id	sid	tid	token	lemma	pos
hassl-4494	1	1	1287	1287	NUM
hassl-4494	1	2	©	©	PROPN
hassl-4494	1	3	2025	2025	NUM
hassl-4494	1	4	conscientia	conscientia	PROPN
hassl-4494	1	5	beam	beam	PROPN
hassl-4494	1	6	.	.	PUNCT
hassl-4494	2	1	all	all	DET
hassl-4494	2	2	rights	right	NOUN
hassl-4494	2	3	reserved	reserve	VERB
hassl-4494	2	4	.	.	PUNCT
hassl-4494	3	1	empowering	empower	VERB
hassl-4494	3	2	small	small	ADJ
hassl-4494	3	3	and	and	CCONJ
hassl-4494	3	4	medium	medium	ADJ
hassl-4494	3	5	enterprises	enterprise	NOUN
hassl-4494	3	6	:	:	PUNCT
hassl-4494	3	7	a	a	DET
hassl-4494	3	8	model	model	NOUN
hassl-4494	3	9	for	for	ADP
hassl-4494	3	10	digital	digital	ADJ
hassl-4494	3	11	literacy	literacy	NOUN
hassl-4494	3	12	and	and	CCONJ
hassl-4494	3	13	credit	credit	NOUN
hassl-4494	3	14	utilization	utilization	NOUN
hassl-4494	3	15	dicky	dicky	PROPN
hassl-4494	3	16	iranto1	iranto1	PROPN
hassl-4494	3	17	+	+	PROPN
hassl-4494	3	18	herman	herman	PROPN
hassl-4494	3	19	herman2	herman2	PROPN
hassl-4494	3	20	gatot	gatot	PROPN
hassl-4494	3	21	nazir	nazir	PROPN
hassl-4494	3	22	ahmad3	ahmad3	PROPN
hassl-4494	4	1	suparno	suparno	ADJ
hassl-4494	4	2	suparno4	suparno4	PROPN
hassl-4494	5	1	bagus	bagus	PROPN
hassl-4494	5	2	s	s	PART
hassl-4494	5	3	narmaditya5	narmaditya5	NOUN
hassl-4494	5	4	1,2,3	1,2,3	NUM
hassl-4494	5	5	,	,	PUNCT
hassl-4494	5	6	4,5universitas	4,5universitas	NUM
hassl-4494	5	7	negeri	negeri	PROPN
hassl-4494	5	8	jakarta	jakarta	PROPN
hassl-4494	5	9	,	,	PUNCT
hassl-4494	5	10	indonesia	indonesia	PROPN
hassl-4494	5	11	.	.	PUNCT
hassl-4494	6	1	5universitas	5universitas	NUM
hassl-4494	6	2	negeri	negeri	PROPN
hassl-4494	6	3	malang	malang	PROPN
hassl-4494	6	4	,	,	PUNCT
hassl-4494	6	5	indonesia	indonesia	PROPN
hassl-4494	6	6	.	.	PUNCT
hassl-4494	7	1	1email	1email	NUM
hassl-4494	7	2	:	:	PUNCT
hassl-4494	7	3	dicky@unj.ac.id	dicky@unj.ac.id	NOUN
hassl-4494	7	4	2email	2email	NUM
hassl-4494	7	5	:	:	PUNCT
hassl-4494	7	6	suherman@unj.ac.id	suherman@unj.ac.id	NOUN
hassl-4494	7	7	3email	3email	NUM
hassl-4494	7	8	:	:	PUNCT
hassl-4494	7	9	gnahmad@unj.ac.id	gnahmad@unj.ac.id	PROPN
hassl-4494	7	10	4email	4email	NUM
hassl-4494	7	11	:	:	PUNCT
hassl-4494	7	12	suparno@feunj.ac.id	suparno@feunj.ac.id	ADJ
hassl-4494	7	13	5email	5email	PROPN
hassl-4494	7	14	:	:	PUNCT
hassl-4494	7	15	bagus.shandy.fe@um.ac.id	bagus.shandy.fe@um.ac.id	PROPN
hassl-4494	7	16	(	(	PUNCT
hassl-4494	7	17	+	+	NUM
hassl-4494	7	18	corresponding	correspond	VERB
hassl-4494	7	19	author	author	NOUN
hassl-4494	7	20	)	)	PUNCT
hassl-4494	7	21	abstract	abstract	ADJ
hassl-4494	7	22	article	article	NOUN
hassl-4494	7	23	history	history	NOUN
hassl-4494	7	24	received	receive	VERB
hassl-4494	7	25	:	:	PUNCT
hassl-4494	7	26	24	24	NUM
hassl-4494	7	27	september	september	PROPN
hassl-4494	7	28	2024	2024	NUM
hassl-4494	7	29	revised	revise	VERB
hassl-4494	7	30	:	:	PUNCT
hassl-4494	7	31	2	2	NUM
hassl-4494	7	32	september	september	PROPN
hassl-4494	7	33	2025	2025	NUM
hassl-4494	7	34	accepted	accept	VERB
hassl-4494	7	35	:	:	PUNCT
hassl-4494	7	36	1	1	NUM
hassl-4494	7	37	october	october	NOUN
hassl-4494	7	38	2025	2025	NUM
hassl-4494	7	39	published	publish	VERB
hassl-4494	7	40	:	:	PUNCT
hassl-4494	7	41	27	27	NUM
hassl-4494	7	42	october	october	NOUN
hassl-4494	7	43	2025	2025	NUM
hassl-4494	7	44	keywords	keyword	NOUN
hassl-4494	7	45	small	small	ADJ
hassl-4494	7	46	and	and	CCONJ
hassl-4494	7	47	medium	medium	ADJ
hassl-4494	7	48	enterprises	enterprise	NOUN
hassl-4494	7	49	digital	digital	ADJ
hassl-4494	7	50	literacy	literacy	NOUN
hassl-4494	7	51	credit	credit	NOUN
hassl-4494	7	52	facilities	facility	NOUN
hassl-4494	7	53	business	business	NOUN
hassl-4494	7	54	development	development	PROPN
hassl-4494	7	55	financial	financial	ADJ
hassl-4494	7	56	economics	economic	NOUN
hassl-4494	7	57	.	.	PUNCT
hassl-4494	8	1	this	this	DET
hassl-4494	8	2	study	study	NOUN
hassl-4494	8	3	aims	aim	VERB
hassl-4494	8	4	to	to	PART
hassl-4494	8	5	analyze	analyze	VERB
hassl-4494	8	6	the	the	DET
hassl-4494	8	7	development	development	NOUN
hassl-4494	8	8	of	of	ADP
hassl-4494	8	9	smes	sme	NOUN
hassl-4494	8	10	based	base	VERB
hassl-4494	8	11	on	on	ADP
hassl-4494	8	12	literacy	literacy	NOUN
hassl-4494	8	13	and	and	CCONJ
hassl-4494	8	14	the	the	DET
hassl-4494	8	15	use	use	NOUN
hassl-4494	8	16	of	of	ADP
hassl-4494	8	17	credit	credit	NOUN
hassl-4494	8	18	facilities	facility	NOUN
hassl-4494	8	19	for	for	ADP
hassl-4494	8	20	innovative	innovative	ADJ
hassl-4494	8	21	and	and	CCONJ
hassl-4494	8	22	competitive	competitive	ADJ
hassl-4494	8	23	business	business	NOUN
hassl-4494	8	24	development	development	NOUN
hassl-4494	8	25	.	.	PUNCT
hassl-4494	9	1	the	the	DET
hassl-4494	9	2	research	research	NOUN
hassl-4494	9	3	was	be	AUX
hassl-4494	9	4	conducted	conduct	VERB
hassl-4494	9	5	using	use	VERB
hassl-4494	9	6	the	the	DET
hassl-4494	9	7	survey	survey	NOUN
hassl-4494	9	8	method	method	NOUN
hassl-4494	9	9	,	,	PUNCT
hassl-4494	9	10	and	and	CCONJ
hassl-4494	9	11	the	the	DET
hassl-4494	9	12	data	datum	NOUN
hassl-4494	9	13	were	be	AUX
hassl-4494	9	14	analyzed	analyze	VERB
hassl-4494	9	15	for	for	ADP
hassl-4494	9	16	quantitative	quantitative	ADJ
hassl-4494	9	17	modeling	modeling	NOUN
hassl-4494	9	18	.	.	PUNCT
hassl-4494	10	1	the	the	DET
hassl-4494	10	2	population	population	NOUN
hassl-4494	10	3	in	in	ADP
hassl-4494	10	4	this	this	DET
hassl-4494	10	5	study	study	NOUN
hassl-4494	10	6	consisted	consist	VERB
hassl-4494	10	7	of	of	ADP
hassl-4494	10	8	jakpreneur	jakpreneur	PROPN
hassl-4494	10	9	msmes	msme	NOUN
hassl-4494	10	10	totaling	total	VERB
hassl-4494	10	11	1,251	1,251	NUM
hassl-4494	10	12	individuals	individual	NOUN
hassl-4494	10	13	.	.	PUNCT
hassl-4494	11	1	the	the	DET
hassl-4494	11	2	sample	sample	NOUN
hassl-4494	11	3	size	size	NOUN
hassl-4494	11	4	was	be	AUX
hassl-4494	11	5	set	set	VERB
hassl-4494	11	6	at	at	ADP
hassl-4494	11	7	275	275	NUM
hassl-4494	11	8	participants	participant	NOUN
hassl-4494	11	9	.	.	PUNCT
hassl-4494	12	1	the	the	DET
hassl-4494	12	2	analysis	analysis	NOUN
hassl-4494	12	3	focused	focus	VERB
hassl-4494	12	4	on	on	ADP
hassl-4494	12	5	sme	sme	NOUN
hassl-4494	12	6	development	development	NOUN
hassl-4494	12	7	factors	factor	NOUN
hassl-4494	12	8	related	relate	VERB
hassl-4494	12	9	to	to	ADP
hassl-4494	12	10	digital	digital	ADJ
hassl-4494	12	11	literacy	literacy	NOUN
hassl-4494	12	12	and	and	CCONJ
hassl-4494	12	13	the	the	DET
hassl-4494	12	14	utilization	utilization	NOUN
hassl-4494	12	15	of	of	ADP
hassl-4494	12	16	credit	credit	NOUN
hassl-4494	12	17	facilities	facility	NOUN
hassl-4494	12	18	,	,	PUNCT
hassl-4494	12	19	emphasizing	emphasize	VERB
hassl-4494	12	20	the	the	DET
hassl-4494	12	21	process	process	NOUN
hassl-4494	12	22	of	of	ADP
hassl-4494	12	23	access	access	NOUN
hassl-4494	12	24	to	to	ADP
hassl-4494	12	25	finance	finance	NOUN
hassl-4494	12	26	for	for	ADP
hassl-4494	12	27	smes	sme	NOUN
hassl-4494	12	28	in	in	ADP
hassl-4494	12	29	developing	develop	VERB
hassl-4494	12	30	their	their	PRON
hassl-4494	12	31	businesses	business	NOUN
hassl-4494	12	32	both	both	CCONJ
hassl-4494	12	33	financially	financially	ADV
hassl-4494	12	34	and	and	CCONJ
hassl-4494	12	35	productively	productively	ADV
hassl-4494	12	36	.	.	PUNCT
hassl-4494	13	1	the	the	DET
hassl-4494	13	2	conclusion	conclusion	NOUN
hassl-4494	13	3	indicates	indicate	VERB
hassl-4494	13	4	that	that	SCONJ
hassl-4494	13	5	digital	digital	ADJ
hassl-4494	13	6	literacy	literacy	NOUN
hassl-4494	13	7	has	have	VERB
hassl-4494	13	8	a	a	DET
hassl-4494	13	9	significant	significant	ADJ
hassl-4494	13	10	impact	impact	NOUN
hassl-4494	13	11	on	on	ADP
hassl-4494	13	12	the	the	DET
hassl-4494	13	13	use	use	NOUN
hassl-4494	13	14	of	of	ADP
hassl-4494	13	15	credit	credit	NOUN
hassl-4494	13	16	facilities	facility	NOUN
hassl-4494	13	17	and	and	CCONJ
hassl-4494	13	18	business	business	NOUN
hassl-4494	13	19	development	development	NOUN
hassl-4494	13	20	.	.	PUNCT
hassl-4494	14	1	the	the	DET
hassl-4494	14	2	use	use	NOUN
hassl-4494	14	3	of	of	ADP
hassl-4494	14	4	credit	credit	NOUN
hassl-4494	14	5	facilities	facility	NOUN
hassl-4494	14	6	also	also	ADV
hassl-4494	14	7	mediates	mediate	VERB
hassl-4494	14	8	the	the	DET
hassl-4494	14	9	relationship	relationship	NOUN
hassl-4494	14	10	between	between	ADP
hassl-4494	14	11	digital	digital	ADJ
hassl-4494	14	12	literacy	literacy	NOUN
hassl-4494	14	13	and	and	CCONJ
hassl-4494	14	14	business	business	NOUN
hassl-4494	14	15	growth	growth	NOUN
hassl-4494	14	16	,	,	PUNCT
hassl-4494	14	17	partially	partially	ADV
hassl-4494	14	18	explaining	explain	VERB
hassl-4494	14	19	how	how	SCONJ
hassl-4494	14	20	digital	digital	ADJ
hassl-4494	14	21	literacy	literacy	NOUN
hassl-4494	14	22	contributes	contribute	VERB
hassl-4494	14	23	to	to	ADP
hassl-4494	14	24	business	business	NOUN
hassl-4494	14	25	development	development	NOUN
hassl-4494	14	26	.	.	PUNCT
hassl-4494	15	1	this	this	DET
hassl-4494	15	2	research	research	NOUN
hassl-4494	15	3	provides	provide	VERB
hassl-4494	15	4	practical	practical	ADJ
hassl-4494	15	5	implications	implication	NOUN
hassl-4494	15	6	for	for	ADP
hassl-4494	15	7	the	the	DET
hassl-4494	15	8	importance	importance	NOUN
hassl-4494	15	9	of	of	ADP
hassl-4494	15	10	enhancing	enhance	VERB
hassl-4494	15	11	digital	digital	ADJ
hassl-4494	15	12	literacy	literacy	NOUN
hassl-4494	15	13	among	among	ADP
hassl-4494	15	14	msmes	msme	NOUN
hassl-4494	15	15	by	by	ADP
hassl-4494	15	16	optimizing	optimize	VERB
hassl-4494	15	17	the	the	DET
hassl-4494	15	18	benefits	benefit	NOUN
hassl-4494	15	19	of	of	ADP
hassl-4494	15	20	credit	credit	NOUN
hassl-4494	15	21	facilities	facility	NOUN
hassl-4494	15	22	for	for	ADP
hassl-4494	15	23	business	business	NOUN
hassl-4494	15	24	development	development	NOUN
hassl-4494	15	25	,	,	PUNCT
hassl-4494	15	26	as	as	SCONJ
hassl-4494	15	27	it	it	PRON
hassl-4494	15	28	can	can	AUX
hassl-4494	15	29	increase	increase	VERB
hassl-4494	15	30	access	access	NOUN
hassl-4494	15	31	to	to	ADP
hassl-4494	15	32	productive	productive	ADJ
hassl-4494	15	33	finance	finance	NOUN
hassl-4494	15	34	.	.	PUNCT
hassl-4494	16	1	future	future	ADJ
hassl-4494	16	2	researchers	researcher	NOUN
hassl-4494	16	3	are	be	AUX
hassl-4494	16	4	encouraged	encourage	VERB
hassl-4494	16	5	to	to	PART
hassl-4494	16	6	examine	examine	VERB
hassl-4494	16	7	variables	variable	NOUN
hassl-4494	16	8	such	such	ADJ
hassl-4494	16	9	as	as	ADP
hassl-4494	16	10	location	location	NOUN
hassl-4494	16	11	,	,	PUNCT
hassl-4494	16	12	education	education	NOUN
hassl-4494	16	13	and	and	CCONJ
hassl-4494	16	14	training	training	NOUN
hassl-4494	16	15	,	,	PUNCT
hassl-4494	16	16	creativity	creativity	NOUN
hassl-4494	16	17	,	,	PUNCT
hassl-4494	16	18	innovation	innovation	NOUN
hassl-4494	16	19	,	,	PUNCT
hassl-4494	16	20	and	and	CCONJ
hassl-4494	16	21	other	other	ADJ
hassl-4494	16	22	aspects	aspect	NOUN
hassl-4494	16	23	related	relate	VERB
hassl-4494	16	24	to	to	ADP
hassl-4494	16	25	digital	digital	ADJ
hassl-4494	16	26	industry	industry	NOUN
hassl-4494	16	27	4.0	4.0	NUM
hassl-4494	16	28	capabilities	capability	NOUN
hassl-4494	16	29	.	.	PUNCT
hassl-4494	17	1	contribution	contribution	NOUN
hassl-4494	17	2	/	/	SYM
hassl-4494	17	3	originality	originality	NOUN
hassl-4494	17	4	:	:	PUNCT
hassl-4494	17	5	this	this	DET
hassl-4494	17	6	research	research	NOUN
hassl-4494	17	7	contributes	contribute	VERB
hassl-4494	17	8	to	to	ADP
hassl-4494	17	9	the	the	DET
hassl-4494	17	10	understanding	understanding	NOUN
hassl-4494	17	11	of	of	ADP
hassl-4494	17	12	smes	sme	NOUN
hassl-4494	17	13	'	'	PART
hassl-4494	17	14	financial	financial	ADJ
hassl-4494	17	15	literacy	literacy	NOUN
hassl-4494	17	16	,	,	PUNCT
hassl-4494	17	17	identifies	identify	VERB
hassl-4494	17	18	training	training	NOUN
hassl-4494	17	19	needs	need	NOUN
hassl-4494	17	20	that	that	PRON
hassl-4494	17	21	support	support	VERB
hassl-4494	17	22	financial	financial	ADJ
hassl-4494	17	23	management	management	NOUN
hassl-4494	17	24	,	,	PUNCT
hassl-4494	17	25	use	use	NOUN
hassl-4494	17	26	of	of	ADP
hassl-4494	17	27	credit	credit	NOUN
hassl-4494	17	28	facilities	facility	NOUN
hassl-4494	17	29	,	,	PUNCT
hassl-4494	17	30	credit	credit	NOUN
hassl-4494	17	31	optimization	optimization	NOUN
hassl-4494	17	32	for	for	ADP
hassl-4494	17	33	sme	sme	NOUN
hassl-4494	17	34	growth	growth	NOUN
hassl-4494	17	35	,	,	PUNCT
hassl-4494	17	36	and	and	CCONJ
hassl-4494	17	37	challenges	challenge	NOUN
hassl-4494	17	38	faced	face	VERB
hassl-4494	17	39	.	.	PUNCT
hassl-4494	18	1	it	it	PRON
hassl-4494	18	2	models	model	VERB
hassl-4494	18	3	sme	sme	PROPN
hassl-4494	18	4	development	development	NOUN
hassl-4494	18	5	based	base	VERB
hassl-4494	18	6	on	on	ADP
hassl-4494	18	7	digital	digital	ADJ
hassl-4494	18	8	literacy	literacy	NOUN
hassl-4494	18	9	and	and	CCONJ
hassl-4494	18	10	credit	credit	NOUN
hassl-4494	18	11	facilities	facility	NOUN
hassl-4494	18	12	,	,	PUNCT
hassl-4494	18	13	offers	offer	VERB
hassl-4494	18	14	a	a	DET
hassl-4494	18	15	modeling	modeling	NOUN
hassl-4494	18	16	basis	basis	NOUN
hassl-4494	18	17	for	for	ADP
hassl-4494	18	18	policies	policy	NOUN
hassl-4494	18	19	and	and	CCONJ
hassl-4494	18	20	programs	program	NOUN
hassl-4494	18	21	,	,	PUNCT
hassl-4494	18	22	and	and	CCONJ
hassl-4494	18	23	the	the	DET
hassl-4494	18	24	quantitative	quantitative	ADJ
hassl-4494	18	25	data	datum	NOUN
hassl-4494	18	26	obtained	obtain	VERB
hassl-4494	18	27	supports	support	VERB
hassl-4494	18	28	decision	decision	NOUN
hassl-4494	18	29	-	-	PUNCT
hassl-4494	18	30	making	making	NOUN
hassl-4494	18	31	with	with	ADP
hassl-4494	18	32	a	a	DET
hassl-4494	18	33	clear	clear	ADJ
hassl-4494	18	34	picture	picture	NOUN
hassl-4494	18	35	of	of	ADP
hassl-4494	18	36	smes	sme	NOUN
hassl-4494	18	37	'	'	PART
hassl-4494	18	38	status	status	NOUN
hassl-4494	18	39	and	and	CCONJ
hassl-4494	18	40	challenges	challenge	NOUN
hassl-4494	18	41	.	.	PUNCT
hassl-4494	19	1	it	it	PRON
hassl-4494	19	2	makes	make	VERB
hassl-4494	19	3	an	an	DET
hassl-4494	19	4	important	important	ADJ
hassl-4494	19	5	contribution	contribution	NOUN
hassl-4494	19	6	to	to	ADP
hassl-4494	19	7	the	the	DET
hassl-4494	19	8	academic	academic	ADJ
hassl-4494	19	9	literature	literature	NOUN
hassl-4494	19	10	.	.	PUNCT
hassl-4494	20	1	1	1	X
hassl-4494	20	2	.	.	X
hassl-4494	20	3	introduction	introduction	NOUN
hassl-4494	20	4	small	small	ADJ
hassl-4494	20	5	and	and	CCONJ
hassl-4494	20	6	medium	medium	ADJ
hassl-4494	20	7	enterprises	enterprise	NOUN
hassl-4494	20	8	(	(	PUNCT
hassl-4494	20	9	smes	sme	NOUN
hassl-4494	20	10	)	)	PUNCT
hassl-4494	20	11	developed	develop	VERB
hassl-4494	20	12	in	in	ADP
hassl-4494	20	13	the	the	DET
hassl-4494	20	14	digital	digital	ADJ
hassl-4494	20	15	era	era	NOUN
hassl-4494	20	16	by	by	ADP
hassl-4494	20	17	relying	rely	VERB
hassl-4494	20	18	on	on	ADP
hassl-4494	20	19	knowledge	knowledge	NOUN
hassl-4494	20	20	and	and	CCONJ
hassl-4494	20	21	optimizing	optimize	VERB
hassl-4494	20	22	capital	capital	NOUN
hassl-4494	20	23	utilization	utilization	NOUN
hassl-4494	20	24	have	have	AUX
hassl-4494	20	25	proven	prove	VERB
hassl-4494	20	26	to	to	PART
hassl-4494	20	27	be	be	AUX
hassl-4494	20	28	significant	significant	ADJ
hassl-4494	20	29	in	in	ADP
hassl-4494	20	30	influencing	influence	VERB
hassl-4494	20	31	a	a	DET
hassl-4494	20	32	country	country	NOUN
hassl-4494	20	33	's	's	PART
hassl-4494	20	34	economic	economic	ADJ
hassl-4494	20	35	growth	growth	NOUN
hassl-4494	20	36	,	,	PUNCT
hassl-4494	20	37	driving	drive	VERB
hassl-4494	20	38	the	the	DET
hassl-4494	20	39	real	real	ADJ
hassl-4494	20	40	economy	economy	NOUN
hassl-4494	20	41	,	,	PUNCT
hassl-4494	20	42	and	and	CCONJ
hassl-4494	20	43	forming	form	VERB
hassl-4494	20	44	productive	productive	ADJ
hassl-4494	20	45	communities	community	NOUN
hassl-4494	20	46	(	(	PUNCT
hassl-4494	20	47	ambad	ambad	NOUN
hassl-4494	20	48	&	&	CCONJ
hassl-4494	20	49	damit	damit	PROPN
hassl-4494	20	50	,	,	PUNCT
hassl-4494	20	51	2016	2016	NUM
hassl-4494	20	52	)	)	PUNCT
hassl-4494	20	53	.	.	PUNCT
hassl-4494	21	1	they	they	PRON
hassl-4494	21	2	contribute	contribute	VERB
hassl-4494	21	3	to	to	ADP
hassl-4494	21	4	reducing	reduce	VERB
hassl-4494	21	5	unemployment	unemployment	NOUN
hassl-4494	21	6	(	(	PUNCT
hassl-4494	21	7	heinonen	heinonen	PROPN
hassl-4494	21	8	&	&	CCONJ
hassl-4494	21	9	poikkijoki	poikkijoki	NOUN
hassl-4494	21	10	,	,	PUNCT
hassl-4494	21	11	2006	2006	NUM
hassl-4494	21	12	)	)	PUNCT
hassl-4494	21	13	and	and	CCONJ
hassl-4494	21	14	can	can	AUX
hassl-4494	21	15	even	even	ADV
hassl-4494	21	16	become	become	VERB
hassl-4494	21	17	an	an	DET
hassl-4494	21	18	economic	economic	ADJ
hassl-4494	21	19	culture	culture	NOUN
hassl-4494	21	20	of	of	ADP
hassl-4494	21	21	empowerment	empowerment	NOUN
hassl-4494	21	22	(	(	PUNCT
hassl-4494	21	23	van	van	PROPN
hassl-4494	21	24	gelderen	gelderen	PROPN
hassl-4494	21	25	et	et	PROPN
hassl-4494	21	26	al	al	PROPN
hassl-4494	21	27	.	.	PROPN
hassl-4494	21	28	,	,	PUNCT
hassl-4494	21	29	2008	2008	NUM
hassl-4494	21	30	)	)	PUNCT
hassl-4494	21	31	.	.	PUNCT
hassl-4494	22	1	smes	sme	NOUN
hassl-4494	22	2	are	be	AUX
hassl-4494	22	3	growing	grow	VERB
hassl-4494	22	4	and	and	CCONJ
hassl-4494	22	5	becoming	become	VERB
hassl-4494	22	6	more	more	ADV
hassl-4494	22	7	competitive	competitive	ADJ
hassl-4494	22	8	in	in	ADP
hassl-4494	22	9	the	the	DET
hassl-4494	22	10	global	global	ADJ
hassl-4494	22	11	and	and	CCONJ
hassl-4494	22	12	digital	digital	ADJ
hassl-4494	22	13	era	era	NOUN
hassl-4494	22	14	.	.	PUNCT
hassl-4494	23	1	this	this	DET
hassl-4494	23	2	research	research	NOUN
hassl-4494	23	3	is	be	AUX
hassl-4494	23	4	conducted	conduct	VERB
hassl-4494	23	5	under	under	ADP
hassl-4494	23	6	the	the	DET
hassl-4494	23	7	unj	unj	PROPN
hassl-4494	23	8	research	research	NOUN
hassl-4494	23	9	master	master	NOUN
hassl-4494	23	10	plan	plan	NOUN
hassl-4494	23	11	,	,	PUNCT
hassl-4494	23	12	which	which	PRON
hassl-4494	23	13	encompasses	encompass	VERB
hassl-4494	23	14	the	the	DET
hassl-4494	23	15	fields	field	NOUN
hassl-4494	23	16	of	of	ADP
hassl-4494	23	17	social	social	ADJ
hassl-4494	23	18	humanities	humanity	NOUN
hassl-4494	23	19	,	,	PUNCT
hassl-4494	23	20	cultural	cultural	ADJ
hassl-4494	23	21	arts	art	NOUN
hassl-4494	23	22	,	,	PUNCT
hassl-4494	23	23	and	and	CCONJ
hassl-4494	23	24	the	the	DET
hassl-4494	23	25	creative	creative	ADJ
hassl-4494	23	26	economy	economy	NOUN
hassl-4494	23	27	,	,	PUNCT
hassl-4494	23	28	with	with	ADP
hassl-4494	23	29	the	the	DET
hassl-4494	23	30	theme	theme	NOUN
hassl-4494	23	31	of	of	ADP
hassl-4494	23	32	sme	sme	PROPN
hassl-4494	23	33	welfare	welfare	NOUN
hassl-4494	23	34	economics	economic	NOUN
hassl-4494	23	35	and	and	CCONJ
hassl-4494	23	36	finance	finance	NOUN
hassl-4494	23	37	.	.	PUNCT
hassl-4494	24	1	humanities	humanity	NOUN
hassl-4494	24	2	and	and	CCONJ
hassl-4494	24	3	social	social	ADJ
hassl-4494	24	4	sciences	science	NOUN
hassl-4494	24	5	letters	letter	NOUN
hassl-4494	24	6	2025	2025	NUM
hassl-4494	24	7	vol	vol	NOUN
hassl-4494	24	8	.	.	PROPN
hassl-4494	24	9	13	13	NUM
hassl-4494	24	10	,	,	PUNCT
hassl-4494	24	11	no	no	INTJ
hassl-4494	24	12	.	.	NOUN
hassl-4494	24	13	4	4	NUM
hassl-4494	24	14	,	,	PUNCT
hassl-4494	24	15	pp	pp	ADJ
hassl-4494	24	16	.	.	PUNCT
hassl-4494	25	1	1287	1287	NUM
hassl-4494	25	2	-	-	SYM
hassl-4494	25	3	1303	1303	NUM
hassl-4494	25	4	issn(e	issn(e	NOUN
hassl-4494	25	5	):	):	PUNCT
hassl-4494	25	6	2312	2312	NUM
hassl-4494	25	7	-	-	SYM
hassl-4494	25	8	4318	4318	NUM
hassl-4494	25	9	issn(p	issn(p	NUM
hassl-4494	25	10	):	):	PUNCT
hassl-4494	25	11	2312	2312	NUM
hassl-4494	25	12	-	-	SYM
hassl-4494	25	13	5659	5659	NUM
hassl-4494	25	14	doi	doi	NOUN
hassl-4494	25	15	:	:	PUNCT
hassl-4494	25	16	10.18488/73.v13i4.4494	10.18488/73.v13i4.4494	NUM
hassl-4494	25	17	©	©	ADP
hassl-4494	25	18	2025	2025	NUM
hassl-4494	25	19	conscientia	conscientia	PROPN
hassl-4494	25	20	beam	beam	PROPN
hassl-4494	25	21	.	.	PUNCT
hassl-4494	26	1	all	all	DET
hassl-4494	26	2	rights	right	NOUN
hassl-4494	26	3	reserved	reserve	VERB
hassl-4494	26	4	.	.	PUNCT
hassl-4494	27	1	mailto:dicky@unj.ac.id	mailto:dicky@unj.ac.id	PROPN
hassl-4494	27	2	mailto:suherman@unj.ac.id	mailto:suherman@unj.ac.id	NOUN
hassl-4494	27	3	mailto:gnahmad@unj.ac.id	mailto:gnahmad@unj.ac.id	NOUN
hassl-4494	27	4	mailto:suparno@feunj.ac.id	mailto:suparno@feunj.ac.id	PROPN
hassl-4494	27	5	mailto:bagus.shandy.fe@um.ac.id	mailto:bagus.shandy.fe@um.ac.id	PROPN
hassl-4494	27	6	https://orcid.org/0009-0007-5250-4349	https://orcid.org/0009-0007-5250-4349	PROPN
hassl-4494	28	1	https://orcid.org/0000-0002-6888-0759	https://orcid.org/0000-0002-6888-0759	INTJ
hassl-4494	28	2	https://orcid.org/0000-0002-2274-9499	https://orcid.org/0000-0002-2274-9499	PROPN
hassl-4494	28	3	https://orcid.org/0000-0002-5518-0489	https://orcid.org/0000-0002-5518-0489	PROPN
hassl-4494	28	4	https://orcid.org/0000-0002-4019-8723	https://orcid.org/0000-0002-4019-8723	NOUN
hassl-4494	28	5	https://www.doi.org/10.18488/73.v13i4.4494	https://www.doi.org/10.18488/73.v13i4.4494	PROPN
hassl-4494	28	6	humanities	humanity	NOUN
hassl-4494	28	7	and	and	CCONJ
hassl-4494	28	8	social	social	ADJ
hassl-4494	28	9	sciences	science	NOUN
hassl-4494	28	10	letters	letter	NOUN
hassl-4494	28	11	,	,	PUNCT
hassl-4494	28	12	2025	2025	NUM
hassl-4494	28	13	,	,	PUNCT
hassl-4494	28	14	13(4	13(4	NUM
hassl-4494	28	15	):	):	PUNCT
hassl-4494	28	16	1287	1287	NUM
hassl-4494	28	17	-	-	SYM
hassl-4494	28	18	1303	1303	NUM
hassl-4494	28	19	1288	1288	NUM
hassl-4494	28	20	©	©	PROPN
hassl-4494	28	21	2025	2025	NUM
hassl-4494	28	22	conscientia	conscientia	PROPN
hassl-4494	28	23	beam	beam	PROPN
hassl-4494	28	24	.	.	PUNCT
hassl-4494	29	1	all	all	DET
hassl-4494	29	2	rights	right	NOUN
hassl-4494	29	3	reserved	reserve	VERB
hassl-4494	29	4	.	.	PUNCT
hassl-4494	30	1	smes	sme	NOUN
hassl-4494	30	2	play	play	VERB
hassl-4494	30	3	a	a	DET
hassl-4494	30	4	crucial	crucial	ADJ
hassl-4494	30	5	strategic	strategic	ADJ
hassl-4494	30	6	role	role	NOUN
hassl-4494	30	7	in	in	ADP
hassl-4494	30	8	the	the	DET
hassl-4494	30	9	indonesian	indonesian	ADJ
hassl-4494	30	10	economy	economy	NOUN
hassl-4494	30	11	by	by	ADP
hassl-4494	30	12	creating	create	VERB
hassl-4494	30	13	employment	employment	NOUN
hassl-4494	30	14	and	and	CCONJ
hassl-4494	30	15	investment	investment	NOUN
hassl-4494	30	16	opportunities	opportunity	NOUN
hassl-4494	30	17	.	.	PUNCT
hassl-4494	31	1	they	they	PRON
hassl-4494	31	2	significantly	significantly	ADV
hassl-4494	31	3	increase	increase	VERB
hassl-4494	31	4	employment	employment	NOUN
hassl-4494	31	5	opportunities	opportunity	NOUN
hassl-4494	31	6	,	,	PUNCT
hassl-4494	31	7	support	support	NOUN
hassl-4494	31	8	income	income	NOUN
hassl-4494	31	9	equality	equality	NOUN
hassl-4494	31	10	,	,	PUNCT
hassl-4494	31	11	and	and	CCONJ
hassl-4494	31	12	play	play	VERB
hassl-4494	31	13	a	a	DET
hassl-4494	31	14	role	role	NOUN
hassl-4494	31	15	in	in	ADP
hassl-4494	31	16	rural	rural	ADJ
hassl-4494	31	17	economic	economic	ADJ
hassl-4494	31	18	development	development	NOUN
hassl-4494	31	19	.	.	PUNCT
hassl-4494	32	1	in	in	ADP
hassl-4494	32	2	addition	addition	NOUN
hassl-4494	32	3	,	,	PUNCT
hassl-4494	32	4	smes	sme	NOUN
hassl-4494	32	5	contribute	contribute	VERB
hassl-4494	32	6	to	to	ADP
hassl-4494	32	7	the	the	DET
hassl-4494	32	8	increase	increase	NOUN
hassl-4494	32	9	in	in	ADP
hassl-4494	32	10	non	non	ADJ
hassl-4494	32	11	-	-	ADJ
hassl-4494	32	12	oil	oil	ADJ
hassl-4494	32	13	and	and	CCONJ
hassl-4494	32	14	gas	gas	NOUN
hassl-4494	32	15	exports	export	NOUN
hassl-4494	32	16	and	and	CCONJ
hassl-4494	32	17	have	have	VERB
hassl-4494	32	18	a	a	DET
hassl-4494	32	19	major	major	ADJ
hassl-4494	32	20	impact	impact	NOUN
hassl-4494	32	21	on	on	ADP
hassl-4494	32	22	the	the	DET
hassl-4494	32	23	country	country	NOUN
hassl-4494	32	24	's	's	PART
hassl-4494	32	25	gross	gross	ADJ
hassl-4494	32	26	domestic	domestic	ADJ
hassl-4494	32	27	product	product	NOUN
hassl-4494	32	28	(	(	PUNCT
hassl-4494	32	29	gdp	gdp	NOUN
hassl-4494	32	30	)	)	PUNCT
hassl-4494	32	31	.	.	PUNCT
hassl-4494	33	1	with	with	ADP
hassl-4494	33	2	local	local	ADJ
hassl-4494	33	3	economic	economic	ADJ
hassl-4494	33	4	growth	growth	NOUN
hassl-4494	33	5	,	,	PUNCT
hassl-4494	33	6	smes	sme	NOUN
hassl-4494	33	7	can	can	AUX
hassl-4494	33	8	either	either	CCONJ
hassl-4494	33	9	enhance	enhance	VERB
hassl-4494	33	10	the	the	DET
hassl-4494	33	11	national	national	ADJ
hassl-4494	33	12	economic	economic	ADJ
hassl-4494	33	13	structure	structure	NOUN
hassl-4494	33	14	or	or	CCONJ
hassl-4494	33	15	support	support	VERB
hassl-4494	33	16	the	the	DET
hassl-4494	33	17	overall	overall	ADJ
hassl-4494	33	18	well	well	ADV
hassl-4494	33	19	-	-	PUNCT
hassl-4494	33	20	being	being	NOUN
hassl-4494	33	21	of	of	ADP
hassl-4494	33	22	society	society	NOUN
hassl-4494	33	23	.	.	PUNCT
hassl-4494	34	1	a	a	DET
hassl-4494	34	2	preliminary	preliminary	ADJ
hassl-4494	34	3	work	work	NOUN
hassl-4494	34	4	confirmed	confirm	VERB
hassl-4494	34	5	the	the	DET
hassl-4494	34	6	importance	importance	NOUN
hassl-4494	34	7	of	of	ADP
hassl-4494	34	8	smes	sme	NOUN
hassl-4494	34	9	in	in	ADP
hassl-4494	34	10	driving	drive	VERB
hassl-4494	34	11	economic	economic	ADJ
hassl-4494	34	12	and	and	CCONJ
hassl-4494	34	13	social	social	ADJ
hassl-4494	34	14	progress	progress	NOUN
hassl-4494	34	15	at	at	ADP
hassl-4494	34	16	both	both	CCONJ
hassl-4494	34	17	the	the	DET
hassl-4494	34	18	local	local	ADJ
hassl-4494	34	19	and	and	CCONJ
hassl-4494	34	20	national	national	ADJ
hassl-4494	34	21	levels	level	NOUN
hassl-4494	34	22	(	(	PUNCT
hassl-4494	34	23	sujarwo	sujarwo	PROPN
hassl-4494	34	24	,	,	PUNCT
hassl-4494	34	25	tristanti	tristanti	PROPN
hassl-4494	34	26	,	,	PUNCT
hassl-4494	34	27	&	&	CCONJ
hassl-4494	34	28	kusumawardani	kusumawardani	PROPN
hassl-4494	34	29	,	,	PUNCT
hassl-4494	34	30	2022	2022	NUM
hassl-4494	34	31	)	)	PUNCT
hassl-4494	34	32	.	.	PUNCT
hassl-4494	35	1	digital	digital	ADJ
hassl-4494	35	2	literacy	literacy	NOUN
hassl-4494	35	3	is	be	AUX
hassl-4494	35	4	crucial	crucial	ADJ
hassl-4494	35	5	for	for	ADP
hassl-4494	35	6	entrepreneurs	entrepreneur	NOUN
hassl-4494	35	7	in	in	ADP
hassl-4494	35	8	thinking	think	VERB
hassl-4494	35	9	,	,	PUNCT
hassl-4494	35	10	behaving	behave	VERB
hassl-4494	35	11	,	,	PUNCT
hassl-4494	35	12	and	and	CCONJ
hassl-4494	35	13	actions	action	NOUN
hassl-4494	35	14	that	that	PRON
hassl-4494	35	15	enhance	enhance	VERB
hassl-4494	35	16	production	production	NOUN
hassl-4494	35	17	and	and	CCONJ
hassl-4494	35	18	marketing	marketing	NOUN
hassl-4494	35	19	processes	process	NOUN
hassl-4494	35	20	,	,	PUNCT
hassl-4494	35	21	leading	lead	VERB
hassl-4494	35	22	to	to	ADP
hassl-4494	35	23	increased	increase	VERB
hassl-4494	35	24	efficiency	efficiency	NOUN
hassl-4494	35	25	and	and	CCONJ
hassl-4494	35	26	innovation	innovation	NOUN
hassl-4494	35	27	in	in	ADP
hassl-4494	35	28	accessing	access	VERB
hassl-4494	35	29	greater	great	ADJ
hassl-4494	35	30	profits	profit	NOUN
hassl-4494	35	31	(	(	PUNCT
hassl-4494	35	32	coco	coco	PROPN
hassl-4494	35	33	,	,	PUNCT
hassl-4494	35	34	colapinto	colapinto	PROPN
hassl-4494	35	35	,	,	PUNCT
hassl-4494	35	36	&	&	CCONJ
hassl-4494	35	37	finotto	finotto	NOUN
hassl-4494	35	38	,	,	PUNCT
hassl-4494	35	39	2024	2024	NUM
hassl-4494	35	40	)	)	PUNCT
hassl-4494	35	41	.	.	PUNCT
hassl-4494	36	1	hence	hence	ADV
hassl-4494	36	2	,	,	PUNCT
hassl-4494	36	3	sufficient	sufficient	ADJ
hassl-4494	36	4	knowledge	knowledge	NOUN
hassl-4494	36	5	and	and	CCONJ
hassl-4494	36	6	digital	digital	ADJ
hassl-4494	36	7	literacy	literacy	NOUN
hassl-4494	36	8	are	be	AUX
hassl-4494	36	9	needed	need	VERB
hassl-4494	36	10	for	for	SCONJ
hassl-4494	36	11	msme	msme	NOUN
hassl-4494	36	12	actors	actor	NOUN
hassl-4494	36	13	to	to	PART
hassl-4494	36	14	access	access	VERB
hassl-4494	36	15	credit	credit	NOUN
hassl-4494	36	16	.	.	PUNCT
hassl-4494	37	1	the	the	DET
hassl-4494	37	2	basic	basic	ADJ
hassl-4494	37	3	rationale	rationale	NOUN
hassl-4494	37	4	is	be	AUX
hassl-4494	37	5	that	that	SCONJ
hassl-4494	37	6	msmes	msme	NOUN
hassl-4494	37	7	will	will	AUX
hassl-4494	37	8	be	be	AUX
hassl-4494	37	9	able	able	ADJ
hassl-4494	37	10	to	to	PART
hassl-4494	37	11	manage	manage	VERB
hassl-4494	37	12	their	their	PRON
hassl-4494	37	13	finances	finance	NOUN
hassl-4494	37	14	and	and	CCONJ
hassl-4494	37	15	businesses	business	NOUN
hassl-4494	37	16	as	as	ADV
hassl-4494	37	17	efficiently	efficiently	ADV
hassl-4494	37	18	as	as	ADP
hassl-4494	37	19	possible	possible	ADJ
hassl-4494	37	20	if	if	SCONJ
hassl-4494	37	21	they	they	PRON
hassl-4494	37	22	have	have	VERB
hassl-4494	37	23	sufficient	sufficient	ADJ
hassl-4494	37	24	knowledge	knowledge	NOUN
hassl-4494	37	25	of	of	ADP
hassl-4494	37	26	economics	economic	NOUN
hassl-4494	37	27	and	and	CCONJ
hassl-4494	37	28	finance	finance	NOUN
hassl-4494	37	29	.	.	PUNCT
hassl-4494	38	1	currently	currently	ADV
hassl-4494	38	2	,	,	PUNCT
hassl-4494	38	3	the	the	DET
hassl-4494	38	4	digital	digital	ADJ
hassl-4494	38	5	era	era	NOUN
hassl-4494	38	6	requires	require	VERB
hassl-4494	38	7	msme	msme	NOUN
hassl-4494	38	8	actors	actor	NOUN
hassl-4494	38	9	to	to	PART
hassl-4494	38	10	understand	understand	VERB
hassl-4494	38	11	how	how	SCONJ
hassl-4494	38	12	to	to	PART
hassl-4494	38	13	manage	manage	VERB
hassl-4494	38	14	finances	finance	NOUN
hassl-4494	38	15	and	and	CCONJ
hassl-4494	38	16	investments	investment	NOUN
hassl-4494	38	17	(	(	PUNCT
hassl-4494	38	18	jindrichovska	jindrichovska	PROPN
hassl-4494	38	19	,	,	PUNCT
hassl-4494	38	20	2013	2013	NUM
hassl-4494	38	21	;	;	PUNCT
hassl-4494	38	22	rubens	ruben	NOUN
hassl-4494	38	23	,	,	PUNCT
hassl-4494	38	24	2002	2002	NUM
hassl-4494	38	25	)	)	PUNCT
hassl-4494	38	26	online	online	INTJ
hassl-4494	38	27	.	.	PUNCT
hassl-4494	39	1	on	on	ADP
hassl-4494	39	2	the	the	DET
hassl-4494	39	3	other	other	ADJ
hassl-4494	39	4	hand	hand	NOUN
hassl-4494	39	5	,	,	PUNCT
hassl-4494	39	6	digital	digital	ADJ
hassl-4494	39	7	literacy	literacy	NOUN
hassl-4494	39	8	strongly	strongly	ADV
hassl-4494	39	9	influences	influence	VERB
hassl-4494	39	10	one	one	PRON
hassl-4494	39	11	's	's	PART
hassl-4494	39	12	ability	ability	NOUN
hassl-4494	39	13	to	to	PART
hassl-4494	39	14	access	access	VERB
hassl-4494	39	15	credit	credit	NOUN
hassl-4494	39	16	(	(	PUNCT
hassl-4494	39	17	marini	marini	X
hassl-4494	39	18	,	,	PUNCT
hassl-4494	39	19	hanum	hanum	ADJ
hassl-4494	39	20	,	,	PUNCT
hassl-4494	39	21	&	&	CCONJ
hassl-4494	39	22	sulistiyo	sulistiyo	PROPN
hassl-4494	39	23	,	,	PUNCT
hassl-4494	39	24	2020	2020	NUM
hassl-4494	39	25	;	;	PUNCT
hassl-4494	39	26	servon	servon	PROPN
hassl-4494	39	27	&	&	CCONJ
hassl-4494	39	28	kaestner	kaestner	PROPN
hassl-4494	39	29	,	,	PUNCT
hassl-4494	39	30	2008	2008	NUM
hassl-4494	39	31	)	)	PUNCT
hassl-4494	39	32	.	.	PUNCT
hassl-4494	40	1	entrepreneurs	entrepreneur	NOUN
hassl-4494	40	2	with	with	ADP
hassl-4494	40	3	high	high	ADJ
hassl-4494	40	4	digital	digital	ADJ
hassl-4494	40	5	literacy	literacy	NOUN
hassl-4494	40	6	can	can	AUX
hassl-4494	40	7	more	more	ADV
hassl-4494	40	8	effectively	effectively	ADV
hassl-4494	40	9	understand	understand	VERB
hassl-4494	40	10	,	,	PUNCT
hassl-4494	40	11	operate	operate	VERB
hassl-4494	40	12	,	,	PUNCT
hassl-4494	40	13	and	and	CCONJ
hassl-4494	40	14	develop	develop	VERB
hassl-4494	40	15	digital	digital	NOUN
hassl-4494	40	16	-	-	PUNCT
hassl-4494	40	17	based	base	VERB
hassl-4494	40	18	electronic	electronic	ADJ
hassl-4494	40	19	media	medium	NOUN
hassl-4494	40	20	,	,	PUNCT
hassl-4494	40	21	which	which	PRON
hassl-4494	40	22	is	be	AUX
hassl-4494	40	23	crucial	crucial	ADJ
hassl-4494	40	24	in	in	ADP
hassl-4494	40	25	the	the	DET
hassl-4494	40	26	process	process	NOUN
hassl-4494	40	27	of	of	ADP
hassl-4494	40	28	applying	apply	VERB
hassl-4494	40	29	for	for	ADP
hassl-4494	40	30	and	and	CCONJ
hassl-4494	40	31	managing	manage	VERB
hassl-4494	40	32	credit	credit	NOUN
hassl-4494	40	33	.	.	PUNCT
hassl-4494	41	1	the	the	DET
hassl-4494	41	2	ease	ease	NOUN
hassl-4494	41	3	of	of	ADP
hassl-4494	41	4	access	access	NOUN
hassl-4494	41	5	to	to	ADP
hassl-4494	41	6	credit	credit	NOUN
hassl-4494	41	7	must	must	AUX
hassl-4494	41	8	be	be	AUX
hassl-4494	41	9	balanced	balance	VERB
hassl-4494	41	10	with	with	ADP
hassl-4494	41	11	in	in	ADP
hassl-4494	41	12	-	-	PUNCT
hassl-4494	41	13	depth	depth	NOUN
hassl-4494	41	14	knowledge	knowledge	NOUN
hassl-4494	41	15	of	of	ADP
hassl-4494	41	16	the	the	DET
hassl-4494	41	17	process	process	NOUN
hassl-4494	41	18	of	of	ADP
hassl-4494	41	19	its	its	PRON
hassl-4494	41	20	use	use	NOUN
hassl-4494	41	21	,	,	PUNCT
hassl-4494	41	22	access	access	NOUN
hassl-4494	41	23	,	,	PUNCT
hassl-4494	41	24	and	and	CCONJ
hassl-4494	41	25	budget	budget	NOUN
hassl-4494	41	26	management	management	NOUN
hassl-4494	41	27	.	.	PUNCT
hassl-4494	42	1	with	with	ADP
hassl-4494	42	2	good	good	ADJ
hassl-4494	42	3	digital	digital	ADJ
hassl-4494	42	4	literacy	literacy	NOUN
hassl-4494	42	5	,	,	PUNCT
hassl-4494	42	6	entrepreneurs	entrepreneur	NOUN
hassl-4494	42	7	can	can	AUX
hassl-4494	42	8	make	make	VERB
hassl-4494	42	9	optimal	optimal	ADJ
hassl-4494	42	10	use	use	NOUN
hassl-4494	42	11	of	of	ADP
hassl-4494	42	12	credit	credit	NOUN
hassl-4494	42	13	facilities	facility	NOUN
hassl-4494	42	14	,	,	PUNCT
hassl-4494	42	15	improve	improve	VERB
hassl-4494	42	16	operational	operational	ADJ
hassl-4494	42	17	efficiency	efficiency	NOUN
hassl-4494	42	18	,	,	PUNCT
hassl-4494	42	19	and	and	CCONJ
hassl-4494	42	20	maximize	maximize	VERB
hassl-4494	42	21	the	the	DET
hassl-4494	42	22	growth	growth	NOUN
hassl-4494	42	23	potential	potential	NOUN
hassl-4494	42	24	of	of	ADP
hassl-4494	42	25	their	their	PRON
hassl-4494	42	26	businesses	business	NOUN
hassl-4494	42	27	.	.	PUNCT
hassl-4494	43	1	the	the	DET
hassl-4494	43	2	government	government	NOUN
hassl-4494	43	3	's	's	PART
hassl-4494	43	4	efforts	effort	NOUN
hassl-4494	43	5	in	in	ADP
hassl-4494	43	6	encouraging	encourage	VERB
hassl-4494	43	7	the	the	DET
hassl-4494	43	8	digitalization	digitalization	NOUN
hassl-4494	43	9	of	of	ADP
hassl-4494	43	10	msmes	msme	NOUN
hassl-4494	43	11	aim	aim	VERB
hassl-4494	43	12	to	to	PART
hassl-4494	43	13	increase	increase	VERB
hassl-4494	43	14	access	access	NOUN
hassl-4494	43	15	to	to	ADP
hassl-4494	43	16	financing	financing	NOUN
hassl-4494	43	17	for	for	ADP
hassl-4494	43	18	msmes	msme	NOUN
hassl-4494	43	19	,	,	PUNCT
hassl-4494	43	20	channeled	channel	VERB
hassl-4494	43	21	through	through	ADP
hassl-4494	43	22	financial	financial	ADJ
hassl-4494	43	23	institutions	institution	NOUN
hassl-4494	43	24	with	with	ADP
hassl-4494	43	25	guarantee	guarantee	NOUN
hassl-4494	43	26	patterns	pattern	NOUN
hassl-4494	43	27	such	such	ADJ
hassl-4494	43	28	as	as	ADP
hassl-4494	43	29	micro	micro	ADJ
hassl-4494	43	30	waqf	waqf	ADJ
hassl-4494	43	31	banks	bank	NOUN
hassl-4494	43	32	,	,	PUNCT
hassl-4494	43	33	umkm	umkm	NOUN
hassl-4494	43	34	-	-	PUNCT
hassl-4494	43	35	mu	mu	NOUN
hassl-4494	43	36	,	,	PUNCT
hassl-4494	43	37	and	and	CCONJ
hassl-4494	43	38	securities	security	NOUN
hassl-4494	43	39	crowdfunding	crowdfunding	NOUN
hassl-4494	43	40	.	.	PUNCT
hassl-4494	44	1	digital	digital	ADJ
hassl-4494	44	2	financial	financial	ADJ
hassl-4494	44	3	literacy	literacy	NOUN
hassl-4494	44	4	is	be	AUX
hassl-4494	44	5	a	a	DET
hassl-4494	44	6	service	service	NOUN
hassl-4494	44	7	that	that	PRON
hassl-4494	44	8	can	can	AUX
hassl-4494	44	9	provide	provide	VERB
hassl-4494	44	10	benefits	benefit	NOUN
hassl-4494	44	11	in	in	ADP
hassl-4494	44	12	encouraging	encourage	VERB
hassl-4494	44	13	community	community	NOUN
hassl-4494	44	14	financial	financial	ADJ
hassl-4494	44	15	inclusion	inclusion	NOUN
hassl-4494	44	16	easily	easily	ADV
hassl-4494	44	17	and	and	CCONJ
hassl-4494	44	18	quickly	quickly	ADV
hassl-4494	44	19	.	.	PUNCT
hassl-4494	45	1	thanks	thank	NOUN
hassl-4494	45	2	to	to	ADP
hassl-4494	45	3	access	access	NOUN
hassl-4494	45	4	to	to	ADP
hassl-4494	45	5	digital	digital	ADJ
hassl-4494	45	6	financial	financial	ADJ
hassl-4494	45	7	services	service	NOUN
hassl-4494	45	8	or	or	CCONJ
hassl-4494	45	9	products	product	NOUN
hassl-4494	45	10	,	,	PUNCT
hassl-4494	45	11	either	either	CCONJ
hassl-4494	45	12	through	through	ADP
hassl-4494	45	13	applications	application	NOUN
hassl-4494	45	14	such	such	ADJ
hassl-4494	45	15	as	as	ADP
hassl-4494	45	16	e	e	NOUN
hassl-4494	45	17	-	-	NOUN
hassl-4494	45	18	wallets	wallet	NOUN
hassl-4494	45	19	,	,	PUNCT
hassl-4494	45	20	m	m	NOUN
hassl-4494	45	21	-	-	NOUN
hassl-4494	45	22	banking	banking	NOUN
hassl-4494	45	23	,	,	PUNCT
hassl-4494	45	24	or	or	CCONJ
hassl-4494	45	25	e	e	NOUN
hassl-4494	45	26	-	-	NOUN
hassl-4494	45	27	commerce	commerce	NOUN
hassl-4494	45	28	.	.	PUNCT
hassl-4494	46	1	based	base	VERB
hassl-4494	46	2	on	on	ADP
hassl-4494	46	3	the	the	DET
hassl-4494	46	4	above	above	ADJ
hassl-4494	46	5	studies	study	NOUN
hassl-4494	46	6	,	,	PUNCT
hassl-4494	46	7	researchers	researcher	NOUN
hassl-4494	46	8	are	be	AUX
hassl-4494	46	9	interested	interested	ADJ
hassl-4494	46	10	in	in	ADP
hassl-4494	46	11	developing	develop	VERB
hassl-4494	46	12	studies	study	NOUN
hassl-4494	46	13	and	and	CCONJ
hassl-4494	46	14	research	research	NOUN
hassl-4494	46	15	:	:	PUNCT
hassl-4494	46	16	small	small	ADJ
hassl-4494	46	17	and	and	CCONJ
hassl-4494	46	18	medium	medium	ADJ
hassl-4494	46	19	enterprises	enterprise	NOUN
hassl-4494	46	20	development	development	NOUN
hassl-4494	46	21	model	model	NOUN
hassl-4494	46	22	based	base	VERB
hassl-4494	46	23	on	on	ADP
hassl-4494	46	24	digital	digital	ADJ
hassl-4494	46	25	literacy	literacy	NOUN
hassl-4494	46	26	and	and	CCONJ
hassl-4494	46	27	use	use	NOUN
hassl-4494	46	28	of	of	ADP
hassl-4494	46	29	credit	credit	NOUN
hassl-4494	46	30	facilities	facility	NOUN
hassl-4494	46	31	.	.	PUNCT
hassl-4494	47	1	research	research	NOUN
hassl-4494	47	2	on	on	ADP
hassl-4494	47	3	msmes	msmes	PROPN
hassl-4494	47	4	development	development	NOUN
hassl-4494	47	5	based	base	VERB
hassl-4494	47	6	on	on	ADP
hassl-4494	47	7	digital	digital	ADJ
hassl-4494	47	8	literacy	literacy	NOUN
hassl-4494	47	9	and	and	CCONJ
hassl-4494	47	10	credit	credit	NOUN
hassl-4494	47	11	utilization	utilization	NOUN
hassl-4494	47	12	is	be	AUX
hassl-4494	47	13	important	important	ADJ
hassl-4494	47	14	for	for	ADP
hassl-4494	47	15	several	several	ADJ
hassl-4494	47	16	theoretical	theoretical	ADJ
hassl-4494	47	17	and	and	CCONJ
hassl-4494	47	18	practical	practical	ADJ
hassl-4494	47	19	reasons	reason	NOUN
hassl-4494	47	20	.	.	PUNCT
hassl-4494	48	1	from	from	ADP
hassl-4494	48	2	the	the	DET
hassl-4494	48	3	perspective	perspective	NOUN
hassl-4494	48	4	of	of	ADP
hassl-4494	48	5	theory	theory	NOUN
hassl-4494	48	6	,	,	PUNCT
hassl-4494	48	7	this	this	DET
hassl-4494	48	8	research	research	NOUN
hassl-4494	48	9	can	can	AUX
hassl-4494	48	10	enhance	enhance	VERB
hassl-4494	48	11	arguments	argument	NOUN
hassl-4494	48	12	related	relate	VERB
hassl-4494	48	13	to	to	ADP
hassl-4494	48	14	factors	factor	NOUN
hassl-4494	48	15	that	that	PRON
hassl-4494	48	16	influence	influence	NOUN
hassl-4494	48	17	msmes	msme	VERB
hassl-4494	48	18	development	development	NOUN
hassl-4494	48	19	,	,	PUNCT
hassl-4494	48	20	such	such	ADJ
hassl-4494	48	21	as	as	ADP
hassl-4494	48	22	digital	digital	ADJ
hassl-4494	48	23	literacy	literacy	NOUN
hassl-4494	48	24	and	and	CCONJ
hassl-4494	48	25	credit	credit	NOUN
hassl-4494	48	26	utilization	utilization	NOUN
hassl-4494	48	27	.	.	PUNCT
hassl-4494	49	1	digital	digital	ADJ
hassl-4494	49	2	literacy	literacy	NOUN
hassl-4494	49	3	proposes	propose	VERB
hassl-4494	49	4	that	that	SCONJ
