	2022	2022	NUM
hassl-3515	444	24	)	)	PUNCT
hassl-3515	444	25	.	.	PUNCT
hassl-3515	445	1	the	the	DET
hassl-3515	445	2	influence	influence	NOUN
hassl-3515	445	3	of	of	ADP
hassl-3515	445	4	internet	internet	NOUN
hassl-3515	445	5	shopping	shopping	NOUN
hassl-3515	445	6	and	and	CCONJ
hassl-3515	445	7	use	use	NOUN
hassl-3515	445	8	of	of	ADP
hassl-3515	445	9	credit	credit	NOUN
hassl-3515	445	10	cards	card	NOUN
hassl-3515	445	11	on	on	ADP
hassl-3515	445	12	gender	gender	NOUN
hassl-3515	445	13	differences	difference	NOUN
hassl-3515	445	14	in	in	ADP
hassl-3515	445	15	compulsive	compulsive	ADJ
hassl-3515	445	16	buying	buying	NOUN
hassl-3515	445	17	.	.	PUNCT
hassl-3515	446	1	journal	journal	NOUN
hassl-3515	446	2	of	of	ADP
hassl-3515	446	3	internet	internet	NOUN
hassl-3515	446	4	and	and	CCONJ
hassl-3515	446	5	digital	digital	ADJ
hassl-3515	446	6	economics	economic	NOUN
hassl-3515	446	7	,	,	PUNCT
hassl-3515	446	8	2(1	2(1	NUM
hassl-3515	446	9	)	)	PUNCT
hassl-3515	446	10	,	,	PUNCT
hassl-3515	446	11	27	27	NUM
hassl-3515	446	12	-	-	SYM
hassl-3515	446	13	45	45	NUM
hassl-3515	446	14	.	.	PUNCT
hassl-3515	447	1	https://doi.org/10.1108/jide-11-2021-0017	https://doi.org/10.1108/jide-11-2021-0017	ADJ
hassl-3515	447	2	views	view	NOUN
hassl-3515	447	3	and	and	CCONJ
hassl-3515	447	4	opinions	opinion	NOUN
hassl-3515	447	5	expressed	express	VERB
hassl-3515	447	6	in	in	ADP
hassl-3515	447	7	this	this	DET
hassl-3515	447	8	article	article	NOUN
hassl-3515	447	9	are	be	AUX
hassl-3515	447	10	the	the	DET
hassl-3515	447	11	views	view	NOUN
hassl-3515	447	12	and	and	CCONJ
hassl-3515	447	13	opinions	opinion	NOUN
hassl-3515	447	14	of	of	ADP
hassl-3515	447	15	the	the	DET
hassl-3515	447	16	author(s	author(s	NOUN
hassl-3515	447	17	)	)	PUNCT
hassl-3515	447	18	,	,	PUNCT
hassl-3515	447	19	humanities	humanity	NOUN
hassl-3515	447	20	and	and	CCONJ
hassl-3515	447	21	social	social	ADJ
hassl-3515	447	22	sciences	science	NOUN
hassl-3515	447	23	letters	letter	NOUN
hassl-3515	447	24	shall	shall	AUX
hassl-3515	447	25	not	not	PART
hassl-3515	447	26	be	be	AUX
hassl-3515	447	27	responsible	responsible	ADJ
hassl-3515	447	28	or	or	CCONJ
hassl-3515	447	29	answerable	answerable	ADJ
hassl-3515	447	30	for	for	ADP
hassl-3515	447	31	any	any	DET
hassl-3515	447	32	loss	loss	NOUN
hassl-3515	447	33	,	,	PUNCT
hassl-3515	447	34	damage	damage	NOUN
hassl-3515	447	35	or	or	CCONJ
hassl-3515	447	36	liability	liability	NOUN
hassl-3515	447	37	,	,	PUNCT
hassl-3515	447	38	etc	etc	X
hassl-3515	447	39	.	.	X
hassl-3515	447	40	caused	cause	VERB
hassl-3515	447	41	in	in	ADP
hassl-3515	447	42	relation	relation	NOUN
hassl-3515	447	43	to	to	PART
hassl-3515	447	44	/	/	PUNCT
hassl-3515	447	45	arising	arise	VERB
hassl-3515	447	46	out	out	ADP
hassl-3515	447	47	of	of	ADP
hassl-3515	447	48	the	the	DET
hassl-3515	447	49	use	use	NOUN
hassl-3515	447	50	of	of	ADP
hassl-3515	447	51	the	the	DET
hassl-3515	447	52	content	content	NOUN
hassl-3515	447	53	.	.	PUNCT
hassl-3515	448	1	https://doi.org/10.37715/jee.v7i1.631	https://doi.org/10.37715/jee.v7i1.631	PROPN
hassl-3515	448	2	https://doi.org/10.20885/ejem.vol8.iss2.art5	https://doi.org/10.20885/ejem.vol8.iss2.art5	NOUN
hassl-3515	448	3	https://doi.org/10.1509/jppm.11.061	https://doi.org/10.1509/jppm.11.061	PROPN
hassl-3515	448	4	https://doi.org/10.9744/pemasaran.6.1.1-7	https://doi.org/10.9744/pemasaran.6.1.1-7	AUX
hassl-3515	448	5	https://doi.org/10.1111/j.0022-3506.2004.00263.x	https://doi.org/10.1111/j.0022-3506.2004.00263.x	NOUN
hassl-3515	448	6	https://doi.org/10.1111/j.0022-3506.2004.00263.x	https://doi.org/10.1111/j.0022-3506.2004.00263.x	NOUN
hassl-3515	448	7	https://doi.org/10.1108/ajeb-06-2020-0018	https://doi.org/10.1108/ajeb-06-2020-0018	NOUN
hassl-3515	448	8	https://doi.org/10.1108/ajeb-06-2020-0018	https://doi.org/10.1108/ajeb-06-2020-0018	VERB
hassl-3515	448	9	https://doi.org/10.1016/j.joep.2010.11.006	https://doi.org/10.1016/j.joep.2010.11.006	ADJ
hassl-3515	448	10	https://doi.org/10.1108/jide-11-2021-0017	https://doi.org/10.1108/jide-11-2021-0017	ADV