hassl-4494	49	5	business	business	NOUN
hassl-4494	49	6	actors	actor	NOUN
hassl-4494	49	7	with	with	ADP
hassl-4494	49	8	greater	great	ADJ
hassl-4494	49	9	understanding	understanding	NOUN
hassl-4494	49	10	in	in	ADP
hassl-4494	49	11	various	various	ADJ
hassl-4494	49	12	uses	use	NOUN
hassl-4494	49	13	of	of	ADP
hassl-4494	49	14	credit	credit	NOUN
hassl-4494	49	15	can	can	AUX
hassl-4494	49	16	better	well	ADV
hassl-4494	49	17	leverage	leverage	VERB
hassl-4494	49	18	these	these	DET
hassl-4494	49	19	resources	resource	NOUN
hassl-4494	49	20	.	.	PUNCT
hassl-4494	50	1	this	this	DET
hassl-4494	50	2	access	access	NOUN
hassl-4494	50	3	includes	include	VERB
hassl-4494	50	4	learning	learn	VERB
hassl-4494	50	5	lessons	lesson	NOUN
hassl-4494	50	6	for	for	ADP
hassl-4494	50	7	successful	successful	ADJ
hassl-4494	50	8	business	business	NOUN
hassl-4494	50	9	practices	practice	NOUN
hassl-4494	50	10	through	through	ADP
hassl-4494	50	11	various	various	ADJ
hassl-4494	50	12	media	medium	NOUN
hassl-4494	50	13	.	.	PUNCT
hassl-4494	51	1	therefore	therefore	ADV
hassl-4494	51	2	,	,	PUNCT
hassl-4494	51	3	this	this	DET
hassl-4494	51	4	research	research	NOUN
hassl-4494	51	5	is	be	AUX
hassl-4494	51	6	expected	expect	VERB
hassl-4494	51	7	to	to	PART
hassl-4494	51	8	provide	provide	VERB
hassl-4494	51	9	theoretical	theoretical	ADJ
hassl-4494	51	10	references	reference	NOUN
hassl-4494	51	11	in	in	ADP
hassl-4494	51	12	modeling	model	VERB
hassl-4494	51	13	digital	digital	ADJ
hassl-4494	51	14	literacy	literacy	NOUN
hassl-4494	51	15	as	as	ADP
hassl-4494	51	16	an	an	DET
hassl-4494	51	17	application	application	NOUN
hassl-4494	51	18	for	for	ADP
hassl-4494	51	19	business	business	NOUN
hassl-4494	51	20	actors	actor	NOUN
hassl-4494	51	21	in	in	ADP
hassl-4494	51	22	the	the	DET
hassl-4494	51	23	digital	digital	ADJ
hassl-4494	51	24	era	era	NOUN
hassl-4494	51	25	.	.	PUNCT
hassl-4494	52	1	additionally	additionally	ADV
hassl-4494	52	2	,	,	PUNCT
hassl-4494	52	3	this	this	DET
hassl-4494	52	4	research	research	NOUN
hassl-4494	52	5	produces	produce	VERB
hassl-4494	52	6	a	a	DET
hassl-4494	52	7	model	model	NOUN
hassl-4494	52	8	that	that	PRON
hassl-4494	52	9	is	be	AUX
hassl-4494	52	10	tested	test	VERB
hassl-4494	52	11	and	and	CCONJ
hassl-4494	52	12	validated	validate	VERB
hassl-4494	52	13	using	use	VERB
hassl-4494	52	14	a	a	DET
hassl-4494	52	15	structural	structural	ADJ
hassl-4494	52	16	equation	equation	NOUN
hassl-4494	52	17	model	model	NOUN
hassl-4494	52	18	(	(	PUNCT
hassl-4494	52	19	sem	sem	NOUN
hassl-4494	52	20	)	)	PUNCT
hassl-4494	52	21	,	,	PUNCT
hassl-4494	52	22	which	which	PRON
hassl-4494	52	23	can	can	AUX
hassl-4494	52	24	offer	offer	VERB
hassl-4494	52	25	input	input	NOUN
hassl-4494	52	26	for	for	ADP
hassl-4494	52	27	measuring	measure	VERB
hassl-4494	52	28	indicators	indicator	NOUN
hassl-4494	52	29	for	for	ADP
hassl-4494	52	30	each	each	DET
hassl-4494	52	31	variable	variable	ADJ
hassl-4494	52	32	digital	digital	ADJ
hassl-4494	52	33	literacy	literacy	NOUN
hassl-4494	52	34	,	,	PUNCT
hassl-4494	52	35	credit	credit	NOUN
hassl-4494	52	36	access	access	NOUN
hassl-4494	52	37	,	,	PUNCT
hassl-4494	52	38	and	and	CCONJ
hassl-4494	52	39	business	business	NOUN
hassl-4494	52	40	development	development	NOUN
hassl-4494	52	41	that	that	PRON
hassl-4494	52	42	are	be	AUX
hassl-4494	52	43	currently	currently	ADV
hassl-4494	52	44	underdeveloped	underdeveloped	ADJ
hassl-4494	52	45	,	,	PUNCT
hassl-4494	52	46	allowing	allow	VERB
hassl-4494	52	47	for	for	ADP
hassl-4494	52	48	targeted	target	VERB
hassl-4494	52	49	improvements	improvement	NOUN
hassl-4494	52	50	for	for	ADP
hassl-4494	52	51	msmes	msme	NOUN
hassl-4494	52	52	.	.	PUNCT
hassl-4494	53	1	while	while	SCONJ
hassl-4494	53	2	in	in	ADP
hassl-4494	53	3	practical	practical	ADJ
hassl-4494	53	4	matters	matter	NOUN
hassl-4494	53	5	,	,	PUNCT
hassl-4494	53	6	the	the	DET
hassl-4494	53	7	results	result	NOUN
hassl-4494	53	8	of	of	ADP
hassl-4494	53	9	this	this	DET
hassl-4494	53	10	research	research	NOUN
hassl-4494	53	11	offer	offer	VERB
hassl-4494	53	12	empirical	empirical	ADJ
hassl-4494	53	13	insight	insight	NOUN
hassl-4494	53	14	into	into	ADP
hassl-4494	53	15	the	the	DET
hassl-4494	53	16	influence	influence	NOUN
hassl-4494	53	17	of	of	ADP
hassl-4494	53	18	digital	digital	ADJ
hassl-4494	53	19	literacy	literacy	NOUN
hassl-4494	53	20	and	and	CCONJ
hassl-4494	53	21	the	the	DET
hassl-4494	53	22	use	use	NOUN
hassl-4494	53	23	of	of	ADP
hassl-4494	53	24	credit	credit	NOUN
hassl-4494	53	25	facilities	facility	NOUN
hassl-4494	53	26	on	on	ADP
hassl-4494	53	27	msmes	msme	NOUN
hassl-4494	53	28	development	development	NOUN
hassl-4494	53	29	.	.	PUNCT
hassl-4494	54	1	the	the	DET
hassl-4494	54	2	results	result	NOUN
hassl-4494	54	3	will	will	AUX
hassl-4494	54	4	contribute	contribute	VERB
hassl-4494	54	5	to	to	ADP
hassl-4494	54	6	the	the	DET
hassl-4494	54	7	understanding	understanding	NOUN
hassl-4494	54	8	that	that	SCONJ
hassl-4494	54	9	the	the	DET
hassl-4494	54	10	use	use	NOUN
hassl-4494	54	11	of	of	ADP
hassl-4494	54	12	credit	credit	NOUN
hassl-4494	54	13	facilities	facility	NOUN
hassl-4494	54	14	can	can	AUX
hassl-4494	54	15	raise	raise	VERB
hassl-4494	54	16	msme	msme	NOUN
hassl-4494	54	17	growth	growth	NOUN
hassl-4494	54	18	.	.	PUNCT
hassl-4494	55	1	it	it	PRON
hassl-4494	55	2	will	will	AUX
hassl-4494	55	3	provide	provide	VERB
hassl-4494	55	4	knowledge	knowledge	NOUN
hassl-4494	55	5	-	-	PUNCT
hassl-4494	55	6	based	base	VERB
hassl-4494	55	7	guidance	guidance	NOUN
hassl-4494	55	8	for	for	ADP
hassl-4494	55	9	msmes	msme	NOUN
hassl-4494	55	10	to	to	PART
hassl-4494	55	11	identify	identify	VERB
hassl-4494	55	12	areas	area	NOUN
hassl-4494	55	13	that	that	PRON
hassl-4494	55	14	need	need	VERB
hassl-4494	55	15	improvement	improvement	NOUN
hassl-4494	55	16	,	,	PUNCT
hassl-4494	55	17	such	such	ADJ
hassl-4494	55	18	as	as	ADP
hassl-4494	55	19	digital	digital	ADJ
hassl-4494	55	20	literacy	literacy	NOUN
hassl-4494	55	21	analysis	analysis	NOUN
hassl-4494	55	22	and	and	CCONJ
hassl-4494	55	23	credit	credit	NOUN
hassl-4494	55	24	utilization	utilization	NOUN
hassl-4494	55	25	strategies	strategy	NOUN
hassl-4494	55	26	.	.	PUNCT
hassl-4494	56	1	credit	credit	NOUN
hassl-4494	56	2	access	access	NOUN
hassl-4494	56	3	through	through	ADP
hassl-4494	56	4	digital	digital	ADJ
hassl-4494	56	5	media	medium	NOUN
hassl-4494	56	6	as	as	ADP
hassl-4494	56	7	a	a	DET
hassl-4494	56	8	best	good	ADJ
hassl-4494	56	9	practice	practice	NOUN
hassl-4494	56	10	is	be	AUX
hassl-4494	56	11	expected	expect	VERB
hassl-4494	56	12	to	to	PART
hassl-4494	56	13	be	be	AUX
hassl-4494	56	14	a	a	DET
hassl-4494	56	15	finding	finding	NOUN
hassl-4494	56	16	of	of	ADP
hassl-4494	56	17	this	this	DET
hassl-4494	56	18	research	research	NOUN
hassl-4494	56	19	.	.	PUNCT
hassl-4494	57	1	this	this	PRON
hassl-4494	57	2	will	will	AUX
hassl-4494	57	3	indicate	indicate	VERB
hassl-4494	57	4	that	that	SCONJ
hassl-4494	57	5	high	high	ADJ
hassl-4494	57	6	digital	digital	ADJ
hassl-4494	57	7	literacy	literacy	NOUN
hassl-4494	57	8	will	will	AUX
hassl-4494	57	9	increase	increase	VERB
hassl-4494	57	10	access	access	NOUN
hassl-4494	57	11	and	and	CCONJ
hassl-4494	57	12	utilization	utilization	NOUN
hassl-4494	57	13	of	of	ADP
hassl-4494	57	14	credit	credit	NOUN
hassl-4494	57	15	.	.	PUNCT
hassl-4494	58	1	lastly	lastly	ADV
hassl-4494	58	2	,	,	PUNCT
hassl-4494	58	3	this	this	DET
hassl-4494	58	4	research	research	NOUN
hassl-4494	58	5	fills	fill	VERB
hassl-4494	58	6	the	the	DET
hassl-4494	58	7	gap	gap	NOUN
hassl-4494	58	8	that	that	DET
hassl-4494	58	9	literacy	literacy	NOUN
hassl-4494	58	10	is	be	AUX
hassl-4494	58	11	important	important	ADJ
hassl-4494	58	12	for	for	ADP
hassl-4494	58	13	financial	financial	ADJ
hassl-4494	58	14	management	management	NOUN
hassl-4494	58	15	,	,	PUNCT
hassl-4494	58	16	especially	especially	ADV
hassl-4494	58	17	digital	digital	ADJ
hassl-4494	58	18	access	access	NOUN
hassl-4494	58	19	capabilities	capability	NOUN
hassl-4494	58	20	(	(	PUNCT
hassl-4494	58	21	kumar	kumar	PROPN
hassl-4494	58	22	,	,	PUNCT
hassl-4494	58	23	pillai	pillai	PROPN
hassl-4494	58	24	,	,	PUNCT
hassl-4494	58	25	kumar	kumar	PROPN
hassl-4494	58	26	,	,	PUNCT
hassl-4494	58	27	&	&	CCONJ
hassl-4494	58	28	tabash	tabash	NOUN
hassl-4494	58	29	,	,	PUNCT
hassl-4494	58	30	2023	2023	NUM
hassl-4494	58	31	)	)	PUNCT
hassl-4494	58	32	.	.	PUNCT
hassl-4494	59	1	however	however	ADV
hassl-4494	59	2	,	,	PUNCT
hassl-4494	59	3	entrepreneur	entrepreneur	NOUN
hassl-4494	59	4	literacy	literacy	NOUN
hassl-4494	59	5	is	be	AUX
hassl-4494	59	6	diverse	diverse	ADJ
hassl-4494	59	7	,	,	PUNCT
hassl-4494	59	8	such	such	ADJ
hassl-4494	59	9	as	as	ADP
hassl-4494	59	10	industry	industry	NOUN
hassl-4494	59	11	4.0	4.0	NUM
hassl-4494	59	12	literacy	literacy	NOUN
hassl-4494	59	13	(	(	PUNCT
hassl-4494	59	14	suparno	suparno	ADV
hassl-4494	59	15	,	,	PUNCT
hassl-4494	59	16	purwana	purwana	PROPN
hassl-4494	59	17	,	,	PUNCT
hassl-4494	59	18	wibowo	wibowo	PROPN
hassl-4494	59	19	,	,	PUNCT
hassl-4494	59	20	&	&	CCONJ
hassl-4494	59	21	narmaditya	narmaditya	PROPN
hassl-4494	59	22	,	,	PUNCT
hassl-4494	59	23	2023	2023	NUM
hassl-4494	59	24	)	)	PUNCT
hassl-4494	59	25	,	,	PUNCT
hassl-4494	59	26	sme	sme	ADJ
hassl-4494	59	27	financial	financial	ADJ
hassl-4494	59	28	literacy	literacy	NOUN
hassl-4494	59	29	(	(	PUNCT
hassl-4494	59	30	sulistianingsih	sulistianingsih	NOUN
hassl-4494	59	31	&	&	CCONJ
hassl-4494	59	32	santi	santi	PROPN
hassl-4494	59	33	,	,	PUNCT
hassl-4494	59	34	2023	2023	NUM
hassl-4494	59	35	)	)	PUNCT
hassl-4494	59	36	even	even	ADV
hassl-4494	59	37	credit	credit	NOUN
hassl-4494	59	38	literacy	literacy	NOUN
hassl-4494	59	39	(	(	PUNCT
hassl-4494	59	40	courchane	courchane	PROPN
hassl-4494	59	41	,	,	PUNCT
hassl-4494	59	42	gailey	gailey	NOUN
hassl-4494	59	43	,	,	PUNCT
hassl-4494	59	44	&	&	CCONJ
hassl-4494	59	45	zorn	zorn	PROPN
hassl-4494	59	46	,	,	PUNCT
hassl-4494	59	47	2008	2008	NUM
hassl-4494	59	48	)	)	PUNCT
hassl-4494	59	49	.	.	PUNCT
hassl-4494	60	1	the	the	DET
hassl-4494	60	2	influence	influence	NOUN
hassl-4494	60	3	of	of	ADP
hassl-4494	60	4	digital	digital	ADJ
hassl-4494	60	5	literacy	literacy	NOUN
hassl-4494	60	6	on	on	ADP
hassl-4494	60	7	business	business	NOUN
hassl-4494	60	8	development	development	NOUN
hassl-4494	60	9	has	have	VERB
hassl-4494	60	10	humanities	humanity	NOUN
hassl-4494	60	11	and	and	CCONJ
hassl-4494	60	12	social	social	ADJ
hassl-4494	60	13	sciences	science	NOUN
hassl-4494	60	14	letters	letter	NOUN
hassl-4494	60	15	,	,	PUNCT
hassl-4494	60	16	2025	2025	NUM
hassl-4494	60	17	,	,	PUNCT
hassl-4494	60	18	13(4	13(4	NUM
hassl-4494	60	19	):	):	PUNCT
hassl-4494	60	20	1287	1287	NUM
hassl-4494	60	21	-	-	SYM
hassl-4494	60	22	1303	1303	NUM
hassl-4494	60	23	1289	1289	NUM
hassl-4494	60	24	©	©	PROPN
hassl-4494	60	25	2025	2025	NUM
hassl-4494	60	26	conscientia	conscientia	PROPN
hassl-4494	60	27	beam	beam	PROPN
hassl-4494	60	28	.	.	PUNCT
hassl-4494	61	1	all	all	DET
hassl-4494	61	2	rights	right	NOUN
hassl-4494	61	3	reserved	reserve	VERB
hassl-4494	61	4	.	.	PUNCT
hassl-4494	61	5	been	be	AUX
hassl-4494	61	6	studied	study	VERB
hassl-4494	61	7	as	as	ADP
hassl-4494	61	8	having	have	VERB
hassl-4494	61	9	a	a	DET
hassl-4494	61	10	significant	significant	ADJ
hassl-4494	61	11	direct	direct	ADJ
hassl-4494	61	12	effect	effect	NOUN
hassl-4494	61	13	.	.	PUNCT
hassl-4494	62	1	however	however	ADV
hassl-4494	62	2	,	,	PUNCT
hassl-4494	62	3	to	to	PART
hassl-4494	62	4	answer	answer	VERB
hassl-4494	62	5	how	how	SCONJ
hassl-4494	62	6	the	the	DET
hassl-4494	62	7	process	process	NOUN
hassl-4494	62	8	works	work	VERB
hassl-4494	62	9	,	,	PUNCT
hassl-4494	62	10	it	it	PRON
hassl-4494	62	11	is	be	AUX
hassl-4494	62	12	suspected	suspect	VERB
hassl-4494	62	13	that	that	SCONJ
hassl-4494	62	14	mediation	mediation	NOUN
hassl-4494	62	15	skills	skill	NOUN
hassl-4494	62	16	,	,	PUNCT
hassl-4494	62	17	creativity	creativity	NOUN
hassl-4494	62	18	,	,	PUNCT
hassl-4494	62	19	attitude	attitude	NOUN
hassl-4494	62	20	,	,	PUNCT
hassl-4494	62	21	and	and	CCONJ
hassl-4494	62	22	even	even	ADV
hassl-4494	62	23	just	just	ADV
hassl-4494	62	24	intention	intention	NOUN
hassl-4494	62	25	(	(	PUNCT
hassl-4494	62	26	asriati	asriati	PROPN
hassl-4494	62	27	,	,	PUNCT
hassl-4494	62	28	syamsuri	syamsuri	PROPN
hassl-4494	62	29	,	,	PUNCT
hassl-4494	62	30	thoharudin	thoharudin	NOUN
hassl-4494	62	31	,	,	PUNCT
hassl-4494	62	32	wardani	wardani	ADJ
hassl-4494	62	33	,	,	PUNCT
hassl-4494	62	34	&	&	CCONJ
hassl-4494	62	35	kusuma	kusuma	PROPN
hassl-4494	62	36	putra	putra	PROPN
hassl-4494	62	37	,	,	PUNCT
hassl-4494	62	38	2022	2022	NUM
hassl-4494	62	39	)	)	PUNCT
hassl-4494	62	40	.	.	PUNCT
hassl-4494	63	1	2	2	X
hassl-4494	63	2	.	.	X
hassl-4494	63	3	literature	literature	NOUN
hassl-4494	63	4	review	review	PROPN
hassl-4494	63	5	business	business	NOUN
hassl-4494	63	6	development	development	NOUN
hassl-4494	63	7	in	in	ADP
hassl-4494	63	8	the	the	DET
hassl-4494	63	9	digital	digital	ADJ
hassl-4494	63	10	era	era	NOUN
hassl-4494	63	11	has	have	AUX
hassl-4494	63	12	become	become	VERB
hassl-4494	63	13	a	a	DET
hassl-4494	63	14	popular	popular	ADJ
hassl-4494	63	15	study	study	NOUN
hassl-4494	63	16	in	in	ADP
hassl-4494	63	17	the	the	DET
hassl-4494	63	18	industry	industry	NOUN
hassl-4494	63	19	4.0	4.0	NUM
hassl-4494	63	20	era	era	NOUN
hassl-4494	63	21	.	.	PUNCT
hassl-4494	64	1	researchers	researcher	NOUN
hassl-4494	64	2	examine	examine	VERB
hassl-4494	64	3	the	the	DET
hassl-4494	64	4	main	main	ADJ
hassl-4494	64	5	literature	literature	NOUN
hassl-4494	64	6	on	on	ADP
hassl-4494	64	7	how	how	SCONJ
hassl-4494	64	8	business	business	NOUN
hassl-4494	64	9	can	can	AUX
hassl-4494	64	10	be	be	AUX
hassl-4494	64	11	developed	develop	VERB
hassl-4494	64	12	as	as	ADP
hassl-4494	64	13	a	a	DET
hassl-4494	64	14	theory	theory	NOUN
hassl-4494	64	15	(	(	PUNCT
hassl-4494	64	16	romanenko	romanenko	PROPN
hassl-4494	64	17	&	&	CCONJ
hassl-4494	64	18	rakhuba	rakhuba	PROPN
hassl-4494	64	19	,	,	PUNCT
hassl-4494	64	20	2019	2019	NUM
hassl-4494	64	21	)	)	PUNCT
hassl-4494	64	22	to	to	PART
hassl-4494	64	23	support	support	VERB
hassl-4494	64	24	and	and	CCONJ
hassl-4494	64	25	develop	develop	VERB
hassl-4494	64	26	sme	sme	NOUN
hassl-4494	64	27	businesses	business	NOUN
hassl-4494	64	28	to	to	PART
hassl-4494	64	29	become	become	VERB
hassl-4494	64	30	successful	successful	ADJ
hassl-4494	64	31	(	(	PUNCT
hassl-4494	64	32	friedman	friedman	PROPN
hassl-4494	64	33	,	,	PUNCT
hassl-4494	64	34	miles	mile	NOUN
hassl-4494	64	35	,	,	PUNCT
hassl-4494	64	36	&	&	CCONJ
hassl-4494	64	37	adams	adams	PROPN
hassl-4494	64	38	,	,	PUNCT
hassl-4494	64	39	2000	2000	NUM
hassl-4494	64	40	;	;	PUNCT
hassl-4494	64	41	hong	hong	PROPN
hassl-4494	64	42	&	&	CCONJ
hassl-4494	64	43	sullivan	sullivan	PROPN
hassl-4494	64	44	,	,	PUNCT
hassl-4494	64	45	2009	2009	NUM
hassl-4494	64	46	;	;	PUNCT
hassl-4494	64	47	ligthelm	ligthelm	NOUN
hassl-4494	64	48	,	,	PUNCT
hassl-4494	64	49	2008	2008	NUM
hassl-4494	64	50	;	;	PUNCT
hassl-4494	64	51	romanenko	romanenko	PROPN
hassl-4494	64	52	&	&	CCONJ
hassl-4494	64	53	rakhuba	rakhuba	PROPN
hassl-4494	64	54	,	,	PUNCT
hassl-4494	64	55	2019	2019	NUM
hassl-4494	64	56	)	)	PUNCT
hassl-4494	64	57	.	.	PUNCT
hassl-4494	65	1	small	small	ADJ
hassl-4494	65	2	business	business	NOUN
hassl-4494	65	3	development	development	NOUN
hassl-4494	65	4	is	be	AUX
hassl-4494	65	5	an	an	DET
hassl-4494	65	6	innovative	innovative	ADJ
hassl-4494	65	7	economy	economy	NOUN
hassl-4494	65	8	(	(	PUNCT
hassl-4494	65	9	bibarsov	bibarsov	PROPN
hassl-4494	65	10	,	,	PUNCT
hassl-4494	65	11	kretova	kretova	PROPN
hassl-4494	65	12	,	,	PUNCT
hassl-4494	65	13	&	&	CCONJ
hassl-4494	65	14	popova	popova	PROPN
hassl-4494	65	15	,	,	PUNCT
hassl-4494	65	16	2017	2017	NUM
hassl-4494	65	17	)	)	PUNCT
hassl-4494	65	18	,	,	PUNCT
hassl-4494	65	19	that	that	SCONJ
hassl-4494	65	20	business	business	NOUN
hassl-4494	65	21	development	development	NOUN
hassl-4494	65	22	is	be	AUX
hassl-4494	65	23	the	the	DET
hassl-4494	65	24	process	process	NOUN
hassl-4494	65	25	of	of	ADP
hassl-4494	65	26	developing	develop	VERB
hassl-4494	65	27	a	a	DET
hassl-4494	65	28	business	business	NOUN
hassl-4494	65	29	towards	towards	ADP
hassl-4494	65	30	success	success	NOUN
hassl-4494	65	31	,	,	PUNCT
hassl-4494	65	32	is	be	AUX
hassl-4494	65	33	an	an	DET
hassl-4494	65	34	innovative	innovative	ADJ
hassl-4494	65	35	economic	economic	ADJ
hassl-4494	65	36	endeavor	endeavor	NOUN
hassl-4494	65	37	(	(	PUNCT
hassl-4494	65	38	bibarsov	bibarsov	NOUN
hassl-4494	65	39	et	et	PROPN
hassl-4494	65	40	al	al	PROPN
hassl-4494	65	41	.	.	PROPN
hassl-4494	65	42	,	,	PUNCT
hassl-4494	65	43	2017	2017	NUM
hassl-4494	65	44	;	;	PUNCT
hassl-4494	65	45	leyden	leyden	PROPN
hassl-4494	65	46	,	,	PUNCT
hassl-4494	65	47	2016	2016	NUM
hassl-4494	65	48	)	)	PUNCT
hassl-4494	65	49	.	.	PUNCT
hassl-4494	66	1	business	business	NOUN
hassl-4494	66	2	theories	theory	NOUN
hassl-4494	66	3	and	and	CCONJ
hassl-4494	66	4	models	model	NOUN
hassl-4494	66	5	as	as	ADP
hassl-4494	66	6	frameworks	framework	NOUN
hassl-4494	66	7	that	that	PRON
hassl-4494	66	8	help	help	VERB
hassl-4494	66	9	in	in	ADP
hassl-4494	66	10	understanding	understanding	NOUN
hassl-4494	66	11	,	,	PUNCT
hassl-4494	66	12	analyzing	analyze	VERB
hassl-4494	66	13	,	,	PUNCT
hassl-4494	66	14	and	and	CCONJ
hassl-4494	66	15	improving	improve	VERB
hassl-4494	66	16	business	business	NOUN
hassl-4494	66	17	performance	performance	NOUN
hassl-4494	66	18	(	(	PUNCT
hassl-4494	66	19	jamali	jamali	PROPN
hassl-4494	66	20	,	,	PUNCT
hassl-4494	66	21	2008	2008	NUM
hassl-4494	66	22	)	)	PUNCT
hassl-4494	66	23	.	.	PUNCT
hassl-4494	67	1	it	it	PRON
hassl-4494	67	2	helps	help	VERB
hassl-4494	67	3	us	we	PRON
hassl-4494	67	4	to	to	PART
hassl-4494	67	5	communicate	communicate	VERB
hassl-4494	67	6	vision	vision	NOUN
hassl-4494	67	7	(	(	PUNCT
hassl-4494	67	8	maignan	maignan	PROPN
hassl-4494	67	9	,	,	PUNCT
hassl-4494	67	10	ferrell	ferrell	PROPN
hassl-4494	67	11	,	,	PUNCT
hassl-4494	67	12	&	&	CCONJ
hassl-4494	67	13	ferrell	ferrell	PROPN
hassl-4494	67	14	,	,	PUNCT
hassl-4494	67	15	2005	2005	NUM
hassl-4494	67	16	)	)	PUNCT
hassl-4494	67	17	,	,	PUNCT
hassl-4494	67	18	strategy	strategy	NOUN
hassl-4494	67	19	and	and	CCONJ
hassl-4494	67	20	goals	goal	NOUN
hassl-4494	67	21	provide	provide	VERB
hassl-4494	67	22	information	information	NOUN
hassl-4494	67	23	to	to	ADP
hassl-4494	67	24	users	user	NOUN
hassl-4494	67	25	in	in	ADP
hassl-4494	67	26	decision	decision	NOUN
hassl-4494	67	27	-	-	PUNCT
hassl-4494	67	28	making	making	NOUN
hassl-4494	67	29	,	,	PUNCT
hassl-4494	67	30	including	include	VERB
hassl-4494	67	31	employees	employee	NOUN
hassl-4494	67	32	and	and	CCONJ
hassl-4494	67	33	customers	customer	NOUN
hassl-4494	67	34	(	(	PUNCT
hassl-4494	67	35	al	al	PROPN
hassl-4494	67	36	-	-	PUNCT
hassl-4494	67	37	debei	debei	PROPN
hassl-4494	67	38	&	&	CCONJ
hassl-4494	67	39	avison	avison	PROPN
hassl-4494	67	40	,	,	PUNCT
hassl-4494	67	41	2010	2010	NUM
hassl-4494	67	42	;	;	PUNCT
hassl-4494	67	43	mayfield	mayfield	PROPN
hassl-4494	67	44	,	,	PUNCT
hassl-4494	67	45	mayfield	mayfield	PROPN
hassl-4494	67	46	,	,	PUNCT
hassl-4494	67	47	&	&	CCONJ
hassl-4494	67	48	sharbrough	sharbrough	PROPN
hassl-4494	67	49	iii	iii	PROPN
hassl-4494	67	50	,	,	PUNCT
hassl-4494	67	51	2015	2015	NUM
hassl-4494	67	52	;	;	PUNCT
hassl-4494	67	53	wongrassamee	wongrassamee	X
hassl-4494	67	54	,	,	PUNCT
hassl-4494	67	55	simmons	simmon	NOUN
hassl-4494	67	56	,	,	PUNCT
hassl-4494	67	57	&	&	CCONJ
hassl-4494	67	58	gardiner	gardiner	PROPN
hassl-4494	67	59	,	,	PUNCT
hassl-4494	67	60	2003	2003	NUM
hassl-4494	67	61	)	)	PUNCT
hassl-4494	67	62	.	.	PUNCT
hassl-4494	68	1	drucker	drucker	NOUN
hassl-4494	68	2	and	and	CCONJ
hassl-4494	68	3	sloan	sloan	PROPN
hassl-4494	68	4	(	(	PUNCT
hassl-4494	68	5	1994	1994	NUM
hassl-4494	68	6	)	)	PUNCT
hassl-4494	68	7	in	in	ADP
hassl-4494	68	8	'	'	PUNCT
hassl-4494	68	9	critical	critical	ADJ
hassl-4494	68	10	evaluations	evaluation	NOUN
hassl-4494	68	11	in	in	ADP
hassl-4494	68	12	business	business	NOUN
hassl-4494	68	13	'	'	PART
hassl-4494	68	14	state	state	NOUN
hassl-4494	68	15	that	that	SCONJ
hassl-4494	68	16	business	business	NOUN
hassl-4494	68	17	development	development	NOUN
hassl-4494	68	18	belongs	belong	VERB
hassl-4494	68	19	to	to	ADP
hassl-4494	68	20	the	the	DET
hassl-4494	68	21	finance	finance	NOUN
hassl-4494	68	22	and	and	CCONJ
hassl-4494	68	23	industry	industry	NOUN
hassl-4494	68	24	of	of	ADP
hassl-4494	68	25	urban	urban	ADJ
hassl-4494	68	26	communities	community	NOUN
hassl-4494	68	27	(	(	PUNCT
hassl-4494	68	28	datta	datta	NOUN
hassl-4494	68	29	,	,	PUNCT
hassl-4494	68	30	2021	2021	NUM
hassl-4494	68	31	;	;	PUNCT
hassl-4494	68	32	wagner	wagner	NOUN
hassl-4494	68	33	-	-	PUNCT
hassl-4494	68	34	tsukamoto	tsukamoto	NOUN
hassl-4494	68	35	,	,	PUNCT
hassl-4494	68	36	2024	2024	NUM
hassl-4494	68	37	)	)	PUNCT
hassl-4494	68	38	.	.	PUNCT
hassl-4494	69	1	business	business	NOUN
hassl-4494	69	2	theory	theory	NOUN
hassl-4494	69	3	can	can	AUX
hassl-4494	69	4	be	be	AUX
hassl-4494	69	5	used	use	VERB
hassl-4494	69	6	to	to	PART
hassl-4494	69	7	describe	describe	VERB
hassl-4494	69	8	markets	market	NOUN
hassl-4494	69	9	,	,	PUNCT
hassl-4494	69	10	competition	competition	NOUN
hassl-4494	69	11	,	,	PUNCT
hassl-4494	69	12	innovation	innovation	NOUN
hassl-4494	69	13	,	,	PUNCT
hassl-4494	69	14	and	and	CCONJ
hassl-4494	69	15	organizational	organizational	ADJ
hassl-4494	69	16	culture	culture	NOUN
hassl-4494	69	17	(	(	PUNCT
hassl-4494	69	18	hogan	hogan	PROPN
hassl-4494	69	19	&	&	CCONJ
hassl-4494	69	20	coote	coote	PROPN
hassl-4494	69	21	,	,	PUNCT
hassl-4494	69	22	2014	2014	NUM
hassl-4494	69	23	;	;	PUNCT
hassl-4494	69	24	linnenluecke	linnenluecke	PROPN
hassl-4494	69	25	&	&	CCONJ
hassl-4494	69	26	griffiths	griffiths	PROPN
hassl-4494	69	27	,	,	PUNCT
hassl-4494	69	28	2010	2010	NUM
hassl-4494	69	29	)	)	PUNCT
hassl-4494	69	30	.	.	PUNCT
hassl-4494	70	1	in	in	ADP
hassl-4494	70	2	an	an	DET
hassl-4494	70	3	attempt	attempt	NOUN
hassl-4494	70	4	to	to	PART
hassl-4494	70	5	create	create	VERB
hassl-4494	70	6	a	a	DET
hassl-4494	70	7	grand	grand	ADJ
hassl-4494	70	8	theory	theory	NOUN
hassl-4494	70	9	of	of	ADP
hassl-4494	70	10	business	business	NOUN
hassl-4494	70	11	development	development	NOUN
hassl-4494	70	12	,	,	PUNCT
hassl-4494	70	13	business	business	NOUN
hassl-4494	70	14	development	development	NOUN
hassl-4494	70	15	is	be	AUX
hassl-4494	70	16	defined	define	VERB
hassl-4494	70	17	as	as	ADP
hassl-4494	70	18	the	the	DET
hassl-4494	70	19	creation	creation	NOUN
hassl-4494	70	20	of	of	ADP
hassl-4494	70	21	long	long	ADJ
hassl-4494	70	22	-	-	PUNCT
hassl-4494	70	23	term	term	NOUN
hassl-4494	70	24	value	value	NOUN
hassl-4494	70	25	for	for	ADP
hassl-4494	70	26	an	an	DET
hassl-4494	70	27	organization	organization	NOUN
hassl-4494	70	28	through	through	ADP
hassl-4494	70	29	customers	customer	NOUN
hassl-4494	70	30	,	,	PUNCT
hassl-4494	70	31	markets	market	NOUN
hassl-4494	70	32	,	,	PUNCT
hassl-4494	70	33	and	and	CCONJ
hassl-4494	70	34	relationships	relationship	NOUN
hassl-4494	70	35	(	(	PUNCT
hassl-4494	70	36	loesche	loesche	NOUN
hassl-4494	70	37	&	&	CCONJ
hassl-4494	70	38	torre	torre	PROPN
hassl-4494	70	39	,	,	PUNCT
hassl-4494	70	40	2020	2020	NUM
hassl-4494	70	41	;	;	PUNCT
hassl-4494	70	42	mattera	mattera	NOUN
hassl-4494	70	43	,	,	PUNCT
hassl-4494	70	44	alba	alba	PROPN
hassl-4494	70	45	ruiz	ruiz	NOUN
hassl-4494	70	46	-	-	PUNCT
hassl-4494	70	47	morales	morale	NOUN
hassl-4494	70	48	,	,	PUNCT
hassl-4494	70	49	gava	gava	NOUN
hassl-4494	70	50	,	,	PUNCT
hassl-4494	70	51	&	&	CCONJ
hassl-4494	70	52	soto	soto	PROPN
hassl-4494	70	53	,	,	PUNCT
hassl-4494	70	54	2022	2022	NUM
hassl-4494	70	55	;	;	PUNCT
hassl-4494	70	56	pacheco	pacheco	PROPN
hassl-4494	70	57	,	,	PUNCT
hassl-4494	70	58	dean	dean	PROPN
hassl-4494	70	59	,	,	PUNCT
hassl-4494	70	60	&	&	CCONJ
hassl-4494	70	61	payne	payne	PROPN
hassl-4494	70	62	,	,	PUNCT
hassl-4494	70	63	2010	2010	NUM
hassl-4494	70	64	)	)	PUNCT
hassl-4494	70	65	.	.	PUNCT
hassl-4494	71	1	business	business	NOUN
hassl-4494	71	2	development	development	NOUN
hassl-4494	71	3	is	be	AUX
hassl-4494	71	4	an	an	DET
hassl-4494	71	5	activity	activity	NOUN
hassl-4494	71	6	that	that	PRON
hassl-4494	71	7	provides	provide	VERB
hassl-4494	71	8	goods	good	NOUN
hassl-4494	71	9	or	or	CCONJ
hassl-4494	71	10	services	service	NOUN
hassl-4494	71	11	needed	need	VERB
hassl-4494	71	12	by	by	ADP
hassl-4494	71	13	consumers	consumer	NOUN
hassl-4494	71	14	while	while	SCONJ
hassl-4494	71	15	making	make	VERB
hassl-4494	71	16	a	a	DET
hassl-4494	71	17	profit	profit	NOUN
hassl-4494	71	18	.	.	PUNCT
hassl-4494	72	1	2.1	2.1	NUM
hassl-4494	72	2	.	.	PUNCT
hassl-4494	73	1	smes	smes	PROPN
hassl-4494	73	2	development	development	PROPN
hassl-4494	73	3	small	small	ADJ
hassl-4494	73	4	and	and	CCONJ
hassl-4494	73	5	medium	medium	ADJ
hassl-4494	73	6	enterprises	enterprise	NOUN
hassl-4494	73	7	(	(	PUNCT
hassl-4494	73	8	smes	sme	NOUN
hassl-4494	73	9	)	)	PUNCT
hassl-4494	73	10	are	be	AUX
hassl-4494	73	11	a	a	DET
hassl-4494	73	12	form	form	NOUN
hassl-4494	73	13	of	of	ADP
hassl-4494	73	14	business	business	NOUN
hassl-4494	73	15	that	that	PRON
hassl-4494	73	16	is	be	AUX
hassl-4494	73	17	recognized	recognize	VERB
hassl-4494	73	18	on	on	ADP
hassl-4494	73	19	a	a	DET
hassl-4494	73	20	scale	scale	NOUN
hassl-4494	73	21	ranging	range	VERB
hassl-4494	73	22	from	from	ADP
hassl-4494	73	23	homebased	homebased	ADJ
hassl-4494	73	24	businesses	business	NOUN
hassl-4494	73	25	to	to	ADP
hassl-4494	73	26	small	small	ADJ
hassl-4494	73	27	businesses	business	NOUN
hassl-4494	73	28	.	.	PUNCT
hassl-4494	74	1	small	small	ADJ
hassl-4494	74	2	businesses	business	NOUN
hassl-4494	74	3	typically	typically	ADV
hassl-4494	74	4	have	have	VERB
hassl-4494	74	5	1	1	NUM
hassl-4494	74	6	-	-	SYM
hassl-4494	74	7	19	19	NUM
hassl-4494	74	8	employees	employee	NOUN
hassl-4494	74	9	and	and	CCONJ
hassl-4494	74	10	a	a	DET
hassl-4494	74	11	net	net	ADJ
hassl-4494	74	12	worth	worth	ADJ
hassl-4494	74	13	exceeding	exceed	VERB
hassl-4494	74	14	idr	idr	PROPN
hassl-4494	74	15	500,000,000	500,000,000	NUM
hassl-4494	74	16	,	,	PUNCT
hassl-4494	74	17	not	not	PART
hassl-4494	74	18	including	include	VERB
hassl-4494	74	19	land	land	NOUN
hassl-4494	74	20	and	and	CCONJ
hassl-4494	74	21	buildings	building	NOUN
hassl-4494	74	22	used	use	VERB
hassl-4494	74	23	by	by	ADP
hassl-4494	74	24	the	the	DET
hassl-4494	74	25	company	company	NOUN
hassl-4494	74	26	(	(	PUNCT
hassl-4494	74	27	udayana	udayana	PROPN
hassl-4494	74	28	,	,	PUNCT
hassl-4494	74	29	farida	farida	PROPN
hassl-4494	74	30	,	,	PUNCT
hassl-4494	74	31	lukitaningsih	lukitaningsih	ADJ
hassl-4494	74	32	,	,	PUNCT
hassl-4494	74	33	tjahjono	tjahjono	ADJ
hassl-4494	74	34	,	,	PUNCT
hassl-4494	74	35	&	&	CCONJ
hassl-4494	74	36	nuryakin	nuryakin	PROPN
hassl-4494	74	37	,	,	PUNCT
hassl-4494	74	38	2021	2021	NUM
hassl-4494	74	39	)	)	PUNCT
hassl-4494	74	40	.	.	PUNCT
hassl-4494	75	1	the	the	DET
hassl-4494	75	2	development	development	NOUN
hassl-4494	75	3	of	of	ADP
hassl-4494	75	4	smes	sme	NOUN
hassl-4494	75	5	is	be	AUX
hassl-4494	75	6	not	not	PART
hassl-4494	75	7	related	relate	VERB
hassl-4494	75	8	to	to	ADP
hassl-4494	75	9	increasing	increase	VERB
hassl-4494	75	10	production	production	NOUN
hassl-4494	75	11	,	,	PUNCT
hassl-4494	75	12	expanding	expand	VERB
hassl-4494	75	13	business	business	NOUN
hassl-4494	75	14	units	unit	NOUN
hassl-4494	75	15	,	,	PUNCT
hassl-4494	75	16	enhancing	enhance	VERB
hassl-4494	75	17	sales	sale	NOUN
hassl-4494	75	18	,	,	PUNCT
hassl-4494	75	19	or	or	CCONJ
hassl-4494	75	20	achieving	achieve	VERB
hassl-4494	75	21	profit	profit	NOUN
hassl-4494	75	22	targets	target	NOUN
hassl-4494	75	23	.	.	PUNCT
hassl-4494	76	1	the	the	DET
hassl-4494	76	2	key	key	ADJ
hassl-4494	76	3	points	point	NOUN
hassl-4494	76	4	are	be	AUX
hassl-4494	76	5	increasing	increase	VERB
hassl-4494	76	6	production	production	NOUN
hassl-4494	76	7	,	,	PUNCT
hassl-4494	76	8	developing	develop	VERB
hassl-4494	76	9	business	business	NOUN
hassl-4494	76	10	units	unit	NOUN
hassl-4494	76	11	,	,	PUNCT
hassl-4494	76	12	increasing	increase	VERB
hassl-4494	76	13	sales	sale	NOUN
hassl-4494	76	14	volume	volume	NOUN
hassl-4494	76	15	,	,	PUNCT
hassl-4494	76	16	and	and	CCONJ
hassl-4494	76	17	profit	profit	NOUN
hassl-4494	76	18	(	(	PUNCT
hassl-4494	76	19	bataineh	bataineh	PROPN
hassl-4494	76	20	,	,	PUNCT
hassl-4494	76	21	al	al	PROPN
hassl-4494	76	22	-	-	PUNCT
hassl-4494	76	23	hawari	hawari	PROPN
hassl-4494	76	24	,	,	PUNCT
hassl-4494	76	25	alshraideh	alshraideh	NOUN
hassl-4494	76	26	,	,	PUNCT
hassl-4494	76	27	&	&	CCONJ
hassl-4494	76	28	dalalah	dalalah	PROPN
hassl-4494	76	29	,	,	PUNCT
hassl-4494	76	30	2019	2019	NUM
hassl-4494	76	31	;	;	PUNCT
hassl-4494	76	32	brown	brown	PROPN
hassl-4494	76	33	&	&	CCONJ
hassl-4494	76	34	dev	dev	PROPN
hassl-4494	76	35	,	,	PUNCT
hassl-4494	76	36	2000	2000	NUM
hassl-4494	76	37	;	;	PUNCT
hassl-4494	76	38	surya	surya	PROPN
hassl-4494	76	39	et	et	PROPN
hassl-4494	76	40	al	al	PROPN
hassl-4494	76	41	.	.	PROPN
hassl-4494	76	42	,	,	PUNCT
hassl-4494	76	43	2021	2021	NUM
hassl-4494	76	44	)	)	PUNCT
hassl-4494	76	45	.	.	PUNCT
hassl-4494	77	1	business	business	NOUN
hassl-4494	77	2	development	development	NOUN
hassl-4494	77	3	is	be	AUX
hassl-4494	77	4	a	a	DET
hassl-4494	77	5	process	process	NOUN
hassl-4494	77	6	and	and	CCONJ
hassl-4494	77	7	activity	activity	NOUN
hassl-4494	77	8	that	that	PRON
hassl-4494	77	9	provides	provide	VERB
hassl-4494	77	10	goods	good	NOUN
hassl-4494	77	11	or	or	CCONJ
hassl-4494	77	12	services	service	NOUN
hassl-4494	77	13	(	(	PUNCT
hassl-4494	77	14	lindholm	lindholm	ADV
hassl-4494	77	15	,	,	PUNCT
hassl-4494	77	16	laine	laine	NOUN
hassl-4494	77	17	,	,	PUNCT
hassl-4494	77	18	&	&	CCONJ
hassl-4494	77	19	suomala	suomala	PROPN
hassl-4494	77	20	,	,	PUNCT
hassl-4494	77	21	2017	2017	NUM
hassl-4494	77	22	;	;	PUNCT
hassl-4494	77	23	witell	witell	INTJ
hassl-4494	77	24	,	,	PUNCT
hassl-4494	77	25	gustafsson	gustafsson	PROPN
hassl-4494	77	26	,	,	PUNCT
hassl-4494	77	27	&	&	CCONJ
hassl-4494	77	28	johnson	johnson	PROPN
hassl-4494	77	29	,	,	PUNCT
hassl-4494	77	30	2014	2014	NUM
hassl-4494	77	31	)	)	PUNCT
hassl-4494	77	32	needed	need	VERB
hassl-4494	77	33	by	by	ADP
hassl-4494	77	34	consumers	consumer	NOUN
hassl-4494	77	35	while	while	SCONJ
hassl-4494	77	36	making	make	VERB
hassl-4494	77	37	a	a	DET
hassl-4494	77	38	profit	profit	NOUN
hassl-4494	77	39	(	(	PUNCT
hassl-4494	77	40	khajeheian	khajeheian	NOUN
hassl-4494	77	41	,	,	PUNCT
hassl-4494	77	42	2013	2013	NUM
hassl-4494	77	43	)	)	PUNCT
hassl-4494	77	44	.	.	PUNCT
hassl-4494	78	1	analytical	analytical	ADJ
hassl-4494	78	2	preparation	preparation	NOUN
hassl-4494	78	3	of	of	ADP
hassl-4494	78	4	potential	potential	ADJ
hassl-4494	78	5	growth	growth	NOUN
hassl-4494	78	6	opportunities	opportunity	NOUN
hassl-4494	78	7	,	,	PUNCT
hassl-4494	78	8	support	support	NOUN
hassl-4494	78	9	,	,	PUNCT
hassl-4494	78	10	and	and	CCONJ
hassl-4494	78	11	oversight	oversight	NOUN
hassl-4494	78	12	of	of	ADP
hassl-4494	78	13	the	the	DET
hassl-4494	78	14	implementation	implementation	NOUN
hassl-4494	78	15	of	of	ADP
hassl-4494	78	16	business	business	NOUN
hassl-4494	78	17	growth	growth	NOUN
hassl-4494	78	18	opportunities	opportunity	NOUN
hassl-4494	78	19	are	be	AUX
hassl-4494	78	20	tasks	task	NOUN
hassl-4494	78	21	and	and	CCONJ
hassl-4494	78	22	processes	process	NOUN
hassl-4494	78	23	known	know	VERB
hassl-4494	78	24	as	as	ADP
hassl-4494	78	25	business	business	NOUN
hassl-4494	78	26	development	development	NOUN
hassl-4494	78	27	.	.	PUNCT
hassl-4494	79	1	however	however	ADV
hassl-4494	79	2	,	,	PUNCT
hassl-4494	79	3	business	business	NOUN
hassl-4494	79	4	development	development	NOUN
hassl-4494	79	5	does	do	AUX
hassl-4494	79	6	not	not	PART
hassl-4494	79	7	include	include	VERB
hassl-4494	79	8	decision	decision	NOUN
hassl-4494	79	9	-	-	PUNCT
hassl-4494	79	10	making	making	NOUN
hassl-4494	79	11	on	on	ADP
hassl-4494	79	12	the	the	DET
hassl-4494	79	13	strategy	strategy	NOUN
hassl-4494	79	14	and	and	CCONJ
hassl-4494	79	15	execution	execution	NOUN
hassl-4494	79	16	of	of	ADP
hassl-4494	79	17	business	business	NOUN
hassl-4494	79	18	growth	growth	NOUN
hassl-4494	79	19	opportunities	opportunity	NOUN
hassl-4494	79	20	.	.	PUNCT
hassl-4494	80	1	business	business	NOUN
hassl-4494	80	2	development	development	NOUN
hassl-4494	80	3	can	can	AUX
hassl-4494	80	4	be	be	AUX
hassl-4494	80	5	defined	define	VERB
hassl-4494	80	6	as	as	ADP
hassl-4494	80	7	any	any	DET
hassl-4494	80	8	investment	investment	NOUN
hassl-4494	80	9	or	or	CCONJ
hassl-4494	80	10	time	time	NOUN
hassl-4494	80	11	that	that	PRON
hassl-4494	80	12	impacts	impact	VERB
hassl-4494	80	13	the	the	DET
hassl-4494	80	14	growth	growth	NOUN
hassl-4494	80	15	and	and	CCONJ
hassl-4494	80	16	expansion	expansion	NOUN
hassl-4494	80	17	of	of	ADP
hassl-4494	80	18	a	a	DET
hassl-4494	80	19	business	business	NOUN
hassl-4494	80	20	,	,	PUNCT
hassl-4494	80	21	as	as	ADV
hassl-4494	80	22	well	well	ADV
hassl-4494	80	23	as	as	ADP
hassl-4494	80	24	any	any	DET
hassl-4494	80	25	activity	activity	NOUN
hassl-4494	80	26	that	that	PRON
hassl-4494	80	27	increases	increase	VERB
hassl-4494	80	28	or	or	CCONJ
hassl-4494	80	29	aims	aim	VERB
hassl-4494	80	30	to	to	PART
hassl-4494	80	31	increase	increase	VERB
hassl-4494	80	32	the	the	DET
hassl-4494	80	33	production	production	NOUN
hassl-4494	80	34	,	,	PUNCT
hassl-4494	80	35	profit	profit	NOUN
hassl-4494	80	36	,	,	PUNCT
hassl-4494	80	37	or	or	CCONJ
hassl-4494	80	38	service	service	NOUN
hassl-4494	80	39	potential	potential	NOUN
hassl-4494	80	40	of	of	ADP
hassl-4494	80	41	a	a	DET
hassl-4494	80	42	business	business	NOUN
hassl-4494	80	43	.	.	PUNCT
hassl-4494	81	1	enterprise	enterprise	NOUN
hassl-4494	81	2	development	development	NOUN
hassl-4494	81	3	is	be	AUX
hassl-4494	81	4	an	an	DET
hassl-4494	81	5	endeavor	endeavor	NOUN
hassl-4494	81	6	to	to	PART
hassl-4494	81	7	ensure	ensure	VERB
hassl-4494	81	8	that	that	SCONJ
hassl-4494	81	9	a	a	DET
hassl-4494	81	10	business	business	NOUN
hassl-4494	81	11	remains	remain	VERB
hassl-4494	81	12	productive	productive	ADJ
hassl-4494	81	13	and	and	CCONJ
hassl-4494	81	14	profitable	profitable	ADJ
hassl-4494	81	15	in	in	ADP
hassl-4494	81	16	the	the	DET
hassl-4494	81	17	long	long	ADJ
hassl-4494	81	18	term	term	NOUN
hassl-4494	81	19	.	.	PUNCT
hassl-4494	82	1	in	in	ADP
hassl-4494	82	2	other	other	ADJ
hassl-4494	82	3	words	word	NOUN
hassl-4494	82	4	,	,	PUNCT
hassl-4494	82	5	business	business	NOUN
hassl-4494	82	6	development	development	NOUN
hassl-4494	82	7	is	be	AUX
hassl-4494	82	8	the	the	DET
hassl-4494	82	9	organizational	organizational	ADJ
hassl-4494	82	10	shaping	shaping	NOUN
hassl-4494	82	11	of	of	ADP
hassl-4494	82	12	the	the	DET
hassl-4494	82	13	customers	customer	NOUN
hassl-4494	82	14	,	,	PUNCT
hassl-4494	82	15	markets	market	NOUN
hassl-4494	82	16	,	,	PUNCT
hassl-4494	82	17	and	and	CCONJ
hassl-4494	82	18	interactions	interaction	NOUN
hassl-4494	82	19	involved	involve	VERB
hassl-4494	82	20	.	.	PUNCT
hassl-4494	83	1	based	base	VERB
hassl-4494	83	2	on	on	ADP
hassl-4494	83	3	the	the	DET
hassl-4494	83	4	opinion	opinion	NOUN
hassl-4494	83	5	of	of	ADP
hassl-4494	83	6	the	the	DET
hassl-4494	83	7	expert	expert	NOUN
hassl-4494	83	8	above	above	ADV
hassl-4494	83	9	,	,	PUNCT
hassl-4494	83	10	business	business	NOUN
hassl-4494	83	11	development	development	NOUN
hassl-4494	83	12	is	be	AUX
hassl-4494	83	13	the	the	DET
hassl-4494	83	14	activity	activity	NOUN
hassl-4494	83	15	of	of	ADP
hassl-4494	83	16	providing	provide	VERB
hassl-4494	83	17	goods	good	NOUN
hassl-4494	83	18	or	or	CCONJ
hassl-4494	83	19	services	service	NOUN
hassl-4494	83	20	needed	need	VERB
hassl-4494	83	21	by	by	ADP
hassl-4494	83	22	consumers	consumer	NOUN
hassl-4494	83	23	while	while	SCONJ
hassl-4494	83	24	making	make	VERB
hassl-4494	83	25	a	a	DET
hassl-4494	83	26	profit	profit	NOUN
hassl-4494	83	27	in	in	ADP
hassl-4494	83	28	managing	manage	VERB
hassl-4494	83	29	resources	resource	NOUN
hassl-4494	83	30	according	accord	VERB
hassl-4494	83	31	to	to	ADP
hassl-4494	83	32	predetermined	predetermine	VERB
hassl-4494	83	33	goals	goal	NOUN
hassl-4494	83	34	as	as	SCONJ
hassl-4494	83	35	measured	measure	VERB
hassl-4494	83	36	by	by	ADP
hassl-4494	83	37	indicators	indicator	NOUN
hassl-4494	83	38	:	:	PUNCT
hassl-4494	83	39	1	1	X
hassl-4494	83	40	)	)	PUNCT
hassl-4494	83	41	increase	increase	NOUN
hassl-4494	83	42	in	in	ADP
hassl-4494	83	43	production	production	NOUN
hassl-4494	83	44	,	,	PUNCT
hassl-4494	83	45	2	2	NUM
hassl-4494	83	46	)	)	PUNCT
hassl-4494	83	47	development	development	NOUN
hassl-4494	83	48	of	of	ADP
hassl-4494	83	49	business	business	NOUN
hassl-4494	83	50	units	unit	NOUN
hassl-4494	83	51	,	,	PUNCT
hassl-4494	83	52	3	3	X
hassl-4494	83	53	)	)	PUNCT
hassl-4494	83	54	increase	increase	NOUN
hassl-4494	83	55	in	in	ADP
hassl-4494	83	56	the	the	DET
hassl-4494	83	57	number	number	NOUN
hassl-4494	83	58	of	of	ADP
hassl-4494	83	59	sales	sale	NOUN
hassl-4494	83	60	,	,	PUNCT
hassl-4494	83	61	and	and	CCONJ
hassl-4494	83	62	4	4	X
hassl-4494	83	63	)	)	PUNCT
hassl-4494	83	64	business	business	NOUN
hassl-4494	83	65	profits	profit	NOUN
hassl-4494	83	66	earned	earn	VERB
hassl-4494	83	67	.	.	PUNCT
hassl-4494	84	1	humanities	humanity	NOUN
hassl-4494	84	2	and	and	CCONJ
hassl-4494	84	3	social	social	ADJ
hassl-4494	84	4	sciences	science	NOUN
hassl-4494	84	5	letters	letter	NOUN
hassl-4494	84	6	,	,	PUNCT
hassl-4494	84	7	2025	2025	NUM
hassl-4494	84	8	,	,	PUNCT
hassl-4494	84	9	13(4	13(4	NUM
hassl-4494	84	10	):	):	PUNCT
hassl-4494	84	11	1287	1287	NUM
hassl-4494	84	12	-	-	SYM
hassl-4494	84	13	1303	1303	NUM
hassl-4494	84	14	1290	1290	NUM
hassl-4494	84	15	©	©	PROPN
hassl-4494	84	16	2025	2025	NUM
hassl-4494	84	17	conscientia	conscientia	PROPN
hassl-4494	84	18	beam	beam	PROPN
hassl-4494	84	19	.	.	PUNCT
hassl-4494	85	1	all	all	DET
hassl-4494	85	2	rights	right	NOUN
hassl-4494	85	3	reserved	reserve	VERB
hassl-4494	85	4	.	.	PUNCT
hassl-4494	86	1	2.2	2.2	NUM
hassl-4494	86	2	.	.	PUNCT
hassl-4494	87	1	digital	digital	ADJ
hassl-4494	87	2	literacy	literacy	NOUN
hassl-4494	87	3	smes	sme	NOUN
hassl-4494	87	4	face	face	VERB
hassl-4494	87	5	technological	technological	ADJ
hassl-4494	87	6	developments	development	NOUN
hassl-4494	87	7	that	that	PRON
hassl-4494	87	8	need	need	VERB
hassl-4494	87	9	to	to	PART
hassl-4494	87	10	be	be	AUX
hassl-4494	87	11	responded	respond	VERB
hassl-4494	87	12	to	to	PART
hassl-4494	87	13	quickly	quickly	ADV
hassl-4494	87	14	and	and	CCONJ
hassl-4494	87	15	appropriately	appropriately	ADV
hassl-4494	87	16	because	because	SCONJ
hassl-4494	87	17	they	they	PRON
hassl-4494	87	18	offer	offer	VERB
hassl-4494	87	19	opportunities	opportunity	NOUN
hassl-4494	87	20	and	and	CCONJ
hassl-4494	87	21	challenges	challenge	NOUN
hassl-4494	87	22	(	(	PUNCT
hassl-4494	87	23	ellitan	ellitan	ADJ
hassl-4494	87	24	,	,	PUNCT
hassl-4494	87	25	2020	2020	NUM
hassl-4494	87	26	)	)	PUNCT
hassl-4494	87	27	.	.	PUNCT
hassl-4494	88	1	the	the	DET
hassl-4494	88	2	digital	digital	ADJ
hassl-4494	88	3	era	era	NOUN
hassl-4494	88	4	is	be	AUX
hassl-4494	88	5	a	a	DET
hassl-4494	88	6	condition	condition	NOUN
hassl-4494	88	7	of	of	ADP
hassl-4494	88	8	presenting	present	VERB
hassl-4494	88	9	information	information	NOUN
hassl-4494	88	10	in	in	ADP
hassl-4494	88	11	real	real	ADJ
hassl-4494	88	12	-	-	PUNCT
hassl-4494	88	13	time	time	NOUN
hassl-4494	88	14	and	and	CCONJ
hassl-4494	88	15	at	at	ADP
hassl-4494	88	16	high	high	ADJ
hassl-4494	88	17	speed	speed	NOUN
hassl-4494	88	18	online	online	NOUN
hassl-4494	88	19	(	(	PUNCT
hassl-4494	88	20	mancha	mancha	PROPN
hassl-4494	88	21	&	&	CCONJ
hassl-4494	88	22	shankaranarayanan	shankaranarayanan	PROPN
hassl-4494	88	23	,	,	PUNCT
hassl-4494	88	24	2021	2021	NUM
hassl-4494	88	25	)	)	PUNCT
hassl-4494	88	26	.	.	PUNCT
hassl-4494	89	1	digital	digital	ADJ
hassl-4494	89	2	literacy	literacy	NOUN
hassl-4494	89	3	is	be	AUX
hassl-4494	89	4	the	the	DET
hassl-4494	89	5	ability	ability	NOUN
hassl-4494	89	6	to	to	PART
hassl-4494	89	7	use	use	VERB
hassl-4494	89	8	computers	computer	NOUN
hassl-4494	89	9	as	as	ADP
hassl-4494	89	10	information	information	NOUN
hassl-4494	89	11	and	and	CCONJ
hassl-4494	89	12	communication	communication	NOUN
hassl-4494	89	13	tools	tool	NOUN
hassl-4494	89	14	,	,	PUNCT
hassl-4494	89	15	access	access	NOUN
hassl-4494	89	16	,	,	PUNCT
hassl-4494	89	17	manage	manage	VERB
hassl-4494	89	18	,	,	PUNCT
hassl-4494	89	19	integrate	integrate	VERB
hassl-4494	89	20	,	,	PUNCT
hassl-4494	89	21	analyze	analyze	VERB
hassl-4494	89	22	,	,	PUNCT
hassl-4494	89	23	and	and	CCONJ
hassl-4494	89	24	evaluate	evaluate	VERB
hassl-4494	89	25	information	information	NOUN
hassl-4494	89	26	,	,	PUNCT
hassl-4494	89	27	acquire	acquire	VERB
hassl-4494	89	28	new	new	ADJ
hassl-4494	89	29	knowledge	knowledge	NOUN
hassl-4494	89	30	,	,	PUNCT
hassl-4494	89	31	and	and	CCONJ
hassl-4494	89	32	communicate	communicate	VERB
hassl-4494	89	33	with	with	ADP
hassl-4494	89	34	others	other	NOUN
hassl-4494	89	35	(	(	PUNCT
hassl-4494	89	36	maphosa	maphosa	NOUN
hassl-4494	89	37	&	&	CCONJ
hassl-4494	89	38	bhebhe	bhebhe	PROPN
hassl-4494	89	39	,	,	PUNCT
hassl-4494	89	40	2019	2019	NUM
hassl-4494	89	41	;	;	PUNCT
hassl-4494	89	42	martin	martin	PROPN
hassl-4494	89	43	&	&	CCONJ
hassl-4494	89	44	grudziecki	grudziecki	PROPN
hassl-4494	89	45	,	,	PUNCT
hassl-4494	89	46	2006	2006	NUM
hassl-4494	89	47	;	;	PUNCT
hassl-4494	89	48	mohammadyari	mohammadyari	PROPN
hassl-4494	89	49	&	&	CCONJ
hassl-4494	89	50	singh	singh	PROPN
hassl-4494	89	51	,	,	PUNCT
hassl-4494	89	52	2015	2015	NUM
hassl-4494	89	53	;	;	PUNCT
hassl-4494	89	54	shopova	shopova	VERB
hassl-4494	89	55	,	,	PUNCT
hassl-4494	89	56	2014	2014	NUM
hassl-4494	89	57	)	)	PUNCT
hassl-4494	89	58	.	.	PUNCT
hassl-4494	90	1	digital	digital	ADJ
hassl-4494	90	2	literacy	literacy	NOUN
hassl-4494	90	3	is	be	AUX
hassl-4494	90	4	the	the	DET
hassl-4494	90	5	ability	ability	NOUN
hassl-4494	90	6	of	of	ADP
hassl-4494	90	7	users	user	NOUN
hassl-4494	90	8	to	to	PART
hassl-4494	90	9	utilize	utilize	VERB
hassl-4494	90	10	digital	digital	ADJ
hassl-4494	90	11	media	medium	NOUN
hassl-4494	90	12	,	,	PUNCT
hassl-4494	90	13	such	such	ADJ
hassl-4494	90	14	as	as	ADP
hassl-4494	90	15	communication	communication	NOUN
hassl-4494	90	16	tools	tool	NOUN
hassl-4494	90	17	,	,	PUNCT
hassl-4494	90	18	internet	internet	NOUN
hassl-4494	90	19	networks	network	NOUN
hassl-4494	90	20	,	,	PUNCT
hassl-4494	90	21	and	and	CCONJ
hassl-4494	90	22	other	other	ADJ
hassl-4494	90	23	digital	digital	ADJ
hassl-4494	90	24	resources	resource	NOUN
hassl-4494	90	25	.	.	PUNCT
hassl-4494	91	1	digital	digital	ADJ
hassl-4494	91	2	literacy	literacy	NOUN
hassl-4494	91	3	facilitates	facilitate	VERB
hassl-4494	91	4	digital	digital	ADJ
hassl-4494	91	5	communication	communication	NOUN
hassl-4494	91	6	,	,	PUNCT
hassl-4494	91	7	including	include	VERB
hassl-4494	91	8	text	text	NOUN
hassl-4494	91	9	-	-	PUNCT
hassl-4494	91	10	based	base	VERB
hassl-4494	91	11	forums	forum	NOUN
hassl-4494	91	12	,	,	PUNCT
hassl-4494	91	13	audio	audio	NOUN
hassl-4494	91	14	,	,	PUNCT
hassl-4494	91	15	digital	digital	ADJ
hassl-4494	91	16	design	design	NOUN
hassl-4494	91	17	,	,	PUNCT
hassl-4494	91	18	and	and	CCONJ
hassl-4494	91	19	online	online	ADJ
hassl-4494	91	20	video	video	NOUN
hassl-4494	91	21	.	.	PUNCT
hassl-4494	92	1	by	by	ADP
hassl-4494	92	2	using	use	VERB
hassl-4494	92	3	these	these	DET
hassl-4494	92	4	digital	digital	ADJ
hassl-4494	92	5	media	medium	NOUN
hassl-4494	92	6	,	,	PUNCT
hassl-4494	92	7	people	people	NOUN
hassl-4494	92	8	can	can	AUX
hassl-4494	92	9	collaborate	collaborate	VERB
hassl-4494	92	10	and	and	CCONJ
hassl-4494	92	11	work	work	VERB
hassl-4494	92	12	together	together	ADV
hassl-4494	92	13	on	on	ADP
hassl-4494	92	14	the	the	DET
hassl-4494	92	15	same	same	ADJ
hassl-4494	92	16	project	project	NOUN
hassl-4494	92	17	.	.	PUNCT
hassl-4494	93	1	this	this	PRON
hassl-4494	93	2	emphasizes	emphasize	VERB
hassl-4494	93	3	the	the	DET
hassl-4494	93	4	importance	importance	NOUN
hassl-4494	93	5	of	of	ADP
hassl-4494	93	6	digital	digital	ADJ
hassl-4494	93	7	literacy	literacy	NOUN
hassl-4494	93	8	for	for	ADP
hassl-4494	93	9	the	the	DET
hassl-4494	93	10	productive	productive	ADJ
hassl-4494	93	11	use	use	NOUN
hassl-4494	93	12	of	of	ADP
hassl-4494	93	13	media	medium	NOUN
hassl-4494	93	14	in	in	ADP
hassl-4494	93	15	sme	sme	PROPN
hassl-4494	93	16	management	management	NOUN
hassl-4494	93	17	.	.	PUNCT
hassl-4494	94	1	digital	digital	ADJ
hassl-4494	94	2	literacy	literacy	NOUN
hassl-4494	94	3	affects	affect	VERB
hassl-4494	94	4	credit	credit	NOUN
hassl-4494	94	5	facilities	facility	NOUN
hassl-4494	94	6	(	(	PUNCT
hassl-4494	94	7	charfeddine	charfeddine	NOUN
hassl-4494	94	8	,	,	PUNCT
hassl-4494	94	9	umlai	umlai	PROPN
hassl-4494	94	10	,	,	PUNCT
hassl-4494	94	11	&	&	CCONJ
hassl-4494	94	12	el	el	PROPN
hassl-4494	94	13	-	-	PROPN
hassl-4494	94	14	masri	masri	PROPN
hassl-4494	94	15	,	,	PUNCT
hassl-4494	94	16	2024	2024	NUM
hassl-4494	94	17	;	;	PUNCT
hassl-4494	94	18	gautam	gautam	PROPN
hassl-4494	94	19	et	et	PROPN
hassl-4494	94	20	al	al	PROPN
hassl-4494	94	21	.	.	PROPN
hassl-4494	94	22	,	,	PUNCT
hassl-4494	94	23	2022	2022	NUM
hassl-4494	94	24	)	)	PUNCT
hassl-4494	94	25	all	all	PRON
hassl-4494	94	26	because	because	SCONJ
hassl-4494	94	27	a	a	DET
hassl-4494	94	28	person	person	NOUN
hassl-4494	94	29	's	's	PART
hassl-4494	94	30	ability	ability	NOUN
hassl-4494	94	31	to	to	PART
hassl-4494	94	32	use	use	VERB
hassl-4494	94	33	data	datum	NOUN
hassl-4494	94	34	will	will	AUX
hassl-4494	94	35	affect	affect	VERB
hassl-4494	94	36	the	the	DET
hassl-4494	94	37	response	response	NOUN
hassl-4494	94	38	to	to	ADP
hassl-4494	94	39	various	various	ADJ
hassl-4494	94	40	credit	credit	NOUN
hassl-4494	94	41	facilities	facility	NOUN
hassl-4494	94	42	,	,	PUNCT
hassl-4494	94	43	which	which	PRON
hassl-4494	94	44	are	be	AUX
hassl-4494	94	45	currently	currently	ADV
hassl-4494	94	46	mostly	mostly	ADV
hassl-4494	94	47	online	online	ADJ
hassl-4494	94	48	.	.	PUNCT
hassl-4494	95	1	this	this	PRON
hassl-4494	95	2	is	be	AUX
hassl-4494	95	3	by	by	ADP
hassl-4494	95	4	the	the	DET
hassl-4494	95	5	statement	statement	NOUN
hassl-4494	95	6	(	(	PUNCT
hassl-4494	95	7	mahmood	mahmood	PROPN
hassl-4494	95	8	,	,	PUNCT
hassl-4494	95	9	batool	batool	NOUN
hassl-4494	95	10	,	,	PUNCT
hassl-4494	95	11	rafiq	rafiq	PROPN
hassl-4494	95	12	,	,	PUNCT
hassl-4494	95	13	&	&	CCONJ
hassl-4494	95	14	safdar	safdar	PROPN
hassl-4494	95	15	,	,	PUNCT
hassl-4494	95	16	2022	2022	NUM
hassl-4494	95	17	;	;	PUNCT
hassl-4494	95	18	nedungadi	nedungadi	PROPN
hassl-4494	95	19	,	,	PUNCT
hassl-4494	95	20	menon	menon	PROPN
hassl-4494	95	21	,	,	PUNCT
hassl-4494	95	22	gutjahr	gutjahr	PROPN
hassl-4494	95	23	,	,	PUNCT
hassl-4494	95	24	erickson	erickson	PROPN
hassl-4494	95	25	,	,	PUNCT
hassl-4494	95	26	&	&	CCONJ
hassl-4494	95	27	raman	raman	NOUN
hassl-4494	95	28	,	,	PUNCT
hassl-4494	95	29	2018	2018	NUM
hassl-4494	95	30	)	)	PUNCT
hassl-4494	95	31	.	.	PUNCT
hassl-4494	96	1	digital	digital	ADJ
hassl-4494	96	2	literacy	literacy	NOUN
hassl-4494	96	3	also	also	ADV
hassl-4494	96	4	affects	affect	VERB
hassl-4494	96	5	sme	sme	PROPN
hassl-4494	96	6	development	development	PROPN
hassl-4494	96	7	(	(	PUNCT
hassl-4494	96	8	frimpong	frimpong	PROPN
hassl-4494	96	9	,	,	PUNCT
hassl-4494	96	10	agyapong	agyapong	PROPN
hassl-4494	96	11	,	,	PUNCT
hassl-4494	96	12	&	&	CCONJ
hassl-4494	96	13	agyapong	agyapong	PROPN
hassl-4494	96	14	,	,	PUNCT
hassl-4494	96	15	2022	2022	NUM
hassl-4494	96	16	;	;	PUNCT
hassl-4494	96	17	mohammadyari	mohammadyari	PROPN
hassl-4494	96	18	&	&	CCONJ
hassl-4494	96	19	singh	singh	PROPN
hassl-4494	96	20	,	,	PUNCT
hassl-4494	96	21	2015	2015	NUM
hassl-4494	96	22	;	;	PUNCT
hassl-4494	96	23	sariwulan	sariwulan	NOUN
hassl-4494	96	24	,	,	PUNCT
hassl-4494	96	25	suparno	suparno	ADV
hassl-4494	96	26	,	,	PUNCT
hassl-4494	96	27	disman	disman	NOUN
hassl-4494	96	28	,	,	PUNCT
hassl-4494	96	29	ahman	ahman	PROPN
hassl-4494	96	30	,	,	PUNCT
hassl-4494	96	31	&	&	CCONJ
hassl-4494	96	32	suwatno	suwatno	PROPN
hassl-4494	96	33	,	,	PUNCT
hassl-4494	96	34	2020	2020	NUM
hassl-4494	96	35	;	;	PUNCT
hassl-4494	96	36	zahoor	zahoor	PROPN
hassl-4494	96	37	,	,	PUNCT
hassl-4494	96	38	zopiatis	zopiatis	PROPN
hassl-4494	96	39	,	,	PUNCT
hassl-4494	96	40	adomako	adomako	PROPN
hassl-4494	96	41	,	,	PUNCT
hassl-4494	96	42	&	&	CCONJ
hassl-4494	96	43	lamprinakos	lamprinakos	PROPN
hassl-4494	96	44	,	,	PUNCT
hassl-4494	96	45	2023	2023	NUM
hassl-4494	96	46	)	)	PUNCT
hassl-4494	96	47	.	.	PUNCT
hassl-4494	97	1	this	this	PRON
hassl-4494	97	2	occurs	occur	VERB
hassl-4494	97	3	because	because	SCONJ
hassl-4494	97	4	,	,	PUNCT
hassl-4494	97	5	with	with	ADP
hassl-4494	97	6	digital	digital	ADJ
hassl-4494	97	7	literacy	literacy	NOUN
hassl-4494	97	8	,	,	PUNCT
hassl-4494	97	9	an	an	DET
hassl-4494	97	10	entrepreneur	entrepreneur	NOUN
hassl-4494	97	11	will	will	AUX
hassl-4494	97	12	be	be	AUX
hassl-4494	97	13	able	able	ADJ
hassl-4494	97	14	to	to	PART
hassl-4494	97	15	develop	develop	VERB
hassl-4494	97	16	his	his	PRON
hassl-4494	97	17	business	business	NOUN
hassl-4494	97	18	in	in	ADP
hassl-4494	97	19	marketing	marketing	NOUN
hassl-4494	97	20	(	(	PUNCT
hassl-4494	97	21	fahmi	fahmi	PROPN
hassl-4494	97	22	&	&	CCONJ
hassl-4494	97	23	savira	savira	PROPN
hassl-4494	97	24	,	,	PUNCT
hassl-4494	97	25	2023	2023	NUM
hassl-4494	97	26	;	;	PUNCT
hassl-4494	97	27	olsson	olsson	PROPN
hassl-4494	97	28	&	&	CCONJ
hassl-4494	97	29	bernhard	bernhard	PROPN
hassl-4494	97	30	,	,	PUNCT
hassl-4494	97	31	2021	2021	NUM
hassl-4494	97	32	)	)	PUNCT
hassl-4494	97	33	,	,	PUNCT
hassl-4494	97	34	access	access	NOUN
hassl-4494	97	35	finance	finance	NOUN
hassl-4494	97	36	,	,	PUNCT
hassl-4494	97	37	analyze	analyze	NOUN
hassl-4494	97	38	markets	market	NOUN
hassl-4494	97	39	,	,	PUNCT
hassl-4494	97	40	and	and	CCONJ
hassl-4494	97	41	even	even	ADV
hassl-4494	97	42	take	take	VERB
hassl-4494	97	43	economic	economic	ADJ
hassl-4494	97	44	profit	profit	NOUN
hassl-4494	97	45	opportunities	opportunity	NOUN
hassl-4494	97	46	in	in	ADP
hassl-4494	97	47	various	various	ADJ
hassl-4494	97	48	financial	financial	ADJ
hassl-4494	97	49	situations	situation	NOUN
hassl-4494	97	50	(	(	PUNCT
hassl-4494	97	51	brunetti	brunetti	X
hassl-4494	97	52	et	et	NOUN
hassl-4494	97	53	al	al	PROPN
hassl-4494	97	54	.	.	PROPN
hassl-4494	97	55	,	,	PUNCT
hassl-4494	97	56	2020	2020	NUM
hassl-4494	97	57	;	;	PUNCT
hassl-4494	97	58	carayannis	carayannis	PROPN
hassl-4494	97	59	,	,	PUNCT
hassl-4494	97	60	popescu	popescu	NOUN
hassl-4494	97	61	,	,	PUNCT
hassl-4494	97	62	sipp	sipp	PROPN
hassl-4494	97	63	,	,	PUNCT
hassl-4494	97	64	&	&	CCONJ
hassl-4494	97	65	stewart	stewart	PROPN
hassl-4494	97	66	,	,	PUNCT
hassl-4494	97	67	2006	2006	NUM
hassl-4494	97	68	)	)	PUNCT
hassl-4494	97	69	.	.	PUNCT
hassl-4494	98	1	2.3	2.3	NUM
hassl-4494	98	2	.	.	PUNCT
hassl-4494	98	3	credit	credit	NOUN
hassl-4494	98	4	facility	facility	NOUN
hassl-4494	98	5	one	one	NUM
hassl-4494	98	6	of	of	ADP
hassl-4494	98	7	the	the	DET
hassl-4494	98	8	purposes	purpose	NOUN
hassl-4494	98	9	and	and	CCONJ
hassl-4494	98	10	functions	function	NOUN
hassl-4494	98	11	of	of	ADP
hassl-4494	98	12	credit	credit	NOUN
hassl-4494	98	13	is	be	AUX
hassl-4494	98	14	to	to	PART
hassl-4494	98	15	advance	advance	VERB
hassl-4494	98	16	the	the	DET
hassl-4494	98	17	economy	economy	NOUN
hassl-4494	98	18	and	and	CCONJ
hassl-4494	98	19	empower	empower	VERB
hassl-4494	98	20	the	the	DET
hassl-4494	98	21	community	community	NOUN
hassl-4494	98	22	.	.	PUNCT
hassl-4494	99	1	the	the	DET
hassl-4494	99	2	use	use	NOUN
hassl-4494	99	3	of	of	ADP
hassl-4494	99	4	credit	credit	NOUN
hassl-4494	99	5	,	,	PUNCT
hassl-4494	99	6	in	in	ADP
hassl-4494	99	7	this	this	DET
hassl-4494	99	8	case	case	NOUN
hassl-4494	99	9	,	,	PUNCT
hassl-4494	99	10	involves	involve	VERB
hassl-4494	99	11	the	the	DET
hassl-4494	99	12	utilization	utilization	NOUN
hassl-4494	99	13	of	of	ADP
hassl-4494	99	14	credit	credit	NOUN
hassl-4494	99	15	facilities	facility	NOUN
hassl-4494	99	16	through	through	ADP
hassl-4494	99	17	plans	plan	NOUN
hassl-4494	99	18	for	for	ADP
hassl-4494	99	19	both	both	CCONJ
hassl-4494	99	20	modular	modular	ADJ
hassl-4494	99	21	work	work	NOUN
hassl-4494	99	22	and	and	CCONJ
hassl-4494	99	23	investment	investment	NOUN
hassl-4494	99	24	(	(	PUNCT
hassl-4494	99	25	kusi	kusi	PROPN
hassl-4494	99	26	,	,	PUNCT
hassl-4494	99	27	yussif	yussif	PROPN
hassl-4494	99	28	,	,	PUNCT
hassl-4494	99	29	&	&	CCONJ
hassl-4494	99	30	ismail	ismail	PROPN
hassl-4494	99	31	,	,	PUNCT
hassl-4494	99	32	2019	2019	NUM
hassl-4494	99	33	;	;	PUNCT
hassl-4494	99	34	sovacool	sovacool	NOUN
hassl-4494	99	35	,	,	PUNCT
hassl-4494	99	36	2018	2018	NUM
hassl-4494	99	37	)	)	PUNCT
hassl-4494	99	38	.	.	PUNCT
hassl-4494	100	1	credit	credit	NOUN
hassl-4494	100	2	facilities	facility	NOUN
hassl-4494	100	3	are	be	AUX
hassl-4494	100	4	used	use	VERB
hassl-4494	100	5	as	as	ADP
hassl-4494	100	6	a	a	DET
hassl-4494	100	7	means	means	NOUN
hassl-4494	100	8	of	of	ADP
hassl-4494	100	9	funding	funding	NOUN
hassl-4494	100	10	,	,	PUNCT
hassl-4494	100	11	and	and	CCONJ
hassl-4494	100	12	financing	financing	NOUN
hassl-4494	100	13	involves	involve	VERB
hassl-4494	100	14	the	the	DET
hassl-4494	100	15	utilization	utilization	NOUN
hassl-4494	100	16	of	of	ADP
hassl-4494	100	17	pre	pre	ADJ
hassl-4494	100	18	-	-	ADJ
hassl-4494	100	19	approved	approved	ADJ
hassl-4494	100	20	credit	credit	NOUN
hassl-4494	100	21	or	or	CCONJ
hassl-4494	100	22	loans	loan	NOUN
hassl-4494	100	23	that	that	PRON
hassl-4494	100	24	allow	allow	VERB
hassl-4494	100	25	borrowers	borrower	NOUN
hassl-4494	100	26	to	to	PART
hassl-4494	100	27	borrow	borrow	VERB
hassl-4494	100	28	money	money	NOUN
hassl-4494	100	29	on	on	ADP
hassl-4494	100	30	an	an	DET
hassl-4494	100	31	ongoing	ongoing	ADJ
hassl-4494	100	32	basis	basis	NOUN
hassl-4494	100	33	over	over	ADP
hassl-4494	100	34	a	a	DET
hassl-4494	100	35	period	period	NOUN
hassl-4494	100	36	of	of	ADP
hassl-4494	100	37	time	time	NOUN
hassl-4494	100	38	.	.	PUNCT
hassl-4494	101	1	being	be	AUX
hassl-4494	101	2	able	able	ADJ
hassl-4494	101	3	to	to	PART
hassl-4494	101	4	apply	apply	VERB
hassl-4494	101	5	for	for	ADP
hassl-4494	101	6	a	a	DET
hassl-4494	101	7	new	new	ADJ
hassl-4494	101	8	loan	loan	NOUN
hassl-4494	101	9	each	each	DET
hassl-4494	101	10	time	time	NOUN
hassl-4494	101	11	the	the	DET
hassl-4494	101	12	borrower	borrower	NOUN
hassl-4494	101	13	needs	need	VERB
hassl-4494	101	14	more	more	ADJ
hassl-4494	101	15	funds	fund	NOUN
hassl-4494	101	16	helps	help	VERB
hassl-4494	101	17	the	the	DET
hassl-4494	101	18	company	company	NOUN
hassl-4494	101	19	maintain	maintain	VERB
hassl-4494	101	20	an	an	DET
hassl-4494	101	21	efficient	efficient	ADJ
hassl-4494	101	22	cash	cash	NOUN
hassl-4494	101	23	conversion	conversion	NOUN
hassl-4494	101	24	cycle	cycle	NOUN
hassl-4494	101	25	(	(	PUNCT
hassl-4494	101	26	truby	truby	PROPN
hassl-4494	101	27	,	,	PUNCT
hassl-4494	101	28	2018	2018	NUM
hassl-4494	101	29	)	)	PUNCT
hassl-4494	101	30	.	.	PUNCT
hassl-4494	102	1	a	a	DET
hassl-4494	102	2	financing	financing	NOUN
hassl-4494	102	3	arrangement	arrangement	NOUN
hassl-4494	102	4	that	that	PRON
hassl-4494	102	5	allows	allow	VERB
hassl-4494	102	6	a	a	DET
hassl-4494	102	7	person	person	NOUN
hassl-4494	102	8	or	or	CCONJ
hassl-4494	102	9	business	business	NOUN
hassl-4494	102	10	entity	entity	NOUN
hassl-4494	102	11	to	to	PART
hassl-4494	102	12	borrow	borrow	VERB
hassl-4494	102	13	money	money	NOUN
hassl-4494	102	14	to	to	PART
hassl-4494	102	15	buy	buy	VERB
hassl-4494	102	16	a	a	DET
hassl-4494	102	17	product	product	NOUN
hassl-4494	102	18	and	and	CCONJ
hassl-4494	102	19	pay	pay	VERB
hassl-4494	102	20	it	it	PRON
hassl-4494	102	21	back	back	ADV
hassl-4494	102	22	over	over	ADP
hassl-4494	102	23	some	some	DET
hassl-4494	102	24	time	time	NOUN
hassl-4494	102	25	,	,	PUNCT
hassl-4494	102	26	a	a	DET
hassl-4494	102	27	financial	financial	ADJ
hassl-4494	102	28	arrangement	arrangement	NOUN
hassl-4494	102	29	that	that	PRON
hassl-4494	102	30	allows	allow	VERB
hassl-4494	102	31	a	a	DET
hassl-4494	102	32	person	person	NOUN
hassl-4494	102	33	or	or	CCONJ
hassl-4494	102	34	company	company	NOUN
hassl-4494	102	35	to	to	PART
hassl-4494	102	36	borrow	borrow	VERB
hassl-4494	102	37	money	money	NOUN
hassl-4494	102	38	to	to	PART
hassl-4494	102	39	buy	buy	VERB
hassl-4494	102	40	a	a	DET
hassl-4494	102	41	product	product	NOUN
hassl-4494	102	42	and	and	CCONJ
hassl-4494	102	43	pay	pay	VERB
hassl-4494	102	44	it	it	PRON
hassl-4494	102	45	back	back	ADV
hassl-4494	102	46	with	with	ADP
hassl-4494	102	47	interest	interest	NOUN
hassl-4494	102	48	over	over	ADP
hassl-4494	102	49	some	some	DET
hassl-4494	102	50	time	time	NOUN
hassl-4494	102	51	.	.	PUNCT
hassl-4494	103	1	based	base	VERB
hassl-4494	103	2	on	on	ADP
hassl-4494	103	3	law	law	NOUN
hassl-4494	103	4	number	number	NOUN
hassl-4494	103	5	10	10	NUM
hassl-4494	103	6	of	of	ADP
hassl-4494	103	7	1998	1998	NUM
hassl-4494	103	8	concerning	concern	VERB
hassl-4494	103	9	banking	banking	NOUN
hassl-4494	103	10	,	,	PUNCT
hassl-4494	103	11	article	article	NOUN
hassl-4494	103	12	1	1	NUM
hassl-4494	103	13	point	point	NOUN
hassl-4494	103	14	11	11	NUM
hassl-4494	103	15	,	,	PUNCT
hassl-4494	103	16	credit	credit	NOUN
hassl-4494	103	17	can	can	AUX
hassl-4494	103	18	be	be	AUX
hassl-4494	103	19	defined	define	VERB
hassl-4494	103	20	as	as	ADP
hassl-4494	103	21	the	the	DET
hassl-4494	103	22	'	'	PUNCT
hassl-4494	103	23	provision	provision	NOUN
hassl-4494	103	24	of	of	ADP
hassl-4494	103	25	money	money	NOUN
hassl-4494	103	26	or	or	CCONJ
hassl-4494	103	27	bills	bill	NOUN
hassl-4494	103	28	that	that	PRON
hassl-4494	103	29	can	can	AUX
hassl-4494	103	30	be	be	AUX
hassl-4494	103	31	equated	equate	VERB
hassl-4494	103	32	with	with	ADP
hassl-4494	103	33	it	it	PRON
hassl-4494	103	34	,	,	PUNCT
hassl-4494	103	35	based	base	VERB
hassl-4494	103	36	on	on	ADP
hassl-4494	103	37	an	an	DET
hassl-4494	103	38	agreement	agreement	NOUN
hassl-4494	103	39	or	or	CCONJ
hassl-4494	103	40	loan	loan	NOUN
hassl-4494	103	41	and	and	CCONJ
hassl-4494	103	42	borrowing	borrowing	NOUN
hassl-4494	103	43	agreement	agreement	NOUN
hassl-4494	103	44	between	between	ADP
hassl-4494	103	45	a	a	DET
hassl-4494	103	46	bank	bank	NOUN
hassl-4494	103	47	and	and	CCONJ
hassl-4494	103	48	another	another	DET
hassl-4494	103	49	party	party	NOUN
hassl-4494	103	50	which	which	PRON
hassl-4494	103	51	requires	require	VERB
hassl-4494	103	52	the	the	DET
hassl-4494	103	53	borrower	borrower	NOUN
hassl-4494	103	54	to	to	PART
hassl-4494	103	55	pay	pay	VERB
hassl-4494	103	56	off	off	ADP
hassl-4494	103	57	his	his	PRON
hassl-4494	103	58	debt	debt	NOUN
hassl-4494	103	59	after	after	ADP
hassl-4494	103	60	a	a	DET
hassl-4494	103	61	certain	certain	ADJ
hassl-4494	103	62	period	period	NOUN
hassl-4494	103	63	with	with	ADP
hassl-4494	103	64	interest	interest	NOUN
hassl-4494	103	65	'	'	PUNCT
hassl-4494	103	66	.	.	PUNCT
hassl-4494	104	1	indicators	indicator	NOUN
hassl-4494	104	2	of	of	ADP
hassl-4494	104	3	the	the	DET
hassl-4494	104	4	use	use	NOUN
hassl-4494	104	5	of	of	ADP
hassl-4494	104	6	credit	credit	NOUN
hassl-4494	104	7	facilities	facility	NOUN
hassl-4494	104	8	include	include	VERB
hassl-4494	104	9	aspects	aspect	NOUN
hassl-4494	104	10	of	of	ADP
hassl-4494	104	11	accuracy	accuracy	NOUN
hassl-4494	104	12	of	of	ADP
hassl-4494	104	13	use	use	NOUN
hassl-4494	104	14	,	,	PUNCT
hassl-4494	104	15	aspects	aspect	NOUN
hassl-4494	104	16	of	of	ADP
hassl-4494	104	17	accuracy	accuracy	NOUN
hassl-4494	104	18	of	of	ADP
hassl-4494	104	19	credit	credit	NOUN
hassl-4494	104	20	load	load	NOUN
hassl-4494	104	21	,	,	PUNCT
hassl-4494	104	22	and	and	CCONJ
hassl-4494	104	23	aspects	aspect	NOUN
hassl-4494	104	24	of	of	ADP
hassl-4494	104	25	accuracy	accuracy	NOUN
hassl-4494	104	26	of	of	ADP
hassl-4494	104	27	credit	credit	NOUN
hassl-4494	104	28	amount	amount	NOUN
hassl-4494	104	29	.	.	PUNCT
hassl-4494	105	1	credit	credit	NOUN
hassl-4494	105	2	facility	facility	NOUN
hassl-4494	105	3	affects	affect	VERB
hassl-4494	105	4	sme	sme	PROPN
hassl-4494	105	5	development	development	PROPN
hassl-4494	105	6	(	(	PUNCT
hassl-4494	105	7	osano	osano	PROPN
hassl-4494	105	8	&	&	CCONJ
hassl-4494	105	9	languitone	languitone	ADJ
hassl-4494	105	10	,	,	PUNCT
hassl-4494	105	11	2016	2016	NUM
hassl-4494	105	12	)	)	PUNCT
hassl-4494	105	13	.	.	PUNCT
hassl-4494	106	1	credit	credit	NOUN
hassl-4494	106	2	facilities	facility	NOUN
hassl-4494	106	3	directly	directly	ADV
hassl-4494	106	4	influence	influence	VERB
hassl-4494	106	5	sme	sme	PROPN
hassl-4494	106	6	development	development	PROPN
hassl-4494	106	7	.	.	PUNCT
hassl-4494	107	1	therefore	therefore	ADV
hassl-4494	107	2	,	,	PUNCT
hassl-4494	107	3	based	base	VERB
hassl-4494	107	4	on	on	ADP
hassl-4494	107	5	the	the	DET
hassl-4494	107	6	research	research	NOUN
hassl-4494	107	7	rationale	rationale	NOUN
hassl-4494	107	8	,	,	PUNCT
hassl-4494	107	9	creditability	creditability	NOUN
hassl-4494	107	10	mediates	mediate	VERB
hassl-4494	107	11	the	the	DET
hassl-4494	107	12	effect	effect	NOUN
hassl-4494	107	13	of	of	ADP
hassl-4494	107	14	digital	digital	ADJ
hassl-4494	107	15	literacy	literacy	NOUN
hassl-4494	107	16	on	on	ADP
hassl-4494	107	17	sme	sme	PROPN
hassl-4494	107	18	development	development	PROPN
hassl-4494	107	19	.	.	PUNCT
hassl-4494	108	1	based	base	VERB
hassl-4494	108	2	on	on	ADP
hassl-4494	108	3	the	the	DET
hassl-4494	108	4	review	review	NOUN
hassl-4494	108	5	of	of	ADP
hassl-4494	108	6	theory	theory	NOUN
hassl-4494	108	7	,	,	PUNCT
hassl-4494	108	8	literature	literature	NOUN
hassl-4494	108	9	,	,	PUNCT
hassl-4494	108	10	previous	previous	ADJ
hassl-4494	108	11	research	research	NOUN
hassl-4494	108	12	,	,	PUNCT
hassl-4494	108	13	and	and	CCONJ
hassl-4494	108	14	the	the	DET
hassl-4494	108	15	hypotheses	hypothesis	NOUN
hassl-4494	108	16	proposed	propose	VERB
hassl-4494	108	17	in	in	ADP
hassl-4494	108	18	this	this	DET
hassl-4494	108	19	study	study	NOUN
hassl-4494	108	20	,	,	PUNCT
hassl-4494	108	21	the	the	DET
hassl-4494	108	22	proposed	propose	VERB
hassl-4494	108	23	research	research	NOUN
hassl-4494	108	24	model	model	NOUN
hassl-4494	108	25	framework	framework	NOUN
hassl-4494	108	26	can	can	AUX
hassl-4494	108	27	be	be	AUX
hassl-4494	108	28	presented	present	VERB
hassl-4494	108	29	as	as	SCONJ
hassl-4494	108	30	follows	follow	VERB
hassl-4494	108	31	:	:	PUNCT
hassl-4494	108	32	1	1	X
hassl-4494	108	33	.	.	X
hassl-4494	108	34	hypothesis	hypothesis	NOUN
hassl-4494	108	35	1	1	NUM
hassl-4494	108	36	(	(	PUNCT
hassl-4494	108	37	h1	h1	PROPN
hassl-4494	108	38	)	)	PUNCT
hassl-4494	108	39	.	.	PUNCT
hassl-4494	109	1	crf	crf	PROPN
hassl-4494	109	2	positive	positive	ADJ
hassl-4494	109	3	influence	influence	NOUN
hassl-4494	109	4	on	on	ADP
hassl-4494	109	5	end	end	NOUN
hassl-4494	109	6	.	.	PUNCT
hassl-4494	110	1	2	2	X
hassl-4494	110	2	.	.	X
hassl-4494	110	3	hypothesis	hypothesis	NOUN
hassl-4494	110	4	2	2	NUM
hassl-4494	110	5	(	(	PUNCT
hassl-4494	110	6	h2	h2	NOUN
hassl-4494	110	7	)	)	PUNCT
hassl-4494	110	8	.	.	PUNCT
hassl-4494	111	1	dlt	dlt	PROPN
hassl-4494	111	2	positive	positive	ADJ
hassl-4494	111	3	influence	influence	NOUN
hassl-4494	111	4	on	on	ADP
hassl-4494	111	5	crf	crf	PROPN
hassl-4494	111	6	3	3	NUM
hassl-4494	111	7	.	.	PUNCT
hassl-4494	111	8	hypothesis	hypothesis	NOUN
hassl-4494	111	9	3	3	NUM
hassl-4494	111	10	(	(	PUNCT
hassl-4494	111	11	h3	h3	NOUN
hassl-4494	111	12	)	)	PUNCT
hassl-4494	111	13	.	.	PUNCT
hassl-4494	112	1	dlt	dlt	PROPN
hassl-4494	112	2	positive	positive	ADJ
hassl-4494	112	3	influence	influence	NOUN
hassl-4494	112	4	on	on	ADP
hassl-4494	112	5	end	end	NOUN
hassl-4494	112	6	4	4	NUM
hassl-4494	112	7	.	.	PUNCT
hassl-4494	112	8	hypothesis	hypothesis	NOUN
hassl-4494	112	9	4	4	NUM
hassl-4494	112	10	(	(	PUNCT
hassl-4494	112	11	h4	h4	PROPN
hassl-4494	112	12	)	)	PUNCT
hassl-4494	112	13	.	.	PUNCT
hassl-4494	113	1	crf	crf	PROPN
hassl-4494	113	2	positively	positively	ADV
hassl-4494	113	3	mediates	mediate	VERB
hassl-4494	113	4	the	the	DET
hassl-4494	113	5	impact	impact	NOUN
hassl-4494	113	6	of	of	ADP
hassl-4494	113	7	dlt	dlt	PROPN
hassl-4494	113	8	on	on	ADP
hassl-4494	113	9	end	end	NOUN
hassl-4494	113	10	figure	figure	NOUN
hassl-4494	113	11	1	1	NUM
hassl-4494	113	12	illustrates	illustrate	VERB
hassl-4494	113	13	the	the	DET
hassl-4494	113	14	process	process	NOUN
hassl-4494	113	15	of	of	ADP
hassl-4494	113	16	digital	digital	ADJ
hassl-4494	113	17	literacy	literacy	NOUN
hassl-4494	113	18	's	's	PART
hassl-4494	113	19	influence	influence	NOUN
hassl-4494	113	20	on	on	ADP
hassl-4494	113	21	sme	sme	PROPN
hassl-4494	113	22	development	development	NOUN
hassl-4494	113	23	with	with	ADP
hassl-4494	113	24	credit	credit	NOUN
hassl-4494	113	25	facilities	facility	NOUN
hassl-4494	113	26	.	.	PUNCT
hassl-4494	114	1	the	the	DET
hassl-4494	114	2	proposed	propose	VERB
hassl-4494	114	3	model	model	NOUN
hassl-4494	114	4	hypothesizes	hypothesize	VERB
hassl-4494	114	5	a	a	DET
hassl-4494	114	6	direct	direct	ADJ
hassl-4494	114	7	positive	positive	ADJ
hassl-4494	114	8	influence	influence	NOUN
hassl-4494	114	9	of	of	ADP
hassl-4494	114	10	digital	digital	ADJ
hassl-4494	114	11	literacy	literacy	NOUN
hassl-4494	114	12	on	on	ADP
hassl-4494	114	13	sme	sme	PROPN
hassl-4494	114	14	development	development	NOUN
hassl-4494	114	15	.	.	PUNCT
hassl-4494	115	1	to	to	PART
hassl-4494	115	2	understand	understand	VERB
hassl-4494	115	3	the	the	DET
hassl-4494	115	4	process	process	NOUN
hassl-4494	115	5	of	of	ADP
hassl-4494	115	6	this	this	DET
hassl-4494	115	7	influence	influence	NOUN
hassl-4494	115	8	,	,	PUNCT
hassl-4494	115	9	credit	credit	NOUN
hassl-4494	115	10	facilities	facility	NOUN
hassl-4494	115	11	are	be	AUX
hassl-4494	115	12	identified	identify	VERB
hassl-4494	115	13	as	as	ADP
hassl-4494	115	14	a	a	DET
hassl-4494	115	15	mediating	mediate	VERB
hassl-4494	115	16	variable	variable	NOUN
hassl-4494	115	17	in	in	ADP
hassl-4494	115	18	the	the	DET
hassl-4494	115	19	sme	sme	PROPN
hassl-4494	115	20	development	development	NOUN
hassl-4494	115	21	process	process	NOUN
hassl-4494	115	22	.	.	PUNCT
hassl-4494	116	1	it	it	PRON
hassl-4494	116	2	is	be	AUX
hassl-4494	116	3	humanities	humanity	NOUN
hassl-4494	116	4	and	and	CCONJ
hassl-4494	116	5	social	social	ADJ
hassl-4494	116	6	sciences	science	NOUN
hassl-4494	116	7	letters	letter	NOUN
hassl-4494	116	8	,	,	PUNCT
hassl-4494	116	9	2025	2025	NUM
hassl-4494	116	10	,	,	PUNCT
hassl-4494	116	11	13(4	13(4	NUM
hassl-4494	116	12	):	):	PUNCT
hassl-4494	116	13	1287	1287	NUM
hassl-4494	116	14	-	-	SYM
hassl-4494	116	15	1303	1303	NUM
hassl-4494	116	16	1291	1291	NUM
hassl-4494	116	17	©	©	PROPN
hassl-4494	116	18	2025	2025	NUM
hassl-4494	116	19	conscientia	conscientia	PROPN
hassl-4494	116	20	beam	beam	PROPN
hassl-4494	116	21	.	.	PUNCT
hassl-4494	117	1	all	all	DET
hassl-4494	117	2	rights	right	NOUN
hassl-4494	117	3	reserved	reserve	VERB
hassl-4494	117	4	.	.	PUNCT
hassl-4494	117	5	hypothesized	hypothesize	VERB
hassl-4494	117	6	that	that	SCONJ
hassl-4494	117	7	there	there	PRON
hassl-4494	117	8	is	be	VERB
hassl-4494	117	9	a	a	DET
hassl-4494	117	10	direct	direct	ADJ
hassl-4494	117	11	positive	positive	ADJ
hassl-4494	117	12	influence	influence	NOUN
hassl-4494	117	13	of	of	ADP
hassl-4494	117	14	digital	digital	ADJ
hassl-4494	117	15	literacy	literacy	NOUN
hassl-4494	117	16	on	on	ADP
hassl-4494	117	17	credit	credit	NOUN
hassl-4494	117	18	facilities	facility	NOUN
hassl-4494	117	19	,	,	PUNCT
hassl-4494	117	20	credit	credit	NOUN
hassl-4494	117	21	facilities	facility	NOUN
hassl-4494	117	22	on	on	ADP
hassl-4494	117	23	sme	sme	PROPN
hassl-4494	117	24	development	development	NOUN
hassl-4494	117	25	,	,	PUNCT
hassl-4494	117	26	and	and	CCONJ
hassl-4494	117	27	digital	digital	ADJ
hassl-4494	117	28	literacy	literacy	NOUN
hassl-4494	117	29	on	on	ADP
hassl-4494	117	30	sme	sme	PROPN
hassl-4494	117	31	development	development	NOUN
hassl-4494	117	32	,	,	PUNCT
hassl-4494	117	33	with	with	ADP
hassl-4494	117	34	credit	credit	NOUN
hassl-4494	117	35	facilities	facility	NOUN
hassl-4494	117	36	as	as	ADP
hassl-4494	117	37	a	a	DET
hassl-4494	117	38	mediating	mediate	VERB
hassl-4494	117	39	variable	variable	NOUN
hassl-4494	117	40	as	as	ADP
hassl-4494	117	41	a	a	DET
hassl-4494	117	42	process	process	NOUN
hassl-4494	117	43	or	or	CCONJ
hassl-4494	117	44	indirect	indirect	ADJ
hassl-4494	117	45	influence	influence	NOUN
hassl-4494	117	46	in	in	ADP
hassl-4494	117	47	the	the	DET
hassl-4494	117	48	modeling	modeling	NOUN
hassl-4494	117	49	.	.	PUNCT
hassl-4494	118	1	figure	figure	NOUN
hassl-4494	118	2	1	1	NUM
hassl-4494	118	3	.	.	PUNCT
hassl-4494	118	4	proposed	propose	VERB
hassl-4494	118	5	model	model	NOUN
hassl-4494	118	6	of	of	ADP
hassl-4494	118	7	small	small	ADJ
hassl-4494	118	8	and	and	CCONJ
hassl-4494	118	9	medium	medium	ADJ
hassl-4494	118	10	enterprise	enterprise	NOUN
hassl-4494	118	11	development	development	NOUN
hassl-4494	118	12	.	.	PUNCT
hassl-4494	119	1	3	3	X
hassl-4494	119	2	.	.	X
hassl-4494	119	3	methodology	methodology	NOUN
hassl-4494	119	4	this	this	DET
hassl-4494	119	5	research	research	NOUN
hassl-4494	119	6	aims	aim	VERB
hassl-4494	119	7	to	to	PART
hassl-4494	119	8	answer	answer	VERB
hassl-4494	119	9	how	how	SCONJ
hassl-4494	119	10	the	the	DET
hassl-4494	119	11	literacy	literacy	NOUN
hassl-4494	119	12	process	process	NOUN
hassl-4494	119	13	as	as	ADP
hassl-4494	119	14	knowledge	knowledge	NOUN
hassl-4494	119	15	in	in	ADP
hassl-4494	119	16	the	the	DET
hassl-4494	119	17	digital	digital	ADJ
hassl-4494	119	18	era	era	NOUN
hassl-4494	119	19	can	can	AUX
hassl-4494	119	20	provide	provide	VERB
hassl-4494	119	21	credit	credit	NOUN
hassl-4494	119	22	utilization	utilization	NOUN
hassl-4494	119	23	for	for	ADP
hassl-4494	119	24	smes	sme	NOUN
hassl-4494	119	25	in	in	ADP
hassl-4494	119	26	developing	develop	VERB
hassl-4494	119	27	their	their	PRON
hassl-4494	119	28	businesses	business	NOUN
hassl-4494	119	29	.	.	PUNCT
hassl-4494	120	1	the	the	DET
hassl-4494	120	2	novelty	novelty	NOUN
hassl-4494	120	3	of	of	ADP
hassl-4494	120	4	this	this	DET
hassl-4494	120	5	study	study	NOUN
hassl-4494	120	6	is	be	AUX
hassl-4494	120	7	that	that	SCONJ
hassl-4494	120	8	there	there	PRON
hassl-4494	120	9	are	be	VERB
hassl-4494	120	10	no	no	DET
hassl-4494	120	11	previous	previous	ADJ
hassl-4494	120	12	researchers	researcher	NOUN
hassl-4494	120	13	who	who	PRON
hassl-4494	120	14	have	have	AUX
hassl-4494	120	15	integrated	integrate	VERB
hassl-4494	120	16	the	the	DET
hassl-4494	120	17	variables	variable	NOUN
hassl-4494	120	18	of	of	ADP
hassl-4494	120	19	digital	digital	ADJ
hassl-4494	120	20	literacy	literacy	NOUN
hassl-4494	120	21	,	,	PUNCT
hassl-4494	120	22	credit	credit	NOUN
hassl-4494	120	23	access	access	NOUN
hassl-4494	120	24	,	,	PUNCT
hassl-4494	120	25	and	and	CCONJ
hassl-4494	120	26	business	business	NOUN
hassl-4494	120	27	development	development	NOUN
hassl-4494	120	28	using	use	VERB
hassl-4494	120	29	theoretical	theoretical	ADJ
hassl-4494	120	30	modeling	modeling	NOUN
hassl-4494	120	31	.	.	PUNCT
hassl-4494	121	1	it	it	PRON
hassl-4494	121	2	has	have	AUX
hassl-4494	121	3	identified	identify	VERB
hassl-4494	121	4	an	an	DET
hassl-4494	121	5	effective	effective	ADJ
hassl-4494	121	6	theoretical	theoretical	ADJ
hassl-4494	121	7	model	model	NOUN
hassl-4494	121	8	of	of	ADP
hassl-4494	121	9	the	the	DET
hassl-4494	121	10	total	total	ADJ
hassl-4494	121	11	effect	effect	NOUN
hassl-4494	121	12	of	of	ADP
hassl-4494	121	13	digital	digital	ADJ
hassl-4494	121	14	literacy	literacy	NOUN
hassl-4494	121	15	on	on	ADP
hassl-4494	121	16	increasing	increase	VERB
hassl-4494	121	17	business	business	NOUN
hassl-4494	121	18	development	development	NOUN
hassl-4494	121	19	through	through	ADP
hassl-4494	121	20	credit	credit	NOUN
hassl-4494	121	21	access	access	NOUN
hassl-4494	121	22	.	.	PUNCT
hassl-4494	122	1	this	this	DET
hassl-4494	122	2	research	research	NOUN
hassl-4494	122	3	also	also	ADV
hassl-4494	122	4	offers	offer	VERB
hassl-4494	122	5	recommendations	recommendation	NOUN
hassl-4494	122	6	for	for	ADP
hassl-4494	122	7	measurement	measurement	NOUN
hassl-4494	122	8	tools	tool	NOUN
hassl-4494	122	9	for	for	ADP
hassl-4494	122	10	these	these	DET
hassl-4494	122	11	three	three	NUM
hassl-4494	122	12	variables	variable	NOUN
hassl-4494	122	13	and	and	CCONJ
hassl-4494	122	14	empirically	empirically	ADV
hassl-4494	122	15	identified	identify	VERB
hassl-4494	122	16	low	low	ADJ
hassl-4494	122	17	measurable	measurable	ADJ
hassl-4494	122	18	indicators	indicator	NOUN
hassl-4494	122	19	.	.	PUNCT
hassl-4494	123	1	knowledge	knowledge	NOUN
hassl-4494	123	2	interventions	intervention	NOUN
hassl-4494	123	3	and	and	CCONJ
hassl-4494	123	4	financial	financial	ADJ
hassl-4494	123	5	access	access	NOUN
hassl-4494	123	6	are	be	AUX
hassl-4494	123	7	expected	expect	VERB
hassl-4494	123	8	to	to	PART
hassl-4494	123	9	support	support	VERB
hassl-4494	123	10	the	the	DET
hassl-4494	123	11	sme	sme	NOUN
hassl-4494	123	12	sector	sector	NOUN
hassl-4494	123	13	in	in	ADP
hassl-4494	123	14	surviving	survive	VERB
hassl-4494	123	15	and	and	CCONJ
hassl-4494	123	16	developing	develop	VERB
hassl-4494	123	17	in	in	ADP
hassl-4494	123	18	the	the	DET
hassl-4494	123	19	digital	digital	ADJ
hassl-4494	123	20	era	era	NOUN
hassl-4494	123	21	,	,	PUNCT
hassl-4494	123	22	especially	especially	ADV
hassl-4494	123	23	for	for	ADP
hassl-4494	123	24	start	start	VERB
hassl-4494	123	25	-	-	PUNCT
hassl-4494	123	26	up	up	ADP
hassl-4494	123	27	businesses	business	NOUN
hassl-4494	123	28	that	that	PRON
hassl-4494	123	29	are	be	AUX
hassl-4494	123	30	growing	grow	VERB
hassl-4494	123	31	rapidly	rapidly	ADV
hassl-4494	123	32	and	and	CCONJ
hassl-4494	123	33	facing	face	VERB
hassl-4494	123	34	fierce	fierce	ADJ
hassl-4494	123	35	competition	competition	NOUN
hassl-4494	123	36	.	.	PUNCT
hassl-4494	124	1	this	this	DET
hassl-4494	124	2	research	research	NOUN
hassl-4494	124	3	aims	aim	VERB
hassl-4494	124	4	to	to	PART
hassl-4494	124	5	obtain	obtain	VERB
hassl-4494	124	6	information	information	NOUN
hassl-4494	124	7	about	about	ADP
hassl-4494	124	8	the	the	DET
hassl-4494	124	9	causal	causal	ADJ
hassl-4494	124	10	relationship	relationship	NOUN
hassl-4494	124	11	and	and	CCONJ
hassl-4494	124	12	the	the	DET
hassl-4494	124	13	strength	strength	NOUN
hassl-4494	124	14	of	of	ADP
hassl-4494	124	15	the	the	DET
hassl-4494	124	16	relationship	relationship	NOUN
hassl-4494	124	17	between	between	ADP
hassl-4494	124	18	the	the	DET
hassl-4494	124	19	research	research	NOUN
hassl-4494	124	20	variables	variable	VERB
hassl-4494	124	21	from	from	ADP
hassl-4494	124	22	reliable	reliable	ADJ
hassl-4494	124	23	data	datum	NOUN
hassl-4494	124	24	and	and	CCONJ
hassl-4494	124	25	empirically	empirically	ADV
hassl-4494	124	26	proven	prove	VERB
hassl-4494	124	27	.	.	PUNCT
hassl-4494	125	1	a	a	DET
hassl-4494	125	2	research	research	NOUN
hassl-4494	125	3	model	model	NOUN
hassl-4494	125	4	of	of	ADP
hassl-4494	125	5	sme	sme	PROPN
hassl-4494	125	6	development	development	PROPN
hassl-4494	125	7	has	have	AUX
hassl-4494	125	8	been	be	AUX
hassl-4494	125	9	developed	develop	VERB
hassl-4494	125	10	,	,	PUNCT
hassl-4494	125	11	based	base	VERB
hassl-4494	125	12	on	on	ADP
hassl-4494	125	13	digital	digital	ADJ
hassl-4494	125	14	literacy	literacy	NOUN
hassl-4494	125	15	and	and	CCONJ
hassl-4494	125	16	the	the	DET
hassl-4494	125	17	use	use	NOUN
hassl-4494	125	18	of	of	ADP
hassl-4494	125	19	credit	credit	NOUN
hassl-4494	125	20	facilities	facility	NOUN
hassl-4494	125	21	.	.	PUNCT
hassl-4494	126	1	the	the	DET
hassl-4494	126	2	study	study	NOUN
hassl-4494	126	3	examines	examine	VERB
hassl-4494	126	4	the	the	DET
hassl-4494	126	5	effect	effect	NOUN
hassl-4494	126	6	of	of	ADP
hassl-4494	126	7	digital	digital	ADJ
hassl-4494	126	8	literacy	literacy	NOUN
hassl-4494	126	9	on	on	ADP
hassl-4494	126	10	sme	sme	PROPN
hassl-4494	126	11	development	development	PROPN
hassl-4494	126	12	,	,	PUNCT
hassl-4494	126	13	the	the	DET
hassl-4494	126	14	impact	impact	NOUN
hassl-4494	126	15	of	of	ADP
hassl-4494	126	16	digital	digital	ADJ
hassl-4494	126	17	literacy	literacy	NOUN
hassl-4494	126	18	on	on	ADP
hassl-4494	126	19	the	the	DET
hassl-4494	126	20	use	use	NOUN
hassl-4494	126	21	of	of	ADP
hassl-4494	126	22	credit	credit	NOUN
hassl-4494	126	23	facilities	facility	NOUN
hassl-4494	126	24	,	,	PUNCT
hassl-4494	126	25	the	the	DET
hassl-4494	126	26	influence	influence	NOUN
hassl-4494	126	27	of	of	ADP
hassl-4494	126	28	credit	credit	NOUN
hassl-4494	126	29	facilities	facility	NOUN
hassl-4494	126	30	on	on	ADP
hassl-4494	126	31	sme	sme	PROPN
hassl-4494	126	32	development	development	NOUN
hassl-4494	126	33	,	,	PUNCT
hassl-4494	126	34	and	and	CCONJ
hassl-4494	126	35	whether	whether	SCONJ
hassl-4494	126	36	the	the	DET
hassl-4494	126	37	use	use	NOUN
hassl-4494	126	38	of	of	ADP
hassl-4494	126	39	credit	credit	NOUN
hassl-4494	126	40	facilities	facility	NOUN
hassl-4494	126	41	mediates	mediate	VERB
hassl-4494	126	42	the	the	DET
hassl-4494	126	43	effect	effect	NOUN
hassl-4494	126	44	of	of	ADP
hassl-4494	126	45	digital	digital	ADJ
hassl-4494	126	46	literacy	literacy	NOUN
hassl-4494	126	47	on	on	ADP
hassl-4494	126	48	sme	sme	PROPN
hassl-4494	126	49	development	development	NOUN
hassl-4494	126	50	.	.	PUNCT
hassl-4494	127	1	3.1	3.1	NUM
hassl-4494	127	2	.	.	PUNCT
hassl-4494	128	1	participants	participant	VERB
hassl-4494	128	2	the	the	DET
hassl-4494	128	3	population	population	NOUN
hassl-4494	128	4	in	in	ADP
hassl-4494	128	5	this	this	DET
hassl-4494	128	6	study	study	NOUN
hassl-4494	128	7	consisted	consist	VERB
hassl-4494	128	8	of	of	ADP
hassl-4494	128	9	jakpreneur	jakpreneur	PROPN
hassl-4494	128	10	msme	msme	PROPN
hassl-4494	128	11	players	player	NOUN
hassl-4494	128	12	in	in	ADP
hassl-4494	128	13	jakarta	jakarta	PROPN
hassl-4494	128	14	.	.	PUNCT
hassl-4494	129	1	to	to	PART
hassl-4494	129	2	determine	determine	VERB
hassl-4494	129	3	the	the	DET
hassl-4494	129	4	sample	sample	NOUN
hassl-4494	129	5	size	size	NOUN
hassl-4494	129	6	,	,	PUNCT
hassl-4494	129	7	5	5	NUM
hassl-4494	129	8	%	%	NOUN
hassl-4494	129	9	of	of	ADP
hassl-4494	129	10	the	the	DET
hassl-4494	129	11	total	total	ADJ
hassl-4494	129	12	population	population	NOUN
hassl-4494	129	13	of	of	ADP
hassl-4494	129	14	1,251	1,251	NUM
hassl-4494	129	15	was	be	AUX
hassl-4494	129	16	used	use	VERB
hassl-4494	129	17	,	,	PUNCT
hassl-4494	129	18	resulting	result	VERB
hassl-4494	129	19	in	in	ADP
hassl-4494	129	20	a	a	DET
hassl-4494	129	21	sample	sample	NOUN
hassl-4494	129	22	of	of	ADP
hassl-4494	129	23	275	275	NUM
hassl-4494	129	24	smes	sme	NOUN
hassl-4494	129	25	.	.	PUNCT
hassl-4494	130	1	the	the	DET
hassl-4494	130	2	research	research	NOUN
hassl-4494	130	3	employed	employ	VERB
hassl-4494	130	4	a	a	DET
hassl-4494	130	5	quantitative	quantitative	ADJ
hassl-4494	130	6	method	method	NOUN
hassl-4494	130	7	with	with	ADP
hassl-4494	130	8	survey	survey	NOUN
hassl-4494	130	9	data	datum	NOUN
hassl-4494	130	10	collection	collection	NOUN
hassl-4494	130	11	techniques	technique	NOUN
hassl-4494	130	12	,	,	PUNCT
hassl-4494	130	13	and	and	CCONJ
hassl-4494	130	14	the	the	DET
hassl-4494	130	15	data	datum	NOUN
hassl-4494	130	16	obtained	obtain	VERB
hassl-4494	130	17	were	be	AUX
hassl-4494	130	18	processed	process	VERB
hassl-4494	130	19	using	use	VERB
hassl-4494	130	20	a	a	DET
hassl-4494	130	21	causal	causal	ADJ
hassl-4494	130	22	approach	approach	NOUN
hassl-4494	130	23	.	.	PUNCT
hassl-4494	131	1	the	the	DET
hassl-4494	131	2	analysis	analysis	NOUN
hassl-4494	131	3	of	of	ADP
hassl-4494	131	4	the	the	DET
hassl-4494	131	5	relationship	relationship	NOUN
hassl-4494	131	6	pattern	pattern	NOUN
hassl-4494	131	7	between	between	ADP
hassl-4494	131	8	variables	variable	NOUN
hassl-4494	131	9	aimed	aim	VERB
hassl-4494	131	10	to	to	PART
hassl-4494	131	11	identify	identify	VERB
hassl-4494	131	12	the	the	DET
hassl-4494	131	13	direct	direct	ADJ
hassl-4494	131	14	or	or	CCONJ
hassl-4494	131	15	indirect	indirect	ADJ
hassl-4494	131	16	effects	effect	NOUN
hassl-4494	131	17	between	between	ADP
hassl-4494	131	18	exogenous	exogenous	ADJ
hassl-4494	131	19	and	and	CCONJ
hassl-4494	131	20	endogenous	endogenous	ADJ
hassl-4494	131	21	variables	variable	NOUN
hassl-4494	131	22	using	use	VERB
hassl-4494	131	23	sem	sem	PROPN
hassl-4494	131	24	(	(	PUNCT
hassl-4494	131	25	structural	structural	ADJ
hassl-4494	131	26	equation	equation	NOUN
hassl-4494	131	27	modeling	modeling	NOUN
hassl-4494	131	28	)	)	PUNCT
hassl-4494	131	29	.	.	PUNCT
hassl-4494	132	1	3.2	3.2	NUM
hassl-4494	132	2	.	.	PUNCT
hassl-4494	133	1	data	datum	NOUN
hassl-4494	133	2	analysis	analysis	NOUN
hassl-4494	133	3	the	the	DET
hassl-4494	133	4	data	datum	NOUN
hassl-4494	133	5	analysis	analysis	NOUN
hassl-4494	133	6	technique	technique	NOUN
hassl-4494	133	7	in	in	ADP
hassl-4494	133	8	this	this	DET
hassl-4494	133	9	study	study	NOUN
hassl-4494	133	10	uses	use	VERB
hassl-4494	133	11	partial	partial	ADJ
hassl-4494	133	12	least	least	ADJ
hassl-4494	133	13	squares	square	NOUN
hassl-4494	133	14	(	(	PUNCT
hassl-4494	133	15	pls	pls	INTJ
hassl-4494	133	16	)	)	PUNCT
hassl-4494	133	17	.	.	PUNCT
hassl-4494	134	1	pls	pls	PROPN
hassl-4494	134	2	is	be	AUX
hassl-4494	134	3	a	a	DET
hassl-4494	134	4	powerful	powerful	ADJ
hassl-4494	134	5	analytical	analytical	ADJ
hassl-4494	134	6	method	method	NOUN
hassl-4494	134	7	because	because	SCONJ
hassl-4494	134	8	it	it	PRON
hassl-4494	134	9	is	be	AUX
hassl-4494	134	10	not	not	PART
hassl-4494	134	11	based	base	VERB
hassl-4494	134	12	on	on	ADP
hassl-4494	134	13	many	many	ADJ
hassl-4494	134	14	assumptions	assumption	NOUN
hassl-4494	134	15	that	that	SCONJ
hassl-4494	134	16	data	datum	NOUN
hassl-4494	134	17	must	must	AUX
hassl-4494	134	18	be	be	AUX
hassl-4494	134	19	normally	normally	ADV
hassl-4494	134	20	distributed	distribute	VERB
hassl-4494	134	21	,	,	PUNCT
hassl-4494	134	22	and	and	CCONJ
hassl-4494	134	23	the	the	DET
hassl-4494	134	24	sample	sample	NOUN
hassl-4494	134	25	does	do	AUX
hassl-4494	134	26	not	not	PART
hassl-4494	134	27	have	have	VERB
hassl-4494	134	28	to	to	PART
hassl-4494	134	29	be	be	AUX
hassl-4494	134	30	large	large	ADJ
hassl-4494	134	31	.	.	PUNCT
hassl-4494	135	1	the	the	DET
hassl-4494	135	2	purpose	purpose	NOUN
hassl-4494	135	3	of	of	ADP
hassl-4494	135	4	pls	pls	NOUN
hassl-4494	135	5	-	-	PUNCT
hassl-4494	135	6	sem	sem	NOUN
hassl-4494	135	7	is	be	AUX
hassl-4494	135	8	to	to	PART
hassl-4494	135	9	develop	develop	VERB
hassl-4494	135	10	or	or	CCONJ
hassl-4494	135	11	build	build	VERB
hassl-4494	135	12	a	a	DET
hassl-4494	135	13	theory	theory	NOUN
hassl-4494	135	14	with	with	ADP
hassl-4494	135	15	a	a	DET
hassl-4494	135	16	prediction	prediction	NOUN
hassl-4494	135	17	orientation	orientation	NOUN
hassl-4494	135	18	(	(	PUNCT
hassl-4494	135	19	shmueli	shmueli	ADV
hassl-4494	135	20	et	et	PROPN
hassl-4494	135	21	al	al	PROPN
hassl-4494	135	22	.	.	PROPN
hassl-4494	135	23	,	,	PUNCT
hassl-4494	135	24	2019	2019	NUM
hassl-4494	135	25	)	)	PUNCT
hassl-4494	135	26	.	.	PUNCT
hassl-4494	136	1	humanities	humanity	NOUN
hassl-4494	136	2	and	and	CCONJ
hassl-4494	136	3	social	social	ADJ
hassl-4494	136	4	sciences	science	NOUN
hassl-4494	136	5	letters	letter	NOUN
hassl-4494	136	6	,	,	PUNCT
hassl-4494	136	7	2025	2025	NUM
hassl-4494	136	8	,	,	PUNCT
hassl-4494	136	9	13(4	13(4	NUM
hassl-4494	136	10	):	):	PUNCT
hassl-4494	136	11	1287	1287	NUM
hassl-4494	136	12	-	-	SYM
hassl-4494	136	13	1303	1303	NUM
hassl-4494	136	14	1292	1292	NUM
hassl-4494	136	15	©	©	PROPN
hassl-4494	136	16	2025	2025	NUM
hassl-4494	136	17	conscientia	conscientia	PROPN
hassl-4494	136	18	beam	beam	PROPN
hassl-4494	136	19	.	.	PUNCT
hassl-4494	137	1	all	all	DET
hassl-4494	137	2	rights	right	NOUN
hassl-4494	137	3	reserved	reserve	VERB
hassl-4494	137	4	.	.	PUNCT
hassl-4494	138	1	pls	pls	PROPN
hassl-4494	138	2	can	can	AUX
hassl-4494	138	3	be	be	AUX
hassl-4494	138	4	used	use	VERB
hassl-4494	138	5	to	to	PART
hassl-4494	138	6	describe	describe	VERB
hassl-4494	138	7	whether	whether	SCONJ
hassl-4494	138	8	there	there	PRON
hassl-4494	138	9	is	be	VERB
hassl-4494	138	10	a	a	DET
hassl-4494	138	11	relationship	relationship	NOUN
hassl-4494	138	12	between	between	ADP
hassl-4494	138	13	latent	latent	NOUN
hassl-4494	138	14	variables	variable	NOUN
hassl-4494	138	15	.	.	PUNCT
hassl-4494	139	1	this	this	DET
hassl-4494	139	2	study	study	NOUN
hassl-4494	139	3	has	have	VERB
hassl-4494	139	4	a	a	DET
hassl-4494	139	5	complex	complex	ADJ
hassl-4494	139	6	model	model	NOUN
hassl-4494	139	7	and	and	CCONJ
hassl-4494	139	8	a	a	DET
hassl-4494	139	9	limited	limited	ADJ
hassl-4494	139	10	number	number	NOUN
hassl-4494	139	11	of	of	ADP
hassl-4494	139	12	samples	sample	NOUN
hassl-4494	139	13	,	,	PUNCT
hassl-4494	139	14	so	so	SCONJ
hassl-4494	139	15	data	datum	NOUN
hassl-4494	139	16	analysis	analysis	NOUN
hassl-4494	139	17	is	be	AUX
hassl-4494	139	18	conducted	conduct	VERB
hassl-4494	139	19	using	use	VERB
hassl-4494	139	20	smartpls	smartpls	PROPN
hassl-4494	139	21	software	software	NOUN
hassl-4494	139	22	.	.	PUNCT
hassl-4494	140	1	smartpls	smartpls	PROPN
hassl-4494	140	2	employs	employ	VERB
hassl-4494	140	3	the	the	DET
hassl-4494	140	4	bootstrapping	bootstrappe	VERB
hassl-4494	140	5	method	method	NOUN
hassl-4494	140	6	or	or	CCONJ
hassl-4494	140	7	random	random	ADJ
hassl-4494	140	8	resampling	resampling	NOUN
hassl-4494	140	9	.	.	PUNCT
hassl-4494	141	1	therefore	therefore	ADV
hassl-4494	141	2	,	,	PUNCT
hassl-4494	141	3	the	the	DET
hassl-4494	141	4	normality	normality	NOUN
hassl-4494	141	5	assumption	assumption	NOUN
hassl-4494	141	6	is	be	AUX
hassl-4494	141	7	not	not	PART
hassl-4494	141	8	a	a	DET
hassl-4494	141	9	concern	concern	NOUN
hassl-4494	141	10	.	.	PUNCT
hassl-4494	142	1	additionally	additionally	ADV
hassl-4494	142	2	,	,	PUNCT
hassl-4494	142	3	by	by	ADP
hassl-4494	142	4	bootstrapping	bootstrappe	VERB
hassl-4494	142	5	,	,	PUNCT
hassl-4494	142	6	smartpls	smartpls	PROPN
hassl-4494	142	7	does	do	AUX
hassl-4494	142	8	not	not	PART
hassl-4494	142	9	require	require	VERB
hassl-4494	142	10	a	a	DET
hassl-4494	142	11	minimum	minimum	ADJ
hassl-4494	142	12	number	number	NOUN
hassl-4494	142	13	of	of	ADP
hassl-4494	142	14	samples	sample	NOUN
hassl-4494	142	15	,	,	PUNCT
hassl-4494	142	16	making	make	VERB
hassl-4494	142	17	it	it	PRON
hassl-4494	142	18	suitable	suitable	ADJ
hassl-4494	142	19	for	for	ADP
hassl-4494	142	20	research	research	NOUN
hassl-4494	142	21	with	with	ADP
hassl-4494	142	22	a	a	DET
hassl-4494	142	23	small	small	ADJ
hassl-4494	142	24	sample	sample	NOUN
hassl-4494	142	25	size	size	NOUN
hassl-4494	142	26	(	(	PUNCT
hassl-4494	142	27	willaby	willaby	NOUN
hassl-4494	142	28	,	,	PUNCT
hassl-4494	142	29	costa	costa	PROPN
hassl-4494	142	30	,	,	PUNCT
hassl-4494	142	31	burns	burn	NOUN
hassl-4494	142	32	,	,	PUNCT
hassl-4494	142	33	maccann	maccann	NOUN
hassl-4494	142	34	,	,	PUNCT
hassl-4494	142	35	&	&	CCONJ
hassl-4494	142	36	roberts	roberts	PROPN
hassl-4494	142	37	,	,	PUNCT
hassl-4494	142	38	2015	2015	NUM
hassl-4494	142	39	)	)	PUNCT
hassl-4494	142	40	.	.	PUNCT
hassl-4494	143	1	test	test	VERB
hassl-4494	143	2	the	the	DET
hassl-4494	143	3	validity	validity	NOUN
hassl-4494	143	4	and	and	CCONJ
hassl-4494	143	5	reliability	reliability	NOUN
hassl-4494	143	6	of	of	ADP
hassl-4494	143	7	construct	construct	VERB
hassl-4494	143	8	measurement	measurement	NOUN
hassl-4494	143	9	models	model	NOUN
hassl-4494	143	10	with	with	ADP
hassl-4494	143	11	cronbach	cronbach	ADJ
hassl-4494	143	12	score	score	NOUN
hassl-4494	143	13	criteria	criterion	NOUN
hassl-4494	143	14	equal	equal	ADJ
hassl-4494	143	15	to	to	ADP
hassl-4494	143	16	or	or	CCONJ
hassl-4494	143	17	higher	high	ADJ
hassl-4494	143	18	than	than	ADP
hassl-4494	143	19	0.6	0.6	NUM
hassl-4494	143	20	(	(	PUNCT
hassl-4494	143	21	hair	hair	NOUN
hassl-4494	143	22	,	,	PUNCT
hassl-4494	143	23	william	william	PROPN
hassl-4494	143	24	,	,	PUNCT
hassl-4494	143	25	babin	babin	PROPN
hassl-4494	143	26	,	,	PUNCT
hassl-4494	143	27	&	&	CCONJ
hassl-4494	143	28	anderson	anderson	PROPN
hassl-4494	143	29	,	,	PUNCT
hassl-4494	143	30	2006	2006	NUM
hassl-4494	143	31	)	)	PUNCT
hassl-4494	143	32	and	and	CCONJ
hassl-4494	143	33	acceptable	acceptable	ADJ
hassl-4494	143	34	scores	score	NOUN
hassl-4494	143	35	above	above	ADP
hassl-4494	143	36	0.5	0.5	NUM
hassl-4494	143	37	,	,	PUNCT
hassl-4494	143	38	with	with	ADP
hassl-4494	143	39	a	a	DET
hassl-4494	143	40	threshold	threshold	NOUN
hassl-4494	143	41	of	of	ADP
hassl-4494	143	42	0.7	0.7	NUM
hassl-4494	143	43	when	when	SCONJ
hassl-4494	143	44	it	it	PRON
hassl-4494	143	45	is	be	AUX
hassl-4494	143	46	equal	equal	ADJ
hassl-4494	143	47	to	to	ADP
hassl-4494	143	48	or	or	CCONJ
hassl-4494	143	49	higher	high	ADJ
hassl-4494	143	50	than	than	ADP
hassl-4494	143	51	that	that	DET
hassl-4494	143	52	value	value	NOUN
hassl-4494	143	53	(	(	PUNCT
hassl-4494	143	54	hair	hair	NOUN
hassl-4494	143	55	jr	jr	PROPN
hassl-4494	143	56	,	,	PUNCT
hassl-4494	143	57	babin	babin	PROPN
hassl-4494	143	58	,	,	PUNCT
hassl-4494	143	59	&	&	CCONJ
hassl-4494	143	60	krey	krey	PROPN
hassl-4494	143	61	,	,	PUNCT
hassl-4494	143	62	2017	2017	NUM
hassl-4494	143	63	)	)	PUNCT
hassl-4494	143	64	.	.	PUNCT
hassl-4494	144	1	furthermore	furthermore	ADV
hassl-4494	144	2	,	,	PUNCT
hassl-4494	144	3	hypothesis	hypothesis	NOUN
hassl-4494	144	4	testing	testing	NOUN
hassl-4494	144	5	is	be	AUX
hassl-4494	144	6	carried	carry	VERB
hassl-4494	144	7	out	out	ADP
hassl-4494	144	8	with	with	ADP
hassl-4494	144	9	the	the	DET
hassl-4494	144	10	prerequisite	prerequisite	NOUN
hassl-4494	144	11	tests	test	NOUN
hassl-4494	144	12	of	of	ADP
hassl-4494	144	13	data	datum	NOUN
hassl-4494	144	14	normality	normality	NOUN
hassl-4494	144	15	,	,	PUNCT
hassl-4494	144	16	linearity	linearity	NOUN
hassl-4494	144	17	,	,	PUNCT
hassl-4494	144	18	and	and	CCONJ
hassl-4494	144	19	significance	significance	NOUN
hassl-4494	144	20	of	of	ADP
hassl-4494	144	21	the	the	DET
hassl-4494	144	22	regression	regression	NOUN
hassl-4494	144	23	coefficient	coefficient	NOUN
hassl-4494	144	24	and	and	CCONJ
hassl-4494	144	25	correlation	correlation	NOUN
hassl-4494	144	26	.	.	PUNCT
hassl-4494	145	1	to	to	PART
hassl-4494	145	2	test	test	VERB
hassl-4494	145	3	the	the	DET
hassl-4494	145	4	goodness	goodness	NOUN
hassl-4494	145	5	-	-	PUNCT
hassl-4494	145	6	of	of	ADP
hassl-4494	145	7	-	-	PUNCT
hassl-4494	145	8	fit	fit	NOUN
hassl-4494	145	9	model	model	NOUN
hassl-4494	145	10	,	,	PUNCT
hassl-4494	145	11	several	several	ADJ
hassl-4494	145	12	measurement	measurement	NOUN
hassl-4494	145	13	criteria	criterion	NOUN
hassl-4494	145	14	must	must	AUX
hassl-4494	145	15	be	be	AUX
hassl-4494	145	16	met	meet	VERB
hassl-4494	145	17	with	with	ADP
hassl-4494	145	18	probability	probability	NOUN
hassl-4494	145	19	>	>	SYM
hassl-4494	145	20	0.5	0.5	NUM
hassl-4494	145	21	(	(	PUNCT
hassl-4494	145	22	gäde	gäde	PROPN
hassl-4494	145	23	&	&	CCONJ
hassl-4494	145	24	schermellehengel	schermellehengel	NOUN
hassl-4494	145	25	,	,	PUNCT
hassl-4494	145	26	2023	2023	NUM
hassl-4494	145	27	)	)	PUNCT
hassl-4494	145	28	,	,	PUNCT
hassl-4494	145	29	rmsea	rmsea	NOUN
hassl-4494	145	30	<	<	X
hassl-4494	145	31	0.05	0.05	NUM
hassl-4494	145	32	,	,	PUNCT
hassl-4494	145	33	and	and	CCONJ
hassl-4494	145	34	cfi	cfi	X
hassl-4494	145	35	>	>	PUNCT
hassl-4494	145	36	0.95	0.95	NUM
hassl-4494	145	37	(	(	PUNCT
hassl-4494	145	38	hu	hu	PROPN
hassl-4494	145	39	&	&	CCONJ
hassl-4494	145	40	bentler	bentler	PROPN
hassl-4494	145	41	,	,	PUNCT
hassl-4494	145	42	1999	1999	NUM
hassl-4494	145	43	)	)	PUNCT
hassl-4494	145	44	,	,	PUNCT
hassl-4494	145	45	cmin	cmin	PROPN
hassl-4494	145	46	/	/	SYM
hassl-4494	145	47	df	df	PROPN
hassl-4494	145	48	values	value	NOUN
hassl-4494	145	49	<	<	X
hassl-4494	145	50	2	2	NUM
hassl-4494	145	51	(	(	PUNCT
hassl-4494	145	52	tabachnick	tabachnick	NOUN
hassl-4494	145	53	&	&	CCONJ
hassl-4494	145	54	fidell	fidell	PROPN
hassl-4494	145	55	,	,	PUNCT
hassl-4494	145	56	2007	2007	NUM
hassl-4494	145	57	)	)	PUNCT
hassl-4494	145	58	.	.	PUNCT
hassl-4494	146	1	the	the	DET
hassl-4494	146	2	mediating	mediate	VERB
hassl-4494	146	3	effect	effect	NOUN
hassl-4494	146	4	of	of	ADP
hassl-4494	146	5	variables	variable	NOUN
hassl-4494	146	6	used	use	VERB
hassl-4494	146	7	the	the	DET
hassl-4494	146	8	hayes	hayes	PROPN
hassl-4494	146	9	model	model	PROPN
hassl-4494	146	10	,	,	PUNCT
hassl-4494	146	11	which	which	PRON
hassl-4494	146	12	can	can	AUX
hassl-4494	146	13	measure	measure	VERB
hassl-4494	146	14	the	the	DET
hassl-4494	146	15	partial	partial	ADJ
hassl-4494	146	16	and	and	CCONJ
hassl-4494	146	17	total	total	ADJ
hassl-4494	146	18	effects	effect	NOUN
hassl-4494	146	19	of	of	ADP
hassl-4494	146	20	research	research	NOUN
hassl-4494	146	21	with	with	ADP
hassl-4494	146	22	moderator	moderator	NOUN
hassl-4494	146	23	and	and	CCONJ
hassl-4494	146	24	mediator	mediator	NOUN
hassl-4494	146	25	variables	variable	NOUN
hassl-4494	146	26	(	(	PUNCT
hassl-4494	146	27	hayes	hayes	PROPN
hassl-4494	146	28	,	,	PUNCT
hassl-4494	146	29	2015	2015	NUM
hassl-4494	146	30	)	)	PUNCT
hassl-4494	146	31	.	.	PUNCT
hassl-4494	147	1	3.3	3.3	NUM
hassl-4494	147	2	.	.	PUNCT
hassl-4494	148	1	outer	outer	ADJ
hassl-4494	148	2	model	model	NOUN
hassl-4494	148	3	evaluation	evaluation	NOUN
hassl-4494	148	4	the	the	DET
hassl-4494	148	5	outer	outer	ADJ
hassl-4494	148	6	model	model	NOUN
hassl-4494	148	7	or	or	CCONJ
hassl-4494	148	8	measurement	measurement	NOUN
hassl-4494	148	9	model	model	NOUN
hassl-4494	148	10	defines	define	VERB
hassl-4494	148	11	how	how	SCONJ
hassl-4494	148	12	each	each	DET
hassl-4494	148	13	indicator	indicator	NOUN
hassl-4494	148	14	block	block	NOUN
hassl-4494	148	15	is	be	AUX
hassl-4494	148	16	related	relate	VERB
hassl-4494	148	17	to	to	ADP
hassl-4494	148	18	each	each	DET
hassl-4494	148	19	manifest	manif	ADJ
hassl-4494	148	20	variable	variable	NOUN
hassl-4494	148	21	in	in	ADP
hassl-4494	148	22	the	the	DET
hassl-4494	148	23	form	form	NOUN
hassl-4494	148	24	of	of	ADP
hassl-4494	148	25	indicators	indicator	NOUN
hassl-4494	148	26	or	or	CCONJ
hassl-4494	148	27	instruments	instrument	NOUN
hassl-4494	148	28	related	relate	VERB
hassl-4494	148	29	to	to	ADP
hassl-4494	148	30	the	the	DET
hassl-4494	148	31	latent	latent	NOUN
hassl-4494	148	32	variable	variable	NOUN
hassl-4494	148	33	.	.	PUNCT
hassl-4494	149	1	latent	latent	NOUN
hassl-4494	149	2	variables	variable	NOUN
hassl-4494	149	3	in	in	ADP
hassl-4494	149	4	pls	pls	NOUN
hassl-4494	149	5	-	-	PUNCT
hassl-4494	149	6	sem	sem	NOUN
hassl-4494	149	7	have	have	VERB
hassl-4494	149	8	the	the	DET
hassl-4494	149	9	meaning	meaning	NOUN
hassl-4494	149	10	of	of	ADP
hassl-4494	149	11	quantitative	quantitative	ADJ
hassl-4494	149	12	value	value	NOUN
hassl-4494	149	13	variables	variable	NOUN
hassl-4494	149	14	that	that	PRON
hassl-4494	149	15	can	can	AUX
hassl-4494	149	16	not	not	PART
hassl-4494	149	17	be	be	AUX
hassl-4494	149	18	observed	observe	VERB
hassl-4494	149	19	directly	directly	ADV
hassl-4494	149	20	but	but	CCONJ
hassl-4494	149	21	can	can	AUX
hassl-4494	149	22	be	be	AUX
hassl-4494	149	23	inferred	infer	VERB
hassl-4494	149	24	using	use	VERB
hassl-4494	149	25	mathematical	mathematical	ADJ
hassl-4494	149	26	methods	method	NOUN
hassl-4494	149	27	from	from	ADP
hassl-4494	149	28	other	other	ADJ
hassl-4494	149	29	variables	variable	NOUN
hassl-4494	149	30	that	that	PRON
hassl-4494	149	31	are	be	AUX
hassl-4494	149	32	being	be	AUX
hassl-4494	149	33	measured	measure	VERB
hassl-4494	149	34	directly	directly	ADV
hassl-4494	149	35	.	.	PUNCT
hassl-4494	150	1	meanwhile	meanwhile	ADV
hassl-4494	150	2	,	,	PUNCT
hassl-4494	150	3	manifest	manifest	ADJ
hassl-4494	150	4	variables	variable	NOUN
hassl-4494	150	5	are	be	AUX
hassl-4494	150	6	defined	define	VERB
hassl-4494	150	7	as	as	ADP
hassl-4494	150	8	variables	variable	NOUN
hassl-4494	150	9	whose	whose	DET
hassl-4494	150	10	quantitative	quantitative	ADJ
hassl-4494	150	11	magnitude	magnitude	NOUN
hassl-4494	150	12	can	can	AUX
hassl-4494	150	13	be	be	AUX
hassl-4494	150	14	known	know	VERB
hassl-4494	150	15	directly	directly	ADV
hassl-4494	150	16	,	,	PUNCT
hassl-4494	150	17	which	which	PRON
hassl-4494	150	18	in	in	ADP
hassl-4494	150	19	this	this	DET
hassl-4494	150	20	research	research	NOUN
hassl-4494	150	21	is	be	AUX
hassl-4494	150	22	in	in	ADP
hassl-4494	150	23	the	the	DET
hassl-4494	150	24	form	form	NOUN
hassl-4494	150	25	of	of	ADP
hassl-4494	150	26	respondents	respondent	NOUN
hassl-4494	150	27	'	'	PART
hassl-4494	150	28	scores	score	NOUN
hassl-4494	150	29	on	on	ADP
hassl-4494	150	30	each	each	DET
hassl-4494	150	31	questionnaire	questionnaire	NOUN
hassl-4494	150	32	.	.	PUNCT
hassl-4494	151	1	3.4	3.4	NUM
hassl-4494	151	2	.	.	PUNCT
hassl-4494	151	3	inner	inner	ADJ
hassl-4494	151	4	model	model	NOUN
hassl-4494	151	5	evaluation	evaluation	NOUN
hassl-4494	151	6	testing	testing	NOUN
hassl-4494	151	7	this	this	DET
hassl-4494	151	8	model	model	NOUN
hassl-4494	151	9	involves	involve	VERB
hassl-4494	151	10	the	the	DET
hassl-4494	151	11	development	development	NOUN
hassl-4494	151	12	of	of	ADP
hassl-4494	151	13	a	a	DET
hassl-4494	151	14	conceptand	conceptand	NOUN
hassl-4494	151	15	theory	theory	NOUN
hassl-4494	151	16	-	-	PUNCT
hassl-4494	151	17	based	base	VERB
hassl-4494	151	18	model	model	NOUN
hassl-4494	151	19	to	to	PART
hassl-4494	151	20	analyze	analyze	VERB
hassl-4494	151	21	the	the	DET
hassl-4494	151	22	relationship	relationship	NOUN
hassl-4494	151	23	between	between	ADP
hassl-4494	151	24	exogenous	exogenous	ADJ
hassl-4494	151	25	and	and	CCONJ
hassl-4494	151	26	endogenous	endogenous	ADJ
hassl-4494	151	27	variables	variable	NOUN
hassl-4494	151	28	,	,	PUNCT
hassl-4494	151	29	as	as	SCONJ
hassl-4494	151	30	described	describe	VERB
hassl-4494	151	31	in	in	ADP
hassl-4494	151	32	the	the	DET
hassl-4494	151	33	conceptual	conceptual	ADJ
hassl-4494	151	34	framework	framework	NOUN
hassl-4494	151	35	.	.	PUNCT
hassl-4494	152	1	exogenous	exogenous	ADJ
hassl-4494	152	2	latent	latent	NOUN
hassl-4494	152	3	variables	variable	NOUN
hassl-4494	152	4	are	be	AUX
hassl-4494	152	5	independent	independent	ADJ
hassl-4494	152	6	variables	variable	NOUN
hassl-4494	152	7	,	,	PUNCT
hassl-4494	152	8	while	while	SCONJ
hassl-4494	152	9	endogenous	endogenous	ADJ
hassl-4494	152	10	latent	latent	NOUN
hassl-4494	152	11	variables	variable	NOUN
hassl-4494	152	12	are	be	AUX
hassl-4494	152	13	variables	variable	NOUN
hassl-4494	152	14	that	that	PRON
hassl-4494	152	15	were	be	AUX
hassl-4494	152	16	previously	previously	ADV
hassl-4494	152	17	dependent	dependent	ADJ
hassl-4494	152	18	variables	variable	NOUN
hassl-4494	152	19	.	.	PUNCT
hassl-4494	153	1	thus	thus	ADV
hassl-4494	153	2	,	,	PUNCT
hassl-4494	153	3	the	the	DET
hassl-4494	153	4	testing	testing	NOUN
hassl-4494	153	5	of	of	ADP
hassl-4494	153	6	the	the	DET
hassl-4494	153	7	structural	structural	ADJ
hassl-4494	153	8	model	model	NOUN
hassl-4494	153	9	is	be	AUX
hassl-4494	153	10	evaluated	evaluate	VERB
hassl-4494	153	11	using	use	VERB
hassl-4494	153	12	r	r	NOUN
hassl-4494	153	13	-	-	PUNCT
hassl-4494	153	14	square	square	ADJ
hassl-4494	153	15	,	,	PUNCT
hassl-4494	153	16	ƒ	ƒ	NOUN
hassl-4494	153	17	-	-	NOUN
hassl-4494	153	18	square	square	ADJ
hassl-4494	153	19	,	,	PUNCT
hassl-4494	153	20	and	and	CCONJ
hassl-4494	153	21	variance	variance	NOUN
hassl-4494	153	22	inflation	inflation	NOUN
hassl-4494	153	23	factor	factor	NOUN
hassl-4494	153	24	(	(	PUNCT
hassl-4494	153	25	vif	vif	PROPN
hassl-4494	153	26	)	)	PUNCT
hassl-4494	153	27	.	.	PUNCT
hassl-4494	154	1	3.5	3.5	NUM
hassl-4494	154	2	.	.	PUNCT
hassl-4494	154	3	hypothesis	hypothesis	NOUN
hassl-4494	154	4	testing	testing	NOUN
hassl-4494	154	5	according	accord	VERB
hassl-4494	154	6	to	to	ADP
hassl-4494	154	7	carrión	carrión	PROPN
hassl-4494	154	8	,	,	PUNCT
hassl-4494	154	9	nitzl	nitzl	NOUN
hassl-4494	154	10	,	,	PUNCT
hassl-4494	154	11	and	and	CCONJ
hassl-4494	154	12	roldán	roldán	INTJ
hassl-4494	154	13	(	(	PUNCT
hassl-4494	154	14	2017	2017	NUM
hassl-4494	154	15	)	)	PUNCT
hassl-4494	154	16	,	,	PUNCT
hassl-4494	154	17	analyzing	analyze	VERB
hassl-4494	154	18	the	the	DET
hassl-4494	154	19	mediation	mediation	NOUN
hassl-4494	154	20	effect	effect	NOUN
hassl-4494	154	21	is	be	AUX
hassl-4494	154	22	necessary	necessary	ADJ
hassl-4494	154	23	to	to	PART
hassl-4494	154	24	examine	examine	VERB
hassl-4494	154	25	changes	change	NOUN
hassl-4494	154	26	in	in	ADP
hassl-4494	154	27	the	the	DET
hassl-4494	154	28	influence	influence	NOUN
hassl-4494	154	29	of	of	ADP
hassl-4494	154	30	direct	direct	ADJ
hassl-4494	154	31	and	and	CCONJ
hassl-4494	154	32	indirect	indirect	ADJ
hassl-4494	154	33	relationships	relationship	NOUN
hassl-4494	154	34	.	.	PUNCT
hassl-4494	155	1	this	this	DET
hassl-4494	155	2	indirect	indirect	ADJ
hassl-4494	155	3	effect	effect	NOUN
hassl-4494	155	4	tests	test	VERB
hassl-4494	155	5	the	the	DET
hassl-4494	155	6	hypothesis	hypothesis	NOUN
hassl-4494	155	7	of	of	ADP
hassl-4494	155	8	an	an	DET
hassl-4494	155	9	indirect	indirect	ADJ
hassl-4494	155	10	influence	influence	NOUN
hassl-4494	155	11	of	of	ADP
hassl-4494	155	12	an	an	DET
hassl-4494	155	13	independent	independent	ADJ
hassl-4494	155	14	variable	variable	NOUN
hassl-4494	155	15	on	on	ADP
hassl-4494	155	16	a	a	DET
hassl-4494	155	17	dependent	dependent	ADJ
hassl-4494	155	18	variable	variable	NOUN
hassl-4494	155	19	mediated	mediate	VERB
hassl-4494	155	20	by	by	ADP
hassl-4494	155	21	a	a	DET
hassl-4494	155	22	third	third	ADJ
hassl-4494	155	23	variable	variable	NOUN
hassl-4494	155	24	,	,	PUNCT
hassl-4494	155	25	as	as	SCONJ
hassl-4494	155	26	evidenced	evidence	VERB
hassl-4494	155	27	by	by	ADP
hassl-4494	155	28	bootstrapping	bootstrappe	VERB
hassl-4494	155	29	results	result	NOUN
hassl-4494	155	30	.	.	PUNCT
hassl-4494	156	1	in	in	ADP
hassl-4494	156	2	the	the	DET
hassl-4494	156	3	specific	specific	ADJ
hassl-4494	156	4	indirect	indirect	ADJ
hassl-4494	156	5	effect	effect	NOUN
hassl-4494	156	6	column	column	NOUN
hassl-4494	156	7	,	,	PUNCT
hassl-4494	156	8	the	the	DET
hassl-4494	156	9	purpose	purpose	NOUN
hassl-4494	156	10	is	be	AUX
hassl-4494	156	11	to	to	PART
hassl-4494	156	12	understand	understand	VERB
hassl-4494	156	13	how	how	SCONJ
hassl-4494	156	14	the	the	DET
hassl-4494	156	15	intervening	intervene	VERB
hassl-4494	156	16	variable	variable	NOUN
hassl-4494	156	17	influences	influence	VERB
hassl-4494	156	18	the	the	DET
hassl-4494	156	19	relationship	relationship	NOUN
hassl-4494	156	20	between	between	ADP
hassl-4494	156	21	the	the	DET
hassl-4494	156	22	independent	independent	ADJ
hassl-4494	156	23	and	and	CCONJ
hassl-4494	156	24	dependent	dependent	ADJ
hassl-4494	156	25	variables	variable	NOUN
hassl-4494	156	26	.	.	PUNCT
hassl-4494	157	1	to	to	PART
hassl-4494	157	2	evaluate	evaluate	VERB
hassl-4494	157	3	the	the	DET
hassl-4494	157	4	relationships	relationship	NOUN
hassl-4494	157	5	within	within	ADP
hassl-4494	157	6	the	the	DET
hassl-4494	157	7	proposed	propose	VERB
hassl-4494	157	8	model	model	NOUN
hassl-4494	157	9	,	,	PUNCT
hassl-4494	157	10	the	the	DET
hassl-4494	157	11	research	research	NOUN
hassl-4494	157	12	employed	employ	VERB
hassl-4494	157	13	exploratory	exploratory	ADJ
hassl-4494	157	14	factor	factor	NOUN
hassl-4494	157	15	analysis	analysis	NOUN
hassl-4494	157	16	(	(	PUNCT
hassl-4494	157	17	efa	efa	PROPN
hassl-4494	157	18	)	)	PUNCT
hassl-4494	157	19	followed	follow	VERB
hassl-4494	157	20	by	by	ADP
hassl-4494	157	21	confirmatory	confirmatory	ADJ
hassl-4494	157	22	factor	factor	NOUN
hassl-4494	157	23	analysis	analysis	NOUN
hassl-4494	157	24	(	(	PUNCT
hassl-4494	157	25	cfa	cfa	NOUN
hassl-4494	157	26	)	)	PUNCT
hassl-4494	157	27	.	.	PUNCT
hassl-4494	158	1	predictor	predictor	PROPN
hassl-4494	158	2	variables	variable	NOUN
hassl-4494	158	3	,	,	PUNCT
hassl-4494	158	4	outcome	outcome	NOUN
hassl-4494	158	5	variables	variable	NOUN
hassl-4494	158	6	,	,	PUNCT
hassl-4494	158	7	and	and	CCONJ
hassl-4494	158	8	mediator	mediator	NOUN
hassl-4494	158	9	variables	variable	NOUN
hassl-4494	158	10	are	be	AUX
hassl-4494	158	11	arranged	arrange	VERB
hassl-4494	158	12	according	accord	VERB
hassl-4494	158	13	to	to	ADP
hassl-4494	158	14	standard	standard	ADJ
hassl-4494	158	15	procedures	procedure	NOUN
hassl-4494	158	16	for	for	ADP
hassl-4494	158	17	testing	testing	NOUN
hassl-4494	158	18	and	and	CCONJ
hassl-4494	158	19	developing	develop	VERB
hassl-4494	158	20	theory	theory	NOUN
hassl-4494	158	21	,	,	PUNCT
hassl-4494	158	22	which	which	PRON
hassl-4494	158	23	enhances	enhance	VERB
hassl-4494	158	24	scientific	scientific	ADJ
hassl-4494	158	25	understanding	understanding	NOUN
hassl-4494	158	26	of	of	ADP
hassl-4494	158	27	the	the	DET
hassl-4494	158	28	mechanisms	mechanism	NOUN
hassl-4494	158	29	linking	link	VERB
hassl-4494	158	30	independent	independent	ADJ
hassl-4494	158	31	(	(	PUNCT
hassl-4494	158	32	predictor	predictor	NOUN
hassl-4494	158	33	)	)	PUNCT
hassl-4494	158	34	and	and	CCONJ
hassl-4494	158	35	dependent	dependent	ADJ
hassl-4494	158	36	(	(	PUNCT
hassl-4494	158	37	outcome	outcome	NOUN
hassl-4494	158	38	)	)	PUNCT
hassl-4494	158	39	variables	variable	NOUN
hassl-4494	158	40	.	.	PUNCT
hassl-4494	159	1	4	4	X
hassl-4494	159	2	.	.	NOUN
hassl-4494	159	3	results	result	NOUN
hassl-4494	159	4	and	and	CCONJ
hassl-4494	159	5	discussion	discussion	NOUN
hassl-4494	159	6	4.1	4.1	NUM
hassl-4494	159	7	.	.	PUNCT
hassl-4494	160	1	respondents	respondent	NOUN
hassl-4494	160	2	the	the	DET
hassl-4494	160	3	data	data	NOUN
hassl-4494	160	4	description	description	NOUN
hassl-4494	160	5	provides	provide	VERB
hassl-4494	160	6	a	a	DET
hassl-4494	160	7	general	general	ADJ
hassl-4494	160	8	overview	overview	NOUN
hassl-4494	160	9	of	of	ADP
hassl-4494	160	10	the	the	DET
hassl-4494	160	11	results	result	NOUN
hassl-4494	160	12	of	of	ADP
hassl-4494	160	13	data	datum	NOUN
hassl-4494	160	14	processing	processing	NOUN
hassl-4494	160	15	from	from	ADP
hassl-4494	160	16	four	four	NUM
hassl-4494	160	17	research	research	NOUN
hassl-4494	160	18	variables	variable	NOUN
hassl-4494	160	19	.	.	PUNCT
hassl-4494	161	1	the	the	DET
hassl-4494	161	2	population	population	NOUN
hassl-4494	161	3	in	in	ADP
hassl-4494	161	4	this	this	DET
hassl-4494	161	5	study	study	NOUN
hassl-4494	161	6	consisted	consist	VERB
hassl-4494	161	7	of	of	ADP
hassl-4494	161	8	jakpreneur	jakpreneur	NOUN
hassl-4494	161	9	msme	msme	NOUN
hassl-4494	161	10	actors	actor	NOUN
hassl-4494	161	11	in	in	ADP
hassl-4494	161	12	jakarta	jakarta	PROPN
hassl-4494	161	13	,	,	PUNCT
hassl-4494	161	14	totaling	total	VERB
hassl-4494	161	15	1,251	1,251	NUM
hassl-4494	161	16	individuals	individual	NOUN
hassl-4494	161	17	,	,	PUNCT
hassl-4494	161	18	from	from	ADP
hassl-4494	161	19	which	which	PRON
hassl-4494	161	20	a	a	DET
hassl-4494	161	21	sample	sample	NOUN
hassl-4494	161	22	of	of	ADP
hassl-4494	161	23	275	275	NUM
hassl-4494	161	24	ukm	ukm	PROPN
hassl-4494	161	25	actors	actor	NOUN
hassl-4494	161	26	was	be	AUX
hassl-4494	161	27	selected	select	VERB
hassl-4494	161	28	.	.	PUNCT
hassl-4494	162	1	data	datum	NOUN
hassl-4494	162	2	on	on	ADP
hassl-4494	162	3	digital	digital	ADJ
hassl-4494	162	4	literacy	literacy	NOUN
hassl-4494	162	5	variables	variable	NOUN
hassl-4494	162	6	,	,	PUNCT
hassl-4494	162	7	use	use	NOUN
hassl-4494	162	8	of	of	ADP
hassl-4494	162	9	credit	credit	NOUN
hassl-4494	162	10	facilities	facility	NOUN
hassl-4494	162	11	,	,	PUNCT
hassl-4494	162	12	and	and	CCONJ
hassl-4494	162	13	sme	sme	PROPN
hassl-4494	162	14	development	development	NOUN
hassl-4494	162	15	were	be	AUX
hassl-4494	162	16	obtained	obtain	VERB
hassl-4494	162	17	through	through	ADP
hassl-4494	162	18	primary	primary	ADJ
hassl-4494	162	19	data	datum	NOUN
hassl-4494	162	20	collection	collection	NOUN
hassl-4494	162	21	using	use	VERB
hassl-4494	162	22	a	a	DET
hassl-4494	162	23	questionnaire	questionnaire	NOUN
hassl-4494	162	24	with	with	ADP
hassl-4494	162	25	an	an	DET
hassl-4494	162	26	inferential	inferential	ADJ
hassl-4494	162	27	semantic	semantic	ADJ
hassl-4494	162	28	scale	scale	NOUN
hassl-4494	162	29	.	.	PUNCT
hassl-4494	163	1	humanities	humanity	NOUN
hassl-4494	163	2	and	and	CCONJ
hassl-4494	163	3	social	social	ADJ
hassl-4494	163	4	sciences	science	NOUN
hassl-4494	163	5	letters	letter	NOUN
hassl-4494	163	6	,	,	PUNCT
hassl-4494	163	7	2025	2025	NUM
hassl-4494	163	8	,	,	PUNCT
hassl-4494	163	9	13(4	13(4	NUM
hassl-4494	163	10	):	):	PUNCT
hassl-4494	163	11	1287	1287	NUM
hassl-4494	163	12	-	-	SYM
hassl-4494	163	13	1303	1303	NUM
hassl-4494	163	14	1293	1293	NUM
hassl-4494	163	15	©	©	ADP
hassl-4494	163	16	2025	2025	NUM
hassl-4494	163	17	conscientia	conscientia	PROPN
hassl-4494	163	18	beam	beam	PROPN
hassl-4494	163	19	.	.	PUNCT
hassl-4494	164	1	all	all	DET
hassl-4494	164	2	rights	right	NOUN
hassl-4494	164	3	reserved	reserve	VERB
hassl-4494	164	4	.	.	PUNCT
hassl-4494	165	1	the	the	DET
hassl-4494	165	2	scale	scale	NOUN
hassl-4494	165	3	ranged	range	VERB
hassl-4494	165	4	from	from	ADP
hassl-4494	165	5	1	1	NUM
hassl-4494	165	6	to	to	ADP
hassl-4494	165	7	5	5	NUM
hassl-4494	165	8	,	,	PUNCT
hassl-4494	165	9	where	where	SCONJ
hassl-4494	165	10	1	1	NUM
hassl-4494	165	11	indicates	indicate	VERB
hassl-4494	165	12	rarity	rarity	NOUN
hassl-4494	165	13	or	or	CCONJ
hassl-4494	165	14	low	low	ADJ
hassl-4494	165	15	frequency	frequency	NOUN
hassl-4494	165	16	,	,	PUNCT
hassl-4494	165	17	and	and	CCONJ
hassl-4494	165	18	5	5	NUM
hassl-4494	165	19	indicates	indicate	VERB
hassl-4494	165	20	high	high	ADJ
hassl-4494	165	21	frequency	frequency	NOUN
hassl-4494	165	22	.	.	PUNCT
hassl-4494	166	1	the	the	DET
hassl-4494	166	2	respondent	respondent	NOUN
hassl-4494	166	3	data	datum	NOUN
hassl-4494	166	4	are	be	AUX
hassl-4494	166	5	presented	present	VERB
hassl-4494	166	6	as	as	SCONJ
hassl-4494	166	7	follows	follow	VERB
hassl-4494	166	8	table	table	NOUN
hassl-4494	166	9	1	1	NUM
hassl-4494	166	10	:	:	PUNCT
hassl-4494	166	11	table	table	NOUN
hassl-4494	166	12	1	1	NUM
hassl-4494	166	13	.	.	PUNCT
hassl-4494	167	1	characteristics	characteristic	NOUN
hassl-4494	167	2	of	of	ADP
hassl-4494	167	3	research	research	NOUN
hassl-4494	167	4	respondent	respondent	NOUN
hassl-4494	167	5	data	datum	NOUN
hassl-4494	167	6	.	.	PUNCT
hassl-4494	168	1	description	description	NOUN
hassl-4494	168	2	number	number	NOUN
hassl-4494	168	3	of	of	ADP
hassl-4494	168	4	samples	sample	NOUN
hassl-4494	168	5	percentage	percentage	NOUN
hassl-4494	168	6	gender	gender	NOUN
hassl-4494	168	7	woman	woman	NOUN
hassl-4494	168	8	194	194	NUM
hassl-4494	168	9	29	29	NUM
hassl-4494	168	10	man	man	NOUN
hassl-4494	168	11	81	81	NUM
hassl-4494	168	12	71	71	NUM
hassl-4494	168	13	age	age	NOUN
hassl-4494	168	14	20	20	NUM
hassl-4494	168	15	<	<	SYM
hassl-4494	168	16	35	35	NUM
hassl-4494	168	17	35	35	NUM
hassl-4494	168	18	5.5	5.5	NUM
hassl-4494	168	19	36	36	NUM
hassl-4494	168	20	40	40	NUM
hassl-4494	168	21	38	38	NUM
hassl-4494	168	22	16	16	NUM
hassl-4494	168	23	41	41	NUM
hassl-4494	168	24	45	45	NUM
hassl-4494	168	25	98	98	NUM
hassl-4494	168	26	44	44	NUM
hassl-4494	168	27	46	46	NUM
hassl-4494	168	28	50	50	NUM
hassl-4494	168	29	68	68	NUM
hassl-4494	168	30	26.5	26.5	NUM
hassl-4494	168	31	51	51	NUM
hassl-4494	168	32	55	55	NUM
hassl-4494	168	33	26	26	NUM
hassl-4494	168	34	28	28	NUM
hassl-4494	168	35	>	>	SYM
hassl-4494	168	36	55	55	NUM
hassl-4494	168	37	10	10	NUM
hassl-4494	168	38	4	4	NUM
hassl-4494	168	39	education	education	NOUN
hassl-4494	168	40	junior	junior	ADJ
hassl-4494	168	41	high	high	ADJ
hassl-4494	168	42	school	school	NOUN
hassl-4494	168	43	13	13	NUM
hassl-4494	168	44	4	4	NUM
hassl-4494	168	45	senior	senior	ADJ
hassl-4494	168	46	high	high	ADJ
hassl-4494	168	47	school	school	NOUN
hassl-4494	168	48	98	98	NUM
hassl-4494	168	49	36	36	NUM
hassl-4494	168	50	diploma	diploma	NOUN
hassl-4494	168	51	46	46	NUM
hassl-4494	168	52	17	17	NUM
hassl-4494	168	53	bachelor	bachelor	NOUN
hassl-4494	168	54	118	118	NUM
hassl-4494	168	55	43	43	NUM
hassl-4494	168	56	length	length	NOUN
hassl-4494	168	57	of	of	ADP
hassl-4494	168	58	business	business	NOUN
hassl-4494	168	59	3	3	NUM
hassl-4494	168	60	5	5	NUM
hassl-4494	168	61	years	year	NOUN
hassl-4494	168	62	164	164	NUM
hassl-4494	168	63	60	60	NUM
hassl-4494	168	64	6	6	NUM
hassl-4494	168	65	8	8	NUM
hassl-4494	168	66	years	year	NOUN
hassl-4494	168	67	93	93	NUM
hassl-4494	168	68	34	34	NUM
hassl-4494	168	69	9	9	NUM
hassl-4494	168	70	11	11	NUM
hassl-4494	168	71	years	year	NOUN
hassl-4494	168	72	14	14	NUM
hassl-4494	168	73	5	5	NUM
hassl-4494	168	74	over	over	ADP
hassl-4494	168	75	11	11	NUM
hassl-4494	168	76	years	year	NOUN
hassl-4494	168	77	4	4	NUM
hassl-4494	168	78	1	1	NUM
hassl-4494	168	79	credit	credit	NOUN
hassl-4494	168	80	<	<	X
hassl-4494	168	81	rp	rp	NOUN
hassl-4494	168	82	10.000.000	10.000.000	NUM
hassl-4494	168	83	92	92	NUM
hassl-4494	168	84	33	33	NUM
hassl-4494	168	85	rp	rp	NOUN
hassl-4494	168	86	10.000.000	10.000.000	NUM
hassl-4494	168	87	rp	rp	NOUN
hassl-4494	168	88	30.000.000	30.000.000	NUM
hassl-4494	168	89	103	103	NUM
hassl-4494	168	90	37	37	NUM
hassl-4494	168	91	rp	rp	NOUN
hassl-4494	168	92	31.000.000	31.000.000	NUM
hassl-4494	169	1	rp	rp	NOUN
hassl-4494	169	2	50.000.000	50.000.000	NUM
hassl-4494	169	3	64	64	NUM
hassl-4494	169	4	23	23	NUM
hassl-4494	169	5	>	>	PUNCT
hassl-4494	169	6	rp	rp	NOUN
hassl-4494	169	7	50.000.000	50.000.000	NUM
hassl-4494	169	8	16	16	NUM
hassl-4494	169	9	6	6	NUM
hassl-4494	169	10	4.1	4.1	NUM
hassl-4494	169	11	.	.	PUNCT
hassl-4494	170	1	evaluation	evaluation	NOUN
hassl-4494	170	2	of	of	ADP
hassl-4494	170	3	the	the	DET
hassl-4494	170	4	outer	outer	ADJ
hassl-4494	170	5	model	model	NOUN
hassl-4494	170	6	evaluation	evaluation	NOUN
hassl-4494	170	7	of	of	ADP
hassl-4494	170	8	outer	outer	ADJ
hassl-4494	170	9	model	model	NOUN
hassl-4494	170	10	measurements	measurement	NOUN
hassl-4494	170	11	is	be	AUX
hassl-4494	170	12	used	use	VERB
hassl-4494	170	13	to	to	PART
hassl-4494	170	14	assess	assess	VERB
hassl-4494	170	15	the	the	DET
hassl-4494	170	16	validity	validity	NOUN
hassl-4494	170	17	and	and	CCONJ
hassl-4494	170	18	reliability	reliability	NOUN
hassl-4494	170	19	of	of	ADP
hassl-4494	170	20	the	the	DET
hassl-4494	170	21	model	model	NOUN
hassl-4494	170	22	and	and	CCONJ
hassl-4494	170	23	also	also	ADV
hassl-4494	170	24	discriminant	discriminant	ADJ
hassl-4494	170	25	validity	validity	NOUN
hassl-4494	170	26	.	.	PUNCT
hassl-4494	171	1	based	base	VERB
hassl-4494	171	2	on	on	ADP
hassl-4494	171	3	table	table	NOUN
hassl-4494	171	4	2	2	NUM
hassl-4494	171	5	,	,	PUNCT
hassl-4494	171	6	it	it	PRON
hassl-4494	171	7	is	be	AUX
hassl-4494	171	8	known	know	VERB
hassl-4494	171	9	that	that	SCONJ
hassl-4494	171	10	there	there	PRON
hassl-4494	171	11	are	be	VERB
hassl-4494	171	12	three	three	NUM
hassl-4494	171	13	variables	variable	NOUN
hassl-4494	171	14	,	,	PUNCT
hassl-4494	171	15	namely	namely	ADV
hassl-4494	171	16	the	the	DET
hassl-4494	171	17	use	use	NOUN
hassl-4494	171	18	of	of	ADP
hassl-4494	171	19	credit	credit	NOUN
hassl-4494	171	20	facilities	facility	NOUN
hassl-4494	171	21	,	,	PUNCT
hassl-4494	171	22	digital	digital	ADJ
hassl-4494	171	23	literacy	literacy	NOUN
hassl-4494	171	24	,	,	PUNCT
hassl-4494	171	25	and	and	CCONJ
hassl-4494	171	26	msme	msme	NOUN
hassl-4494	171	27	development	development	NOUN
hassl-4494	171	28	.	.	PUNCT
hassl-4494	172	1	the	the	DET
hassl-4494	172	2	credit	credit	NOUN
hassl-4494	172	3	facility	facility	NOUN
hassl-4494	172	4	use	use	NOUN
hassl-4494	172	5	variable	variable	NOUN
hassl-4494	172	6	has	have	VERB
hassl-4494	172	7	8	8	NUM
hassl-4494	172	8	indicators	indicator	NOUN
hassl-4494	172	9	,	,	PUNCT
hassl-4494	172	10	digital	digital	ADJ
hassl-4494	172	11	literacy	literacy	NOUN
hassl-4494	172	12	has	have	VERB
hassl-4494	172	13	16	16	NUM
hassl-4494	172	14	indicators	indicator	NOUN
hassl-4494	172	15	,	,	PUNCT
hassl-4494	172	16	and	and	CCONJ
hassl-4494	172	17	the	the	DET
hassl-4494	172	18	msme	msme	PROPN
hassl-4494	172	19	development	development	PROPN
hassl-4494	172	20	variable	variable	NOUN
hassl-4494	172	21	has	have	VERB
hassl-4494	172	22	12	12	NUM
hassl-4494	172	23	indicators	indicator	NOUN
hassl-4494	172	24	.	.	PUNCT
hassl-4494	173	1	based	base	VERB
hassl-4494	173	2	on	on	ADP
hassl-4494	173	3	the	the	DET
hassl-4494	173	4	convergent	convergent	NOUN
hassl-4494	173	5	validity	validity	NOUN
hassl-4494	173	6	test	test	NOUN
hassl-4494	173	7	that	that	PRON
hassl-4494	173	8	has	have	AUX
hassl-4494	173	9	been	be	AUX
hassl-4494	173	10	carried	carry	VERB
hassl-4494	173	11	out	out	ADP
hassl-4494	173	12	,	,	PUNCT
hassl-4494	173	13	it	it	PRON
hassl-4494	173	14	is	be	AUX
hassl-4494	173	15	known	know	VERB
hassl-4494	173	16	that	that	SCONJ
hassl-4494	173	17	all	all	DET
hassl-4494	173	18	variables	variable	NOUN
hassl-4494	173	19	for	for	ADP
hassl-4494	173	20	the	the	DET
hassl-4494	173	21	use	use	NOUN
hassl-4494	173	22	of	of	ADP
hassl-4494	173	23	credit	credit	NOUN
hassl-4494	173	24	facilities	facility	NOUN
hassl-4494	173	25	,	,	PUNCT
hassl-4494	173	26	indicators	indicator	NOUN
hassl-4494	173	27	for	for	ADP
hassl-4494	173	28	digital	digital	ADJ
hassl-4494	173	29	literacy	literacy	NOUN
hassl-4494	173	30	variables	variable	NOUN
hassl-4494	173	31	,	,	PUNCT
hassl-4494	173	32	and	and	CCONJ
hassl-4494	173	33	msme	msme	NOUN
hassl-4494	173	34	development	development	NOUN
hassl-4494	173	35	have	have	VERB
hassl-4494	173	36	factor	factor	NOUN
hassl-4494	173	37	loading	loading	NOUN
hassl-4494	173	38	values	value	NOUN
hassl-4494	173	39	in	in	ADP
hassl-4494	173	40	the	the	DET
hassl-4494	173	41	range	range	NOUN
hassl-4494	173	42	of	of	ADP
hassl-4494	173	43	0.704	0.704	NUM
hassl-4494	173	44	–	–	PUNCT
hassl-4494	173	45	0.976	0.976	NUM
hassl-4494	173	46	.	.	PUNCT
hassl-4494	174	1	it	it	PRON
hassl-4494	174	2	can	can	AUX
hassl-4494	174	3	be	be	AUX
hassl-4494	174	4	stated	state	VERB
hassl-4494	174	5	that	that	SCONJ
hassl-4494	174	6	none	none	NOUN
hassl-4494	174	7	of	of	ADP
hassl-4494	174	8	the	the	DET
hassl-4494	174	9	indicators	indicator	NOUN
hassl-4494	174	10	in	in	ADP
hassl-4494	174	11	the	the	DET
hassl-4494	174	12	variable	variable	ADJ
hassl-4494	174	13	use	use	NOUN
hassl-4494	174	14	of	of	ADP
hassl-4494	174	15	credit	credit	NOUN
hassl-4494	174	16	facilities	facility	NOUN
hassl-4494	174	17	have	have	AUX
hassl-4494	174	18	been	be	AUX
hassl-4494	174	19	deleted	delete	VERB
hassl-4494	174	20	or	or	CCONJ
hassl-4494	174	21	excluded	exclude	VERB
hassl-4494	174	22	because	because	SCONJ
hassl-4494	174	23	they	they	PRON
hassl-4494	174	24	have	have	VERB
hassl-4494	174	25	factor	factor	NOUN
hassl-4494	174	26	loading	loading	NOUN
hassl-4494	174	27	values	value	NOUN
hassl-4494	174	28	above	above	ADP
hassl-4494	174	29	0.70	0.70	NUM
hassl-4494	174	30	or	or	CCONJ
hassl-4494	174	31	>	>	ADP
hassl-4494	174	32	0.70	0.70	NUM
hassl-4494	174	33	.	.	PUNCT
hassl-4494	175	1	thus	thus	ADV
hassl-4494	175	2	,	,	PUNCT
hassl-4494	175	3	all	all	DET
hassl-4494	175	4	indicators	indicator	NOUN
hassl-4494	175	5	on	on	ADP
hassl-4494	175	6	the	the	DET
hassl-4494	175	7	variable	variable	ADJ
hassl-4494	175	8	use	use	NOUN
hassl-4494	175	9	of	of	ADP
hassl-4494	175	10	credit	credit	NOUN
hassl-4494	175	11	facilities	facility	NOUN
hassl-4494	175	12	meet	meet	VERB
hassl-4494	175	13	convergent	convergent	NOUN
hassl-4494	175	14	validity	validity	NOUN
hassl-4494	175	15	.	.	PUNCT
hassl-4494	176	1	the	the	DET
hassl-4494	176	2	ave	ave	PROPN
hassl-4494	176	3	value	value	NOUN
hassl-4494	176	4	of	of	ADP
hassl-4494	176	5	the	the	DET
hassl-4494	176	6	credit	credit	NOUN
hassl-4494	176	7	facility	facility	NOUN
hassl-4494	176	8	use	use	NOUN
hassl-4494	176	9	variable	variable	NOUN
hassl-4494	176	10	is	be	AUX
hassl-4494	176	11	0.900	0.900	NUM
hassl-4494	176	12	,	,	PUNCT
hassl-4494	176	13	which	which	PRON
hassl-4494	176	14	is	be	AUX
hassl-4494	176	15	greater	great	ADJ
hassl-4494	176	16	than	than	ADP
hassl-4494	176	17	0.50	0.50	NUM
hassl-4494	176	18	,	,	PUNCT
hassl-4494	176	19	indicating	indicate	VERB
hassl-4494	176	20	that	that	SCONJ
hassl-4494	176	21	it	it	PRON
hassl-4494	176	22	meets	meet	VERB
hassl-4494	176	23	discriminant	discriminant	ADJ
hassl-4494	176	24	validity	validity	NOUN
hassl-4494	176	25	.	.	PUNCT
hassl-4494	177	1	the	the	DET
hassl-4494	177	2	cr	cr	PROPN
hassl-4494	177	3	and	and	CCONJ
hassl-4494	177	4	cronbach	cronbach	VERB
hassl-4494	177	5	's	's	PART
hassl-4494	177	6	alpha	alpha	NOUN
hassl-4494	177	7	(	(	PUNCT
hassl-4494	177	8	α	α	NOUN
hassl-4494	177	9	)	)	PUNCT
hassl-4494	177	10	values	value	NOUN
hassl-4494	177	11	for	for	ADP
hassl-4494	177	12	the	the	DET
hassl-4494	177	13	variable	variable	ADJ
hassl-4494	177	14	use	use	NOUN
hassl-4494	177	15	of	of	ADP
hassl-4494	177	16	credit	credit	NOUN
hassl-4494	177	17	facilities	facility	NOUN
hassl-4494	177	18	are	be	AUX
hassl-4494	177	19	0.924	0.924	NUM
hassl-4494	177	20	and	and	CCONJ
hassl-4494	177	21	0.984	0.984	NUM
hassl-4494	177	22	,	,	PUNCT
hassl-4494	177	23	respectively	respectively	ADV
hassl-4494	177	24	,	,	PUNCT
hassl-4494	177	25	both	both	PRON
hassl-4494	177	26	exceeding	exceed	VERB
hassl-4494	177	27	the	the	DET
hassl-4494	177	28	threshold	threshold	NOUN
hassl-4494	177	29	of	of	ADP
hassl-4494	177	30	0.70	0.70	NUM
hassl-4494	177	31	,	,	PUNCT
hassl-4494	177	32	thus	thus	ADV
hassl-4494	177	33	confirming	confirm	VERB
hassl-4494	177	34	composite	composite	ADJ
hassl-4494	177	35	reliability	reliability	NOUN
hassl-4494	177	36	.	.	PUNCT
hassl-4494	178	1	the	the	DET
hassl-4494	178	2	results	result	NOUN
hassl-4494	178	3	of	of	ADP
hassl-4494	178	4	the	the	DET
hassl-4494	178	5	convergent	convergent	NOUN
hassl-4494	178	6	validity	validity	NOUN
hassl-4494	178	7	test	test	NOUN
hassl-4494	178	8	for	for	ADP
hassl-4494	178	9	the	the	DET
hassl-4494	178	10	digital	digital	ADJ
hassl-4494	178	11	literacy	literacy	NOUN
hassl-4494	178	12	variables	variable	NOUN
hassl-4494	178	13	,	,	PUNCT
hassl-4494	178	14	msme	msme	NOUN
hassl-4494	178	15	development	development	NOUN
hassl-4494	178	16	,	,	PUNCT
hassl-4494	178	17	and	and	CCONJ
hassl-4494	178	18	use	use	NOUN
hassl-4494	178	19	of	of	ADP
hassl-4494	178	20	credit	credit	NOUN
hassl-4494	178	21	facilities	facility	NOUN
hassl-4494	178	22	show	show	VERB
hassl-4494	178	23	that	that	SCONJ
hassl-4494	178	24	the	the	DET
hassl-4494	178	25	indicator	indicator	NOUN
hassl-4494	178	26	factor	factor	NOUN
hassl-4494	178	27	loadings	loading	NOUN
hassl-4494	178	28	are	be	AUX
hassl-4494	178	29	above	above	ADP
hassl-4494	178	30	0.70	0.70	NUM
hassl-4494	178	31	.	.	PUNCT
hassl-4494	179	1	therefore	therefore	ADV
hassl-4494	179	2	,	,	PUNCT
hassl-4494	179	3	all	all	DET
hassl-4494	179	4	indicators	indicator	NOUN
hassl-4494	179	5	in	in	ADP
hassl-4494	179	6	the	the	DET
hassl-4494	179	7	research	research	NOUN
hassl-4494	179	8	variables	variable	NOUN
hassl-4494	179	9	have	have	AUX
hassl-4494	179	10	met	meet	VERB
hassl-4494	179	11	the	the	DET
hassl-4494	179	12	criteria	criterion	NOUN
hassl-4494	179	13	for	for	ADP
hassl-4494	179	14	convergent	convergent	NOUN
hassl-4494	179	15	validity	validity	NOUN
hassl-4494	179	16	.	.	PUNCT
hassl-4494	180	1	the	the	DET
hassl-4494	180	2	variables	variable	NOUN
hassl-4494	180	3	of	of	ADP
hassl-4494	180	4	credit	credit	NOUN
hassl-4494	180	5	facilities	facility	NOUN
hassl-4494	180	6	use	use	NOUN
hassl-4494	180	7	,	,	PUNCT
hassl-4494	180	8	digital	digital	ADJ
hassl-4494	180	9	literacy	literacy	NOUN
hassl-4494	180	10	,	,	PUNCT
hassl-4494	180	11	and	and	CCONJ
hassl-4494	180	12	msme	msme	NOUN
hassl-4494	180	13	development	development	NOUN
hassl-4494	180	14	have	have	VERB
hassl-4494	180	15	ave	ave	NOUN
hassl-4494	180	16	values	value	NOUN
hassl-4494	180	17	of	of	ADP
hassl-4494	180	18	0.900	0.900	NUM
hassl-4494	180	19	,	,	PUNCT
hassl-4494	180	20	0.643	0.643	NUM
hassl-4494	180	21	,	,	PUNCT
hassl-4494	180	22	and	and	CCONJ
hassl-4494	180	23	0.624	0.624	NUM
hassl-4494	180	24	,	,	PUNCT
hassl-4494	180	25	respectively	respectively	ADV
hassl-4494	180	26	,	,	PUNCT
hassl-4494	180	27	fulfilling	fulfil	VERB
hassl-4494	180	28	discriminant	discriminant	ADJ
hassl-4494	180	29	validity	validity	NOUN
hassl-4494	180	30	.	.	PUNCT
hassl-4494	181	1	the	the	DET
hassl-4494	181	2	use	use	NOUN
hassl-4494	181	3	of	of	ADP
hassl-4494	181	4	credit	credit	NOUN
hassl-4494	181	5	facilities	facility	NOUN
hassl-4494	181	6	,	,	PUNCT
hassl-4494	181	7	digital	digital	ADJ
hassl-4494	181	8	literacy	literacy	NOUN
hassl-4494	181	9	,	,	PUNCT
hassl-4494	181	10	and	and	CCONJ
hassl-4494	181	11	msme	msme	NOUN
hassl-4494	181	12	development	development	NOUN
hassl-4494	181	13	have	have	VERB
hassl-4494	181	14	cr	cr	NOUN
hassl-4494	181	15	values	value	NOUN
hassl-4494	181	16	of	of	ADP
hassl-4494	181	17	0.924	0.924	NUM
hassl-4494	181	18	,	,	PUNCT
hassl-4494	181	19	0.925	0.925	NUM
hassl-4494	181	20	,	,	PUNCT
hassl-4494	181	21	and	and	CCONJ
hassl-4494	181	22	0.928	0.928	NUM
hassl-4494	181	23	,	,	PUNCT
hassl-4494	181	24	and	and	CCONJ
hassl-4494	181	25	cronbach	cronbach	VERB
hassl-4494	181	26	's	's	PART
hassl-4494	181	27	alpha	alpha	ADJ
hassl-4494	181	28	values	value	NOUN
hassl-4494	181	29	of	of	ADP
hassl-4494	181	30	0.984	0.984	NUM
hassl-4494	181	31	,	,	PUNCT
hassl-4494	181	32	0.966	0.966	NUM
hassl-4494	181	33	,	,	PUNCT
hassl-4494	181	34	and	and	CCONJ
hassl-4494	181	35	0.948	0.948	NUM
hassl-4494	181	36	,	,	PUNCT
hassl-4494	181	37	respectively	respectively	ADV
hassl-4494	181	38	,	,	PUNCT
hassl-4494	181	39	all	all	PRON
hassl-4494	181	40	exceeding	exceed	VERB
hassl-4494	181	41	0.70	0.70	NUM
hassl-4494	181	42	,	,	PUNCT
hassl-4494	181	43	thus	thus	ADV
hassl-4494	181	44	meeting	meet	VERB
hassl-4494	181	45	the	the	DET
hassl-4494	181	46	criteria	criterion	NOUN
hassl-4494	181	47	for	for	ADP
hassl-4494	181	48	composite	composite	ADJ
hassl-4494	181	49	reliability	reliability	NOUN
hassl-4494	181	50	.	.	PUNCT
hassl-4494	182	1	the	the	DET
hassl-4494	182	2	complete	complete	ADJ
hassl-4494	182	3	outer	outer	ADJ
hassl-4494	182	4	model	model	NOUN
hassl-4494	182	5	measurement	measurement	NOUN
hassl-4494	182	6	results	result	NOUN
hassl-4494	182	7	can	can	AUX
hassl-4494	182	8	be	be	AUX
hassl-4494	182	9	seen	see	VERB
hassl-4494	182	10	in	in	ADP
hassl-4494	182	11	table	table	NOUN
hassl-4494	182	12	2	2	NUM
hassl-4494	182	13	:	:	PUNCT
hassl-4494	182	14	humanities	humanity	NOUN
hassl-4494	182	15	and	and	CCONJ
hassl-4494	182	16	social	social	ADJ
hassl-4494	182	17	sciences	science	NOUN
hassl-4494	182	18	letters	letter	NOUN
hassl-4494	182	19	,	,	PUNCT
hassl-4494	182	20	2025	2025	NUM
hassl-4494	182	21	,	,	PUNCT
hassl-4494	182	22	13(4	13(4	NUM
hassl-4494	182	23	):	):	PUNCT
hassl-4494	182	24	1287	1287	NUM
hassl-4494	182	25	-	-	SYM
hassl-4494	182	26	1303	1303	NUM
hassl-4494	182	27	1294	1294	NUM
hassl-4494	182	28	©	©	PROPN
hassl-4494	182	29	2025	2025	NUM
hassl-4494	182	30	conscientia	conscientia	PROPN
hassl-4494	182	31	beam	beam	PROPN
hassl-4494	182	32	.	.	PUNCT
hassl-4494	183	1	all	all	DET
hassl-4494	183	2	rights	right	NOUN
hassl-4494	183	3	reserved	reserve	VERB
hassl-4494	183	4	.	.	PUNCT
hassl-4494	184	1	table	table	NOUN
hassl-4494	184	2	2	2	NUM
hassl-4494	184	3	.	.	PUNCT
hassl-4494	184	4	outer	outer	ADJ
hassl-4494	184	5	measurement	measurement	NOUN
hassl-4494	184	6	results	result	NOUN
hassl-4494	184	7	of	of	ADP
hassl-4494	184	8	the	the	DET
hassl-4494	184	9	research	research	NOUN
hassl-4494	184	10	model	model	NOUN
hassl-4494	184	11	for	for	ADP
hassl-4494	184	12	small	small	ADJ
hassl-4494	184	13	and	and	CCONJ
hassl-4494	184	14	medium	medium	ADJ
hassl-4494	184	15	enterprise	enterprise	NOUN
hassl-4494	184	16	development	development	NOUN
hassl-4494	184	17	.	.	PUNCT
hassl-4494	185	1	code	code	NOUN
hassl-4494	185	2	questionnaire	questionnaire	NOUN
hassl-4494	185	3	item	item	NOUN
hassl-4494	186	1	λ	λ	PROPN
hassl-4494	186	2	α	α	PROPN
hassl-4494	186	3	cr	cr	PROPN
hassl-4494	186	4	ave	ave	PROPN
hassl-4494	186	5	use	use	NOUN
hassl-4494	186	6	of	of	ADP
hassl-4494	186	7	credit	credit	NOUN
hassl-4494	186	8	facilities	facility	NOUN
hassl-4494	186	9	crf1	crf1	NOUN
hassl-4494	186	10	i	i	PRON
hassl-4494	186	11	received	receive	VERB
hassl-4494	186	12	credit	credit	NOUN
hassl-4494	186	13	funds	fund	NOUN
hassl-4494	186	14	as	as	SCONJ
hassl-4494	186	15	requested	request	VERB
hassl-4494	186	16	0.930	0.930	NUM
hassl-4494	186	17	0.984	0.984	NUM
hassl-4494	186	18	0.924	0.924	NUM
hassl-4494	186	19	0.900	0.900	NUM
hassl-4494	186	20	crf2	crf2	VERB
hassl-4494	186	21	the	the	DET
hassl-4494	186	22	credit	credit	NOUN
hassl-4494	186	23	funds	fund	NOUN
hassl-4494	186	24	i	i	PRON
hassl-4494	186	25	received	receive	VERB
hassl-4494	186	26	were	be	AUX
hassl-4494	186	27	sufficient	sufficient	ADJ
hassl-4494	186	28	to	to	PART
hassl-4494	186	29	cover	cover	VERB
hassl-4494	186	30	the	the	DET
hassl-4494	186	31	effects	effect	NOUN
hassl-4494	186	32	of	of	ADP
hassl-4494	186	33	changes	change	NOUN
hassl-4494	186	34	in	in	ADP
hassl-4494	186	35	raw	raw	ADJ
hassl-4494	186	36	material	material	NOUN
hassl-4494	186	37	prices	price	NOUN
hassl-4494	186	38	.	.	PUNCT
hassl-4494	187	1	0.976	0.976	NUM
hassl-4494	187	2	crf3	crf3	NOUN
hassl-4494	187	3	the	the	DET
hassl-4494	187	4	credit	credit	NOUN
hassl-4494	187	5	helps	help	VERB
hassl-4494	187	6	me	i	PRON
hassl-4494	187	7	buy	buy	VERB
hassl-4494	187	8	raw	raw	ADJ
hassl-4494	187	9	materials	material	NOUN
hassl-4494	187	10	0.953	0.953	NUM
hassl-4494	187	11	crf4	crf4	NOUN
hassl-4494	187	12	credit	credit	NOUN
hassl-4494	187	13	allows	allow	VERB
hassl-4494	187	14	the	the	DET
hassl-4494	187	15	renewal	renewal	NOUN
hassl-4494	187	16	of	of	ADP
hassl-4494	187	17	business	business	NOUN
hassl-4494	187	18	equipment	equipment	NOUN
hassl-4494	187	19	.	.	PUNCT
hassl-4494	188	1	0.947	0.947	NUM
hassl-4494	188	2	crf5	crf5	NOUN
hassl-4494	188	3	i	i	PRON
hassl-4494	188	4	made	make	VERB
hassl-4494	188	5	a	a	DET
hassl-4494	188	6	plan	plan	NOUN
hassl-4494	188	7	to	to	PART
hassl-4494	188	8	optimize	optimize	VERB
hassl-4494	188	9	the	the	DET
hassl-4494	188	10	allocation	allocation	NOUN
hassl-4494	188	11	of	of	ADP
hassl-4494	188	12	credit	credit	NOUN
hassl-4494	188	13	funds	fund	NOUN
hassl-4494	188	14	.	.	PUNCT
hassl-4494	189	1	0.887	0.887	NUM
hassl-4494	189	2	crf6	crf6	NOUN
hassl-4494	189	3	i	i	PRON
hassl-4494	189	4	used	use	VERB
hassl-4494	189	5	credit	credit	NOUN
hassl-4494	189	6	funds	fund	NOUN
hassl-4494	189	7	to	to	PART
hassl-4494	189	8	open	open	VERB
hassl-4494	189	9	a	a	DET
hassl-4494	189	10	new	new	ADJ
hassl-4494	189	11	branch	branch	NOUN
hassl-4494	189	12	0.966	0.966	NUM
hassl-4494	189	13	crf7	crf7	PROPN
hassl-4494	189	14	low	low	ADJ
hassl-4494	189	15	credit	credit	NOUN
hassl-4494	189	16	burden	burden	NOUN
hassl-4494	189	17	,	,	PUNCT
hassl-4494	189	18	so	so	ADV
hassl-4494	189	19	i	i	PRON
hassl-4494	189	20	pay	pay	VERB
hassl-4494	189	21	my	my	PRON
hassl-4494	189	22	installments	installment	NOUN
hassl-4494	189	23	on	on	ADP
hassl-4494	189	24	time	time	NOUN
hassl-4494	189	25	.	.	PUNCT
hassl-4494	190	1	0.965	0.965	NUM
hassl-4494	190	2	crf8	crf8	PROPN
hassl-4494	190	3	i	i	PRON
hassl-4494	190	4	can	can	AUX
hassl-4494	190	5	pay	pay	VERB
hassl-4494	190	6	the	the	DET
hassl-4494	190	7	credit	credit	NOUN
hassl-4494	190	8	burden	burden	NOUN
hassl-4494	190	9	with	with	ADP
hassl-4494	190	10	the	the	DET
hassl-4494	190	11	company	company	NOUN
hassl-4494	190	12	's	's	PART
hassl-4494	190	13	capabilities	capability	NOUN
hassl-4494	190	14	.	.	PUNCT
hassl-4494	191	1	0.963	0.963	NUM
hassl-4494	191	2	digital	digital	ADJ
hassl-4494	191	3	literacy	literacy	NOUN
hassl-4494	191	4	dlt1	dlt1	NOUN
hassl-4494	191	5	i	i	PRON
hassl-4494	191	6	understand	understand	VERB
hassl-4494	191	7	how	how	SCONJ
hassl-4494	191	8	to	to	PART
hassl-4494	191	9	search	search	VERB
hassl-4494	191	10	for	for	ADP
hassl-4494	191	11	information	information	NOUN
hassl-4494	191	12	via	via	ADP
hassl-4494	191	13	the	the	DET
hassl-4494	191	14	internet	internet	NOUN
hassl-4494	191	15	for	for	ADP
hassl-4494	191	16	business	business	NOUN
hassl-4494	191	17	.	.	PUNCT
hassl-4494	192	1	0.805	0.805	NUM
hassl-4494	192	2	0.966	0.966	NUM
hassl-4494	192	3	0.925	0.925	NUM
hassl-4494	192	4	0.643	0.643	NUM
hassl-4494	192	5	dlt2	dlt2	ADJ
hassl-4494	192	6	i	i	PRON
hassl-4494	192	7	use	use	VERB
hassl-4494	192	8	the	the	DET
hassl-4494	192	9	browser	browser	NOUN
hassl-4494	192	10	app	app	NOUN
hassl-4494	192	11	well	well	ADV
hassl-4494	192	12	to	to	PART
hassl-4494	192	13	download	download	VERB
hassl-4494	192	14	files	file	NOUN
hassl-4494	192	15	for	for	ADP
hassl-4494	192	16	business	business	NOUN
hassl-4494	192	17	.	.	PUNCT
hassl-4494	193	1	0.860	0.860	NUM
hassl-4494	193	2	dlt3	dlt3	NOUN
hassl-4494	193	3	i	i	PRON
hassl-4494	193	4	use	use	VERB
hassl-4494	193	5	the	the	DET
hassl-4494	193	6	online	online	ADJ
hassl-4494	193	7	web	web	NOUN
hassl-4494	193	8	to	to	PART
hassl-4494	193	9	expand	expand	VERB
hassl-4494	193	10	my	my	PRON
hassl-4494	193	11	business	business	NOUN
hassl-4494	193	12	.	.	PUNCT
hassl-4494	194	1	0.744	0.744	NUM
hassl-4494	194	2	dlt4	dlt4	PROPN
hassl-4494	194	3	i	i	PRON
hassl-4494	194	4	understand	understand	VERB
hassl-4494	194	5	the	the	DET
hassl-4494	194	6	characteristics	characteristic	NOUN
hassl-4494	194	7	of	of	ADP
hassl-4494	194	8	web	web	NOUN
hassl-4494	194	9	pages	page	NOUN
hassl-4494	194	10	,	,	PUNCT
hassl-4494	194	11	such	such	ADJ
hassl-4494	194	12	as	as	ADP
hassl-4494	194	13	http	http	ADJ
hassl-4494	194	14	,	,	PUNCT
hassl-4494	194	15	html	html	NOUN
hassl-4494	194	16	,	,	PUNCT
hassl-4494	194	17	and	and	CCONJ
hassl-4494	194	18	url	url	X
hassl-4494	194	19	.	.	PUNCT
hassl-4494	195	1	0.820	0.820	NUM
hassl-4494	195	2	dlt5	dlt5	NOUN
hassl-4494	195	3	i	i	PRON
hassl-4494	195	4	understand	understand	VERB
hassl-4494	195	5	the	the	DET
hassl-4494	195	6	differences	difference	NOUN
hassl-4494	195	7	in	in	ADP
hassl-4494	195	8	types	type	NOUN
hassl-4494	195	9	of	of	ADP
hassl-4494	195	10	websites	website	NOUN
hassl-4494	195	11	according	accord	VERB
hassl-4494	195	12	to	to	ADP
hassl-4494	195	13	their	their	PRON
hassl-4494	195	14	function	function	NOUN
hassl-4494	195	15	.	.	PUNCT
hassl-4494	196	1	0.780	0.780	NUM
hassl-4494	196	2	dlt6	dlt6	NOUN
hassl-4494	196	3	i	i	PRON
hassl-4494	196	4	utilize	utilize	VERB
hassl-4494	196	5	digital	digital	ADJ
hassl-4494	196	6	business	business	NOUN
hassl-4494	196	7	development	development	NOUN
hassl-4494	196	8	tools	tool	NOUN
hassl-4494	196	9	.	.	PUNCT
hassl-4494	197	1	0.791	0.791	NUM
hassl-4494	197	2	dlt7	dlt7	PROPN
hassl-4494	197	3	i	i	PRON
hassl-4494	197	4	analyze	analyze	VERB
hassl-4494	197	5	the	the	DET
hassl-4494	197	6	validity	validity	NOUN
hassl-4494	197	7	of	of	ADP
hassl-4494	197	8	information	information	NOUN
hassl-4494	197	9	sources	source	NOUN
hassl-4494	197	10	0.815	0.815	NUM
hassl-4494	197	11	dlt8	dlt8	NOUN
hassl-4494	197	12	i	i	PRON
hassl-4494	197	13	double	double	ADV
hassl-4494	197	14	-	-	PUNCT
hassl-4494	197	15	checked	check	VERB
hassl-4494	197	16	the	the	DET
hassl-4494	197	17	information	information	NOUN
hassl-4494	197	18	from	from	ADP
hassl-4494	197	19	the	the	DET
hassl-4494	197	20	internet	internet	NOUN
hassl-4494	197	21	.	.	PUNCT
hassl-4494	198	1	0.872	0.872	NUM
hassl-4494	198	2	dlt9	dlt9	VERB
hassl-4494	198	3	i	i	PRON
hassl-4494	198	4	created	create	VERB
hassl-4494	198	5	a	a	DET
hassl-4494	198	6	business	business	NOUN
hassl-4494	198	7	information	information	NOUN
hassl-4494	198	8	discussion	discussion	NOUN
hassl-4494	198	9	forum	forum	NOUN
hassl-4494	198	10	on	on	ADP
hassl-4494	198	11	social	social	ADJ
hassl-4494	198	12	media	medium	NOUN
hassl-4494	198	13	.	.	PUNCT
hassl-4494	199	1	0.792	0.792	NUM
hassl-4494	199	2	dlt10	dlt10	ADJ
hassl-4494	199	3	i	i	PRON
hassl-4494	199	4	use	use	VERB
hassl-4494	199	5	a	a	DET
hassl-4494	199	6	computer	computer	NOUN
hassl-4494	199	7	and	and	CCONJ
hassl-4494	199	8	cellphone	cellphone	NOUN
hassl-4494	199	9	for	for	ADP
hassl-4494	199	10	business	business	NOUN
hassl-4494	199	11	references	reference	NOUN
hassl-4494	199	12	.	.	PUNCT
hassl-4494	200	1	0.797	0.797	NUM
hassl-4494	200	2	dlt11	dlt11	NOUN
hassl-4494	200	3	i	i	PRON
hassl-4494	200	4	search	search	VERB
hassl-4494	200	5	for	for	ADP
hassl-4494	200	6	sources	source	NOUN
hassl-4494	200	7	and	and	CCONJ
hassl-4494	200	8	creators	creator	NOUN
hassl-4494	200	9	of	of	ADP
hassl-4494	200	10	information	information	NOUN
hassl-4494	200	11	on	on	ADP
hassl-4494	200	12	the	the	DET
hassl-4494	200	13	internet	internet	NOUN
hassl-4494	200	14	.	.	PUNCT
hassl-4494	201	1	0.789	0.789	NUM
hassl-4494	201	2	dlt12	dlt12	ADJ
hassl-4494	201	3	i	i	PRON
hassl-4494	201	4	am	be	AUX
hassl-4494	201	5	looking	look	VERB
hassl-4494	201	6	for	for	ADP
hassl-4494	201	7	business	business	NOUN
hassl-4494	201	8	management	management	NOUN
hassl-4494	201	9	through	through	ADP
hassl-4494	201	10	digital	digital	ADJ
hassl-4494	201	11	tools	tool	NOUN
hassl-4494	201	12	.	.	PUNCT
hassl-4494	202	1	0.799	0.799	NUM
hassl-4494	202	2	dlt13	dlt13	PROPN
hassl-4494	202	3	i	i	PRON
hassl-4494	202	4	learned	learn	VERB
hassl-4494	202	5	business	business	NOUN
hassl-4494	202	6	development	development	NOUN
hassl-4494	202	7	from	from	ADP
hassl-4494	202	8	e	e	NOUN
hassl-4494	202	9	-	-	NOUN
hassl-4494	202	10	books	book	NOUN
hassl-4494	202	11	.	.	PUNCT
hassl-4494	203	1	0.795	0.795	NUM
hassl-4494	203	2	dlt14	dlt14	NOUN
hassl-4494	203	3	i	i	PRON
hassl-4494	203	4	read	read	VERB
hassl-4494	203	5	the	the	DET
hassl-4494	203	6	news	news	NOUN
hassl-4494	203	7	through	through	ADP
hassl-4494	203	8	various	various	ADJ
hassl-4494	203	9	online	online	ADJ
hassl-4494	203	10	media	medium	NOUN
hassl-4494	203	11	.	.	PUNCT
hassl-4494	204	1	0.745	0.745	NUM
hassl-4494	204	2	dlt15	dlt15	NOUN
hassl-4494	204	3	i	i	PRON
hassl-4494	204	4	use	use	VERB
hassl-4494	204	5	social	social	ADJ
hassl-4494	204	6	media	medium	NOUN
hassl-4494	204	7	for	for	ADP
hassl-4494	204	8	business	business	NOUN
hassl-4494	204	9	.	.	PUNCT
hassl-4494	205	1	0.813	0.813	NUM
hassl-4494	205	2	dlt16	dlt16	PROPN
hassl-4494	205	3	i	i	PRON
hassl-4494	205	4	download	download	VERB
hassl-4494	205	5	,	,	PUNCT
hassl-4494	205	6	upload	upload	VERB
hassl-4494	205	7	,	,	PUNCT
hassl-4494	205	8	and	and	CCONJ
hassl-4494	205	9	edit	edit	NOUN
hassl-4494	205	10	videos	video	NOUN
hassl-4494	205	11	.	.	PROPN
hassl-4494	206	1	0.806	0.806	NUM
hassl-4494	206	2	sme	sme	PROPN
hassl-4494	206	3	development	development	PROPN
hassl-4494	206	4	end1	end1	PROPN
hassl-4494	206	5	the	the	DET
hassl-4494	206	6	demand	demand	NOUN
hassl-4494	206	7	for	for	ADP
hassl-4494	206	8	my	my	PRON
hassl-4494	206	9	products	product	NOUN
hassl-4494	206	10	increases	increase	VERB
hassl-4494	206	11	over	over	ADP
hassl-4494	206	12	time	time	NOUN
hassl-4494	206	13	.	.	PUNCT
hassl-4494	207	1	0.726	0.726	NUM
hassl-4494	207	2	0.948	0.948	NUM
hassl-4494	207	3	0.928	0.928	NUM
hassl-4494	207	4	0.624	0.624	NUM
hassl-4494	207	5	end2	end2	NOUN
hassl-4494	207	6	i	i	PRON
hassl-4494	207	7	increased	increase	VERB
hassl-4494	207	8	capital	capital	NOUN
hassl-4494	207	9	for	for	ADP
hassl-4494	207	10	business	business	NOUN
hassl-4494	207	11	production	production	NOUN
hassl-4494	207	12	capacity	capacity	NOUN
hassl-4494	207	13	.	.	PUNCT
hassl-4494	208	1	0.817	0.817	NUM
hassl-4494	208	2	end3	end3	VERB
hassl-4494	208	3	the	the	DET
hassl-4494	208	4	amount	amount	NOUN
hassl-4494	208	5	of	of	ADP
hassl-4494	208	6	production	production	NOUN
hassl-4494	208	7	in	in	ADP
hassl-4494	208	8	my	my	PRON
hassl-4494	208	9	business	business	NOUN
hassl-4494	208	10	has	have	AUX
hassl-4494	208	11	increased	increase	VERB
hassl-4494	208	12	in	in	ADP
hassl-4494	208	13	the	the	DET
hassl-4494	208	14	last	last	ADJ
hassl-4494	208	15	two	two	NUM
hassl-4494	208	16	years	year	NOUN
hassl-4494	208	17	.	.	PUNCT
hassl-4494	209	1	0.878	0.878	NUM
hassl-4494	209	2	end4	end4	NOUN
hassl-4494	209	3	use	use	NOUN
hassl-4494	209	4	of	of	ADP
hassl-4494	209	5	credit	credit	NOUN
hassl-4494	209	6	for	for	ADP
hassl-4494	209	7	quality	quality	NOUN
hassl-4494	209	8	raw	raw	ADJ
hassl-4494	209	9	materials	material	NOUN
hassl-4494	209	10	for	for	ADP
hassl-4494	209	11	my	my	PRON
hassl-4494	209	12	products	product	NOUN
hassl-4494	209	13	.	.	PUNCT
hassl-4494	210	1	0.828	0.828	NUM
hassl-4494	210	2	end5	end5	PROPN
hassl-4494	210	3	my	my	PRON
hassl-4494	210	4	business	business	NOUN
hassl-4494	210	5	products	product	NOUN
hassl-4494	210	6	have	have	VERB
hassl-4494	210	7	attractive	attractive	ADJ
hassl-4494	210	8	variations	variation	NOUN
hassl-4494	210	9	,	,	PUNCT
hassl-4494	210	10	appearance	appearance	NOUN
hassl-4494	210	11	,	,	PUNCT
hassl-4494	210	12	and	and	CCONJ
hassl-4494	210	13	packaging	packaging	NOUN
hassl-4494	210	14	.	.	PUNCT
hassl-4494	211	1	0.721	0.721	NUM
hassl-4494	212	1	end6	end6	ADJ
hassl-4494	212	2	my	my	PRON
hassl-4494	212	3	number	number	NOUN
hassl-4494	212	4	of	of	ADP
hassl-4494	212	5	new	new	ADJ
hassl-4494	212	6	customers	customer	NOUN
hassl-4494	212	7	increased	increase	VERB
hassl-4494	212	8	.	.	PUNCT
hassl-4494	213	1	0.773	0.773	NUM
hassl-4494	213	2	end7	end7	VERB
hassl-4494	213	3	my	my	PRON
hassl-4494	213	4	old	old	ADJ
hassl-4494	213	5	customers	customer	NOUN
hassl-4494	213	6	are	be	AUX
hassl-4494	213	7	coming	come	VERB
hassl-4494	213	8	back	back	ADV
hassl-4494	213	9	.	.	PUNCT
hassl-4494	214	1	0.706	0.706	NUM
hassl-4494	214	2	end8	end8	PROPN
hassl-4494	214	3	my	my	PRON
hassl-4494	214	4	customer	customer	NOUN
hassl-4494	214	5	reach	reach	AUX
hassl-4494	214	6	expanded	expand	VERB
hassl-4494	214	7	and	and	CCONJ
hassl-4494	214	8	opened	open	VERB
hassl-4494	214	9	up	up	ADP
hassl-4494	214	10	expansion	expansion	NOUN
hassl-4494	214	11	opportunities	opportunity	NOUN
hassl-4494	214	12	.	.	PUNCT
hassl-4494	215	1	0.892	0.892	NUM
hassl-4494	215	2	end9	end9	NOUN
hassl-4494	215	3	i	i	PRON
hassl-4494	215	4	opened	open	VERB
hassl-4494	215	5	a	a	DET
hassl-4494	215	6	new	new	ADJ
hassl-4494	215	7	business	business	NOUN
hassl-4494	215	8	branch	branch	NOUN
hassl-4494	215	9	.	.	PUNCT
hassl-4494	216	1	0.750	0.750	NUM
hassl-4494	216	2	end10	end10	PROPN
hassl-4494	216	3	sales	sale	NOUN
hassl-4494	216	4	of	of	ADP
hassl-4494	216	5	my	my	PRON
hassl-4494	216	6	products	product	NOUN
hassl-4494	216	7	increase	increase	VERB
hassl-4494	216	8	revenue	revenue	NOUN
hassl-4494	216	9	.	.	PUNCT
hassl-4494	217	1	0.726	0.726	NUM
hassl-4494	217	2	end11	end11	PROPN
hassl-4494	217	3	i	i	PRON
hassl-4494	217	4	added	add	VERB
hassl-4494	217	5	new	new	ADJ
hassl-4494	217	6	branches	branch	NOUN
hassl-4494	217	7	in	in	ADP
hassl-4494	217	8	the	the	DET
hassl-4494	217	9	last	last	ADJ
hassl-4494	217	10	three	three	NUM
hassl-4494	217	11	years	year	NOUN
hassl-4494	217	12	.	.	PUNCT
hassl-4494	218	1	0.892	0.892	NUM
hassl-4494	219	1	end12	end12	PROPN
hassl-4494	219	2	i	i	PRON
hassl-4494	219	3	added	add	VERB
hassl-4494	219	4	expert	expert	ADJ
hassl-4494	219	5	employees	employee	NOUN
hassl-4494	219	6	in	in	ADP
hassl-4494	219	7	the	the	DET
hassl-4494	219	8	production	production	NOUN
hassl-4494	219	9	sector	sector	NOUN
hassl-4494	219	10	.	.	PUNCT
hassl-4494	220	1	0.704	0.704	NUM
hassl-4494	220	2	based	base	VERB
hassl-4494	220	3	on	on	ADP
hassl-4494	220	4	research	research	NOUN
hassl-4494	220	5	results	result	NOUN
hassl-4494	220	6	,	,	PUNCT
hassl-4494	220	7	the	the	DET
hassl-4494	220	8	cross	cross	ADJ
hassl-4494	220	9	-	-	ADJ
hassl-4494	220	10	loading	loading	ADJ
hassl-4494	220	11	value	value	NOUN
hassl-4494	220	12	of	of	ADP
hassl-4494	220	13	the	the	DET
hassl-4494	220	14	variables	variable	NOUN
hassl-4494	220	15	for	for	ADP
hassl-4494	220	16	the	the	DET
hassl-4494	220	17	use	use	NOUN
hassl-4494	220	18	of	of	ADP
hassl-4494	220	19	credit	credit	NOUN
hassl-4494	220	20	facilities	facility	NOUN
hassl-4494	220	21	,	,	PUNCT
hassl-4494	220	22	digital	digital	ADJ
hassl-4494	220	23	literacy	literacy	NOUN
hassl-4494	220	24	,	,	PUNCT
hassl-4494	220	25	and	and	CCONJ
hassl-4494	220	26	msme	msme	NOUN
hassl-4494	220	27	development	development	NOUN
hassl-4494	220	28	is	be	AUX
hassl-4494	220	29	more	more	ADJ
hassl-4494	220	30	than	than	ADP
hassl-4494	220	31	0.70	0.70	NUM
hassl-4494	220	32	.	.	PUNCT
hassl-4494	221	1	the	the	DET
hassl-4494	221	2	square	square	ADJ
hassl-4494	221	3	root	root	NOUN
hassl-4494	221	4	of	of	ADP
hassl-4494	221	5	ave	ave	NOUN
hassl-4494	221	6	is	be	AUX
hassl-4494	221	7	greater	great	ADJ
hassl-4494	221	8	than	than	ADP
hassl-4494	221	9	the	the	DET
hassl-4494	221	10	correlation	correlation	NOUN
hassl-4494	221	11	between	between	ADP
hassl-4494	221	12	latent	latent	NOUN
hassl-4494	221	13	humanities	humanity	NOUN
hassl-4494	221	14	and	and	CCONJ
hassl-4494	221	15	social	social	ADJ
hassl-4494	221	16	sciences	science	NOUN
hassl-4494	221	17	letters	letter	NOUN
hassl-4494	221	18	,	,	PUNCT
hassl-4494	221	19	2025	2025	NUM
hassl-4494	221	20	,	,	PUNCT
hassl-4494	221	21	13(4	13(4	NUM
hassl-4494	221	22	):	):	PUNCT
hassl-4494	221	23	1287	1287	NUM
hassl-4494	221	24	-	-	SYM
hassl-4494	221	25	1303	1303	NUM
hassl-4494	221	26	1295	1295	NUM
hassl-4494	221	27	©	©	PROPN
hassl-4494	221	28	2025	2025	NUM
hassl-4494	221	29	conscientia	conscientia	PROPN
hassl-4494	221	30	beam	beam	PROPN
hassl-4494	221	31	.	.	PUNCT
hassl-4494	222	1	all	all	DET
hassl-4494	222	2	rights	right	NOUN
hassl-4494	222	3	reserved	reserve	VERB
hassl-4494	222	4	.	.	PUNCT
hassl-4494	222	5	constructs	construct	NOUN
hassl-4494	222	6	.	.	PUNCT
hassl-4494	223	1	thus	thus	ADV
hassl-4494	223	2	,	,	PUNCT
hassl-4494	223	3	the	the	DET
hassl-4494	223	4	variables	variable	NOUN
hassl-4494	223	5	'	'	PART
hassl-4494	223	6	use	use	NOUN
hassl-4494	223	7	of	of	ADP
hassl-4494	223	8	credit	credit	NOUN
hassl-4494	223	9	facilities	facility	NOUN
hassl-4494	223	10	,	,	PUNCT
hassl-4494	223	11	digital	digital	ADJ
hassl-4494	223	12	literacy	literacy	NOUN
hassl-4494	223	13	,	,	PUNCT
hassl-4494	223	14	and	and	CCONJ
hassl-4494	223	15	msme	msme	NOUN
hassl-4494	223	16	development	development	NOUN
hassl-4494	223	17	meet	meet	VERB
hassl-4494	223	18	discriminant	discriminant	ADJ
hassl-4494	223	19	validity	validity	NOUN
hassl-4494	223	20	.	.	PUNCT
hassl-4494	224	1	the	the	DET
hassl-4494	224	2	complete	complete	ADJ
hassl-4494	224	3	discriminant	discriminant	NOUN
hassl-4494	224	4	validity	validity	NOUN
hassl-4494	224	5	test	test	NOUN
hassl-4494	224	6	results	result	NOUN
hassl-4494	224	7	can	can	AUX
hassl-4494	224	8	be	be	AUX
hassl-4494	224	9	seen	see	VERB
hassl-4494	224	10	in	in	ADP
hassl-4494	224	11	table	table	NOUN
hassl-4494	224	12	3	3	NUM
hassl-4494	224	13	:	:	PUNCT
hassl-4494	224	14	table	table	NOUN
hassl-4494	224	15	3	3	PROPN
hassl-4494	224	16	.	.	PUNCT
hassl-4494	224	17	discriminant	discriminant	ADJ
hassl-4494	224	18	validity	validity	NOUN
hassl-4494	224	19	test	test	NOUN
hassl-4494	224	20	results	result	NOUN
hassl-4494	224	21	of	of	ADP
hassl-4494	224	22	the	the	DET
hassl-4494	224	23	small	small	ADJ
hassl-4494	224	24	and	and	CCONJ
hassl-4494	224	25	medium	medium	ADJ
hassl-4494	224	26	enterprise	enterprise	NOUN
hassl-4494	224	27	development	development	NOUN
hassl-4494	224	28	research	research	NOUN
hassl-4494	224	29	model	model	NOUN
hassl-4494	224	30	.	.	PUNCT
hassl-4494	225	1	variable	variable	PROPN
hassl-4494	225	2	crf	crf	PROPN
hassl-4494	225	3	dlt	dlt	PROPN
hassl-4494	225	4	end	end	NOUN
hassl-4494	225	5	use	use	NOUN
hassl-4494	225	6	of	of	ADP
hassl-4494	225	7	credit	credit	NOUN
hassl-4494	225	8	facilities	facility	NOUN
hassl-4494	225	9	(	(	PUNCT
hassl-4494	225	10	crf	crf	NOUN
hassl-4494	225	11	)	)	PUNCT
hassl-4494	225	12	0.949	0.949	NUM
hassl-4494	225	13	digital	digital	ADJ
hassl-4494	225	14	literacy	literacy	NOUN
hassl-4494	225	15	(	(	PUNCT
hassl-4494	225	16	dlt	dlt	PROPN
hassl-4494	225	17	)	)	PUNCT
hassl-4494	225	18	0.878	0.878	NUM
hassl-4494	225	19	0.802	0.802	NUM
hassl-4494	225	20	msme	msme	NOUN
hassl-4494	225	21	development	development	NOUN
hassl-4494	225	22	(	(	PUNCT
hassl-4494	225	23	end	end	NOUN
hassl-4494	225	24	)	)	PUNCT
hassl-4494	225	25	0.610	0.610	NUM
hassl-4494	225	26	0.625	0.625	NUM
hassl-4494	225	27	0.790	0.790	NUM
hassl-4494	225	28	source	source	NOUN
hassl-4494	225	29	:	:	PUNCT
hassl-4494	225	30	data	datum	NOUN
hassl-4494	225	31	processed	process	VERB
hassl-4494	225	32	by	by	ADP
hassl-4494	225	33	researchers	researcher	NOUN
hassl-4494	225	34	,	,	PUNCT
hassl-4494	225	35	2024	2024	NUM
hassl-4494	225	36	4.2	4.2	NUM
hassl-4494	225	37	.	.	PUNCT
hassl-4494	226	1	evaluation	evaluation	NOUN
hassl-4494	226	2	of	of	ADP
hassl-4494	226	3	the	the	DET
hassl-4494	226	4	inner	inner	ADJ
hassl-4494	226	5	model	model	NOUN
hassl-4494	226	6	in	in	ADP
hassl-4494	226	7	evaluating	evaluate	VERB
hassl-4494	226	8	the	the	DET
hassl-4494	226	9	structural	structural	ADJ
hassl-4494	226	10	model	model	NOUN
hassl-4494	226	11	,	,	PUNCT
hassl-4494	226	12	a	a	DET
hassl-4494	226	13	collinearity	collinearity	NOUN
hassl-4494	226	14	test	test	NOUN
hassl-4494	226	15	is	be	AUX
hassl-4494	226	16	conducted	conduct	VERB
hassl-4494	226	17	to	to	PART
hassl-4494	226	18	determine	determine	VERB
hassl-4494	226	19	whether	whether	SCONJ
hassl-4494	226	20	there	there	PRON
hassl-4494	226	21	is	be	VERB
hassl-4494	226	22	high	high	ADJ
hassl-4494	226	23	collinearity	collinearity	NOUN
hassl-4494	226	24	between	between	ADP
hassl-4494	226	25	variables	variable	NOUN
hassl-4494	226	26	.	.	PUNCT
hassl-4494	227	1	the	the	DET
hassl-4494	227	2	variance	variance	NOUN
hassl-4494	227	3	inflation	inflation	NOUN
hassl-4494	227	4	factor	factor	NOUN
hassl-4494	227	5	(	(	PUNCT
hassl-4494	227	6	vif	vif	NOUN
hassl-4494	227	7	)	)	PUNCT
hassl-4494	227	8	value	value	NOUN
hassl-4494	227	9	must	must	AUX
hassl-4494	227	10	be	be	AUX
hassl-4494	227	11	less	less	ADJ
hassl-4494	227	12	than	than	ADP
hassl-4494	227	13	5.00	5.00	NUM
hassl-4494	227	14	.	.	PUNCT
hassl-4494	228	1	the	the	DET
hassl-4494	228	2	vif	vif	PROPN
hassl-4494	228	3	values	value	NOUN
hassl-4494	228	4	obtained	obtain	VERB
hassl-4494	228	5	for	for	ADP
hassl-4494	228	6	the	the	DET
hassl-4494	228	7	variables	variables	PROPN
hassl-4494	228	8	crf	crf	PROPN
hassl-4494	228	9	(	(	PUNCT
hassl-4494	228	10	4.356	4.356	NUM
hassl-4494	228	11	)	)	PUNCT
hassl-4494	228	12	,	,	PUNCT
hassl-4494	228	13	dlt	dlt	PROPN
hassl-4494	228	14	(	(	PUNCT
hassl-4494	228	15	1.000	1.000	NUM
hassl-4494	228	16	)	)	PUNCT
hassl-4494	228	17	,	,	PUNCT
hassl-4494	228	18	and	and	CCONJ
hassl-4494	228	19	end	end	NOUN
hassl-4494	228	20	(	(	PUNCT
hassl-4494	228	21	4.356	4.356	NUM
hassl-4494	228	22	)	)	PUNCT
hassl-4494	228	23	were	be	AUX
hassl-4494	228	24	all	all	ADV
hassl-4494	228	25	below	below	ADP
hassl-4494	228	26	5.00	5.00	NUM
hassl-4494	228	27	,	,	PUNCT
hassl-4494	228	28	indicating	indicate	VERB
hassl-4494	228	29	no	no	DET
hassl-4494	228	30	collinearity	collinearity	NOUN
hassl-4494	228	31	issues	issue	NOUN
hassl-4494	228	32	and	and	CCONJ
hassl-4494	228	33	confirming	confirm	VERB
hassl-4494	228	34	that	that	SCONJ
hassl-4494	228	35	all	all	DET
hassl-4494	228	36	indicators	indicator	NOUN
hassl-4494	228	37	of	of	ADP
hassl-4494	228	38	the	the	DET
hassl-4494	228	39	constructs	construct	NOUN
hassl-4494	228	40	being	be	AUX
hassl-4494	228	41	tested	test	VERB
hassl-4494	228	42	are	be	AUX
hassl-4494	228	43	valid	valid	ADJ
hassl-4494	228	44	.	.	PUNCT
hassl-4494	229	1	in	in	ADP
hassl-4494	229	2	pls	pls	NOUN
hassl-4494	229	3	-	-	PUNCT
hassl-4494	229	4	sem	sem	NOUN
hassl-4494	229	5	,	,	PUNCT
hassl-4494	229	6	bootstrap	bootstrap	NOUN
hassl-4494	229	7	resampling	resampling	NOUN
hassl-4494	229	8	is	be	AUX
hassl-4494	229	9	used	use	VERB
hassl-4494	229	10	to	to	PART
hassl-4494	229	11	obtain	obtain	VERB
hassl-4494	229	12	t	t	PROPN
hassl-4494	229	13	-	-	PUNCT
hassl-4494	229	14	statistics	statistic	NOUN
hassl-4494	229	15	or	or	CCONJ
hassl-4494	229	16	t	t	NOUN
hassl-4494	229	17	-	-	PUNCT
hassl-4494	229	18	values	value	NOUN
hassl-4494	229	19	.	.	PUNCT
hassl-4494	230	1	the	the	DET
hassl-4494	230	2	bootstrap	bootstrap	NOUN
hassl-4494	230	3	results	result	NOUN
hassl-4494	230	4	demonstrate	demonstrate	VERB
hassl-4494	230	5	the	the	DET
hassl-4494	230	6	stability	stability	NOUN
hassl-4494	230	7	of	of	ADP
hassl-4494	230	8	the	the	DET
hassl-4494	230	9	pls	pls	PROPN
hassl-4494	230	10	-	-	PUNCT
hassl-4494	230	11	sem	sem	NOUN
hassl-4494	230	12	testing	testing	NOUN
hassl-4494	230	13	.	.	PUNCT
hassl-4494	231	1	in	in	ADP
hassl-4494	231	2	this	this	DET
hassl-4494	231	3	research	research	NOUN
hassl-4494	231	4	,	,	PUNCT
hassl-4494	231	5	the	the	DET
hassl-4494	231	6	data	datum	NOUN
hassl-4494	231	7	was	be	AUX
hassl-4494	231	8	processed	process	VERB
hassl-4494	231	9	using	use	VERB
hassl-4494	231	10	5,000	5,000	NUM
hassl-4494	231	11	bootstrap	bootstrap	NOUN
hassl-4494	231	12	samples	sample	NOUN
hassl-4494	231	13	.	.	PUNCT
hassl-4494	232	1	the	the	DET
hassl-4494	232	2	path	path	NOUN
hassl-4494	232	3	coefficient	coefficient	NOUN
hassl-4494	232	4	(	(	PUNCT
hassl-4494	232	5	p	p	NOUN
hassl-4494	232	6	-	-	PUNCT
hassl-4494	232	7	value	value	NOUN
hassl-4494	232	8	)	)	PUNCT
hassl-4494	232	9	for	for	ADP
hassl-4494	232	10	the	the	DET
hassl-4494	232	11	three	three	NUM
hassl-4494	232	12	relationships	relationship	NOUN
hassl-4494	232	13	between	between	ADP
hassl-4494	232	14	variables	variable	NOUN
hassl-4494	232	15	ranged	range	VERB
hassl-4494	232	16	from	from	ADP
hassl-4494	232	17	0.000	0.000	NUM
hassl-4494	232	18	to	to	ADP
hassl-4494	232	19	0.029	0.029	NUM
hassl-4494	232	20	,	,	PUNCT
hassl-4494	232	21	all	all	PRON
hassl-4494	232	22	below	below	ADP
hassl-4494	232	23	the	the	DET
hassl-4494	232	24	significance	significance	NOUN
hassl-4494	232	25	threshold	threshold	NOUN
hassl-4494	232	26	of	of	ADP
hassl-4494	232	27	0.05	0.05	NUM
hassl-4494	232	28	,	,	PUNCT
hassl-4494	232	29	indicating	indicate	VERB
hassl-4494	232	30	statistically	statistically	ADV
hassl-4494	232	31	significant	significant	ADJ
hassl-4494	232	32	relationships	relationship	NOUN
hassl-4494	232	33	.	.	PUNCT
hassl-4494	233	1	the	the	DET
hassl-4494	233	2	r	r	NOUN
hassl-4494	233	3	-	-	PUNCT
hassl-4494	233	4	squared	square	VERB
hassl-4494	233	5	level	level	NOUN
hassl-4494	233	6	test	test	NOUN
hassl-4494	233	7	assesses	assess	VERB
hassl-4494	233	8	the	the	DET
hassl-4494	233	9	strength	strength	NOUN
hassl-4494	233	10	of	of	ADP
hassl-4494	233	11	accuracy	accuracy	NOUN
hassl-4494	233	12	or	or	CCONJ
hassl-4494	233	13	prediction	prediction	NOUN
hassl-4494	233	14	.	.	PUNCT
hassl-4494	234	1	the	the	DET
hassl-4494	234	2	r2	r2	PROPN
hassl-4494	234	3	value	value	NOUN
hassl-4494	234	4	for	for	ADP
hassl-4494	234	5	the	the	DET
hassl-4494	234	6	credit	credit	NOUN
hassl-4494	234	7	facility	facility	NOUN
hassl-4494	234	8	use	use	NOUN
hassl-4494	234	9	variable	variable	NOUN
hassl-4494	234	10	is	be	AUX
hassl-4494	234	11	0.770	0.770	NUM
hassl-4494	234	12	,	,	PUNCT
hassl-4494	234	13	indicating	indicate	VERB
hassl-4494	234	14	that	that	SCONJ
hassl-4494	234	15	77.0	77.0	NUM
hassl-4494	234	16	%	%	NOUN
hassl-4494	234	17	of	of	ADP
hassl-4494	234	18	the	the	DET
hassl-4494	234	19	variance	variance	NOUN
hassl-4494	234	20	in	in	ADP
hassl-4494	234	21	credit	credit	NOUN
hassl-4494	234	22	facility	facility	NOUN
hassl-4494	234	23	use	use	NOUN
hassl-4494	234	24	can	can	AUX
hassl-4494	234	25	be	be	AUX
hassl-4494	234	26	explained	explain	VERB
hassl-4494	234	27	by	by	ADP
hassl-4494	234	28	the	the	DET
hassl-4494	234	29	digital	digital	ADJ
hassl-4494	234	30	literacy	literacy	NOUN
hassl-4494	234	31	and	and	CCONJ
hassl-4494	234	32	msme	msme	NOUN
hassl-4494	234	33	development	development	NOUN
hassl-4494	234	34	variables	variable	NOUN
hassl-4494	234	35	,	,	PUNCT
hassl-4494	234	36	which	which	PRON
hassl-4494	234	37	is	be	AUX
hassl-4494	234	38	considered	consider	VERB
hassl-4494	234	39	a	a	DET
hassl-4494	234	40	moderate	moderate	ADJ
hassl-4494	234	41	level	level	NOUN
hassl-4494	234	42	.	.	PUNCT
hassl-4494	235	1	the	the	DET
hassl-4494	235	2	r2	r2	PROPN
hassl-4494	235	3	value	value	NOUN
hassl-4494	235	4	for	for	ADP
hassl-4494	235	5	the	the	DET
hassl-4494	235	6	digital	digital	ADJ
hassl-4494	235	7	literacy	literacy	NOUN
hassl-4494	235	8	variable	variable	NOUN
hassl-4494	235	9	is	be	AUX
hassl-4494	235	10	0.407	0.407	NUM
hassl-4494	235	11	,	,	PUNCT
hassl-4494	235	12	meaning	mean	VERB
hassl-4494	235	13	that	that	SCONJ
hassl-4494	235	14	40.7	40.7	NUM
hassl-4494	235	15	%	%	NOUN
hassl-4494	235	16	of	of	ADP
hassl-4494	235	17	the	the	DET
hassl-4494	235	18	digital	digital	ADJ
hassl-4494	235	19	literacy	literacy	NOUN
hassl-4494	235	20	variance	variance	NOUN
hassl-4494	235	21	can	can	AUX
hassl-4494	235	22	be	be	AUX
hassl-4494	235	23	explained	explain	VERB
hassl-4494	235	24	at	at	ADP
hassl-4494	235	25	a	a	DET
hassl-4494	235	26	moderate	moderate	ADJ
hassl-4494	235	27	level	level	NOUN
hassl-4494	235	28	.	.	PUNCT
hassl-4494	236	1	in	in	ADP
hassl-4494	236	2	testing	test	VERB
hassl-4494	236	3	the	the	DET
hassl-4494	236	4	effect	effect	NOUN
hassl-4494	236	5	size	size	NOUN
hassl-4494	236	6	(	(	PUNCT
hassl-4494	236	7	f2	f2	PROPN
hassl-4494	236	8	)	)	PUNCT
hassl-4494	236	9	of	of	ADP
hassl-4494	236	10	each	each	DET
hassl-4494	236	11	predictor	predictor	NOUN
hassl-4494	236	12	latent	latent	NOUN
hassl-4494	236	13	variable	variable	NOUN
hassl-4494	236	14	on	on	ADP
hassl-4494	236	15	the	the	DET
hassl-4494	236	16	structural	structural	ADJ
hassl-4494	236	17	model	model	NOUN
hassl-4494	236	18	,	,	PUNCT
hassl-4494	236	19	it	it	PRON
hassl-4494	236	20	was	be	AUX
hassl-4494	236	21	found	find	VERB
hassl-4494	236	22	that	that	SCONJ
hassl-4494	236	23	the	the	DET
hassl-4494	236	24	f2	f2	PROPN
hassl-4494	236	25	value	value	NOUN
hassl-4494	236	26	of	of	ADP
hassl-4494	236	27	creativity	creativity	NOUN
hassl-4494	236	28	on	on	ADP
hassl-4494	236	29	the	the	DET
hassl-4494	236	30	product	product	NOUN
hassl-4494	236	31	innovation	innovation	NOUN
hassl-4494	236	32	variable	variable	NOUN
hassl-4494	236	33	is	be	AUX
hassl-4494	236	34	0.388	0.388	NUM
hassl-4494	236	35	,	,	PUNCT
hassl-4494	236	36	indicating	indicate	VERB
hassl-4494	236	37	a	a	DET
hassl-4494	236	38	large	large	ADJ
hassl-4494	236	39	effect	effect	NOUN
hassl-4494	236	40	size	size	NOUN
hassl-4494	236	41	.	.	PUNCT
hassl-4494	237	1	additionally	additionally	ADV
hassl-4494	237	2	,	,	PUNCT
hassl-4494	237	3	the	the	DET
hassl-4494	237	4	f2	f2	ADJ
hassl-4494	237	5	value	value	NOUN
hassl-4494	237	6	of	of	ADP
hassl-4494	237	7	entrepreneurial	entrepreneurial	ADJ
hassl-4494	237	8	education	education	NOUN
hassl-4494	237	9	on	on	ADP
hassl-4494	237	10	product	product	NOUN
hassl-4494	237	11	innovation	innovation	NOUN
hassl-4494	237	12	is	be	AUX
hassl-4494	237	13	0.048	0.048	NUM
hassl-4494	237	14	,	,	PUNCT
hassl-4494	237	15	which	which	PRON
hassl-4494	237	16	reflects	reflect	VERB
hassl-4494	237	17	a	a	DET
hassl-4494	237	18	weak	weak	ADJ
hassl-4494	237	19	effect	effect	NOUN
hassl-4494	237	20	size	size	NOUN
hassl-4494	237	21	.	.	PUNCT
hassl-4494	238	1	finally	finally	ADV
hassl-4494	238	2	,	,	PUNCT
hassl-4494	238	3	the	the	DET
hassl-4494	238	4	f2	f2	ADJ
hassl-4494	238	5	value	value	NOUN
hassl-4494	238	6	of	of	ADP
hassl-4494	238	7	entrepreneurial	entrepreneurial	ADJ
hassl-4494	238	8	education	education	NOUN
hassl-4494	238	9	on	on	ADP
hassl-4494	238	10	creativity	creativity	NOUN
hassl-4494	238	11	is	be	AUX
hassl-4494	238	12	0.129	0.129	NUM
hassl-4494	238	13	,	,	PUNCT
hassl-4494	238	14	demonstrating	demonstrate	VERB
hassl-4494	238	15	a	a	DET
hassl-4494	238	16	medium	medium	ADJ
hassl-4494	238	17	effect	effect	NOUN
hassl-4494	238	18	size	size	NOUN
hassl-4494	238	19	.	.	PUNCT
hassl-4494	239	1	4.1	4.1	NUM
hassl-4494	239	2	.	.	PUNCT
hassl-4494	239	3	hypothesis	hypothesis	NOUN
hassl-4494	239	4	testing	testing	NOUN
hassl-4494	239	5	based	base	VERB
hassl-4494	239	6	on	on	ADP
hassl-4494	239	7	the	the	DET
hassl-4494	239	8	results	result	NOUN
hassl-4494	239	9	of	of	ADP
hassl-4494	239	10	the	the	DET
hassl-4494	239	11	structural	structural	ADJ
hassl-4494	239	12	model	model	NOUN
hassl-4494	239	13	test	test	NOUN
hassl-4494	239	14	in	in	ADP
hassl-4494	239	15	this	this	DET
hassl-4494	239	16	research	research	NOUN
hassl-4494	239	17	,	,	PUNCT
hassl-4494	239	18	it	it	PRON
hassl-4494	239	19	was	be	AUX
hassl-4494	239	20	found	find	VERB
hassl-4494	239	21	that	that	SCONJ
hassl-4494	239	22	the	the	DET
hassl-4494	239	23	four	four	NUM
hassl-4494	239	24	relationships	relationship	NOUN
hassl-4494	239	25	between	between	ADP
hassl-4494	239	26	variables	variable	NOUN
hassl-4494	239	27	had	have	VERB
hassl-4494	239	28	a	a	PRON
hassl-4494	239	29	t	t	NOUN
hassl-4494	239	30	-	-	PUNCT
hassl-4494	239	31	value	value	NOUN
hassl-4494	239	32	greater	great	ADJ
hassl-4494	239	33	than	than	ADP
hassl-4494	239	34	1.97	1.97	NUM
hassl-4494	239	35	.	.	PUNCT
hassl-4494	240	1	therefore	therefore	ADV
hassl-4494	240	2	,	,	PUNCT
hassl-4494	240	3	it	it	PRON
hassl-4494	240	4	can	can	AUX
hassl-4494	240	5	be	be	AUX
hassl-4494	240	6	concluded	conclude	VERB
hassl-4494	240	7	that	that	SCONJ
hassl-4494	240	8	all	all	DET
hassl-4494	240	9	the	the	DET
hassl-4494	240	10	variable	variable	ADJ
hassl-4494	240	11	relationships	relationship	NOUN
hassl-4494	240	12	in	in	ADP
hassl-4494	240	13	the	the	DET
hassl-4494	240	14	hypothesis	hypothesis	NOUN
hassl-4494	240	15	are	be	AUX
hassl-4494	240	16	significant	significant	ADJ
hassl-4494	240	17	and	and	CCONJ
hassl-4494	240	18	can	can	AUX
hassl-4494	240	19	also	also	ADV
hassl-4494	240	20	be	be	AUX
hassl-4494	240	21	analyzed	analyze	VERB
hassl-4494	240	22	for	for	ADP
hassl-4494	240	23	mediation	mediation	NOUN
hassl-4494	240	24	effects	effect	NOUN
hassl-4494	240	25	.	.	PUNCT
hassl-4494	241	1	the	the	DET
hassl-4494	241	2	following	follow	VERB
hassl-4494	241	3	is	be	AUX
hassl-4494	241	4	the	the	DET
hassl-4494	241	5	output	output	NOUN
hassl-4494	241	6	from	from	ADP
hassl-4494	241	7	data	datum	NOUN
hassl-4494	241	8	processing	processing	NOUN
hassl-4494	241	9	of	of	ADP
hassl-4494	241	10	a	a	DET
hassl-4494	241	11	small	small	ADJ
hassl-4494	241	12	and	and	CCONJ
hassl-4494	241	13	medium	medium	ADJ
hassl-4494	241	14	enterprise	enterprise	NOUN
hassl-4494	241	15	development	development	NOUN
hassl-4494	241	16	model	model	NOUN
hassl-4494	241	17	based	base	VERB
hassl-4494	241	18	on	on	ADP
hassl-4494	241	19	digital	digital	ADJ
hassl-4494	241	20	literacy	literacy	NOUN
hassl-4494	241	21	and	and	CCONJ
hassl-4494	241	22	the	the	DET
hassl-4494	241	23	use	use	NOUN
hassl-4494	241	24	of	of	ADP
hassl-4494	241	25	credit	credit	NOUN
hassl-4494	241	26	facilities	facility	NOUN
hassl-4494	241	27	with	with	ADP
hassl-4494	241	28	sem	sem	NOUN
hassl-4494	241	29	-	-	PUNCT
hassl-4494	241	30	pls	pls	PROPN
hassl-4494	241	31	.	.	PUNCT
hassl-4494	241	32	table	table	NOUN
hassl-4494	241	33	4	4	NUM
hassl-4494	241	34	.	.	PUNCT
hassl-4494	241	35	hypothesis	hypothesis	NOUN
hassl-4494	241	36	testing	testing	NOUN
hassl-4494	241	37	.	.	PUNCT
hassl-4494	242	1	hypothesis	hypothesis	NOUN
hassl-4494	242	2	testing	test	VERB
hassl-4494	242	3	variable	variable	ADJ
hassl-4494	242	4	relations	relation	NOUN
hassl-4494	242	5	original	original	ADJ
hassl-4494	242	6	sample	sample	NOUN
hassl-4494	242	7	sample	sample	NOUN
hassl-4494	242	8	mean	mean	VERB
hassl-4494	242	9	standard	standard	ADJ
hassl-4494	242	10	deviation	deviation	NOUN
hassl-4494	242	11	t	t	NOUN
hassl-4494	242	12	-	-	PUNCT
hassl-4494	242	13	value	value	NOUN
hassl-4494	242	14	p	p	NOUN
hassl-4494	242	15	value	value	NOUN
hassl-4494	242	16	decision	decision	NOUN
hassl-4494	242	17	h1	h1	PROPN
hassl-4494	242	18	crf	crf	PROPN
hassl-4494	242	19	→	→	SYM
hassl-4494	242	20	end	end	VERB
hassl-4494	242	21	0.267	0.267	NUM
hassl-4494	242	22	0.252	0.252	NUM
hassl-4494	242	23	0.122	0.122	NUM
hassl-4494	242	24	2.189	2.189	NUM
hassl-4494	242	25	0.029	0.029	NUM
hassl-4494	242	26	accepted	accept	VERB
hassl-4494	242	27	h2	h2	PROPN
hassl-4494	242	28	dlt	dlt	PROPN
hassl-4494	242	29	→	→	SYM
hassl-4494	242	30	crf	crf	PROPN
hassl-4494	242	31	0.878	0.878	NUM
hassl-4494	242	32	0.877	0.877	NUM
hassl-4494	242	33	0.023	0.023	NUM
hassl-4494	242	34	38.704	38.704	NUM
hassl-4494	242	35	0.000	0.000	NUM
hassl-4494	242	36	accepted	accept	VERB
hassl-4494	242	37	h3	h3	NOUN
hassl-4494	242	38	dlt	dlt	PROPN
hassl-4494	242	39	→	→	PUNCT
hassl-4494	242	40	end	end	VERB
hassl-4494	242	41	0.391	0.391	NUM
hassl-4494	242	42	0.402	0.402	NUM
hassl-4494	242	43	0.128	0.128	NUM
hassl-4494	242	44	3.047	3.047	NUM
hassl-4494	242	45	0.002	0.002	NUM
hassl-4494	242	46	accepted	accept	VERB
hassl-4494	242	47	h4	h4	PROPN
hassl-4494	242	48	dlt	dlt	PROPN
hassl-4494	242	49	→crf→end	→crf→end	PUNCT
hassl-4494	242	50	0.234	0.234	NUM
hassl-4494	242	51	0.221	0.221	NUM
hassl-4494	242	52	0.107	0.107	NUM
hassl-4494	242	53	2.182	2.182	NUM
hassl-4494	242	54	0.030	0.030	NUM
hassl-4494	242	55	accepted	accept	VERB
hassl-4494	242	56	source	source	NOUN
hassl-4494	242	57	:	:	PUNCT
hassl-4494	242	58	data	datum	NOUN
hassl-4494	242	59	processed	process	VERB
hassl-4494	242	60	by	by	ADP
hassl-4494	242	61	researchers	researcher	NOUN
hassl-4494	242	62	,	,	PUNCT
hassl-4494	242	63	2024	2024	NUM
hassl-4494	242	64	based	base	VERB
hassl-4494	242	65	on	on	ADP
hassl-4494	242	66	table	table	NOUN
hassl-4494	242	67	4	4	NUM
hassl-4494	242	68	,	,	PUNCT
hassl-4494	242	69	it	it	PRON
hassl-4494	242	70	can	can	AUX
hassl-4494	242	71	be	be	AUX
hassl-4494	242	72	seen	see	VERB
hassl-4494	242	73	that	that	SCONJ
hassl-4494	242	74	direct	direct	ADJ
hassl-4494	242	75	hypothesis	hypothesis	NOUN
hassl-4494	242	76	testing	testing	NOUN
hassl-4494	242	77	,	,	PUNCT
hassl-4494	242	78	namely	namely	ADV
hassl-4494	242	79	the	the	DET
hassl-4494	242	80	first	first	ADJ
hassl-4494	242	81	hypothesis	hypothesis	NOUN
hassl-4494	242	82	,	,	PUNCT
hassl-4494	242	83	was	be	AUX
hassl-4494	242	84	declared	declare	VERB
hassl-4494	242	85	accepted	accept	VERB
hassl-4494	242	86	with	with	ADP
hassl-4494	242	87	a	a	DET
hassl-4494	242	88	p	p	NOUN
hassl-4494	242	89	value	value	NOUN
hassl-4494	242	90	of	of	ADP
hassl-4494	242	91	0.029	0.029	NUM
hassl-4494	242	92	.	.	PUNCT
hassl-4494	243	1	then	then	ADV
hassl-4494	243	2	the	the	DET
hassl-4494	243	3	second	second	ADJ
hassl-4494	243	4	hypothesis	hypothesis	NOUN
hassl-4494	243	5	was	be	AUX
hassl-4494	243	6	declared	declare	VERB
hassl-4494	243	7	accepted	accept	VERB
hassl-4494	243	8	with	with	ADP
hassl-4494	243	9	a	a	DET
hassl-4494	243	10	p	p	NOUN
hassl-4494	243	11	value	value	NOUN
hassl-4494	243	12	of	of	ADP
hassl-4494	243	13	0.000	0.000	NUM
hassl-4494	243	14	.	.	PUNCT
hassl-4494	244	1	furthermore	furthermore	ADV
hassl-4494	244	2	,	,	PUNCT
hassl-4494	244	3	the	the	DET
hassl-4494	244	4	third	third	ADJ
hassl-4494	244	5	hypothesis	hypothesis	NOUN
hassl-4494	244	6	was	be	AUX
hassl-4494	244	7	declared	declare	VERB
hassl-4494	244	8	accepted	accept	VERB
hassl-4494	244	9	with	with	ADP
hassl-4494	244	10	a	a	DET
hassl-4494	244	11	p	p	NOUN
hassl-4494	244	12	value	value	NOUN
hassl-4494	244	13	of	of	ADP
hassl-4494	244	14	0.002	0.002	NUM
hassl-4494	244	15	.	.	PUNCT
hassl-4494	245	1	indirect	indirect	ADJ
hassl-4494	245	2	hypothesis	hypothesis	NOUN
hassl-4494	245	3	testing	testing	NOUN
hassl-4494	245	4	,	,	PUNCT
hassl-4494	245	5	namely	namely	ADV
hassl-4494	245	6	the	the	DET
hassl-4494	245	7	fourth	fourth	ADJ
hassl-4494	245	8	hypothesis	hypothesis	NOUN
hassl-4494	245	9	,	,	PUNCT
hassl-4494	245	10	was	be	AUX
hassl-4494	245	11	declared	declare	VERB
hassl-4494	245	12	accepted	accept	VERB
hassl-4494	245	13	with	with	ADP
hassl-4494	245	14	a	a	DET
hassl-4494	245	15	p	p	NOUN
hassl-4494	245	16	value	value	NOUN
hassl-4494	245	17	of	of	ADP
hassl-4494	245	18	0.030	0.030	NUM
hassl-4494	245	19	.	.	PUNCT
hassl-4494	246	1	therefore	therefore	ADV
hassl-4494	246	2	,	,	PUNCT
hassl-4494	246	3	it	it	PRON
hassl-4494	246	4	can	can	AUX
hassl-4494	246	5	be	be	AUX
hassl-4494	246	6	concluded	conclude	VERB
hassl-4494	246	7	that	that	SCONJ
hassl-4494	246	8	the	the	DET
hassl-4494	246	9	test	test	NOUN
hassl-4494	246	10	results	result	NOUN
hassl-4494	246	11	of	of	ADP
hassl-4494	246	12	the	the	DET
hassl-4494	246	13	humanities	humanity	NOUN
hassl-4494	246	14	and	and	CCONJ
hassl-4494	246	15	social	social	ADJ
hassl-4494	246	16	sciences	science	NOUN
hassl-4494	246	17	letters	letter	NOUN
hassl-4494	246	18	,	,	PUNCT
hassl-4494	246	19	2025	2025	NUM
hassl-4494	246	20	,	,	PUNCT
hassl-4494	246	21	13(4	13(4	NUM
hassl-4494	246	22	):	):	PUNCT
hassl-4494	246	23	1287	1287	NUM
hassl-4494	246	24	-	-	SYM
hassl-4494	246	25	1303	1303	NUM
hassl-4494	246	26	1296	1296	NUM
hassl-4494	246	27	©	©	PROPN
hassl-4494	246	28	2025	2025	NUM
hassl-4494	246	29	conscientia	conscientia	PROPN
hassl-4494	246	30	beam	beam	PROPN
hassl-4494	246	31	.	.	PUNCT
hassl-4494	247	1	all	all	DET
hassl-4494	247	2	rights	right	NOUN
hassl-4494	247	3	reserved	reserve	VERB
hassl-4494	247	4	.	.	PUNCT
hassl-4494	248	1	four	four	NUM
hassl-4494	248	2	research	research	NOUN
hassl-4494	248	3	hypotheses	hypothesis	NOUN
hassl-4494	248	4	indicate	indicate	VERB
hassl-4494	248	5	that	that	SCONJ
hassl-4494	248	6	the	the	DET
hassl-4494	248	7	use	use	NOUN
hassl-4494	248	8	of	of	ADP
hassl-4494	248	9	credit	credit	NOUN
hassl-4494	248	10	facilities	facility	NOUN
hassl-4494	248	11	significantly	significantly	ADV
hassl-4494	248	12	influences	influence	VERB
hassl-4494	248	13	the	the	DET
hassl-4494	248	14	development	development	NOUN
hassl-4494	248	15	of	of	ADP
hassl-4494	248	16	msmes	msmes	PROPN
hassl-4494	248	17	.	.	PUNCT
hassl-4494	249	1	based	base	VERB
hassl-4494	249	2	on	on	ADP
hassl-4494	249	3	the	the	DET
hassl-4494	249	4	test	test	NOUN
hassl-4494	249	5	results	result	NOUN
hassl-4494	249	6	in	in	ADP
hassl-4494	249	7	table	table	NOUN
hassl-4494	249	8	4	4	NUM
hassl-4494	249	9	,	,	PUNCT
hassl-4494	249	10	it	it	PRON
hassl-4494	249	11	is	be	AUX
hassl-4494	249	12	known	know	VERB
hassl-4494	249	13	that	that	SCONJ
hassl-4494	249	14	the	the	DET
hassl-4494	249	15	h1	h1	PROPN
hassl-4494	249	16	t	t	NOUN
hassl-4494	249	17	-	-	PUNCT
hassl-4494	249	18	value	value	NOUN
hassl-4494	249	19	is	be	AUX
hassl-4494	249	20	2.189	2.189	NUM
hassl-4494	249	21	>	>	SYM
hassl-4494	249	22	1.97	1.97	NUM
hassl-4494	249	23	,	,	PUNCT
hassl-4494	249	24	which	which	PRON
hassl-4494	249	25	is	be	AUX
hassl-4494	249	26	significant	significant	ADJ
hassl-4494	249	27	.	.	PUNCT
hassl-4494	250	1	digital	digital	ADJ
hassl-4494	250	2	literacy	literacy	NOUN
hassl-4494	250	3	significantly	significantly	ADV
hassl-4494	250	4	influences	influence	VERB
hassl-4494	250	5	the	the	DET
hassl-4494	250	6	use	use	NOUN
hassl-4494	250	7	of	of	ADP
hassl-4494	250	8	credit	credit	NOUN
hassl-4494	250	9	facilities	facility	NOUN
hassl-4494	250	10	.	.	PUNCT
hassl-4494	251	1	based	base	VERB
hassl-4494	251	2	on	on	ADP
hassl-4494	251	3	the	the	DET
hassl-4494	251	4	test	test	NOUN
hassl-4494	251	5	results	result	NOUN
hassl-4494	251	6	,	,	PUNCT
hassl-4494	251	7	it	it	PRON
hassl-4494	251	8	is	be	AUX
hassl-4494	251	9	known	know	VERB
hassl-4494	251	10	that	that	SCONJ
hassl-4494	251	11	the	the	DET
hassl-4494	251	12	h2	h2	PROPN
hassl-4494	251	13	t	t	PROPN
hassl-4494	251	14	-	-	PUNCT
hassl-4494	251	15	value	value	NOUN
hassl-4494	251	16	is	be	AUX
hassl-4494	251	17	38.704	38.704	NUM
hassl-4494	251	18	>	>	SYM
hassl-4494	251	19	1.97	1.97	NUM
hassl-4494	251	20	,	,	PUNCT
hassl-4494	251	21	which	which	PRON
hassl-4494	251	22	is	be	AUX
hassl-4494	251	23	significant	significant	ADJ
hassl-4494	251	24	.	.	PUNCT
hassl-4494	252	1	digital	digital	ADJ
hassl-4494	252	2	literacy	literacy	NOUN
hassl-4494	252	3	significantly	significantly	ADV
hassl-4494	252	4	influences	influence	VERB
hassl-4494	252	5	the	the	DET
hassl-4494	252	6	development	development	NOUN
hassl-4494	252	7	of	of	ADP
hassl-4494	252	8	msmes	msmes	PROPN
hassl-4494	252	9	.	.	PUNCT
hassl-4494	253	1	based	base	VERB
hassl-4494	253	2	on	on	ADP
hassl-4494	253	3	the	the	DET
hassl-4494	253	4	test	test	NOUN
hassl-4494	253	5	results	result	NOUN
hassl-4494	253	6	,	,	PUNCT
hassl-4494	253	7	it	it	PRON
hassl-4494	253	8	is	be	AUX
hassl-4494	253	9	known	know	VERB
hassl-4494	253	10	that	that	SCONJ
hassl-4494	253	11	the	the	DET
hassl-4494	253	12	h3	h3	NOUN
hassl-4494	253	13	t	t	NOUN
hassl-4494	253	14	-	-	PUNCT
hassl-4494	253	15	value	value	NOUN
hassl-4494	253	16	is	be	AUX
hassl-4494	253	17	3.047	3.047	NUM
hassl-4494	253	18	>	>	SYM
hassl-4494	253	19	1.97	1.97	NUM
hassl-4494	253	20	,	,	PUNCT
hassl-4494	253	21	which	which	PRON
hassl-4494	253	22	is	be	AUX
hassl-4494	253	23	significant	significant	ADJ
hassl-4494	253	24	.	.	PUNCT
hassl-4494	254	1	digital	digital	ADJ
hassl-4494	254	2	literacy	literacy	NOUN
hassl-4494	254	3	has	have	VERB
hassl-4494	254	4	a	a	DET
hassl-4494	254	5	significant	significant	ADJ
hassl-4494	254	6	influence	influence	NOUN
hassl-4494	254	7	through	through	ADP
hassl-4494	254	8	the	the	DET
hassl-4494	254	9	use	use	NOUN
hassl-4494	254	10	of	of	ADP
hassl-4494	254	11	credit	credit	NOUN
hassl-4494	254	12	facilities	facility	NOUN
hassl-4494	254	13	on	on	ADP
hassl-4494	254	14	the	the	DET
hassl-4494	254	15	development	development	NOUN
hassl-4494	254	16	of	of	ADP
hassl-4494	254	17	msmes	msmes	PROPN
hassl-4494	254	18	.	.	PUNCT
hassl-4494	255	1	based	base	VERB
hassl-4494	255	2	on	on	ADP
hassl-4494	255	3	the	the	DET
hassl-4494	255	4	test	test	NOUN
hassl-4494	255	5	results	result	NOUN
hassl-4494	255	6	,	,	PUNCT
hassl-4494	255	7	it	it	PRON
hassl-4494	255	8	is	be	AUX
hassl-4494	255	9	known	know	VERB
hassl-4494	255	10	that	that	SCONJ
hassl-4494	255	11	the	the	DET
hassl-4494	255	12	h4	h4	PROPN
hassl-4494	255	13	t	t	PROPN
hassl-4494	255	14	-	-	PUNCT
hassl-4494	255	15	value	value	NOUN
hassl-4494	255	16	is	be	AUX
hassl-4494	255	17	2.182	2.182	NUM
hassl-4494	255	18	>	>	SYM
hassl-4494	255	19	1.97	1.97	NUM
hassl-4494	255	20	,	,	PUNCT
hassl-4494	255	21	which	which	PRON
hassl-4494	255	22	is	be	AUX
hassl-4494	255	23	significant	significant	ADJ
hassl-4494	255	24	.	.	PUNCT
hassl-4494	256	1	based	base	VERB
hassl-4494	256	2	on	on	ADP
hassl-4494	256	3	hypothesis	hypothesis	NOUN
hassl-4494	256	4	testing	testing	NOUN
hassl-4494	256	5	of	of	ADP
hassl-4494	256	6	the	the	DET
hassl-4494	256	7	independent	independent	ADJ
hassl-4494	256	8	variable	variable	NOUN
hassl-4494	256	9	on	on	ADP
hassl-4494	256	10	the	the	DET
hassl-4494	256	11	dependent	dependent	ADJ
hassl-4494	256	12	variable	variable	NOUN
hassl-4494	256	13	,	,	PUNCT
hassl-4494	256	14	which	which	PRON
hassl-4494	256	15	results	result	VERB
hassl-4494	256	16	in	in	ADP
hassl-4494	256	17	the	the	DET
hassl-4494	256	18	independent	independent	ADJ
hassl-4494	256	19	variable	variable	NOUN
hassl-4494	256	20	directly	directly	ADV
hassl-4494	256	21	influencing	influence	VERB
hassl-4494	256	22	the	the	DET
hassl-4494	256	23	dependent	dependent	ADJ
hassl-4494	256	24	variable	variable	NOUN
hassl-4494	256	25	,	,	PUNCT
hassl-4494	256	26	it	it	PRON
hassl-4494	256	27	can	can	AUX
hassl-4494	256	28	be	be	AUX
hassl-4494	256	29	concluded	conclude	VERB
hassl-4494	256	30	that	that	SCONJ
hassl-4494	256	31	the	the	DET
hassl-4494	256	32	variable	variable	ADJ
hassl-4494	256	33	use	use	NOUN
hassl-4494	256	34	of	of	ADP
hassl-4494	256	35	credit	credit	NOUN
hassl-4494	256	36	facilities	facility	NOUN
hassl-4494	256	37	can	can	AUX
hassl-4494	256	38	partially	partially	ADV
hassl-4494	256	39	mediate	mediate	VERB
hassl-4494	256	40	digital	digital	ADJ
hassl-4494	256	41	literacy	literacy	NOUN
hassl-4494	256	42	in	in	ADP
hassl-4494	256	43	the	the	DET
hassl-4494	256	44	development	development	NOUN
hassl-4494	256	45	of	of	ADP
hassl-4494	256	46	msmes	msmes	PROPN
hassl-4494	256	47	.	.	PUNCT
hassl-4494	257	1	the	the	DET
hassl-4494	257	2	complete	complete	ADJ
hassl-4494	257	3	picture	picture	NOUN
hassl-4494	257	4	of	of	ADP
hassl-4494	257	5	hypothesis	hypothesis	NOUN
hassl-4494	257	6	testing	testing	NOUN
hassl-4494	257	7	with	with	ADP
hassl-4494	257	8	pls	pls	PROPN
hassl-4494	257	9	is	be	AUX
hassl-4494	257	10	as	as	SCONJ
hassl-4494	257	11	follows	follow	VERB
hassl-4494	257	12	:	:	PUNCT
hassl-4494	257	13	figure	figure	NOUN
hassl-4494	257	14	2	2	NUM
hassl-4494	257	15	.	.	PUNCT
hassl-4494	257	16	structural	structural	ADJ
hassl-4494	257	17	model	model	NOUN
hassl-4494	257	18	of	of	ADP
hassl-4494	257	19	small	small	ADJ
hassl-4494	257	20	and	and	CCONJ
hassl-4494	257	21	medium	medium	ADJ
hassl-4494	257	22	enterprise	enterprise	NOUN
hassl-4494	257	23	development	development	NOUN
hassl-4494	257	24	research	research	NOUN
hassl-4494	257	25	.	.	PUNCT
hassl-4494	258	1	source	source	NOUN
hassl-4494	258	2	:	:	PUNCT
hassl-4494	258	3	research	research	NOUN
hassl-4494	258	4	data	datum	NOUN
hassl-4494	258	5	processing	processing	NOUN
hassl-4494	258	6	,	,	PUNCT
hassl-4494	258	7	2024	2024	NUM
hassl-4494	258	8	.	.	PUNCT
hassl-4494	259	1	figure	figure	NOUN
hassl-4494	259	2	2	2	NUM
hassl-4494	259	3	illustrates	illustrate	VERB
hassl-4494	259	4	the	the	DET
hassl-4494	259	5	results	result	NOUN
hassl-4494	259	6	of	of	ADP
hassl-4494	259	7	the	the	DET
hassl-4494	259	8	structural	structural	ADJ
hassl-4494	259	9	model	model	NOUN
hassl-4494	259	10	of	of	ADP
hassl-4494	259	11	small	small	ADJ
hassl-4494	259	12	and	and	CCONJ
hassl-4494	259	13	medium	medium	ADJ
hassl-4494	259	14	enterprise	enterprise	NOUN
hassl-4494	259	15	development	development	NOUN
hassl-4494	259	16	research	research	NOUN
hassl-4494	259	17	.	.	PUNCT
hassl-4494	260	1	based	base	VERB
hassl-4494	260	2	on	on	ADP
hassl-4494	260	3	the	the	DET
hassl-4494	260	4	efa	efa	PROPN
hassl-4494	260	5	test	test	NOUN
hassl-4494	260	6	results	result	NOUN
hassl-4494	260	7	obtained	obtain	VERB
hassl-4494	260	8	in	in	ADP
hassl-4494	260	9	the	the	DET
hassl-4494	260	10	dlt	dlt	PROPN
hassl-4494	260	11	variable	variable	NOUN
hassl-4494	260	12	,	,	PUNCT
hassl-4494	260	13	all	all	DET
hassl-4494	260	14	instruments	instrument	NOUN
hassl-4494	260	15	have	have	AUX
hassl-4494	260	16	met	meet	VERB
hassl-4494	260	17	the	the	DET
hassl-4494	260	18	loading	loading	NOUN
hassl-4494	260	19	factor	factor	NOUN
hassl-4494	260	20	criteria	criterion	NOUN
hassl-4494	260	21	above	above	ADP
hassl-4494	260	22	0.7	0.7	NUM
hassl-4494	260	23	with	with	ADP
hassl-4494	260	24	16	16	NUM
hassl-4494	260	25	instrument	instrument	NOUN
hassl-4494	260	26	items	item	NOUN
hassl-4494	260	27	.	.	PUNCT
hassl-4494	261	1	likewise	likewise	ADV
hassl-4494	261	2	,	,	PUNCT
hassl-4494	261	3	the	the	DET
hassl-4494	261	4	crf	crf	PROPN
hassl-4494	261	5	variable	variable	NOUN
hassl-4494	261	6	with	with	ADP
hassl-4494	261	7	8	8	NUM
hassl-4494	261	8	instrument	instrument	NOUN
hassl-4494	261	9	items	item	NOUN
hassl-4494	261	10	has	have	VERB
hassl-4494	261	11	a	a	DET
hassl-4494	261	12	loading	loading	NOUN
hassl-4494	261	13	factor	factor	NOUN
hassl-4494	261	14	above	above	ADP
hassl-4494	261	15	0.7	0.7	NUM
hassl-4494	261	16	,	,	PUNCT
hassl-4494	261	17	and	and	CCONJ
hassl-4494	261	18	end	end	VERB
hassl-4494	261	19	with	with	ADP
hassl-4494	261	20	12	12	NUM
hassl-4494	261	21	instrument	instrument	NOUN
hassl-4494	261	22	items	item	NOUN
hassl-4494	261	23	also	also	ADV
hassl-4494	261	24	has	have	VERB
hassl-4494	261	25	a	a	DET
hassl-4494	261	26	loading	loading	NOUN
hassl-4494	261	27	factor	factor	NOUN
hassl-4494	261	28	above	above	ADP
hassl-4494	261	29	0.7	0.7	NUM
hassl-4494	261	30	.	.	PUNCT
hassl-4494	262	1	this	this	PRON
hassl-4494	262	2	confirms	confirm	VERB
hassl-4494	262	3	that	that	SCONJ
hassl-4494	262	4	the	the	DET
hassl-4494	262	5	instrument	instrument	NOUN
hassl-4494	262	6	is	be	AUX
hassl-4494	262	7	capable	capable	ADJ
hassl-4494	262	8	of	of	ADP
hassl-4494	262	9	measuring	measure	VERB
hassl-4494	262	10	the	the	DET
hassl-4494	262	11	variables	variable	NOUN
hassl-4494	262	12	in	in	ADP
hassl-4494	262	13	the	the	DET
hassl-4494	262	14	modeling	modeling	NOUN
hassl-4494	262	15	.	.	PUNCT
hassl-4494	263	1	furthermore	furthermore	ADV
hassl-4494	263	2	,	,	PUNCT
hassl-4494	263	3	based	base	VERB
hassl-4494	263	4	on	on	ADP
hassl-4494	263	5	the	the	DET
hassl-4494	263	6	cfa	cfa	PROPN
hassl-4494	263	7	test	test	NOUN
hassl-4494	263	8	,	,	PUNCT
hassl-4494	263	9	the	the	DET
hassl-4494	263	10	influence	influence	NOUN
hassl-4494	263	11	between	between	ADP
hassl-4494	263	12	variables	variable	NOUN
hassl-4494	263	13	shows	show	VERB
hassl-4494	263	14	that	that	SCONJ
hassl-4494	263	15	crf	crf	PROPN
hassl-4494	263	16	on	on	ADP
hassl-4494	263	17	end	end	NOUN
hassl-4494	263	18	is	be	AUX
hassl-4494	263	19	0.267	0.267	NUM
hassl-4494	263	20	,	,	PUNCT
hassl-4494	263	21	dlt	dlt	PROPN
hassl-4494	263	22	on	on	ADP
hassl-4494	263	23	crf	crf	PROPN
hassl-4494	263	24	is	be	AUX
hassl-4494	263	25	0.878	0.878	NUM
hassl-4494	263	26	,	,	PUNCT
hassl-4494	263	27	dlt	dlt	PROPN
hassl-4494	263	28	on	on	ADP
hassl-4494	263	29	end	end	NOUN
hassl-4494	263	30	is	be	AUX
hassl-4494	263	31	0.391	0.391	NUM
hassl-4494	263	32	,	,	PUNCT
hassl-4494	263	33	and	and	CCONJ
hassl-4494	263	34	dlt	dlt	PROPN
hassl-4494	263	35	on	on	ADP
hassl-4494	263	36	crf	crf	PROPN
hassl-4494	263	37	on	on	ADP
hassl-4494	263	38	end	end	NOUN
hassl-4494	263	39	is	be	AUX
hassl-4494	263	40	0.234	0.234	NUM
hassl-4494	263	41	.	.	PUNCT
hassl-4494	264	1	based	base	VERB
hassl-4494	264	2	on	on	ADP
hassl-4494	264	3	the	the	DET
hassl-4494	264	4	data	data	NOUN
hassl-4494	264	5	description	description	NOUN
hassl-4494	264	6	,	,	PUNCT
hassl-4494	264	7	data	data	VERB
hassl-4494	264	8	analysis	analysis	NOUN
hassl-4494	264	9	testing	testing	NOUN
hassl-4494	264	10	,	,	PUNCT
hassl-4494	264	11	and	and	CCONJ
hassl-4494	264	12	hypothesis	hypothesis	NOUN
hassl-4494	264	13	testing	testing	NOUN
hassl-4494	264	14	,	,	PUNCT
hassl-4494	264	15	it	it	PRON
hassl-4494	264	16	can	can	AUX
hassl-4494	264	17	be	be	AUX
hassl-4494	264	18	seen	see	VERB
hassl-4494	264	19	that	that	SCONJ
hassl-4494	264	20	the	the	DET
hassl-4494	264	21	four	four	NUM
hassl-4494	264	22	hypotheses	hypothesis	NOUN
hassl-4494	264	23	proposed	propose	VERB
hassl-4494	264	24	in	in	ADP
hassl-4494	264	25	this	this	DET
hassl-4494	264	26	research	research	NOUN
hassl-4494	264	27	were	be	AUX
hassl-4494	264	28	accepted	accept	VERB
hassl-4494	264	29	.	.	PUNCT
hassl-4494	265	1	the	the	DET
hassl-4494	265	2	use	use	NOUN
hassl-4494	265	3	of	of	ADP
hassl-4494	265	4	credit	credit	NOUN
hassl-4494	265	5	facilities	facility	NOUN
hassl-4494	265	6	influences	influence	VERB
hassl-4494	265	7	the	the	DET
hassl-4494	265	8	development	development	NOUN
hassl-4494	265	9	of	of	ADP
hassl-4494	265	10	msmes	msmes	PROPN
hassl-4494	265	11	.	.	PUNCT
hassl-4494	266	1	digital	digital	ADJ
hassl-4494	266	2	literacy	literacy	NOUN
hassl-4494	266	3	significantly	significantly	ADV
hassl-4494	266	4	influences	influence	VERB
hassl-4494	266	5	the	the	DET
hassl-4494	266	6	use	use	NOUN
hassl-4494	266	7	of	of	ADP
hassl-4494	266	8	credit	credit	NOUN
hassl-4494	266	9	facilities	facility	NOUN
hassl-4494	266	10	.	.	PUNCT
hassl-4494	267	1	digital	digital	ADJ
hassl-4494	267	2	literacy	literacy	NOUN
hassl-4494	267	3	significantly	significantly	ADV
hassl-4494	267	4	influences	influence	VERB
hassl-4494	267	5	the	the	DET
hassl-4494	267	6	development	development	NOUN
hassl-4494	267	7	of	of	ADP
hassl-4494	267	8	msmes	msmes	PROPN
hassl-4494	267	9	.	.	PUNCT
hassl-4494	268	1	digital	digital	ADJ
hassl-4494	268	2	literacy	literacy	NOUN
hassl-4494	268	3	has	have	VERB
hassl-4494	268	4	a	a	DET
hassl-4494	268	5	significant	significant	ADJ
hassl-4494	268	6	influence	influence	NOUN
hassl-4494	268	7	through	through	ADP
hassl-4494	268	8	the	the	DET
hassl-4494	268	9	use	use	NOUN
hassl-4494	268	10	of	of	ADP
hassl-4494	268	11	credit	credit	NOUN
hassl-4494	268	12	facilities	facility	NOUN
hassl-4494	268	13	on	on	ADP
hassl-4494	268	14	the	the	DET
hassl-4494	268	15	development	development	NOUN
hassl-4494	268	16	of	of	ADP
hassl-4494	268	17	msmes	msmes	PROPN
hassl-4494	268	18	.	.	PUNCT
hassl-4494	269	1	based	base	VERB
hassl-4494	269	2	on	on	ADP
hassl-4494	269	3	hypothesis	hypothesis	NOUN
hassl-4494	269	4	testing	testing	NOUN
hassl-4494	269	5	of	of	ADP
hassl-4494	269	6	the	the	DET
hassl-4494	269	7	independent	independent	ADJ
hassl-4494	269	8	variable	variable	NOUN
hassl-4494	269	9	on	on	ADP
hassl-4494	269	10	the	the	DET
hassl-4494	269	11	dependent	dependent	ADJ
hassl-4494	269	12	variable	variable	NOUN
hassl-4494	269	13	,	,	PUNCT
hassl-4494	269	14	which	which	DET
hassl-4494	269	15	humanities	humanity	NOUN
hassl-4494	269	16	and	and	CCONJ
hassl-4494	269	17	social	social	ADJ
hassl-4494	269	18	sciences	science	NOUN
hassl-4494	269	19	letters	letter	NOUN
hassl-4494	269	20	,	,	PUNCT
hassl-4494	269	21	2025	2025	NUM
hassl-4494	269	22	,	,	PUNCT
hassl-4494	269	23	13(4	13(4	NUM
hassl-4494	269	24	):	):	PUNCT
hassl-4494	269	25	1287	1287	NUM
hassl-4494	269	26	-	-	SYM
hassl-4494	269	27	1303	1303	NUM
hassl-4494	269	28	1297	1297	NUM
hassl-4494	269	29	©	©	PROPN
hassl-4494	269	30	2025	2025	NUM
hassl-4494	269	31	conscientia	conscientia	PROPN
hassl-4494	269	32	beam	beam	PROPN
hassl-4494	269	33	.	.	PUNCT
hassl-4494	270	1	all	all	DET
hassl-4494	270	2	rights	right	NOUN
hassl-4494	270	3	reserved	reserve	VERB
hassl-4494	270	4	.	.	PUNCT
hassl-4494	271	1	results	result	NOUN
hassl-4494	271	2	in	in	ADP
hassl-4494	271	3	the	the	DET
hassl-4494	271	4	independent	independent	ADJ
hassl-4494	271	5	variable	variable	NOUN
hassl-4494	271	6	directly	directly	ADV
hassl-4494	271	7	influencing	influence	VERB
hassl-4494	271	8	the	the	DET
hassl-4494	271	9	dependent	dependent	ADJ
hassl-4494	271	10	variable	variable	NOUN
hassl-4494	271	11	,	,	PUNCT
hassl-4494	271	12	it	it	PRON
hassl-4494	271	13	can	can	AUX
hassl-4494	271	14	be	be	AUX
hassl-4494	271	15	concluded	conclude	VERB
hassl-4494	271	16	that	that	SCONJ
hassl-4494	271	17	the	the	DET
hassl-4494	271	18	variable	variable	ADJ
hassl-4494	271	19	use	use	NOUN
hassl-4494	271	20	of	of	ADP
hassl-4494	271	21	credit	credit	NOUN
hassl-4494	271	22	facilities	facility	NOUN
hassl-4494	271	23	can	can	AUX
hassl-4494	271	24	partially	partially	ADV
hassl-4494	271	25	mediate	mediate	VERB
hassl-4494	271	26	digital	digital	ADJ
hassl-4494	271	27	literacy	literacy	NOUN
hassl-4494	271	28	in	in	ADP
hassl-4494	271	29	the	the	DET
hassl-4494	271	30	development	development	NOUN
hassl-4494	271	31	of	of	ADP
hassl-4494	271	32	msmes	msmes	PROPN
hassl-4494	271	33	.	.	PUNCT
hassl-4494	272	1	based	base	VERB
hassl-4494	272	2	on	on	ADP
hassl-4494	272	3	the	the	DET
hassl-4494	272	4	results	result	NOUN
hassl-4494	272	5	of	of	ADP
hassl-4494	272	6	the	the	DET
hassl-4494	272	7	research	research	NOUN
hassl-4494	272	8	variable	variable	ADJ
hassl-4494	272	9	study	study	NOUN
hassl-4494	272	10	,	,	PUNCT
hassl-4494	272	11	use	use	NOUN
hassl-4494	272	12	of	of	ADP
hassl-4494	272	13	credit	credit	NOUN
hassl-4494	272	14	facilities	facility	NOUN
hassl-4494	272	15	in	in	ADP
hassl-4494	272	16	a	a	DET
hassl-4494	272	17	business	business	NOUN
hassl-4494	272	18	context	context	NOUN
hassl-4494	272	19	,	,	PUNCT
hassl-4494	272	20	it	it	PRON
hassl-4494	272	21	can	can	AUX
hassl-4494	272	22	be	be	AUX
hassl-4494	272	23	concluded	conclude	VERB
hassl-4494	272	24	that	that	SCONJ
hassl-4494	272	25	the	the	DET
hassl-4494	272	26	majority	majority	NOUN
hassl-4494	272	27	of	of	ADP
hassl-4494	272	28	respondents	respondent	NOUN
hassl-4494	272	29	were	be	AUX
hassl-4494	272	30	satisfied	satisfied	ADJ
hassl-4494	272	31	with	with	ADP
hassl-4494	272	32	the	the	DET
hassl-4494	272	33	use	use	NOUN
hassl-4494	272	34	of	of	ADP
hassl-4494	272	35	the	the	DET
hassl-4494	272	36	credit	credit	NOUN
hassl-4494	272	37	funds	fund	NOUN
hassl-4494	272	38	they	they	PRON
hassl-4494	272	39	received	receive	VERB
hassl-4494	272	40	,	,	PUNCT
hassl-4494	272	41	which	which	PRON
hassl-4494	272	42	were	be	AUX
hassl-4494	272	43	by	by	ADP
hassl-4494	272	44	their	their	PRON
hassl-4494	272	45	application	application	NOUN
hassl-4494	272	46	and	and	CCONJ
hassl-4494	272	47	were	be	AUX
hassl-4494	272	48	adequate	adequate	ADJ
hassl-4494	272	49	to	to	PART
hassl-4494	272	50	overcome	overcome	VERB
hassl-4494	272	51	changes	change	NOUN
hassl-4494	272	52	in	in	ADP
hassl-4494	272	53	raw	raw	ADJ
hassl-4494	272	54	material	material	NOUN
hassl-4494	272	55	prices	price	NOUN
hassl-4494	272	56	.	.	PUNCT
hassl-4494	273	1	the	the	DET
hassl-4494	273	2	credit	credit	NOUN
hassl-4494	273	3	provided	provide	VERB
hassl-4494	273	4	has	have	AUX
hassl-4494	273	5	proven	prove	VERB
hassl-4494	273	6	to	to	PART
hassl-4494	273	7	help	help	VERB
hassl-4494	273	8	purchase	purchase	VERB
hassl-4494	273	9	raw	raw	ADJ
hassl-4494	273	10	materials	material	NOUN
hassl-4494	273	11	and	and	CCONJ
hassl-4494	273	12	enable	enable	VERB
hassl-4494	273	13	the	the	DET
hassl-4494	273	14	renewal	renewal	NOUN
hassl-4494	273	15	of	of	ADP
hassl-4494	273	16	business	business	NOUN
hassl-4494	273	17	equipment	equipment	NOUN
hassl-4494	273	18	.	.	PUNCT
hassl-4494	274	1	although	although	SCONJ
hassl-4494	274	2	some	some	PRON
hassl-4494	274	3	face	face	VERB
hassl-4494	274	4	challenges	challenge	NOUN
hassl-4494	274	5	in	in	ADP
hassl-4494	274	6	planning	plan	VERB
hassl-4494	274	7	the	the	DET
hassl-4494	274	8	allocation	allocation	NOUN
hassl-4494	274	9	of	of	ADP
hassl-4494	274	10	credit	credit	NOUN
hassl-4494	274	11	funds	fund	NOUN
hassl-4494	274	12	,	,	PUNCT
hassl-4494	274	13	many	many	ADJ
hassl-4494	274	14	have	have	AUX
hassl-4494	274	15	succeeded	succeed	VERB
hassl-4494	274	16	in	in	ADP
hassl-4494	274	17	using	use	VERB
hassl-4494	274	18	these	these	DET
hassl-4494	274	19	funds	fund	NOUN
hassl-4494	274	20	to	to	PART
hassl-4494	274	21	open	open	VERB
hassl-4494	274	22	new	new	ADJ
hassl-4494	274	23	branches	branch	NOUN
hassl-4494	274	24	and	and	CCONJ
hassl-4494	274	25	meet	meet	VERB
hassl-4494	274	26	credit	credit	NOUN
hassl-4494	274	27	burdens	burden	NOUN
hassl-4494	274	28	on	on	ADP
hassl-4494	274	29	time	time	NOUN
hassl-4494	274	30	.	.	PUNCT
hassl-4494	275	1	overall	overall	ADV
hassl-4494	275	2	,	,	PUNCT
hassl-4494	275	3	the	the	DET
hassl-4494	275	4	credit	credit	NOUN
hassl-4494	275	5	burden	burden	NOUN
hassl-4494	275	6	is	be	AUX
hassl-4494	275	7	considered	consider	VERB
hassl-4494	275	8	low	low	ADJ
hassl-4494	275	9	and	and	CCONJ
hassl-4494	275	10	can	can	AUX
hassl-4494	275	11	be	be	AUX
hassl-4494	275	12	managed	manage	VERB
hassl-4494	275	13	well	well	ADV
hassl-4494	275	14	,	,	PUNCT
hassl-4494	275	15	although	although	SCONJ
hassl-4494	275	16	there	there	PRON
hassl-4494	275	17	are	be	VERB
hassl-4494	275	18	several	several	ADJ
hassl-4494	275	19	obstacles	obstacle	NOUN
hassl-4494	275	20	in	in	ADP
hassl-4494	275	21	paying	pay	VERB
hassl-4494	275	22	the	the	DET
hassl-4494	275	23	credit	credit	NOUN
hassl-4494	275	24	burden	burden	NOUN
hassl-4494	275	25	according	accord	VERB
hassl-4494	275	26	to	to	ADP
hassl-4494	275	27	the	the	DET
hassl-4494	275	28	company	company	NOUN
hassl-4494	275	29	's	's	PART
hassl-4494	275	30	capabilities	capability	NOUN
hassl-4494	275	31	.	.	PUNCT
hassl-4494	276	1	in	in	ADP
hassl-4494	276	2	the	the	DET
hassl-4494	276	3	digital	digital	ADJ
hassl-4494	276	4	literacy	literacy	NOUN
hassl-4494	276	5	variable	variable	NOUN
hassl-4494	276	6	,	,	PUNCT
hassl-4494	276	7	differences	difference	NOUN
hassl-4494	276	8	in	in	ADP
hassl-4494	276	9	scores	score	NOUN
hassl-4494	276	10	indicate	indicate	VERB
hassl-4494	276	11	unequal	unequal	ADJ
hassl-4494	276	12	abilities	ability	NOUN
hassl-4494	276	13	in	in	ADP
hassl-4494	276	14	using	use	VERB
hassl-4494	276	15	and	and	CCONJ
hassl-4494	276	16	assessing	assess	VERB
hassl-4494	276	17	digital	digital	ADJ
hassl-4494	276	18	information	information	NOUN
hassl-4494	276	19	.	.	PUNCT
hassl-4494	277	1	the	the	DET
hassl-4494	277	2	highest	high	ADJ
hassl-4494	277	3	score	score	NOUN
hassl-4494	277	4	on	on	ADP
hassl-4494	277	5	item	item	NOUN
hassl-4494	277	6	dlt11	dlt11	NOUN
hassl-4494	277	7	,	,	PUNCT
hassl-4494	277	8	which	which	PRON
hassl-4494	277	9	states	state	VERB
hassl-4494	277	10	"	"	PUNCT
hassl-4494	277	11	i	i	PRON
hassl-4494	277	12	can	can	AUX
hassl-4494	277	13	search	search	VERB
hassl-4494	277	14	for	for	ADP
hassl-4494	277	15	internet	internet	NOUN
hassl-4494	277	16	sources	source	NOUN
hassl-4494	277	17	and	and	CCONJ
hassl-4494	277	18	creators	creator	NOUN
hassl-4494	277	19	of	of	ADP
hassl-4494	277	20	information	information	NOUN
hassl-4494	277	21	via	via	ADP
hassl-4494	277	22	the	the	DET
hassl-4494	277	23	internet	internet	NOUN
hassl-4494	277	24	,	,	PUNCT
hassl-4494	277	25	"	"	PUNCT
hassl-4494	277	26	shows	show	VERB
hassl-4494	277	27	that	that	SCONJ
hassl-4494	277	28	the	the	DET
hassl-4494	277	29	individual	individual	NOUN
hassl-4494	277	30	is	be	AUX
hassl-4494	277	31	quite	quite	ADV
hassl-4494	277	32	proficient	proficient	ADJ
hassl-4494	277	33	in	in	ADP
hassl-4494	277	34	searching	search	VERB
hassl-4494	277	35	for	for	ADP
hassl-4494	277	36	and	and	CCONJ
hassl-4494	277	37	identifying	identify	VERB
hassl-4494	277	38	information	information	NOUN
hassl-4494	277	39	sources	source	NOUN
hassl-4494	277	40	.	.	PUNCT
hassl-4494	278	1	however	however	ADV
hassl-4494	278	2	,	,	PUNCT
hassl-4494	278	3	the	the	DET
hassl-4494	278	4	lowest	low	ADJ
hassl-4494	278	5	score	score	NOUN
hassl-4494	278	6	on	on	ADP
hassl-4494	278	7	item	item	PROPN
hassl-4494	278	8	dlt7	dlt7	PROPN
hassl-4494	278	9	,	,	PUNCT
hassl-4494	278	10	which	which	PRON
hassl-4494	278	11	states	state	VERB
hassl-4494	278	12	"	"	PUNCT
hassl-4494	278	13	i	i	PRON
hassl-4494	278	14	can	can	AUX
hassl-4494	278	15	analyze	analyze	VERB
hassl-4494	278	16	the	the	DET
hassl-4494	278	17	sources	source	NOUN
hassl-4494	278	18	of	of	ADP
hassl-4494	278	19	information	information	NOUN
hassl-4494	278	20	i	i	PRON
hassl-4494	278	21	obtain	obtain	VERB
hassl-4494	278	22	to	to	PART
hassl-4494	278	23	ensure	ensure	VERB
hassl-4494	278	24	the	the	DET
hassl-4494	278	25	validity	validity	NOUN
hassl-4494	278	26	of	of	ADP
hassl-4494	278	27	those	those	DET
hassl-4494	278	28	sources	source	NOUN
hassl-4494	278	29	,	,	PUNCT
hassl-4494	278	30	"	"	PUNCT
hassl-4494	278	31	indicates	indicate	VERB
hassl-4494	278	32	a	a	DET
hassl-4494	278	33	deficiency	deficiency	NOUN
hassl-4494	278	34	in	in	ADP
hassl-4494	278	35	the	the	DET
hassl-4494	278	36	ability	ability	NOUN
hassl-4494	278	37	to	to	PART
hassl-4494	278	38	critically	critically	ADV
hassl-4494	278	39	analyze	analyze	VERB
hassl-4494	278	40	the	the	DET
hassl-4494	278	41	validity	validity	NOUN
hassl-4494	278	42	of	of	ADP
hassl-4494	278	43	information	information	NOUN
hassl-4494	278	44	sources	source	NOUN
hassl-4494	278	45	.	.	PUNCT
hassl-4494	279	1	this	this	DET
hassl-4494	279	2	highlights	highlight	NOUN
hassl-4494	279	3	the	the	DET
hassl-4494	279	4	need	need	NOUN
hassl-4494	279	5	to	to	PART
hassl-4494	279	6	improve	improve	VERB
hassl-4494	279	7	the	the	DET
hassl-4494	279	8	ability	ability	NOUN
hassl-4494	279	9	to	to	PART
hassl-4494	279	10	assess	assess	VERB
hassl-4494	279	11	and	and	CCONJ
hassl-4494	279	12	analyze	analyze	VERB
hassl-4494	279	13	information	information	NOUN
hassl-4494	279	14	to	to	PART
hassl-4494	279	15	ensure	ensure	VERB
hassl-4494	279	16	that	that	SCONJ
hassl-4494	279	17	the	the	DET
hassl-4494	279	18	information	information	NOUN
hassl-4494	279	19	received	receive	VERB
hassl-4494	279	20	is	be	AUX
hassl-4494	279	21	truly	truly	ADV
hassl-4494	279	22	reliable	reliable	ADJ
hassl-4494	279	23	and	and	CCONJ
hassl-4494	279	24	of	of	ADP
hassl-4494	279	25	good	good	ADJ
hassl-4494	279	26	quality	quality	NOUN
hassl-4494	279	27	.	.	PUNCT
hassl-4494	280	1	in	in	ADP
hassl-4494	280	2	the	the	DET
hassl-4494	280	3	context	context	NOUN
hassl-4494	280	4	of	of	ADP
hassl-4494	280	5	msmes	msmes	PROPN
hassl-4494	280	6	development	development	PROPN
hassl-4494	280	7	,	,	PUNCT
hassl-4494	280	8	the	the	DET
hassl-4494	280	9	highest	high	ADJ
hassl-4494	280	10	score	score	NOUN
hassl-4494	280	11	on	on	ADP
hassl-4494	280	12	item	item	NOUN
hassl-4494	280	13	end1	end1	PROPN
hassl-4494	280	14	,	,	PUNCT
hassl-4494	280	15	which	which	PRON
hassl-4494	280	16	states	state	VERB
hassl-4494	280	17	"	"	PUNCT
hassl-4494	280	18	experiencing	experience	VERB
hassl-4494	280	19	an	an	DET
hassl-4494	280	20	increase	increase	NOUN
hassl-4494	280	21	in	in	ADP
hassl-4494	280	22	demand	demand	NOUN
hassl-4494	280	23	for	for	ADP
hassl-4494	280	24	products	product	NOUN
hassl-4494	280	25	from	from	ADP
hassl-4494	280	26	time	time	NOUN
hassl-4494	280	27	to	to	ADP
hassl-4494	280	28	time	time	NOUN
hassl-4494	280	29	,	,	PUNCT
hassl-4494	280	30	"	"	PUNCT
hassl-4494	280	31	indicates	indicate	VERB
hassl-4494	280	32	a	a	DET
hassl-4494	280	33	positive	positive	ADJ
hassl-4494	280	34	development	development	NOUN
hassl-4494	280	35	in	in	ADP
hassl-4494	280	36	product	product	NOUN
hassl-4494	280	37	demand	demand	NOUN
hassl-4494	280	38	,	,	PUNCT
hassl-4494	280	39	which	which	PRON
hassl-4494	280	40	is	be	AUX
hassl-4494	280	41	the	the	DET
hassl-4494	280	42	main	main	ADJ
hassl-4494	280	43	indicator	indicator	NOUN
hassl-4494	280	44	of	of	ADP
hassl-4494	280	45	business	business	NOUN
hassl-4494	280	46	growth	growth	NOUN
hassl-4494	280	47	.	.	PUNCT
hassl-4494	281	1	however	however	ADV
hassl-4494	281	2	,	,	PUNCT
hassl-4494	281	3	the	the	DET
hassl-4494	281	4	lowest	low	ADJ
hassl-4494	281	5	score	score	NOUN
hassl-4494	281	6	on	on	ADP
hassl-4494	281	7	item	item	PROPN
hassl-4494	281	8	end5	end5	PROPN
hassl-4494	281	9	,	,	PUNCT
hassl-4494	281	10	which	which	PRON
hassl-4494	281	11	states	state	VERB
hassl-4494	281	12	"	"	PUNCT
hassl-4494	281	13	my	my	PRON
hassl-4494	281	14	business	business	NOUN
hassl-4494	281	15	has	have	VERB
hassl-4494	281	16	increasingly	increasingly	ADV
hassl-4494	281	17	attractive	attractive	ADJ
hassl-4494	281	18	product	product	NOUN
hassl-4494	281	19	variations	variation	NOUN
hassl-4494	281	20	,	,	PUNCT
hassl-4494	281	21	appearance	appearance	NOUN
hassl-4494	281	22	,	,	PUNCT
hassl-4494	281	23	and	and	CCONJ
hassl-4494	281	24	packaging	packaging	NOUN
hassl-4494	281	25	,	,	PUNCT
hassl-4494	281	26	"	"	PUNCT
hassl-4494	281	27	shows	show	VERB
hassl-4494	281	28	that	that	SCONJ
hassl-4494	281	29	product	product	NOUN
hassl-4494	281	30	variety	variety	NOUN
hassl-4494	281	31	and	and	CCONJ
hassl-4494	281	32	innovation	innovation	NOUN
hassl-4494	281	33	in	in	ADP
hassl-4494	281	34	appearance	appearance	NOUN
hassl-4494	281	35	and	and	CCONJ
hassl-4494	281	36	packaging	packaging	NOUN
hassl-4494	281	37	are	be	AUX
hassl-4494	281	38	still	still	ADV
hassl-4494	281	39	given	give	VERB
hassl-4494	281	40	less	less	ADJ
hassl-4494	281	41	attention	attention	NOUN
hassl-4494	281	42	.	.	PUNCT
hassl-4494	282	1	it	it	PRON
hassl-4494	282	2	indicates	indicate	VERB
hassl-4494	282	3	that	that	SCONJ
hassl-4494	282	4	increasing	increase	VERB
hassl-4494	282	5	market	market	NOUN
hassl-4494	282	6	demand	demand	NOUN
hassl-4494	282	7	needs	need	VERB
hassl-4494	282	8	to	to	PART
hassl-4494	282	9	be	be	AUX
hassl-4494	282	10	followed	follow	VERB
hassl-4494	282	11	by	by	ADP
hassl-4494	282	12	product	product	NOUN
hassl-4494	282	13	and	and	CCONJ
hassl-4494	282	14	packaging	packaging	NOUN
hassl-4494	282	15	innovation	innovation	NOUN
hassl-4494	282	16	as	as	ADP
hassl-4494	282	17	a	a	DET
hassl-4494	282	18	variation	variation	NOUN
hassl-4494	282	19	of	of	ADP
hassl-4494	282	20	sme	sme	NOUN
hassl-4494	282	21	products	product	NOUN
hassl-4494	282	22	to	to	PART
hassl-4494	282	23	drive	drive	VERB
hassl-4494	282	24	long	long	ADJ
hassl-4494	282	25	-	-	PUNCT
hassl-4494	282	26	term	term	NOUN
hassl-4494	282	27	consumer	consumer	NOUN
hassl-4494	282	28	attention	attention	NOUN
hassl-4494	282	29	.	.	PUNCT
hassl-4494	283	1	the	the	DET
hassl-4494	283	2	next	next	ADJ
hassl-4494	283	3	finding	finding	NOUN
hassl-4494	283	4	indicated	indicate	VERB
hassl-4494	283	5	acceptance	acceptance	NOUN
hassl-4494	283	6	of	of	ADP
hassl-4494	283	7	the	the	DET
hassl-4494	283	8	fourth	fourth	ADJ
hassl-4494	283	9	hypothesis	hypothesis	NOUN
hassl-4494	283	10	.	.	PUNCT
hassl-4494	284	1	the	the	DET
hassl-4494	284	2	development	development	NOUN
hassl-4494	284	3	of	of	ADP
hassl-4494	284	4	msmes	msme	NOUN
hassl-4494	284	5	can	can	AUX
hassl-4494	284	6	be	be	AUX
hassl-4494	284	7	explained	explain	VERB
hassl-4494	284	8	by	by	ADP
hassl-4494	284	9	the	the	DET
hassl-4494	284	10	use	use	NOUN
hassl-4494	284	11	of	of	ADP
hassl-4494	284	12	credit	credit	NOUN
hassl-4494	284	13	facilities	facility	NOUN
hassl-4494	284	14	,	,	PUNCT
hassl-4494	284	15	including	include	VERB
hassl-4494	284	16	operational	operational	ADJ
hassl-4494	284	17	capacity	capacity	NOUN
hassl-4494	284	18	and	and	CCONJ
hassl-4494	284	19	increased	increase	VERB
hassl-4494	284	20	innovation	innovation	NOUN
hassl-4494	284	21	.	.	PUNCT
hassl-4494	285	1	previous	previous	ADJ
hassl-4494	285	2	studies	study	NOUN
hassl-4494	285	3	by	by	ADP
hassl-4494	285	4	beck	beck	PROPN
hassl-4494	285	5	,	,	PUNCT
hassl-4494	285	6	demirgüç‐kunt	demirgüç‐kunt	PROPN
hassl-4494	285	7	,	,	PUNCT
hassl-4494	285	8	and	and	CCONJ
hassl-4494	285	9	maksimovic	maksimovic	PROPN
hassl-4494	285	10	(	(	PUNCT
hassl-4494	285	11	2005	2005	NUM
hassl-4494	285	12	)	)	PUNCT
hassl-4494	285	13	indicated	indicate	VERB
hassl-4494	285	14	that	that	SCONJ
hassl-4494	285	15	access	access	NOUN
hassl-4494	285	16	to	to	ADP
hassl-4494	285	17	credit	credit	NOUN
hassl-4494	285	18	can	can	AUX
hassl-4494	285	19	promote	promote	VERB
hassl-4494	285	20	msmes	msme	NOUN
hassl-4494	285	21	'	'	PART
hassl-4494	285	22	performance	performance	NOUN
hassl-4494	285	23	as	as	SCONJ
hassl-4494	285	24	it	it	PRON
hassl-4494	285	25	provides	provide	VERB
hassl-4494	285	26	a	a	DET
hassl-4494	285	27	venue	venue	NOUN
hassl-4494	285	28	to	to	PART
hassl-4494	285	29	invest	invest	VERB
hassl-4494	285	30	in	in	ADP
hassl-4494	285	31	new	new	ADJ
hassl-4494	285	32	technologies	technology	NOUN
hassl-4494	285	33	and	and	CCONJ
hassl-4494	285	34	improve	improve	VERB
hassl-4494	285	35	operational	operational	ADJ
hassl-4494	285	36	capacity	capacity	NOUN
hassl-4494	285	37	.	.	PUNCT
hassl-4494	286	1	similarly	similarly	ADV
hassl-4494	286	2	,	,	PUNCT
hassl-4494	286	3	banerjee	banerjee	PROPN
hassl-4494	286	4	and	and	CCONJ
hassl-4494	286	5	duflo	duflo	PROPN
hassl-4494	286	6	(	(	PUNCT
hassl-4494	286	7	2014	2014	NUM
hassl-4494	286	8	)	)	PUNCT
hassl-4494	286	9	remarked	remark	VERB
hassl-4494	286	10	that	that	SCONJ
hassl-4494	286	11	msmes	msme	NOUN
hassl-4494	286	12	can	can	AUX
hassl-4494	286	13	obtain	obtain	VERB
hassl-4494	286	14	some	some	DET
hassl-4494	286	15	benefits	benefit	NOUN
hassl-4494	286	16	from	from	ADP
hassl-4494	286	17	the	the	DET
hassl-4494	286	18	provision	provision	NOUN
hassl-4494	286	19	of	of	ADP
hassl-4494	286	20	microcredit	microcredit	NOUN
hassl-4494	286	21	to	to	PART
hassl-4494	286	22	deal	deal	VERB
hassl-4494	286	23	with	with	ADP
hassl-4494	286	24	financial	financial	ADJ
hassl-4494	286	25	challenges	challenge	NOUN
hassl-4494	286	26	and	and	CCONJ
hassl-4494	286	27	business	business	NOUN
hassl-4494	286	28	development	development	NOUN
hassl-4494	286	29	.	.	PUNCT
hassl-4494	287	1	the	the	DET
hassl-4494	287	2	ability	ability	NOUN
hassl-4494	287	3	of	of	ADP
hassl-4494	287	4	msmes	msme	NOUN
hassl-4494	287	5	to	to	PART
hassl-4494	287	6	manage	manage	VERB
hassl-4494	287	7	liquidity	liquidity	NOUN
hassl-4494	287	8	and	and	CCONJ
hassl-4494	287	9	expand	expand	VERB
hassl-4494	287	10	their	their	PRON
hassl-4494	287	11	business	business	NOUN
hassl-4494	287	12	scale	scale	NOUN
hassl-4494	287	13	increases	increase	NOUN
hassl-4494	287	14	as	as	ADP
hassl-4494	287	15	a	a	DET
hassl-4494	287	16	result	result	NOUN
hassl-4494	287	17	of	of	ADP
hassl-4494	287	18	access	access	NOUN
hassl-4494	287	19	to	to	ADP
hassl-4494	287	20	credit	credit	NOUN
hassl-4494	287	21	.	.	PUNCT
hassl-4494	288	1	modigliani	modigliani	PROPN
hassl-4494	288	2	and	and	CCONJ
hassl-4494	288	3	miller	miller	PROPN
hassl-4494	288	4	(	(	PUNCT
hassl-4494	288	5	1958	1958	NUM
hassl-4494	288	6	)	)	PUNCT
hassl-4494	288	7	mentioned	mention	VERB
hassl-4494	288	8	that	that	SCONJ
hassl-4494	288	9	capital	capital	NOUN
hassl-4494	288	10	structure	structure	NOUN
hassl-4494	288	11	theory	theory	NOUN
hassl-4494	288	12	is	be	AUX
hassl-4494	288	13	also	also	ADV
hassl-4494	288	14	relevant	relevant	ADJ
hassl-4494	288	15	in	in	ADP
hassl-4494	288	16	this	this	DET
hassl-4494	288	17	context	context	NOUN
hassl-4494	288	18	because	because	SCONJ
hassl-4494	288	19	this	this	DET
hassl-4494	288	20	theory	theory	NOUN
hassl-4494	288	21	states	state	VERB
hassl-4494	288	22	that	that	SCONJ
hassl-4494	288	23	investment	investment	NOUN
hassl-4494	288	24	decisions	decision	NOUN
hassl-4494	288	25	and	and	CCONJ
hassl-4494	288	26	company	company	NOUN
hassl-4494	288	27	growth	growth	NOUN
hassl-4494	288	28	can	can	AUX
hassl-4494	288	29	be	be	AUX
hassl-4494	288	30	influenced	influence	VERB
hassl-4494	288	31	by	by	ADP
hassl-4494	288	32	access	access	NOUN
hassl-4494	288	33	to	to	ADP
hassl-4494	288	34	financial	financial	ADJ
hassl-4494	288	35	resources	resource	NOUN
hassl-4494	288	36	.	.	PUNCT
hassl-4494	289	1	in	in	ADP
hassl-4494	289	2	addition	addition	NOUN
hassl-4494	289	3	,	,	PUNCT
hassl-4494	289	4	having	have	VERB
hassl-4494	289	5	access	access	NOUN
hassl-4494	289	6	to	to	ADP
hassl-4494	289	7	credit	credit	NOUN
hassl-4494	289	8	enables	enable	VERB
hassl-4494	289	9	msmes	msme	NOUN
hassl-4494	289	10	to	to	PART
hassl-4494	289	11	develop	develop	VERB
hassl-4494	289	12	and	and	CCONJ
hassl-4494	289	13	diversify	diversify	VERB
hassl-4494	289	14	their	their	PRON
hassl-4494	289	15	products	product	NOUN
hassl-4494	289	16	.	.	PUNCT
hassl-4494	290	1	this	this	PRON
hassl-4494	290	2	aligns	align	VERB
hassl-4494	290	3	with	with	ADP
hassl-4494	290	4	the	the	DET
hassl-4494	290	5	chandler	chandler	NOUN
hassl-4494	290	6	(	(	PUNCT
hassl-4494	290	7	1962	1962	NUM
hassl-4494	290	8	)	)	PUNCT
hassl-4494	290	9	theory	theory	NOUN
hassl-4494	290	10	of	of	ADP
hassl-4494	290	11	organic	organic	ADJ
hassl-4494	290	12	growth	growth	NOUN
hassl-4494	290	13	,	,	PUNCT
hassl-4494	290	14	which	which	PRON
hassl-4494	290	15	states	state	VERB
hassl-4494	290	16	that	that	SCONJ
hassl-4494	290	17	adequate	adequate	ADJ
hassl-4494	290	18	capital	capital	NOUN
hassl-4494	290	19	is	be	AUX
hassl-4494	290	20	essential	essential	ADJ
hassl-4494	290	21	for	for	ADP
hassl-4494	290	22	the	the	DET
hassl-4494	290	23	growth	growth	NOUN
hassl-4494	290	24	and	and	CCONJ
hassl-4494	290	25	development	development	NOUN
hassl-4494	290	26	of	of	ADP
hassl-4494	290	27	a	a	DET
hassl-4494	290	28	business	business	NOUN
hassl-4494	290	29	.	.	PUNCT
hassl-4494	291	1	microcredit	microcredit	NOUN
hassl-4494	291	2	expands	expand	VERB
hassl-4494	291	3	the	the	DET
hassl-4494	291	4	market	market	NOUN
hassl-4494	291	5	for	for	ADP
hassl-4494	291	6	msmes	msme	NOUN
hassl-4494	291	7	and	and	CCONJ
hassl-4494	291	8	helps	help	VERB
hassl-4494	291	9	them	they	PRON
hassl-4494	291	10	compete	compete	VERB
hassl-4494	291	11	in	in	ADP
hassl-4494	291	12	larger	large	ADJ
hassl-4494	291	13	markets	market	NOUN
hassl-4494	291	14	.	.	PUNCT
hassl-4494	292	1	later	later	ADV
hassl-4494	292	2	,	,	PUNCT
hassl-4494	292	3	singh	singh	PROPN
hassl-4494	292	4	and	and	CCONJ
hassl-4494	292	5	saini	saini	PROPN
hassl-4494	292	6	(	(	PUNCT
hassl-4494	292	7	2018	2018	NUM
hassl-4494	292	8	)	)	PUNCT
hassl-4494	292	9	noted	note	VERB
hassl-4494	292	10	that	that	SCONJ
hassl-4494	292	11	well	well	ADV
hassl-4494	292	12	-	-	PUNCT
hassl-4494	292	13	managed	manage	VERB
hassl-4494	292	14	credit	credit	NOUN
hassl-4494	292	15	can	can	AUX
hassl-4494	292	16	stimulate	stimulate	VERB
hassl-4494	292	17	innovation	innovation	NOUN
hassl-4494	292	18	and	and	CCONJ
hassl-4494	292	19	improve	improve	VERB
hassl-4494	292	20	the	the	DET
hassl-4494	292	21	financial	financial	ADJ
hassl-4494	292	22	performance	performance	NOUN
hassl-4494	292	23	of	of	ADP
hassl-4494	292	24	msmes	msme	NOUN
hassl-4494	292	25	.	.	PUNCT
hassl-4494	293	1	indifferently	indifferently	ADV
hassl-4494	293	2	,	,	PUNCT
hassl-4494	293	3	jensen	jensen	PROPN
hassl-4494	293	4	and	and	CCONJ
hassl-4494	293	5	meckling	meckling	NOUN
hassl-4494	293	6	(	(	PUNCT
hassl-4494	293	7	1976	1976	NUM
hassl-4494	293	8	)	)	PUNCT
hassl-4494	293	9	investment	investment	NOUN
hassl-4494	293	10	decision	decision	NOUN
hassl-4494	293	11	theory	theory	NOUN
hassl-4494	293	12	is	be	AUX
hassl-4494	293	13	relevant	relevant	ADJ
hassl-4494	293	14	in	in	ADP
hassl-4494	293	15	this	this	DET
hassl-4494	293	16	case	case	NOUN
hassl-4494	293	17	because	because	SCONJ
hassl-4494	293	18	it	it	PRON
hassl-4494	293	19	explains	explain	VERB
hassl-4494	293	20	how	how	SCONJ
hassl-4494	293	21	investment	investment	NOUN
hassl-4494	293	22	decisions	decision	NOUN
hassl-4494	293	23	and	and	CCONJ
hassl-4494	293	24	resource	resource	NOUN
hassl-4494	293	25	allocation	allocation	NOUN
hassl-4494	293	26	are	be	AUX
hassl-4494	293	27	influenced	influence	VERB
hassl-4494	293	28	by	by	ADP
hassl-4494	293	29	access	access	NOUN
hassl-4494	293	30	to	to	ADP
hassl-4494	293	31	capital	capital	NOUN
hassl-4494	293	32	.	.	PUNCT
hassl-4494	294	1	digital	digital	ADJ
hassl-4494	294	2	literacy	literacy	NOUN
hassl-4494	294	3	skills	skill	NOUN
hassl-4494	294	4	are	be	AUX
hassl-4494	294	5	often	often	ADV
hassl-4494	294	6	linked	link	VERB
hassl-4494	294	7	to	to	ADP
hassl-4494	294	8	how	how	SCONJ
hassl-4494	294	9	people	people	NOUN
hassl-4494	294	10	use	use	VERB
hassl-4494	294	11	credit	credit	NOUN
hassl-4494	294	12	facilities	facility	NOUN
hassl-4494	294	13	.	.	PUNCT
hassl-4494	295	1	digital	digital	ADJ
hassl-4494	295	2	literacy	literacy	NOUN
hassl-4494	295	3	plays	play	VERB
hassl-4494	295	4	a	a	DET
hassl-4494	295	5	key	key	ADJ
hassl-4494	295	6	role	role	NOUN
hassl-4494	295	7	in	in	ADP
hassl-4494	295	8	credit	credit	NOUN
hassl-4494	295	9	utilization	utilization	NOUN
hassl-4494	295	10	in	in	ADP
hassl-4494	295	11	the	the	DET
hassl-4494	295	12	context	context	NOUN
hassl-4494	295	13	of	of	ADP
hassl-4494	295	14	an	an	DET
hassl-4494	295	15	individual	individual	NOUN
hassl-4494	295	16	’s	’s	PART
hassl-4494	295	17	or	or	CCONJ
hassl-4494	295	18	business	business	NOUN
hassl-4494	295	19	’s	’s	PART
hassl-4494	295	20	ability	ability	NOUN
hassl-4494	295	21	to	to	PART
hassl-4494	295	22	access	access	VERB
hassl-4494	295	23	and	and	CCONJ
hassl-4494	295	24	interpret	interpret	VERB
hassl-4494	295	25	financial	financial	ADJ
hassl-4494	295	26	information	information	NOUN
hassl-4494	295	27	.	.	PUNCT
hassl-4494	296	1	a	a	DET
hassl-4494	296	2	prior	prior	ADJ
hassl-4494	296	3	study	study	NOUN
hassl-4494	296	4	by	by	ADP
hassl-4494	296	5	lusardi	lusardi	PROPN
hassl-4494	296	6	and	and	CCONJ
hassl-4494	296	7	mitchell	mitchell	PROPN
hassl-4494	296	8	(	(	PUNCT
hassl-4494	296	9	2014	2014	NUM
hassl-4494	296	10	)	)	PUNCT
hassl-4494	296	11	stated	state	VERB
hassl-4494	296	12	that	that	SCONJ
hassl-4494	296	13	knowledge	knowledge	NOUN
hassl-4494	296	14	and	and	CCONJ
hassl-4494	296	15	skills	skill	NOUN
hassl-4494	296	16	in	in	ADP
hassl-4494	296	17	managing	manage	VERB
hassl-4494	296	18	financial	financial	ADJ
hassl-4494	296	19	information	information	NOUN
hassl-4494	296	20	are	be	AUX
hassl-4494	296	21	vital	vital	ADJ
hassl-4494	296	22	in	in	ADP
hassl-4494	296	23	the	the	DET
hassl-4494	296	24	credit	credit	NOUN
hassl-4494	296	25	-	-	PUNCT
hassl-4494	296	26	related	relate	VERB
hassl-4494	296	27	decision	decision	NOUN
hassl-4494	296	28	-	-	PUNCT
hassl-4494	296	29	making	make	VERB
hassl-4494	296	30	process	process	NOUN
hassl-4494	296	31	.	.	PUNCT
hassl-4494	297	1	in	in	ADP
hassl-4494	297	2	this	this	DET
hassl-4494	297	3	regard	regard	NOUN
hassl-4494	297	4	,	,	PUNCT
hassl-4494	297	5	adequate	adequate	ADJ
hassl-4494	297	6	digital	digital	ADJ
hassl-4494	297	7	capabilities	capability	NOUN
hassl-4494	297	8	will	will	AUX
hassl-4494	297	9	help	help	VERB
hassl-4494	297	10	people	people	NOUN
hassl-4494	297	11	to	to	PART
hassl-4494	297	12	assess	assess	VERB
hassl-4494	297	13	and	and	CCONJ
hassl-4494	297	14	compare	compare	VERB
hassl-4494	297	15	various	various	ADJ
hassl-4494	297	16	credit	credit	NOUN
hassl-4494	297	17	offers	offer	VERB
hassl-4494	297	18	online	online	ADV
hassl-4494	297	19	as	as	ADV
hassl-4494	297	20	well	well	ADV
hassl-4494	297	21	as	as	ADP
hassl-4494	297	22	to	to	PART
hassl-4494	297	23	make	make	VERB
hassl-4494	297	24	sound	sound	ADJ
hassl-4494	297	25	economic	economic	ADJ
hassl-4494	297	26	decisions	decision	NOUN
hassl-4494	297	27	.	.	PUNCT
hassl-4494	298	1	decision	decision	NOUN
hassl-4494	298	2	-	-	PUNCT
hassl-4494	298	3	making	make	VERB
hassl-4494	298	4	theory	theory	NOUN
hassl-4494	298	5	in	in	ADP
hassl-4494	298	6	information	information	NOUN
hassl-4494	298	7	technology	technology	NOUN
hassl-4494	298	8	(	(	PUNCT
hassl-4494	298	9	it	it	PRON
hassl-4494	298	10	decision	decision	NOUN
hassl-4494	298	11	-	-	PUNCT
hassl-4494	298	12	making	make	VERB
hassl-4494	298	13	theory	theory	NOUN
hassl-4494	298	14	)	)	PUNCT
hassl-4494	298	15	also	also	ADV
hassl-4494	298	16	supports	support	VERB
hassl-4494	298	17	this	this	PRON
hassl-4494	298	18	and	and	CCONJ
hassl-4494	298	19	indicates	indicate	VERB
hassl-4494	298	20	how	how	SCONJ
hassl-4494	298	21	access	access	NOUN
hassl-4494	298	22	to	to	ADP
hassl-4494	298	23	and	and	CCONJ
hassl-4494	298	24	understanding	understanding	NOUN
hassl-4494	298	25	of	of	ADP
hassl-4494	298	26	technological	technological	ADJ
hassl-4494	298	27	information	information	NOUN
hassl-4494	298	28	can	can	AUX
hassl-4494	298	29	influence	influence	VERB
hassl-4494	298	30	financial	financial	ADJ
hassl-4494	298	31	decisions	decision	NOUN
hassl-4494	298	32	.	.	PUNCT
hassl-4494	299	1	humanities	humanity	NOUN
hassl-4494	299	2	and	and	CCONJ
hassl-4494	299	3	social	social	ADJ
hassl-4494	299	4	sciences	science	NOUN
hassl-4494	299	5	letters	letter	NOUN
hassl-4494	299	6	,	,	PUNCT
hassl-4494	299	7	2025	2025	NUM
hassl-4494	299	8	,	,	PUNCT
hassl-4494	299	9	13(4	13(4	NUM
hassl-4494	299	10	):	):	PUNCT
hassl-4494	299	11	1287	1287	NUM
hassl-4494	299	12	-	-	SYM
hassl-4494	299	13	1303	1303	NUM
hassl-4494	299	14	1298	1298	NUM
hassl-4494	299	15	©	©	PROPN
hassl-4494	299	16	2025	2025	NUM
hassl-4494	299	17	conscientia	conscientia	PROPN
hassl-4494	299	18	beam	beam	PROPN
hassl-4494	299	19	.	.	PUNCT
hassl-4494	300	1	all	all	DET
hassl-4494	300	2	rights	right	NOUN
hassl-4494	300	3	reserved	reserve	VERB
hassl-4494	300	4	.	.	PUNCT
hassl-4494	301	1	digital	digital	ADJ
hassl-4494	301	2	literacy	literacy	NOUN
hassl-4494	301	3	has	have	VERB
hassl-4494	301	4	a	a	DET
hassl-4494	301	5	significant	significant	ADJ
hassl-4494	301	6	influence	influence	NOUN
hassl-4494	301	7	on	on	ADP
hassl-4494	301	8	the	the	DET
hassl-4494	301	9	growth	growth	NOUN
hassl-4494	301	10	of	of	ADP
hassl-4494	301	11	msmes	msme	NOUN
hassl-4494	301	12	.	.	PUNCT
hassl-4494	302	1	the	the	DET
hassl-4494	302	2	importance	importance	NOUN
hassl-4494	302	3	of	of	ADP
hassl-4494	302	4	digital	digital	ADJ
hassl-4494	302	5	literacy	literacy	NOUN
hassl-4494	302	6	in	in	ADP
hassl-4494	302	7	the	the	DET
hassl-4494	302	8	development	development	NOUN
hassl-4494	302	9	of	of	ADP
hassl-4494	302	10	micro	micro	PROPN
hassl-4494	302	11	,	,	PUNCT
hassl-4494	302	12	small	small	ADJ
hassl-4494	302	13	,	,	PUNCT
hassl-4494	302	14	and	and	CCONJ
hassl-4494	302	15	medium	medium	ADJ
hassl-4494	302	16	enterprises	enterprise	NOUN
hassl-4494	302	17	(	(	PUNCT
hassl-4494	302	18	msmes	msme	NOUN
hassl-4494	302	19	)	)	PUNCT
hassl-4494	302	20	can	can	AUX
hassl-4494	302	21	not	not	PART
hassl-4494	302	22	be	be	AUX
hassl-4494	302	23	underestimated	underestimate	VERB
hassl-4494	302	24	,	,	PUNCT
hassl-4494	302	25	because	because	SCONJ
hassl-4494	302	26	their	their	PRON
hassl-4494	302	27	ability	ability	NOUN
hassl-4494	302	28	to	to	PART
hassl-4494	302	29	access	access	VERB
hassl-4494	302	30	and	and	CCONJ
hassl-4494	302	31	utilize	utilize	VERB
hassl-4494	302	32	digital	digital	ADJ
hassl-4494	302	33	technology	technology	NOUN
hassl-4494	302	34	can	can	AUX
hassl-4494	302	35	expand	expand	VERB
hassl-4494	302	36	markets	market	NOUN
hassl-4494	302	37	and	and	CCONJ
hassl-4494	302	38	increase	increase	VERB
hassl-4494	302	39	operational	operational	ADJ
hassl-4494	302	40	efficiency	efficiency	NOUN
hassl-4494	302	41	.	.	PUNCT
hassl-4494	303	1	msmes	msme	NOUN
hassl-4494	303	2	with	with	ADP
hassl-4494	303	3	high	high	ADJ
hassl-4494	303	4	digital	digital	ADJ
hassl-4494	303	5	literacy	literacy	NOUN
hassl-4494	303	6	tend	tend	VERB
hassl-4494	303	7	to	to	PART
hassl-4494	303	8	be	be	AUX
hassl-4494	303	9	more	more	ADV
hassl-4494	303	10	prepared	prepared	ADJ
hassl-4494	303	11	to	to	PART
hassl-4494	303	12	adopt	adopt	VERB
hassl-4494	303	13	new	new	ADJ
hassl-4494	303	14	technologies	technology	NOUN
hassl-4494	303	15	that	that	PRON
hassl-4494	303	16	can	can	AUX
hassl-4494	303	17	enhance	enhance	VERB
hassl-4494	303	18	their	their	PRON
hassl-4494	303	19	productivity	productivity	NOUN
hassl-4494	303	20	and	and	CCONJ
hassl-4494	303	21	efficiency	efficiency	NOUN
hassl-4494	303	22	.	.	PUNCT
hassl-4494	304	1	additionally	additionally	ADV
hassl-4494	304	2	,	,	PUNCT
hassl-4494	304	3	digital	digital	ADJ
hassl-4494	304	4	skills	skill	NOUN
hassl-4494	304	5	enable	enable	VERB
hassl-4494	304	6	msmes	msme	NOUN
hassl-4494	304	7	to	to	PART
hassl-4494	304	8	utilize	utilize	VERB
hassl-4494	304	9	e	e	NOUN
hassl-4494	304	10	-	-	NOUN
hassl-4494	304	11	commerce	commerce	NOUN
hassl-4494	304	12	platforms	platform	NOUN
hassl-4494	304	13	,	,	PUNCT
hassl-4494	304	14	which	which	PRON
hassl-4494	304	15	not	not	PART
hassl-4494	304	16	only	only	ADV
hassl-4494	304	17	help	help	AUX
hassl-4494	304	18	expand	expand	VERB
hassl-4494	304	19	market	market	NOUN
hassl-4494	304	20	reach	reach	NOUN
hassl-4494	304	21	but	but	CCONJ
hassl-4494	304	22	also	also	ADV
hassl-4494	304	23	increase	increase	VERB
hassl-4494	304	24	sales	sale	NOUN
hassl-4494	304	25	and	and	CCONJ
hassl-4494	304	26	profitability	profitability	NOUN
hassl-4494	304	27	.	.	PUNCT
hassl-4494	305	1	this	this	PRON
hassl-4494	305	2	is	be	AUX
hassl-4494	305	3	in	in	ADP
hassl-4494	305	4	line	line	NOUN
hassl-4494	305	5	with	with	ADP
hassl-4494	305	6	the	the	DET
hassl-4494	305	7	diffusion	diffusion	NOUN
hassl-4494	305	8	technology	technology	NOUN
hassl-4494	305	9	adoption	adoption	NOUN
hassl-4494	305	10	theory	theory	NOUN
hassl-4494	305	11	put	put	VERB
hassl-4494	305	12	forward	forward	ADV
hassl-4494	305	13	by	by	ADP
hassl-4494	305	14	rogers	rogers	PROPN
hassl-4494	305	15	(	(	PUNCT
hassl-4494	305	16	2003	2003	NUM
hassl-4494	305	17	)	)	PUNCT
hassl-4494	305	18	,	,	PUNCT
hassl-4494	305	19	which	which	PRON
hassl-4494	305	20	states	state	VERB
hassl-4494	305	21	that	that	SCONJ
hassl-4494	305	22	the	the	DET
hassl-4494	305	23	use	use	NOUN
hassl-4494	305	24	of	of	ADP
hassl-4494	305	25	new	new	ADJ
hassl-4494	305	26	technology	technology	NOUN
hassl-4494	305	27	has	have	VERB
hassl-4494	305	28	a	a	DET
hassl-4494	305	29	significant	significant	ADJ
hassl-4494	305	30	impact	impact	NOUN
hassl-4494	305	31	on	on	ADP
hassl-4494	305	32	business	business	NOUN
hassl-4494	305	33	performance	performance	NOUN
hassl-4494	305	34	and	and	CCONJ
hassl-4494	305	35	growth	growth	NOUN
hassl-4494	305	36	(	(	PUNCT
hassl-4494	305	37	atkin	atkin	PROPN
hassl-4494	305	38	,	,	PUNCT
hassl-4494	305	39	hunt	hunt	PROPN
hassl-4494	305	40	,	,	PUNCT
hassl-4494	305	41	&	&	CCONJ
hassl-4494	305	42	lin	lin	PROPN
hassl-4494	305	43	,	,	PUNCT
hassl-4494	305	44	2018	2018	NUM
hassl-4494	305	45	)	)	PUNCT
hassl-4494	305	46	.	.	PUNCT
hassl-4494	306	1	digital	digital	ADJ
hassl-4494	306	2	literacy	literacy	NOUN
hassl-4494	306	3	also	also	ADV
hassl-4494	306	4	plays	play	VERB
hassl-4494	306	5	a	a	DET
hassl-4494	306	6	significant	significant	ADJ
hassl-4494	306	7	role	role	NOUN
hassl-4494	306	8	in	in	ADP
hassl-4494	306	9	the	the	DET
hassl-4494	306	10	development	development	NOUN
hassl-4494	306	11	of	of	ADP
hassl-4494	306	12	msmes	msme	NOUN
hassl-4494	306	13	,	,	PUNCT
hassl-4494	306	14	primarily	primarily	ADV
hassl-4494	306	15	by	by	ADP
hassl-4494	306	16	enhancing	enhance	VERB
hassl-4494	306	17	their	their	PRON
hassl-4494	306	18	ability	ability	NOUN
hassl-4494	306	19	to	to	PART
hassl-4494	306	20	analyze	analyze	VERB
hassl-4494	306	21	and	and	CCONJ
hassl-4494	306	22	utilize	utilize	VERB
hassl-4494	306	23	business	business	NOUN
hassl-4494	306	24	information	information	NOUN
hassl-4494	306	25	.	.	PUNCT
hassl-4494	307	1	with	with	ADP
hassl-4494	307	2	this	this	DET
hassl-4494	307	3	digital	digital	ADJ
hassl-4494	307	4	capability	capability	NOUN
hassl-4494	307	5	,	,	PUNCT
hassl-4494	307	6	msmes	msme	NOUN
hassl-4494	307	7	can	can	AUX
hassl-4494	307	8	better	well	ADV
hassl-4494	307	9	analyze	analyze	VERB
hassl-4494	307	10	the	the	DET
hassl-4494	307	11	market	market	NOUN
hassl-4494	307	12	and	and	CCONJ
hassl-4494	307	13	adapt	adapt	VERB
hassl-4494	307	14	to	to	ADP
hassl-4494	307	15	changes	change	NOUN
hassl-4494	307	16	.	.	PUNCT
hassl-4494	308	1	according	accord	VERB
hassl-4494	308	2	to	to	ADP
hassl-4494	308	3	the	the	DET
hassl-4494	308	4	dynamic	dynamic	ADJ
hassl-4494	308	5	capability	capability	NOUN
hassl-4494	308	6	theory	theory	NOUN
hassl-4494	308	7	put	put	VERB
hassl-4494	308	8	forward	forward	ADV
hassl-4494	308	9	by	by	ADP
hassl-4494	308	10	teece	teece	PROPN
hassl-4494	308	11	(	(	PUNCT
hassl-4494	308	12	2007	2007	NUM
hassl-4494	308	13	)	)	PUNCT
hassl-4494	308	14	,	,	PUNCT
hassl-4494	308	15	organizations	organization	NOUN
hassl-4494	308	16	that	that	PRON
hassl-4494	308	17	can	can	AUX
hassl-4494	308	18	handle	handle	VERB
hassl-4494	308	19	information	information	NOUN
hassl-4494	308	20	effectively	effectively	ADV
hassl-4494	308	21	can	can	AUX
hassl-4494	308	22	adapt	adapt	VERB
hassl-4494	308	23	to	to	ADP
hassl-4494	308	24	changes	change	NOUN
hassl-4494	308	25	in	in	ADP
hassl-4494	308	26	their	their	PRON
hassl-4494	308	27	surrounding	surround	VERB
hassl-4494	308	28	environment	environment	NOUN
hassl-4494	308	29	.	.	PUNCT
hassl-4494	309	1	furthermore	furthermore	ADV
hassl-4494	309	2	,	,	PUNCT
hassl-4494	309	3	digital	digital	ADJ
hassl-4494	309	4	literacy	literacy	NOUN
hassl-4494	309	5	will	will	AUX
hassl-4494	309	6	help	help	VERB
hassl-4494	309	7	msmes	msme	NOUN
hassl-4494	309	8	access	access	VERB
hassl-4494	309	9	various	various	ADJ
hassl-4494	309	10	resources	resource	NOUN
hassl-4494	309	11	and	and	CCONJ
hassl-4494	309	12	networks	network	NOUN
hassl-4494	309	13	that	that	PRON
hassl-4494	309	14	can	can	AUX
hassl-4494	309	15	further	far	ADV
hassl-4494	309	16	contribute	contribute	VERB
hassl-4494	309	17	to	to	ADP
hassl-4494	309	18	their	their	PRON
hassl-4494	309	19	growth	growth	NOUN
hassl-4494	309	20	.	.	PUNCT
hassl-4494	310	1	the	the	DET
hassl-4494	310	2	social	social	ADJ
hassl-4494	310	3	network	network	NOUN
hassl-4494	310	4	theory	theory	NOUN
hassl-4494	310	5	introduced	introduce	VERB
hassl-4494	310	6	by	by	ADP
hassl-4494	310	7	granovetter	granovetter	NOUN
hassl-4494	310	8	(	(	PUNCT
hassl-4494	310	9	1973	1973	NUM
hassl-4494	310	10	)	)	PUNCT
hassl-4494	310	11	supports	support	VERB
hassl-4494	310	12	this	this	DET
hassl-4494	310	13	finding	finding	NOUN
hassl-4494	310	14	and	and	CCONJ
hassl-4494	310	15	shows	show	VERB
hassl-4494	310	16	how	how	SCONJ
hassl-4494	310	17	networks	network	NOUN
hassl-4494	310	18	and	and	CCONJ
hassl-4494	310	19	relationships	relationship	NOUN
hassl-4494	310	20	are	be	AUX
hassl-4494	310	21	prominent	prominent	ADJ
hassl-4494	310	22	in	in	ADP
hassl-4494	310	23	enhancing	enhance	VERB
hassl-4494	310	24	access	access	NOUN
hassl-4494	310	25	to	to	ADP
hassl-4494	310	26	resources	resource	NOUN
hassl-4494	310	27	and	and	CCONJ
hassl-4494	310	28	opportunities	opportunity	NOUN
hassl-4494	310	29	.	.	PUNCT
hassl-4494	311	1	the	the	DET
hassl-4494	311	2	finding	finding	NOUN
hassl-4494	311	3	also	also	ADV
hassl-4494	311	4	shows	show	VERB
hassl-4494	311	5	that	that	SCONJ
hassl-4494	311	6	credit	credit	NOUN
hassl-4494	311	7	facilities	facility	NOUN
hassl-4494	311	8	can	can	AUX
hassl-4494	311	9	bridge	bridge	VERB
hassl-4494	311	10	the	the	DET
hassl-4494	311	11	linkage	linkage	NOUN
hassl-4494	311	12	between	between	ADP
hassl-4494	311	13	digital	digital	ADJ
hassl-4494	311	14	literacy	literacy	NOUN
hassl-4494	311	15	with	with	ADP
hassl-4494	311	16	the	the	DET
hassl-4494	311	17	progress	progress	NOUN
hassl-4494	311	18	of	of	ADP
hassl-4494	311	19	msmes	msme	NOUN
hassl-4494	311	20	.	.	PUNCT
hassl-4494	312	1	to	to	PART
hassl-4494	312	2	support	support	VERB
hassl-4494	312	3	this	this	PRON
hassl-4494	312	4	,	,	PUNCT
hassl-4494	312	5	gichuki	gichuki	NOUN
hassl-4494	312	6	and	and	CCONJ
hassl-4494	312	7	mungai	mungai	NOUN
hassl-4494	312	8	(	(	PUNCT
hassl-4494	312	9	2019	2019	NUM
hassl-4494	312	10	)	)	PUNCT
hassl-4494	312	11	stated	state	VERB
hassl-4494	312	12	that	that	SCONJ
hassl-4494	312	13	msmes	msme	NOUN
hassl-4494	312	14	with	with	ADP
hassl-4494	312	15	digital	digital	ADJ
hassl-4494	312	16	literacy	literacy	NOUN
hassl-4494	312	17	will	will	AUX
hassl-4494	312	18	wisely	wisely	ADV
hassl-4494	312	19	involve	involve	VERB
hassl-4494	312	20	credit	credit	NOUN
hassl-4494	312	21	facilities	facility	NOUN
hassl-4494	312	22	,	,	PUNCT
hassl-4494	312	23	which	which	PRON
hassl-4494	312	24	can	can	AUX
hassl-4494	312	25	promote	promote	VERB
hassl-4494	312	26	growth	growth	NOUN
hassl-4494	312	27	and	and	CCONJ
hassl-4494	312	28	expansion	expansion	NOUN
hassl-4494	312	29	of	of	ADP
hassl-4494	312	30	businesses	business	NOUN
hassl-4494	312	31	.	.	PUNCT
hassl-4494	313	1	in	in	ADP
hassl-4494	313	2	addition	addition	NOUN
hassl-4494	313	3	,	,	PUNCT
hassl-4494	313	4	ghosh	ghosh	PROPN
hassl-4494	313	5	and	and	CCONJ
hassl-4494	313	6	das	das	PROPN
hassl-4494	313	7	(	(	PUNCT
hassl-4494	313	8	2021	2021	NUM
hassl-4494	313	9	)	)	PUNCT
hassl-4494	313	10	underlined	underline	VERB
hassl-4494	313	11	that	that	SCONJ
hassl-4494	313	12	digital	digital	ADJ
hassl-4494	313	13	skills	skill	NOUN
hassl-4494	313	14	can	can	AUX
hassl-4494	313	15	increase	increase	VERB
hassl-4494	313	16	the	the	DET
hassl-4494	313	17	ease	ease	NOUN
hassl-4494	313	18	of	of	ADP
hassl-4494	313	19	applying	apply	VERB
hassl-4494	313	20	for	for	ADP
hassl-4494	313	21	loans	loan	NOUN
hassl-4494	313	22	online	online	ADV
hassl-4494	313	23	and	and	CCONJ
hassl-4494	313	24	better	well	ADJ
hassl-4494	313	25	manage	manage	VERB
hassl-4494	313	26	credit	credit	NOUN
hassl-4494	313	27	facilities	facility	NOUN
hassl-4494	313	28	.	.	PUNCT
hassl-4494	314	1	the	the	DET
hassl-4494	314	2	technology	technology	NOUN
hassl-4494	314	3	adoption	adoption	NOUN
hassl-4494	314	4	theory	theory	NOUN
hassl-4494	314	5	,	,	PUNCT
hassl-4494	314	6	which	which	PRON
hassl-4494	314	7	was	be	AUX
hassl-4494	314	8	coined	coin	VERB
hassl-4494	314	9	by	by	ADP
hassl-4494	314	10	davis	davis	PROPN
hassl-4494	314	11	(	(	PUNCT
hassl-4494	314	12	1989	1989	NUM
hassl-4494	314	13	)	)	PUNCT
hassl-4494	314	14	,	,	PUNCT
hassl-4494	314	15	can	can	AUX
hassl-4494	314	16	also	also	ADV
hassl-4494	314	17	explain	explain	VERB
hassl-4494	314	18	that	that	SCONJ
hassl-4494	314	19	the	the	DET
hassl-4494	314	20	ease	ease	NOUN
hassl-4494	314	21	of	of	ADP
hassl-4494	314	22	use	use	NOUN
hassl-4494	314	23	and	and	CCONJ
hassl-4494	314	24	advantages	advantage	NOUN
hassl-4494	314	25	of	of	ADP
hassl-4494	314	26	digital	digital	ADJ
hassl-4494	314	27	technology	technology	NOUN
hassl-4494	314	28	influence	influence	VERB
hassl-4494	314	29	the	the	DET
hassl-4494	314	30	decision	decision	NOUN
hassl-4494	314	31	to	to	PART
hassl-4494	314	32	adopt	adopt	VERB
hassl-4494	314	33	credit	credit	NOUN
hassl-4494	314	34	facilities	facility	NOUN
hassl-4494	314	35	,	,	PUNCT
hassl-4494	314	36	which	which	PRON
hassl-4494	314	37	positively	positively	ADV
hassl-4494	314	38	impacts	impact	VERB
hassl-4494	314	39	the	the	DET
hassl-4494	314	40	development	development	NOUN
hassl-4494	314	41	of	of	ADP
hassl-4494	314	42	msmes	msmes	PROPN
hassl-4494	314	43	.	.	PUNCT
hassl-4494	315	1	the	the	DET
hassl-4494	315	2	influence	influence	NOUN
hassl-4494	315	3	of	of	ADP
hassl-4494	315	4	digital	digital	ADJ
hassl-4494	315	5	skills	skill	NOUN
hassl-4494	315	6	on	on	ADP
hassl-4494	315	7	the	the	DET
hassl-4494	315	8	development	development	NOUN
hassl-4494	315	9	of	of	ADP
hassl-4494	315	10	msmes	msme	NOUN
hassl-4494	315	11	is	be	AUX
hassl-4494	315	12	enhanced	enhance	VERB
hassl-4494	315	13	through	through	ADP
hassl-4494	315	14	the	the	DET
hassl-4494	315	15	use	use	NOUN
hassl-4494	315	16	of	of	ADP
hassl-4494	315	17	appropriate	appropriate	ADJ
hassl-4494	315	18	credit	credit	NOUN
hassl-4494	315	19	facilities	facility	NOUN
hassl-4494	315	20	.	.	PUNCT
hassl-4494	316	1	prior	prior	ADJ
hassl-4494	316	2	research	research	NOUN
hassl-4494	316	3	confirms	confirm	VERB
hassl-4494	316	4	that	that	SCONJ
hassl-4494	316	5	credit	credit	NOUN
hassl-4494	316	6	facilities	facility	NOUN
hassl-4494	316	7	combined	combine	VERB
hassl-4494	316	8	with	with	ADP
hassl-4494	316	9	digital	digital	ADJ
hassl-4494	316	10	capabilities	capability	NOUN
hassl-4494	316	11	can	can	AUX
hassl-4494	316	12	contribute	contribute	VERB
hassl-4494	316	13	to	to	ADP
hassl-4494	316	14	improving	improve	VERB
hassl-4494	316	15	performance	performance	NOUN
hassl-4494	316	16	and	and	CCONJ
hassl-4494	316	17	expanding	expand	VERB
hassl-4494	316	18	the	the	DET
hassl-4494	316	19	capacity	capacity	NOUN
hassl-4494	316	20	of	of	ADP
hassl-4494	316	21	msmes	msme	NOUN
hassl-4494	316	22	(	(	PUNCT
hassl-4494	316	23	taneja	taneja	PROPN
hassl-4494	316	24	,	,	PUNCT
hassl-4494	316	25	goyal	goyal	PROPN
hassl-4494	316	26	,	,	PUNCT
hassl-4494	316	27	&	&	CCONJ
hassl-4494	316	28	singh	singh	PROPN
hassl-4494	316	29	,	,	PUNCT
hassl-4494	316	30	2018	2018	NUM
hassl-4494	316	31	)	)	PUNCT
hassl-4494	316	32	.	.	PUNCT
hassl-4494	317	1	the	the	DET
hassl-4494	317	2	dynamic	dynamic	ADJ
hassl-4494	317	3	capability	capability	NOUN
hassl-4494	317	4	theory	theory	NOUN
hassl-4494	317	5	by	by	ADP
hassl-4494	317	6	teece	teece	PROPN
hassl-4494	317	7	(	(	PUNCT
hassl-4494	317	8	2007	2007	NUM
hassl-4494	317	9	)	)	PUNCT
hassl-4494	317	10	is	be	AUX
hassl-4494	317	11	relevant	relevant	ADJ
hassl-4494	317	12	for	for	ADP
hassl-4494	317	13	explaining	explain	VERB
hassl-4494	317	14	the	the	DET
hassl-4494	317	15	use	use	NOUN
hassl-4494	317	16	of	of	ADP
hassl-4494	317	17	digital	digital	ADJ
hassl-4494	317	18	resources	resource	NOUN
hassl-4494	317	19	in	in	ADP
hassl-4494	317	20	adapting	adapt	VERB
hassl-4494	317	21	to	to	ADP
hassl-4494	317	22	changes	change	NOUN
hassl-4494	317	23	.	.	PUNCT
hassl-4494	318	1	additionally	additionally	ADV
hassl-4494	318	2	,	,	PUNCT
hassl-4494	318	3	credit	credit	NOUN
hassl-4494	318	4	facilities	facility	NOUN
hassl-4494	318	5	can	can	AUX
hassl-4494	318	6	serve	serve	VERB
hassl-4494	318	7	as	as	ADP
hassl-4494	318	8	a	a	DET
hassl-4494	318	9	bridge	bridge	NOUN
hassl-4494	318	10	between	between	ADP
hassl-4494	318	11	digital	digital	ADJ
hassl-4494	318	12	skills	skill	NOUN
hassl-4494	318	13	and	and	CCONJ
hassl-4494	318	14	the	the	DET
hassl-4494	318	15	development	development	NOUN
hassl-4494	318	16	of	of	ADP
hassl-4494	318	17	msmes	msmes	PROPN
hassl-4494	318	18	.	.	PUNCT
hassl-4494	319	1	research	research	NOUN
hassl-4494	319	2	by	by	ADP
hassl-4494	319	3	kemi	kemi	PROPN
hassl-4494	319	4	and	and	CCONJ
hassl-4494	319	5	abiola	abiola	PROPN
hassl-4494	319	6	(	(	PUNCT
hassl-4494	319	7	2022	2022	NUM
hassl-4494	319	8	)	)	PUNCT
hassl-4494	319	9	confirmed	confirm	VERB
hassl-4494	319	10	that	that	SCONJ
hassl-4494	319	11	credit	credit	NOUN
hassl-4494	319	12	facility	facility	NOUN
hassl-4494	319	13	utilization	utilization	NOUN
hassl-4494	319	14	can	can	AUX
hassl-4494	319	15	be	be	AUX
hassl-4494	319	16	beneficial	beneficial	ADJ
hassl-4494	319	17	to	to	PART
hassl-4494	319	18	escalate	escalate	VERB
hassl-4494	319	19	the	the	DET
hassl-4494	319	20	application	application	NOUN
hassl-4494	319	21	of	of	ADP
hassl-4494	319	22	digital	digital	ADJ
hassl-4494	319	23	technology	technology	NOUN
hassl-4494	319	24	which	which	PRON
hassl-4494	319	25	drives	drive	VERB
hassl-4494	319	26	the	the	DET
hassl-4494	319	27	growth	growth	NOUN
hassl-4494	319	28	of	of	ADP
hassl-4494	319	29	msmes	msme	NOUN
hassl-4494	319	30	in	in	ADP
hassl-4494	319	31	international	international	ADJ
hassl-4494	319	32	markets	market	NOUN
hassl-4494	319	33	.	.	PUNCT
hassl-4494	320	1	social	social	ADJ
hassl-4494	320	2	network	network	NOUN
hassl-4494	320	3	theory	theory	NOUN
hassl-4494	320	4	by	by	ADP
hassl-4494	320	5	granovetter	granovetter	NOUN
hassl-4494	320	6	(	(	PUNCT
hassl-4494	320	7	1973	1973	NUM
hassl-4494	320	8	)	)	PUNCT
hassl-4494	320	9	can	can	AUX
hassl-4494	320	10	provide	provide	VERB
hassl-4494	320	11	an	an	DET
hassl-4494	320	12	understanding	understanding	NOUN
hassl-4494	320	13	of	of	ADP
hassl-4494	320	14	how	how	SCONJ
hassl-4494	320	15	digital	digital	ADJ
hassl-4494	320	16	skills	skill	NOUN
hassl-4494	320	17	strengthen	strengthen	VERB
hassl-4494	320	18	the	the	DET
hassl-4494	320	19	ability	ability	NOUN
hassl-4494	320	20	of	of	ADP
hassl-4494	320	21	msmes	msme	NOUN
hassl-4494	320	22	to	to	PART
hassl-4494	320	23	establish	establish	VERB
hassl-4494	320	24	relationships	relationship	NOUN
hassl-4494	320	25	with	with	ADP
hassl-4494	320	26	financial	financial	ADJ
hassl-4494	320	27	institutions	institution	NOUN
hassl-4494	320	28	and	and	CCONJ
hassl-4494	320	29	business	business	NOUN
hassl-4494	320	30	partners	partner	NOUN
hassl-4494	320	31	,	,	PUNCT
hassl-4494	320	32	which	which	PRON
hassl-4494	320	33	supports	support	VERB
hassl-4494	320	34	access	access	NOUN
hassl-4494	320	35	to	to	ADP
hassl-4494	320	36	credit	credit	NOUN
hassl-4494	320	37	and	and	CCONJ
hassl-4494	320	38	opportunities	opportunity	NOUN
hassl-4494	320	39	in	in	ADP
hassl-4494	320	40	the	the	DET
hassl-4494	320	41	market	market	NOUN
hassl-4494	320	42	.	.	PUNCT
hassl-4494	321	1	5	5	X
hassl-4494	321	2	.	.	X
hassl-4494	321	3	conclusion	conclusion	NOUN
hassl-4494	321	4	this	this	DET
hassl-4494	321	5	research	research	NOUN
hassl-4494	321	6	has	have	AUX
hassl-4494	321	7	tested	test	VERB
hassl-4494	321	8	the	the	DET
hassl-4494	321	9	four	four	NUM
hassl-4494	321	10	hypotheses	hypothesis	NOUN
hassl-4494	321	11	proposed	propose	VERB
hassl-4494	321	12	,	,	PUNCT
hassl-4494	321	13	and	and	CCONJ
hassl-4494	321	14	the	the	DET
hassl-4494	321	15	results	result	NOUN
hassl-4494	321	16	of	of	ADP
hassl-4494	321	17	the	the	DET
hassl-4494	321	18	modeling	modeling	NOUN
hassl-4494	321	19	test	test	NOUN
hassl-4494	321	20	can	can	AUX
hassl-4494	321	21	be	be	AUX
hassl-4494	321	22	accepted	accept	VERB
hassl-4494	321	23	as	as	ADP
hassl-4494	321	24	both	both	CCONJ
hassl-4494	321	25	theoretical	theoretical	ADJ
hassl-4494	321	26	and	and	CCONJ
hassl-4494	321	27	empirical	empirical	ADJ
hassl-4494	321	28	findings	finding	NOUN
hassl-4494	321	29	.	.	PUNCT
hassl-4494	322	1	it	it	PRON
hassl-4494	322	2	also	also	ADV
hassl-4494	322	3	addresses	address	VERB
hassl-4494	322	4	the	the	DET
hassl-4494	322	5	research	research	NOUN
hassl-4494	322	6	question	question	NOUN
hassl-4494	322	7	of	of	ADP
hassl-4494	322	8	how	how	SCONJ
hassl-4494	322	9	the	the	DET
hassl-4494	322	10	literacy	literacy	NOUN
hassl-4494	322	11	process	process	NOUN
hassl-4494	322	12	affects	affect	VERB
hassl-4494	322	13	msme	msme	PROPN
hassl-4494	322	14	business	business	PROPN
hassl-4494	322	15	development	development	NOUN
hassl-4494	322	16	through	through	ADP
hassl-4494	322	17	credit	credit	NOUN
hassl-4494	322	18	facilities	facility	NOUN
hassl-4494	322	19	.	.	PUNCT
hassl-4494	323	1	significantly	significantly	ADV
hassl-4494	323	2	,	,	PUNCT
hassl-4494	323	3	the	the	DET
hassl-4494	323	4	credit	credit	NOUN
hassl-4494	323	5	facility	facility	NOUN
hassl-4494	323	6	is	be	AUX
hassl-4494	323	7	proven	prove	VERB
hassl-4494	323	8	to	to	PART
hassl-4494	323	9	be	be	AUX
hassl-4494	323	10	a	a	DET
hassl-4494	323	11	mediating	mediate	VERB
hassl-4494	323	12	variable	variable	NOUN
hassl-4494	323	13	,	,	PUNCT
hassl-4494	323	14	as	as	ADV
hassl-4494	323	15	well	well	ADV
hassl-4494	323	16	as	as	ADP
hassl-4494	323	17	having	have	VERB
hassl-4494	323	18	a	a	DET
hassl-4494	323	19	significant	significant	ADJ
hassl-4494	323	20	direct	direct	ADJ
hassl-4494	323	21	impact	impact	NOUN
hassl-4494	323	22	on	on	ADP
hassl-4494	323	23	msme	msme	NOUN
hassl-4494	323	24	actors	actor	NOUN
hassl-4494	323	25	in	in	ADP
hassl-4494	323	26	improving	improve	VERB
hassl-4494	323	27	their	their	PRON
hassl-4494	323	28	businesses	business	NOUN
hassl-4494	323	29	.	.	PUNCT
hassl-4494	324	1	tests	test	NOUN
hassl-4494	324	2	show	show	VERB
hassl-4494	324	3	that	that	SCONJ
hassl-4494	324	4	digital	digital	ADJ
hassl-4494	324	5	literacy	literacy	NOUN
hassl-4494	324	6	influences	influence	VERB
hassl-4494	324	7	the	the	DET
hassl-4494	324	8	ability	ability	NOUN
hassl-4494	324	9	to	to	PART
hassl-4494	324	10	use	use	VERB
hassl-4494	324	11	credit	credit	NOUN
hassl-4494	324	12	facilities	facility	NOUN
hassl-4494	324	13	effectively	effectively	ADV
hassl-4494	324	14	,	,	PUNCT
hassl-4494	324	15	which	which	PRON
hassl-4494	324	16	in	in	ADP
hassl-4494	324	17	turn	turn	NOUN
hassl-4494	324	18	supports	support	VERB
hassl-4494	324	19	the	the	DET
hassl-4494	324	20	growth	growth	NOUN
hassl-4494	324	21	of	of	ADP
hassl-4494	324	22	msmes	msme	NOUN
hassl-4494	324	23	.	.	PUNCT
hassl-4494	325	1	although	although	SCONJ
hassl-4494	325	2	digital	digital	ADJ
hassl-4494	325	3	literacy	literacy	NOUN
hassl-4494	325	4	makes	make	VERB
hassl-4494	325	5	a	a	DET
hassl-4494	325	6	positive	positive	ADJ
hassl-4494	325	7	contribution	contribution	NOUN
hassl-4494	325	8	,	,	PUNCT
hassl-4494	325	9	inequalities	inequality	NOUN
hassl-4494	325	10	in	in	ADP
hassl-4494	325	11	digital	digital	ADJ
hassl-4494	325	12	information	information	NOUN
hassl-4494	325	13	analysis	analysis	NOUN
hassl-4494	325	14	capabilities	capability	NOUN
hassl-4494	325	15	need	need	VERB
hassl-4494	325	16	to	to	PART
hassl-4494	325	17	be	be	AUX
hassl-4494	325	18	addressed	address	VERB
hassl-4494	325	19	.	.	PUNCT
hassl-4494	326	1	the	the	DET
hassl-4494	326	2	use	use	NOUN
hassl-4494	326	3	of	of	ADP
hassl-4494	326	4	credit	credit	NOUN
hassl-4494	326	5	facilities	facility	NOUN
hassl-4494	326	6	also	also	ADV
hassl-4494	326	7	functions	function	VERB
hassl-4494	326	8	as	as	ADP
hassl-4494	326	9	an	an	DET
hassl-4494	326	10	important	important	ADJ
hassl-4494	326	11	mediator	mediator	NOUN
hassl-4494	326	12	,	,	PUNCT
hassl-4494	326	13	strengthening	strengthen	VERB
hassl-4494	326	14	the	the	DET
hassl-4494	326	15	positive	positive	ADJ
hassl-4494	326	16	effects	effect	NOUN
hassl-4494	326	17	of	of	ADP
hassl-4494	326	18	digital	digital	ADJ
hassl-4494	326	19	literacy	literacy	NOUN
hassl-4494	326	20	on	on	ADP
hassl-4494	326	21	msme	msme	NOUN
hassl-4494	326	22	development	development	NOUN
hassl-4494	326	23	by	by	ADP
hassl-4494	326	24	providing	provide	VERB
hassl-4494	326	25	better	well	ADJ
hassl-4494	326	26	access	access	NOUN
hassl-4494	326	27	to	to	ADP
hassl-4494	326	28	financial	financial	ADJ
hassl-4494	326	29	resources	resource	NOUN
hassl-4494	326	30	and	and	CCONJ
hassl-4494	326	31	markets	market	NOUN
hassl-4494	326	32	.	.	PUNCT
hassl-4494	327	1	therefore	therefore	ADV
hassl-4494	327	2	,	,	PUNCT
hassl-4494	327	3	to	to	PART
hassl-4494	327	4	maximize	maximize	VERB
hassl-4494	327	5	msme	msme	NOUN
hassl-4494	327	6	development	development	NOUN
hassl-4494	327	7	,	,	PUNCT
hassl-4494	327	8	it	it	PRON
hassl-4494	327	9	is	be	AUX
hassl-4494	327	10	important	important	ADJ
hassl-4494	327	11	to	to	PART
hassl-4494	327	12	increase	increase	VERB
hassl-4494	327	13	digital	digital	ADJ
hassl-4494	327	14	literacy	literacy	NOUN
hassl-4494	327	15	and	and	CCONJ
hassl-4494	327	16	optimize	optimize	VERB
hassl-4494	327	17	the	the	DET
hassl-4494	327	18	use	use	NOUN
hassl-4494	327	19	of	of	ADP
hassl-4494	327	20	credit	credit	NOUN
hassl-4494	327	21	facilities	facility	NOUN
hassl-4494	327	22	.	.	PUNCT
hassl-4494	328	1	the	the	DET
hassl-4494	328	2	variable	variable	ADJ
hassl-4494	328	3	descriptions	description	NOUN
hassl-4494	328	4	of	of	ADP
hassl-4494	328	5	digital	digital	ADJ
hassl-4494	328	6	literacy	literacy	NOUN
hassl-4494	328	7	,	,	PUNCT
hassl-4494	328	8	use	use	NOUN
hassl-4494	328	9	of	of	ADP
hassl-4494	328	10	credit	credit	NOUN
hassl-4494	328	11	facilities	facility	NOUN
hassl-4494	328	12	,	,	PUNCT
hassl-4494	328	13	and	and	CCONJ
hassl-4494	328	14	development	development	NOUN
hassl-4494	328	15	of	of	ADP
hassl-4494	328	16	jakpreneur	jakpreneur	PROPN
hassl-4494	328	17	msme	msme	NOUN
hassl-4494	328	18	actors	actor	NOUN
hassl-4494	328	19	in	in	ADP
hassl-4494	328	20	jakarta	jakarta	PROPN
hassl-4494	328	21	are	be	AUX
hassl-4494	328	22	measured	measure	VERB
hassl-4494	328	23	as	as	ADP
hassl-4494	328	24	high	high	ADJ
hassl-4494	328	25	.	.	PUNCT
hassl-4494	329	1	empirically	empirically	ADV
hassl-4494	329	2	,	,	PUNCT
hassl-4494	329	3	the	the	DET
hassl-4494	329	4	variable	variable	NOUN
hassl-4494	329	5	of	of	ADP
hassl-4494	329	6	credit	credit	NOUN
hassl-4494	329	7	facilities	facility	NOUN
hassl-4494	329	8	is	be	AUX
hassl-4494	329	9	used	use	VERB
hassl-4494	329	10	to	to	PART
hassl-4494	329	11	find	find	VERB
hassl-4494	329	12	creative	creative	ADJ
hassl-4494	329	13	solutions	solution	NOUN
hassl-4494	329	14	to	to	PART
hassl-4494	329	15	face	face	VERB
hassl-4494	329	16	business	business	NOUN
hassl-4494	329	17	challenges	challenge	NOUN
hassl-4494	329	18	.	.	PUNCT
hassl-4494	330	1	digital	digital	ADJ
hassl-4494	330	2	literacy	literacy	NOUN
hassl-4494	330	3	refers	refer	VERB
hassl-4494	330	4	to	to	ADP
hassl-4494	330	5	the	the	DET
hassl-4494	330	6	ability	ability	NOUN
hassl-4494	330	7	to	to	PART
hassl-4494	330	8	analyze	analyze	VERB
hassl-4494	330	9	sources	source	NOUN
hassl-4494	330	10	of	of	ADP
hassl-4494	330	11	information	information	NOUN
hassl-4494	330	12	obtained	obtain	VERB
hassl-4494	330	13	to	to	PART
hassl-4494	330	14	ensure	ensure	VERB
hassl-4494	330	15	their	their	PRON
hassl-4494	330	16	humanities	humanity	NOUN
hassl-4494	330	17	and	and	CCONJ
hassl-4494	330	18	social	social	ADJ
hassl-4494	330	19	sciences	science	NOUN
hassl-4494	330	20	letters	letter	NOUN
hassl-4494	330	21	,	,	PUNCT
hassl-4494	330	22	2025	2025	NUM
hassl-4494	330	23	,	,	PUNCT
hassl-4494	330	24	13(4	13(4	NUM
hassl-4494	330	25	):	):	PUNCT
hassl-4494	330	26	1287	1287	NUM
hassl-4494	330	27	-	-	SYM
hassl-4494	330	28	1303	1303	NUM
hassl-4494	330	29	1299	1299	NUM
hassl-4494	330	30	©	©	ADP
hassl-4494	330	31	2025	2025	NUM
hassl-4494	330	32	conscientia	conscientia	PROPN
hassl-4494	330	33	beam	beam	PROPN
hassl-4494	330	34	.	.	PUNCT
hassl-4494	331	1	all	all	DET
hassl-4494	331	2	rights	right	NOUN
hassl-4494	331	3	reserved	reserve	VERB
hassl-4494	331	4	.	.	PUNCT
hassl-4494	332	1	validity	validity	NOUN
hassl-4494	332	2	,	,	PUNCT
hassl-4494	332	3	whether	whether	SCONJ
hassl-4494	332	4	from	from	ADP
hassl-4494	332	5	trusted	trust	VERB
hassl-4494	332	6	sources	source	NOUN
hassl-4494	332	7	or	or	CCONJ
hassl-4494	332	8	unconvincing	unconvincing	ADJ
hassl-4494	332	9	ones	one	NOUN
hassl-4494	332	10	.	.	PUNCT
hassl-4494	333	1	the	the	DET
hassl-4494	333	2	msme	msme	PROPN
hassl-4494	333	3	development	development	PROPN
hassl-4494	333	4	variable	variable	NOUN
hassl-4494	333	5	is	be	AUX
hassl-4494	333	6	measured	measure	VERB
hassl-4494	333	7	as	as	ADP
hassl-4494	333	8	low	low	ADJ
hassl-4494	333	9	,	,	PUNCT
hassl-4494	333	10	indicating	indicate	VERB
hassl-4494	333	11	that	that	SCONJ
hassl-4494	333	12	smes	sme	NOUN
hassl-4494	333	13	have	have	VERB
hassl-4494	333	14	a	a	DET
hassl-4494	333	15	variety	variety	NOUN
hassl-4494	333	16	of	of	ADP
hassl-4494	333	17	products	product	NOUN
hassl-4494	333	18	,	,	PUNCT
hassl-4494	333	19	appearance	appearance	NOUN
hassl-4494	333	20	,	,	PUNCT
hassl-4494	333	21	and	and	CCONJ
hassl-4494	333	22	packaging	packaging	NOUN
hassl-4494	333	23	that	that	PRON
hassl-4494	333	24	are	be	AUX
hassl-4494	333	25	increasingly	increasingly	ADV
hassl-4494	333	26	attractive	attractive	ADJ
hassl-4494	333	27	.	.	PUNCT
hassl-4494	334	1	empirical	empirical	ADJ
hassl-4494	334	2	results	result	NOUN
hassl-4494	334	3	show	show	VERB
hassl-4494	334	4	that	that	SCONJ
hassl-4494	334	5	sme	sme	NOUN
hassl-4494	334	6	actors	actor	NOUN
hassl-4494	334	7	have	have	AUX
hassl-4494	334	8	planned	plan	VERB
hassl-4494	334	9	schedules	schedule	NOUN
hassl-4494	334	10	to	to	PART
hassl-4494	334	11	implement	implement	VERB
hassl-4494	334	12	new	new	ADJ
hassl-4494	334	13	creative	creative	ADJ
hassl-4494	334	14	ideas	idea	NOUN
hassl-4494	334	15	,	,	PUNCT
hassl-4494	334	16	have	have	AUX
hassl-4494	334	17	been	be	AUX
hassl-4494	334	18	able	able	ADJ
hassl-4494	334	19	to	to	PART
hassl-4494	334	20	search	search	VERB
hassl-4494	334	21	for	for	ADP
hassl-4494	334	22	information	information	NOUN
hassl-4494	334	23	via	via	ADP
hassl-4494	334	24	the	the	DET
hassl-4494	334	25	internet	internet	NOUN
hassl-4494	334	26	,	,	PUNCT
hassl-4494	334	27	and	and	CCONJ
hassl-4494	334	28	have	have	AUX
hassl-4494	334	29	experienced	experience	VERB
hassl-4494	334	30	an	an	DET
hassl-4494	334	31	increase	increase	NOUN
hassl-4494	334	32	in	in	ADP
hassl-4494	334	33	demand	demand	NOUN
hassl-4494	334	34	for	for	ADP
hassl-4494	334	35	their	their	PRON
hassl-4494	334	36	products	product	NOUN
hassl-4494	334	37	.	.	PUNCT
hassl-4494	335	1	this	this	DET
hassl-4494	335	2	research	research	NOUN
hassl-4494	335	3	experiences	experience	VERB
hassl-4494	335	4	limitations	limitation	NOUN
hassl-4494	335	5	in	in	ADP
hassl-4494	335	6	that	that	SCONJ
hassl-4494	335	7	the	the	DET
hassl-4494	335	8	research	research	NOUN
hassl-4494	335	9	subjects	subject	NOUN
hassl-4494	335	10	only	only	ADV
hassl-4494	335	11	come	come	VERB
hassl-4494	335	12	from	from	ADP
hassl-4494	335	13	one	one	NUM
hassl-4494	335	14	group	group	NOUN
hassl-4494	335	15	of	of	ADP
hassl-4494	335	16	smes	sme	NOUN
hassl-4494	335	17	,	,	PUNCT
hassl-4494	335	18	so	so	SCONJ
hassl-4494	335	19	it	it	PRON
hassl-4494	335	20	does	do	AUX
hassl-4494	335	21	not	not	PART
hassl-4494	335	22	describe	describe	VERB
hassl-4494	335	23	the	the	DET
hassl-4494	335	24	research	research	NOUN
hassl-4494	335	25	results	result	NOUN
hassl-4494	335	26	in	in	ADP
hassl-4494	335	27	general	general	ADJ
hassl-4494	335	28	.	.	PUNCT
hassl-4494	336	1	the	the	DET
hassl-4494	336	2	variables	variable	NOUN
hassl-4494	336	3	used	use	VERB
hassl-4494	336	4	to	to	PART
hassl-4494	336	5	measure	measure	VERB
hassl-4494	336	6	sme	sme	ADJ
hassl-4494	336	7	development	development	NOUN
hassl-4494	336	8	in	in	ADP
hassl-4494	336	9	this	this	DET
hassl-4494	336	10	research	research	NOUN
hassl-4494	336	11	are	be	AUX
hassl-4494	336	12	only	only	ADV
hassl-4494	336	13	three	three	NUM
hassl-4494	336	14	:	:	PUNCT
hassl-4494	336	15	credit	credit	NOUN
hassl-4494	336	16	access	access	NOUN
hassl-4494	336	17	and	and	CCONJ
hassl-4494	336	18	facilities	facility	NOUN
hassl-4494	336	19	,	,	PUNCT
hassl-4494	336	20	digital	digital	ADJ
hassl-4494	336	21	literacy	literacy	NOUN
hassl-4494	336	22	,	,	PUNCT
hassl-4494	336	23	and	and	CCONJ
hassl-4494	336	24	sme	sme	PROPN
hassl-4494	336	25	development	development	NOUN
hassl-4494	336	26	.	.	PUNCT
hassl-4494	337	1	it	it	PRON
hassl-4494	337	2	is	be	AUX
hassl-4494	337	3	hoped	hope	VERB
hassl-4494	337	4	that	that	SCONJ
hassl-4494	337	5	future	future	ADJ
hassl-4494	337	6	researchers	researcher	NOUN
hassl-4494	337	7	will	will	AUX
hassl-4494	337	8	be	be	AUX
hassl-4494	337	9	able	able	ADJ
hassl-4494	337	10	to	to	PART
hassl-4494	337	11	examine	examine	VERB
hassl-4494	337	12	the	the	DET
hassl-4494	337	13	development	development	NOUN
hassl-4494	337	14	of	of	ADP
hassl-4494	337	15	msmes	msme	NOUN
hassl-4494	337	16	using	use	VERB
hassl-4494	337	17	the	the	DET
hassl-4494	337	18	variables	variable	NOUN
hassl-4494	337	19	of	of	ADP
hassl-4494	337	20	location	location	NOUN
hassl-4494	337	21	,	,	PUNCT
hassl-4494	337	22	education	education	NOUN
hassl-4494	337	23	and	and	CCONJ
hassl-4494	337	24	training	training	NOUN
hassl-4494	337	25	,	,	PUNCT
hassl-4494	337	26	creativity	creativity	NOUN
hassl-4494	337	27	and	and	CCONJ
hassl-4494	337	28	innovation	innovation	NOUN
hassl-4494	337	29	,	,	PUNCT
hassl-4494	337	30	as	as	ADV
hassl-4494	337	31	well	well	ADV
hassl-4494	337	32	as	as	ADP
hassl-4494	337	33	other	other	ADJ
hassl-4494	337	34	aspects	aspect	NOUN
hassl-4494	337	35	involving	involve	VERB
hassl-4494	337	36	the	the	DET
hassl-4494	337	37	digital	digital	ADJ
hassl-4494	337	38	capabilities	capability	NOUN
hassl-4494	337	39	of	of	ADP
hassl-4494	337	40	industry	industry	NOUN
hassl-4494	337	41	4.0	4.0	NUM
hassl-4494	337	42	.	.	PUNCT
hassl-4494	338	1	funding	funding	NOUN
hassl-4494	338	2	:	:	PUNCT
hassl-4494	338	3	this	this	DET
hassl-4494	338	4	research	research	NOUN
hassl-4494	338	5	is	be	AUX
hassl-4494	338	6	supported	support	VERB
hassl-4494	338	7	by	by	ADP
hassl-4494	338	8	universitas	universita	NOUN
hassl-4494	338	9	negeri	negeri	PROPN
hassl-4494	338	10	jakarta	jakarta	PROPN
hassl-4494	338	11	,	,	PUNCT
hassl-4494	338	12	indonesia	indonesia	PROPN
hassl-4494	338	13	(	(	PUNCT
hassl-4494	338	14	grant	grant	PROPN
hassl-4494	338	15	number	number	NOUN
hassl-4494	338	16	:	:	PUNCT
hassl-4494	338	17	391	391	NUM
hassl-4494	338	18	/	/	SYM
hassl-4494	338	19	un39	un39	PROPN
hassl-4494	338	20	/	/	SYM
hassl-4494	338	21	hk.02/2024	hk.02/2024	NOUN
hassl-4494	338	22	)	)	PUNCT
hassl-4494	338	23	institutional	institutional	ADJ
hassl-4494	338	24	review	review	NOUN
hassl-4494	338	25	board	board	NOUN
hassl-4494	338	26	statement	statement	NOUN
hassl-4494	338	27	:	:	PUNCT
hassl-4494	338	28	the	the	DET
hassl-4494	338	29	ethical	ethical	ADJ
hassl-4494	338	30	committee	committee	NOUN
hassl-4494	338	31	of	of	ADP
hassl-4494	338	32	the	the	DET
hassl-4494	338	33	universitas	universita	NOUN
hassl-4494	338	34	negeri	negeri	PROPN
hassl-4494	338	35	jakarta	jakarta	PROPN
hassl-4494	338	36	,	,	PUNCT
hassl-4494	338	37	indonesia	indonesia	PROPN
hassl-4494	338	38	has	have	AUX
hassl-4494	338	39	granted	grant	VERB
hassl-4494	338	40	approval	approval	NOUN
hassl-4494	338	41	for	for	ADP
hassl-4494	338	42	this	this	DET
hassl-4494	338	43	study	study	NOUN
hassl-4494	338	44	on	on	ADP
hassl-4494	338	45	19	19	NUM
hassl-4494	338	46	february	february	NOUN
hassl-4494	338	47	2024	2024	NUM
hassl-4494	338	48	(	(	PUNCT
hassl-4494	338	49	ref	ref	NOUN
hassl-4494	338	50	.	.	PUNCT
hassl-4494	339	1	no	no	INTJ
hassl-4494	339	2	.	.	PUNCT
hassl-4494	340	1	b/230	b/230	PROPN
hassl-4494	340	2	/	/	SYM
hassl-4494	340	3	un39.14	un39.14	PROPN
hassl-4494	340	4	/	/	SYM
hassl-4494	340	5	pt	pt	NOUN
hassl-4494	340	6	/	/	SYM
hassl-4494	340	7	iii/2024	iii/2024	NOUN
hassl-4494	340	8	)	)	PUNCT
hassl-4494	340	9	.	.	PUNCT
hassl-4494	341	1	transparency	transparency	NOUN
hassl-4494	341	2	:	:	PUNCT
hassl-4494	341	3	the	the	DET
hassl-4494	341	4	authors	author	NOUN
hassl-4494	341	5	state	state	VERB
hassl-4494	341	6	that	that	SCONJ
hassl-4494	341	7	the	the	DET
hassl-4494	341	8	manuscript	manuscript	NOUN
hassl-4494	341	9	is	be	AUX
hassl-4494	341	10	honest	honest	ADJ
hassl-4494	341	11	,	,	PUNCT
hassl-4494	341	12	truthful	truthful	ADJ
hassl-4494	341	13	,	,	PUNCT
hassl-4494	341	14	and	and	CCONJ
hassl-4494	341	15	transparent	transparent	ADJ
hassl-4494	341	16	,	,	PUNCT
hassl-4494	341	17	that	that	SCONJ
hassl-4494	341	18	no	no	DET
hassl-4494	341	19	key	key	ADJ
hassl-4494	341	20	aspects	aspect	NOUN
hassl-4494	341	21	of	of	ADP
hassl-4494	341	22	the	the	DET
hassl-4494	341	23	investigation	investigation	NOUN
hassl-4494	341	24	have	have	AUX
hassl-4494	341	25	been	be	AUX
hassl-4494	341	26	omitted	omit	VERB
hassl-4494	341	27	,	,	PUNCT
hassl-4494	341	28	and	and	CCONJ
hassl-4494	341	29	that	that	SCONJ
hassl-4494	341	30	any	any	DET
hassl-4494	341	31	differences	difference	NOUN
hassl-4494	341	32	from	from	ADP
hassl-4494	341	33	the	the	DET
hassl-4494	341	34	study	study	NOUN
hassl-4494	341	35	as	as	SCONJ
hassl-4494	341	36	planned	plan	VERB
hassl-4494	341	37	have	have	AUX
hassl-4494	341	38	been	be	AUX
hassl-4494	341	39	clarified	clarify	VERB
hassl-4494	341	40	.	.	PUNCT
hassl-4494	342	1	this	this	DET
hassl-4494	342	2	study	study	NOUN
hassl-4494	342	3	followed	follow	VERB
hassl-4494	342	4	all	all	PRON
hassl-4494	342	5	writing	write	VERB
hassl-4494	342	6	ethics	ethic	NOUN
hassl-4494	342	7	.	.	PUNCT
hassl-4494	343	1	competing	compete	VERB
hassl-4494	343	2	interests	interest	NOUN
hassl-4494	343	3	:	:	PUNCT
hassl-4494	343	4	the	the	DET
hassl-4494	343	5	authors	author	NOUN
hassl-4494	343	6	declare	declare	VERB
hassl-4494	343	7	that	that	SCONJ
hassl-4494	343	8	they	they	PRON
hassl-4494	343	9	have	have	VERB
hassl-4494	343	10	no	no	DET
hassl-4494	343	11	competing	compete	VERB
hassl-4494	343	12	interests	interest	NOUN
hassl-4494	343	13	.	.	PUNCT
hassl-4494	344	1	authors	author	NOUN
hassl-4494	344	2	’	'	PUNCT
hassl-4494	344	3	contributions	contribution	NOUN
hassl-4494	344	4	:	:	PUNCT
hassl-4494	344	5	all	all	DET
hassl-4494	344	6	authors	author	NOUN
hassl-4494	344	7	contributed	contribute	VERB
hassl-4494	344	8	equally	equally	ADV
hassl-4494	344	9	to	to	ADP
hassl-4494	344	10	the	the	DET
hassl-4494	344	11	conception	conception	NOUN
hassl-4494	344	12	and	and	CCONJ
hassl-4494	344	13	design	design	NOUN
hassl-4494	344	14	of	of	ADP
hassl-4494	344	15	the	the	DET
hassl-4494	344	16	study	study	NOUN
hassl-4494	344	17	.	.	PUNCT
hassl-4494	345	1	all	all	DET
hassl-4494	345	2	authors	author	NOUN
hassl-4494	345	3	have	have	AUX
hassl-4494	345	4	read	read	VERB
hassl-4494	345	5	and	and	CCONJ
hassl-4494	345	6	agreed	agree	VERB
hassl-4494	345	7	to	to	ADP
hassl-4494	345	8	the	the	DET
hassl-4494	345	9	published	publish	VERB
hassl-4494	345	10	version	version	NOUN
hassl-4494	345	11	of	of	ADP
hassl-4494	345	12	the	the	DET
hassl-4494	345	13	manuscript	manuscript	NOUN
hassl-4494	345	14	.	.	PUNCT
hassl-4494	346	1	references	reference	NOUN
hassl-4494	346	2	al	al	PROPN
hassl-4494	346	3	-	-	PUNCT
hassl-4494	346	4	debei	debei	NOUN
hassl-4494	346	5	,	,	PUNCT
hassl-4494	346	6	m.	m.	NOUN
hassl-4494	346	7	m.	m.	NOUN
hassl-4494	346	8	,	,	PUNCT
hassl-4494	346	9	&	&	CCONJ
hassl-4494	346	10	avison	avison	PROPN
hassl-4494	346	11	,	,	PUNCT
hassl-4494	346	12	d.	d.	PROPN
hassl-4494	346	13	(	(	PUNCT
hassl-4494	346	14	2010	2010	NUM
hassl-4494	346	15	)	)	PUNCT
hassl-4494	346	16	.	.	PUNCT
hassl-4494	347	1	developing	develop	VERB
hassl-4494	347	2	a	a	DET
hassl-4494	347	3	unified	unified	ADJ
hassl-4494	347	4	framework	framework	NOUN
hassl-4494	347	5	of	of	ADP
hassl-4494	347	6	the	the	DET
hassl-4494	347	7	business	business	NOUN
hassl-4494	347	8	model	model	NOUN
hassl-4494	347	9	concept	concept	NOUN
hassl-4494	347	10	.	.	PUNCT
hassl-4494	348	1	european	european	PROPN
hassl-4494	348	2	journal	journal	PROPN
hassl-4494	348	3	of	of	ADP
hassl-4494	348	4	information	information	NOUN
hassl-4494	348	5	systems	system	NOUN
hassl-4494	348	6	,	,	PUNCT
hassl-4494	348	7	19(3	19(3	NUM
hassl-4494	348	8	)	)	PUNCT
hassl-4494	348	9	,	,	PUNCT
hassl-4494	348	10	359	359	NUM
hassl-4494	348	11	-	-	SYM
hassl-4494	348	12	376	376	NUM
hassl-4494	348	13	.	.	PUNCT
hassl-4494	349	1	https://doi.org/10.1057/ejis.2010.21	https://doi.org/10.1057/ejis.2010.21	ADJ
hassl-4494	349	2	ambad	ambad	NOUN
hassl-4494	349	3	,	,	PUNCT
hassl-4494	349	4	s.	s.	PROPN
hassl-4494	349	5	n.	n.	PROPN
hassl-4494	349	6	a.	a.	PROPN
hassl-4494	349	7	,	,	PUNCT
hassl-4494	349	8	&	&	CCONJ
hassl-4494	349	9	damit	damit	PROPN
hassl-4494	349	10	,	,	PUNCT
hassl-4494	349	11	d.	d.	PROPN
hassl-4494	349	12	h.	h.	PROPN
hassl-4494	349	13	d.	d.	PROPN
hassl-4494	349	14	a.	a.	PROPN
hassl-4494	349	15	(	(	PUNCT
hassl-4494	349	16	2016	2016	NUM
hassl-4494	349	17	)	)	PUNCT
hassl-4494	349	18	.	.	PUNCT
hassl-4494	350	1	determinants	determinant	NOUN
hassl-4494	350	2	of	of	ADP
hassl-4494	350	3	entrepreneurial	entrepreneurial	ADJ
hassl-4494	350	4	intention	intention	NOUN
hassl-4494	350	5	among	among	ADP
hassl-4494	350	6	undergraduate	undergraduate	ADJ
hassl-4494	350	7	students	student	NOUN
hassl-4494	350	8	in	in	ADP
hassl-4494	350	9	malaysia	malaysia	PROPN
hassl-4494	350	10	.	.	PUNCT
hassl-4494	351	1	procedia	procedia	PROPN
hassl-4494	351	2	economics	economic	NOUN
hassl-4494	351	3	and	and	CCONJ
hassl-4494	351	4	finance	finance	NOUN
hassl-4494	351	5	,	,	PUNCT
hassl-4494	351	6	37	37	NUM
hassl-4494	351	7	,	,	PUNCT
hassl-4494	351	8	108	108	NUM
hassl-4494	351	9	-	-	SYM
hassl-4494	351	10	114	114	NUM
hassl-4494	351	11	.	.	PUNCT
hassl-4494	352	1	https://doi.org/10.1016/s2212-5671(16)30100-9	https://doi.org/10.1016/s2212-5671(16)30100-9	PROPN
hassl-4494	352	2	asriati	asriati	PROPN
hassl-4494	352	3	,	,	PUNCT
hassl-4494	352	4	n.	n.	NOUN
hassl-4494	352	5	,	,	PUNCT
hassl-4494	352	6	syamsuri	syamsuri	PROPN
hassl-4494	352	7	,	,	PUNCT
hassl-4494	352	8	s.	s.	PROPN
hassl-4494	352	9	,	,	PUNCT
hassl-4494	352	10	thoharudin	thoharudin	NOUN
hassl-4494	352	11	,	,	PUNCT
hassl-4494	352	12	m.	m.	NOUN
hassl-4494	352	13	,	,	PUNCT
hassl-4494	352	14	wardani	wardani	PROPN
hassl-4494	352	15	,	,	PUNCT
hassl-4494	352	16	s.	s.	PROPN
hassl-4494	352	17	f.	f.	PROPN
hassl-4494	352	18	,	,	PUNCT
hassl-4494	352	19	&	&	CCONJ
hassl-4494	352	20	kusuma	kusuma	PROPN
hassl-4494	352	21	putra	putra	PROPN
hassl-4494	352	22	,	,	PUNCT
hassl-4494	352	23	a.	a.	PROPN
hassl-4494	352	24	h.	h.	PROPN
hassl-4494	352	25	p.	p.	PROPN
hassl-4494	352	26	(	(	PUNCT
hassl-4494	352	27	2022	2022	NUM
hassl-4494	352	28	)	)	PUNCT
hassl-4494	352	29	.	.	PUNCT
hassl-4494	353	1	analysis	analysis	NOUN
hassl-4494	353	2	of	of	ADP
hassl-4494	353	3	business	business	NOUN
hassl-4494	353	4	behavior	behavior	NOUN
hassl-4494	353	5	and	and	CCONJ
hassl-4494	353	6	hrm	hrm	PROPN
hassl-4494	353	7	perspectives	perspective	NOUN
hassl-4494	353	8	on	on	ADP
hassl-4494	353	9	post	post	ADJ
hassl-4494	353	10	-	-	ADJ
hassl-4494	353	11	covid-19	covid-19	ADJ
hassl-4494	353	12	sme	sme	NOUN
hassl-4494	353	13	business	business	NOUN
hassl-4494	353	14	sustainability	sustainability	NOUN
hassl-4494	353	15	.	.	PUNCT
hassl-4494	354	1	cogent	cogent	NOUN
hassl-4494	354	2	business	business	PROPN
hassl-4494	354	3	&	&	CCONJ
hassl-4494	354	4	management	management	PROPN
hassl-4494	354	5	,	,	PUNCT
hassl-4494	354	6	9(1	9(1	NUM
hassl-4494	354	7	)	)	PUNCT
hassl-4494	354	8	,	,	PUNCT
hassl-4494	354	9	2115621	2115621	NUM
hassl-4494	354	10	.	.	PUNCT
hassl-4494	355	1	https://doi.org/10.1080/23311975.2022.2115621	https://doi.org/10.1080/23311975.2022.2115621	PROPN
hassl-4494	355	2	atkin	atkin	PROPN
hassl-4494	355	3	,	,	PUNCT
hassl-4494	355	4	d.	d.	PROPN
hassl-4494	355	5	j.	j.	PROPN
hassl-4494	355	6	,	,	PUNCT
hassl-4494	355	7	hunt	hunt	PROPN
hassl-4494	355	8	,	,	PUNCT
hassl-4494	355	9	d.	d.	PROPN
hassl-4494	355	10	s.	s.	PROPN
hassl-4494	355	11	,	,	PUNCT
hassl-4494	355	12	&	&	CCONJ
hassl-4494	355	13	lin	lin	PROPN
hassl-4494	355	14	,	,	PUNCT
hassl-4494	355	15	c.	c.	PROPN
hassl-4494	355	16	a.	a.	PROPN
hassl-4494	355	17	(	(	PUNCT
hassl-4494	355	18	2018	2018	NUM
hassl-4494	355	19	)	)	PUNCT
hassl-4494	355	20	.	.	PUNCT
hassl-4494	356	1	diffusion	diffusion	NOUN
hassl-4494	356	2	theory	theory	NOUN
hassl-4494	356	3	in	in	ADP
hassl-4494	356	4	the	the	DET
hassl-4494	356	5	new	new	ADJ
hassl-4494	356	6	media	medium	NOUN
hassl-4494	356	7	environment	environment	NOUN
hassl-4494	356	8	:	:	PUNCT
hassl-4494	356	9	toward	toward	ADP
hassl-4494	356	10	an	an	DET
hassl-4494	356	11	integrated	integrate	VERB
hassl-4494	356	12	technology	technology	NOUN
hassl-4494	356	13	adoption	adoption	NOUN
hassl-4494	356	14	model	model	NOUN
hassl-4494	356	15	.	.	PUNCT
hassl-4494	357	1	in	in	ADP
hassl-4494	357	2	advances	advance	NOUN
hassl-4494	357	3	in	in	ADP
hassl-4494	357	4	foundational	foundational	ADJ
hassl-4494	357	5	mass	mass	ADJ
hassl-4494	357	6	communication	communication	NOUN
hassl-4494	357	7	theories	theory	NOUN
hassl-4494	357	8	(	(	PUNCT
hassl-4494	357	9	pp	pp	ADJ
hassl-4494	357	10	.	.	PUNCT
hassl-4494	357	11	225	225	NUM
hassl-4494	357	12	-	-	SYM
hassl-4494	357	13	252	252	NUM
hassl-4494	357	14	)	)	PUNCT
hassl-4494	357	15	.	.	PUNCT
hassl-4494	358	1	new	new	PROPN
hassl-4494	358	2	york	york	PROPN
hassl-4494	358	3	:	:	PUNCT
hassl-4494	359	1	routledge	routledge	PROPN
hassl-4494	359	2	.	.	PUNCT
hassl-4494	359	3	banerjee	banerjee	PROPN
hassl-4494	359	4	,	,	PUNCT
hassl-4494	359	5	a.	a.	NOUN
hassl-4494	359	6	v.	v.	PROPN
hassl-4494	359	7	,	,	PUNCT
hassl-4494	359	8	&	&	CCONJ
hassl-4494	359	9	duflo	duflo	PROPN
hassl-4494	359	10	,	,	PUNCT
hassl-4494	359	11	e.	e.	PROPN
hassl-4494	359	12	(	(	PUNCT
hassl-4494	359	13	2014	2014	NUM
hassl-4494	359	14	)	)	PUNCT
hassl-4494	359	15	.	.	PUNCT
hassl-4494	360	1	do	do	AUX
hassl-4494	360	2	firms	firm	NOUN
hassl-4494	360	3	want	want	VERB
hassl-4494	360	4	to	to	PART
hassl-4494	360	5	borrow	borrow	VERB
hassl-4494	360	6	more	more	ADJ
hassl-4494	360	7	?	?	PUNCT
hassl-4494	361	1	testing	test	VERB
hassl-4494	361	2	credit	credit	NOUN
hassl-4494	361	3	constraints	constraint	NOUN
hassl-4494	361	4	using	use	VERB
hassl-4494	361	5	a	a	DET
hassl-4494	361	6	directed	direct	VERB
hassl-4494	361	7	lending	lending	NOUN
hassl-4494	361	8	program	program	NOUN
hassl-4494	361	9	.	.	PUNCT
hassl-4494	362	1	the	the	DET
hassl-4494	362	2	review	review	NOUN
hassl-4494	362	3	of	of	ADP
hassl-4494	362	4	economic	economic	ADJ
hassl-4494	362	5	studies	study	NOUN
hassl-4494	362	6	,	,	PUNCT
hassl-4494	362	7	81(2	81(2	NUM
hassl-4494	362	8	)	)	PUNCT
hassl-4494	362	9	,	,	PUNCT
hassl-4494	362	10	572	572	NUM
hassl-4494	362	11	-	-	SYM
hassl-4494	362	12	607	607	NUM
hassl-4494	362	13	.	.	PUNCT
hassl-4494	363	1	https://doi.org/10.1093/restud/rdt046	https://doi.org/10.1093/restud/rdt046	VERB
hassl-4494	363	2	bataineh	bataineh	PROPN
hassl-4494	363	3	,	,	PUNCT
hassl-4494	363	4	o.	o.	PROPN
hassl-4494	363	5	,	,	PUNCT
hassl-4494	363	6	al	al	PROPN
hassl-4494	363	7	-	-	PUNCT
hassl-4494	363	8	hawari	hawari	PROPN
hassl-4494	363	9	,	,	PUNCT
hassl-4494	363	10	t.	t.	PROPN
hassl-4494	363	11	,	,	PUNCT
hassl-4494	363	12	alshraideh	alshraideh	PROPN
hassl-4494	363	13	,	,	PUNCT
hassl-4494	363	14	h.	h.	PROPN
hassl-4494	363	15	,	,	PUNCT
hassl-4494	363	16	&	&	CCONJ
hassl-4494	363	17	dalalah	dalalah	PROPN
hassl-4494	363	18	,	,	PUNCT
hassl-4494	363	19	d.	d.	PROPN
hassl-4494	363	20	(	(	PUNCT
hassl-4494	363	21	2019	2019	NUM
hassl-4494	363	22	)	)	PUNCT
hassl-4494	363	23	.	.	PUNCT
hassl-4494	364	1	a	a	DET
hassl-4494	364	2	sequential	sequential	ADJ
hassl-4494	364	3	tpm	tpm	NOUN
hassl-4494	364	4	-	-	PUNCT
hassl-4494	364	5	based	base	VERB
hassl-4494	364	6	scheme	scheme	NOUN
hassl-4494	364	7	for	for	ADP
hassl-4494	364	8	improving	improve	VERB
hassl-4494	364	9	production	production	NOUN
hassl-4494	364	10	effectiveness	effectiveness	NOUN
hassl-4494	364	11	presented	present	VERB
hassl-4494	364	12	with	with	ADP
hassl-4494	364	13	a	a	DET
hassl-4494	364	14	case	case	NOUN
hassl-4494	364	15	study	study	NOUN
hassl-4494	364	16	.	.	PUNCT
hassl-4494	365	1	journal	journal	NOUN
hassl-4494	365	2	of	of	ADP
hassl-4494	365	3	quality	quality	NOUN
hassl-4494	365	4	in	in	ADP
hassl-4494	365	5	maintenance	maintenance	NOUN
hassl-4494	365	6	engineering	engineering	NOUN
hassl-4494	365	7	,	,	PUNCT
hassl-4494	365	8	25(1	25(1	NUM
hassl-4494	365	9	)	)	PUNCT
hassl-4494	365	10	,	,	PUNCT
hassl-4494	365	11	144	144	NUM
hassl-4494	365	12	-	-	SYM
hassl-4494	365	13	161	161	NUM
hassl-4494	365	14	.	.	PUNCT
hassl-4494	366	1	https://doi.org/10.1108/jqme-07-2017-0045	https://doi.org/10.1108/jqme-07-2017-0045	PROPN
hassl-4494	366	2	beck	beck	PROPN
hassl-4494	366	3	,	,	PUNCT
hassl-4494	366	4	t.	t.	PROPN
hassl-4494	366	5	,	,	PUNCT
hassl-4494	366	6	demirgüç‐kunt	demirgüç‐kunt	PROPN
hassl-4494	366	7	,	,	PUNCT
hassl-4494	366	8	a.	a.	NOUN
hassl-4494	366	9	,	,	PUNCT
hassl-4494	366	10	&	&	CCONJ
hassl-4494	366	11	maksimovic	maksimovic	PROPN
hassl-4494	366	12	,	,	PUNCT
hassl-4494	366	13	v.	v.	PROPN
hassl-4494	366	14	(	(	PUNCT
hassl-4494	366	15	2005	2005	NUM
hassl-4494	366	16	)	)	PUNCT
hassl-4494	366	17	.	.	PUNCT
hassl-4494	367	1	financial	financial	ADJ
hassl-4494	367	2	and	and	CCONJ
hassl-4494	367	3	legal	legal	ADJ
hassl-4494	367	4	constraints	constraint	NOUN
hassl-4494	367	5	to	to	ADP
hassl-4494	367	6	growth	growth	NOUN
hassl-4494	367	7	:	:	PUNCT
hassl-4494	367	8	does	do	VERB
hassl-4494	367	9	firm	firm	ADJ
hassl-4494	367	10	size	size	NOUN
hassl-4494	367	11	matter	matter	NOUN
hassl-4494	367	12	?	?	PUNCT
hassl-4494	368	1	the	the	DET
hassl-4494	368	2	journal	journal	NOUN
hassl-4494	368	3	of	of	ADP
hassl-4494	368	4	finance	finance	NOUN
hassl-4494	368	5	,	,	PUNCT
hassl-4494	368	6	60(1	60(1	NUM
hassl-4494	368	7	)	)	PUNCT
hassl-4494	368	8	,	,	PUNCT
hassl-4494	368	9	137	137	NUM
hassl-4494	368	10	-	-	SYM
hassl-4494	368	11	177	177	NUM
hassl-4494	368	12	.	.	PUNCT
hassl-4494	369	1	https://doi.org/10.1111/j.1540-6261.2005.00727.x	https://doi.org/10.1111/j.1540-6261.2005.00727.x	PROPN
hassl-4494	369	2	bibarsov	bibarsov	PROPN
hassl-4494	369	3	,	,	PUNCT
hassl-4494	369	4	k.	k.	PROPN
hassl-4494	369	5	r.	r.	PROPN
hassl-4494	369	6	,	,	PUNCT
hassl-4494	369	7	kretova	kretova	PROPN
hassl-4494	369	8	,	,	PUNCT
hassl-4494	369	9	n.	n.	PROPN
hassl-4494	369	10	v.	v.	PROPN
hassl-4494	369	11	,	,	PUNCT
hassl-4494	369	12	&	&	CCONJ
hassl-4494	369	13	popova	popova	PROPN
hassl-4494	369	14	,	,	PUNCT
hassl-4494	369	15	e.	e.	PROPN
hassl-4494	369	16	y.	y.	PROPN
hassl-4494	369	17	(	(	PUNCT
hassl-4494	369	18	2017	2017	NUM
hassl-4494	369	19	)	)	PUNCT
hassl-4494	369	20	.	.	PUNCT
hassl-4494	370	1	improvement	improvement	NOUN
hassl-4494	370	2	of	of	ADP
hassl-4494	370	3	innovative	innovative	ADJ
hassl-4494	370	4	forms	form	NOUN
hassl-4494	370	5	as	as	ADP
hassl-4494	370	6	a	a	DET
hassl-4494	370	7	tool	tool	NOUN
hassl-4494	370	8	for	for	ADP
hassl-4494	370	9	effective	effective	ADJ
hassl-4494	370	10	development	development	NOUN
hassl-4494	370	11	of	of	ADP
hassl-4494	370	12	small	small	ADJ
hassl-4494	370	13	business	business	NOUN
hassl-4494	370	14	.	.	PUNCT
hassl-4494	371	1	european	european	ADJ
hassl-4494	371	2	research	research	PROPN
hassl-4494	371	3	studies	studies	PROPN
hassl-4494	371	4	journal	journal	NOUN
hassl-4494	371	5	,	,	PUNCT
hassl-4494	371	6	20(2	20(2	NUM
hassl-4494	371	7	)	)	PUNCT
hassl-4494	371	8	,	,	PUNCT
hassl-4494	371	9	98–110	98–110	PROPN
hassl-4494	371	10	.	.	PUNCT
hassl-4494	372	1	https://doi.org/10.35808/ersj/668	https://doi.org/10.35808/ersj/668	NOUN
hassl-4494	372	2	brown	brown	ADJ
hassl-4494	372	3	,	,	PUNCT
hassl-4494	372	4	j.	j.	PROPN
hassl-4494	372	5	r.	r.	PROPN
hassl-4494	372	6	,	,	PUNCT
hassl-4494	372	7	&	&	CCONJ
hassl-4494	372	8	dev	dev	PROPN
hassl-4494	372	9	,	,	PUNCT
hassl-4494	372	10	c.	c.	PROPN
hassl-4494	372	11	s.	s.	PROPN
hassl-4494	372	12	(	(	PUNCT
hassl-4494	372	13	2000	2000	NUM
hassl-4494	372	14	)	)	PUNCT
hassl-4494	372	15	.	.	PUNCT
hassl-4494	373	1	improving	improve	VERB
hassl-4494	373	2	productivity	productivity	NOUN
hassl-4494	373	3	in	in	ADP
hassl-4494	373	4	a	a	DET
hassl-4494	373	5	service	service	NOUN
hassl-4494	373	6	business	business	NOUN
hassl-4494	373	7	:	:	PUNCT
hassl-4494	373	8	evidence	evidence	NOUN
hassl-4494	373	9	from	from	ADP
hassl-4494	373	10	the	the	DET
hassl-4494	373	11	hotel	hotel	NOUN
hassl-4494	373	12	industry	industry	NOUN
hassl-4494	373	13	.	.	PUNCT
hassl-4494	374	1	journal	journal	PROPN
hassl-4494	374	2	of	of	ADP
hassl-4494	374	3	service	service	NOUN
hassl-4494	374	4	research	research	NOUN
hassl-4494	374	5	,	,	PUNCT
hassl-4494	374	6	2(4	2(4	NUM
hassl-4494	374	7	)	)	PUNCT
hassl-4494	374	8	,	,	PUNCT
hassl-4494	374	9	339	339	NUM
hassl-4494	374	10	-	-	SYM
hassl-4494	374	11	354	354	NUM
hassl-4494	374	12	.	.	PUNCT
hassl-4494	375	1	https://doi.org/10.1177/109467050024003	https://doi.org/10.1177/109467050024003	NOUN
hassl-4494	375	2	brunetti	brunetti	NOUN
hassl-4494	375	3	,	,	PUNCT
hassl-4494	375	4	f.	f.	PROPN
hassl-4494	375	5	,	,	PUNCT
hassl-4494	375	6	matt	matt	PROPN
hassl-4494	375	7	,	,	PUNCT
hassl-4494	375	8	d.	d.	PROPN
hassl-4494	375	9	t.	t.	PROPN
hassl-4494	375	10	,	,	PUNCT
hassl-4494	375	11	bonfanti	bonfanti	PROPN
hassl-4494	375	12	,	,	PUNCT
hassl-4494	375	13	a.	a.	NOUN
hassl-4494	375	14	,	,	PUNCT
hassl-4494	375	15	de	de	PROPN
hassl-4494	375	16	longhi	longhi	PROPN
hassl-4494	375	17	,	,	PUNCT
hassl-4494	375	18	a.	a.	PROPN
hassl-4494	375	19	,	,	PUNCT
hassl-4494	375	20	pedrini	pedrini	PROPN
hassl-4494	375	21	,	,	PUNCT
hassl-4494	375	22	g.	g.	PROPN
hassl-4494	375	23	,	,	PUNCT
hassl-4494	375	24	&	&	CCONJ
hassl-4494	375	25	orzes	orzes	PROPN
hassl-4494	375	26	,	,	PUNCT
hassl-4494	375	27	g.	g.	PROPN
hassl-4494	375	28	(	(	PUNCT
hassl-4494	375	29	2020	2020	NUM
hassl-4494	375	30	)	)	PUNCT
hassl-4494	375	31	.	.	PUNCT
hassl-4494	376	1	digital	digital	ADJ
hassl-4494	376	2	transformation	transformation	NOUN
hassl-4494	376	3	challenges	challenge	NOUN
hassl-4494	376	4	:	:	PUNCT
hassl-4494	376	5	strategies	strategy	NOUN
hassl-4494	376	6	emerging	emerge	VERB
hassl-4494	376	7	from	from	ADP
hassl-4494	376	8	a	a	DET
hassl-4494	376	9	multi	multi	ADJ
hassl-4494	376	10	-	-	ADJ
hassl-4494	376	11	stakeholder	stakeholder	ADJ
hassl-4494	376	12	approach	approach	NOUN
hassl-4494	376	13	.	.	PUNCT
hassl-4494	377	1	the	the	DET
hassl-4494	377	2	tqm	tqm	PROPN
hassl-4494	377	3	journal	journal	NOUN
hassl-4494	377	4	,	,	PUNCT
hassl-4494	377	5	32(4	32(4	NUM
hassl-4494	377	6	)	)	PUNCT
hassl-4494	377	7	,	,	PUNCT
hassl-4494	377	8	697	697	NUM
hassl-4494	377	9	-	-	SYM
hassl-4494	377	10	724	724	NUM
hassl-4494	377	11	.	.	PUNCT
hassl-4494	378	1	https://doi.org/10.1108/tqm-122019-0309	https://doi.org/10.1108/tqm-122019-0309	NOUN
hassl-4494	378	2	carayannis	carayannis	PROPN
hassl-4494	378	3	,	,	PUNCT
hassl-4494	378	4	e.	e.	PROPN
hassl-4494	378	5	g.	g.	PROPN
hassl-4494	378	6	,	,	PUNCT
hassl-4494	378	7	popescu	popescu	PROPN
hassl-4494	378	8	,	,	PUNCT
hassl-4494	378	9	d.	d.	PROPN
hassl-4494	378	10	,	,	PUNCT
hassl-4494	378	11	sipp	sipp	PROPN
hassl-4494	378	12	,	,	PUNCT
hassl-4494	378	13	c.	c.	PROPN
hassl-4494	378	14	,	,	PUNCT
hassl-4494	378	15	&	&	CCONJ
hassl-4494	378	16	stewart	stewart	PROPN
hassl-4494	378	17	,	,	PUNCT
hassl-4494	378	18	m.	m.	NOUN
hassl-4494	378	19	(	(	PUNCT
hassl-4494	378	20	2006	2006	NUM
hassl-4494	378	21	)	)	PUNCT
hassl-4494	378	22	.	.	PUNCT
hassl-4494	379	1	technological	technological	ADJ
hassl-4494	379	2	learning	learning	NOUN
hassl-4494	379	3	for	for	ADP
hassl-4494	379	4	entrepreneurial	entrepreneurial	ADJ
hassl-4494	379	5	development	development	NOUN
hassl-4494	379	6	(	(	PUNCT
hassl-4494	379	7	tl4ed	tl4ed	NOUN
hassl-4494	379	8	)	)	PUNCT
hassl-4494	379	9	in	in	ADP
hassl-4494	379	10	the	the	DET
hassl-4494	379	11	knowledge	knowledge	NOUN
hassl-4494	379	12	economy	economy	NOUN
hassl-4494	379	13	(	(	PUNCT
hassl-4494	379	14	ke	ke	NOUN
hassl-4494	379	15	):	):	PUNCT
hassl-4494	379	16	case	case	NOUN
hassl-4494	379	17	studies	study	NOUN
hassl-4494	379	18	and	and	CCONJ
hassl-4494	379	19	lessons	lesson	NOUN
hassl-4494	379	20	learned	learn	VERB
hassl-4494	379	21	.	.	PUNCT
hassl-4494	380	1	technovation	technovation	NOUN
hassl-4494	380	2	,	,	PUNCT
hassl-4494	380	3	26(4	26(4	NUM
hassl-4494	380	4	)	)	PUNCT
hassl-4494	380	5	,	,	PUNCT
hassl-4494	380	6	419	419	NUM
hassl-4494	380	7	-	-	SYM
hassl-4494	380	8	443	443	NUM
hassl-4494	380	9	.	.	PUNCT
hassl-4494	381	1	https://doi.org/10.1016/j.technovation.2005.04.003	https://doi.org/10.1016/j.technovation.2005.04.003	ADJ
hassl-4494	381	2	https://doi.org/10.1057/ejis.2010.21	https://doi.org/10.1057/ejis.2010.21	PROPN
hassl-4494	381	3	https://doi.org/10.1016/s2212-5671(16)30100-9	https://doi.org/10.1016/s2212-5671(16)30100-9	NOUN
hassl-4494	381	4	https://doi.org/10.1080/23311975.2022.2115621	https://doi.org/10.1080/23311975.2022.2115621	PROPN
hassl-4494	381	5	https://doi.org/10.1093/restud/rdt046	https://doi.org/10.1093/restud/rdt046	VERB
hassl-4494	381	6	https://doi.org/10.1108/jqme-07-2017-0045	https://doi.org/10.1108/jqme-07-2017-0045	ADV
hassl-4494	381	7	https://doi.org/10.1111/j.1540-6261.2005.00727.x	https://doi.org/10.1111/j.1540-6261.2005.00727.x	ADP
hassl-4494	381	8	https://doi.org/10.35808/ersj/668	https://doi.org/10.35808/ersj/668	NOUN
hassl-4494	381	9	https://doi.org/10.1177/109467050024003	https://doi.org/10.1177/109467050024003	NOUN
hassl-4494	381	10	https://doi.org/10.1108/tqm-12-2019-0309	https://doi.org/10.1108/tqm-12-2019-0309	ADJ
hassl-4494	381	11	https://doi.org/10.1108/tqm-12-2019-0309	https://doi.org/10.1108/tqm-12-2019-0309	ADJ
hassl-4494	381	12	https://doi.org/10.1016/j.technovation.2005.04.003	https://doi.org/10.1016/j.technovation.2005.04.003	ADJ
hassl-4494	381	13	humanities	humanity	NOUN
hassl-4494	381	14	and	and	CCONJ
hassl-4494	381	15	social	social	ADJ
hassl-4494	381	16	sciences	science	NOUN
hassl-4494	381	17	letters	letter	NOUN
hassl-4494	381	18	,	,	PUNCT
hassl-4494	381	19	2025	2025	NUM
hassl-4494	381	20	,	,	PUNCT
hassl-4494	381	21	13(4	13(4	NUM
hassl-4494	381	22	):	):	PUNCT
hassl-4494	381	23	1287	1287	NUM
hassl-4494	381	24	-	-	SYM
hassl-4494	381	25	1303	1303	NUM
hassl-4494	381	26	1300	1300	NUM
hassl-4494	381	27	©	©	PROPN
hassl-4494	381	28	2025	2025	NUM
hassl-4494	381	29	conscientia	conscientia	PROPN
hassl-4494	381	30	beam	beam	PROPN
hassl-4494	381	31	.	.	PUNCT
hassl-4494	382	1	all	all	DET
hassl-4494	382	2	rights	right	NOUN
hassl-4494	382	3	reserved	reserve	VERB
hassl-4494	382	4	.	.	PUNCT
hassl-4494	383	1	carrión	carrión	PROPN
hassl-4494	383	2	,	,	PUNCT
hassl-4494	383	3	g.	g.	PROPN
hassl-4494	383	4	c.	c.	PROPN
hassl-4494	383	5	,	,	PUNCT
hassl-4494	383	6	nitzl	nitzl	NOUN
hassl-4494	383	7	,	,	PUNCT
hassl-4494	383	8	c.	c.	PROPN
hassl-4494	383	9	,	,	PUNCT
hassl-4494	383	10	&	&	CCONJ
hassl-4494	383	11	roldán	roldán	PROPN
hassl-4494	383	12	,	,	PUNCT
hassl-4494	383	13	j.	j.	PROPN
hassl-4494	383	14	l.	l.	PROPN
hassl-4494	383	15	(	(	PUNCT
hassl-4494	383	16	2017	2017	NUM
hassl-4494	383	17	)	)	PUNCT
hassl-4494	383	18	.	.	PUNCT
hassl-4494	384	1	mediation	mediation	NOUN
hassl-4494	384	2	analyses	analysis	NOUN
hassl-4494	384	3	in	in	ADP
hassl-4494	384	4	partial	partial	ADJ
hassl-4494	384	5	least	least	ADJ
hassl-4494	384	6	squares	square	NOUN
hassl-4494	384	7	structural	structural	ADJ
hassl-4494	384	8	equation	equation	NOUN
hassl-4494	384	9	modeling	modeling	NOUN
hassl-4494	384	10	:	:	PUNCT
hassl-4494	384	11	guidelines	guideline	NOUN
hassl-4494	384	12	and	and	CCONJ
hassl-4494	384	13	empirical	empirical	ADJ
hassl-4494	384	14	examples	example	NOUN
hassl-4494	384	15	.	.	PUNCT
hassl-4494	385	1	in	in	ADP
hassl-4494	385	2	h.	h.	PROPN
hassl-4494	385	3	latan	latan	PROPN
hassl-4494	385	4	&	&	CCONJ
hassl-4494	385	5	r.	r.	PROPN
hassl-4494	385	6	noonan	noonan	PROPN
hassl-4494	385	7	(	(	PUNCT
hassl-4494	385	8	eds	eds	PROPN
hassl-4494	385	9	.	.	PUNCT
hassl-4494	385	10	)	)	PUNCT
hassl-4494	385	11	,	,	PUNCT
hassl-4494	385	12	partial	partial	ADJ
hassl-4494	385	13	least	least	ADJ
hassl-4494	385	14	squares	square	NOUN
hassl-4494	385	15	path	path	NOUN
hassl-4494	385	16	modeling	modeling	NOUN
hassl-4494	385	17	:	:	PUNCT
hassl-4494	385	18	basic	basic	ADJ
hassl-4494	385	19	concepts	concept	NOUN
hassl-4494	385	20	,	,	PUNCT
hassl-4494	385	21	methodological	methodological	ADJ
hassl-4494	385	22	issues	issue	NOUN
hassl-4494	385	23	and	and	CCONJ
hassl-4494	385	24	applications	application	NOUN
hassl-4494	385	25	(	(	PUNCT
hassl-4494	385	26	pp	pp	ADJ
hassl-4494	385	27	.	.	PUNCT
hassl-4494	386	1	173–195	173–195	NUM
hassl-4494	386	2	)	)	PUNCT
hassl-4494	386	3	.	.	PUNCT
hassl-4494	387	1	cham	cham	PROPN
hassl-4494	387	2	:	:	PUNCT
hassl-4494	387	3	springer	springer	NOUN
hassl-4494	387	4	.	.	PUNCT
hassl-4494	388	1	chandler	chandler	PROPN
hassl-4494	388	2	,	,	PUNCT
hassl-4494	388	3	a.	a.	PROPN
hassl-4494	388	4	d.	d.	PROPN
hassl-4494	388	5	(	(	PUNCT
hassl-4494	388	6	1962	1962	NUM
hassl-4494	388	7	)	)	PUNCT
hassl-4494	388	8	.	.	PUNCT
hassl-4494	389	1	strategy	strategy	NOUN
hassl-4494	389	2	and	and	CCONJ
hassl-4494	389	3	structure	structure	NOUN
hassl-4494	389	4	:	:	PUNCT
hassl-4494	389	5	chapters	chapter	NOUN
hassl-4494	389	6	in	in	ADP
hassl-4494	389	7	the	the	DET
hassl-4494	389	8	history	history	NOUN
hassl-4494	389	9	of	of	ADP
hassl-4494	389	10	the	the	DET
hassl-4494	389	11	industrial	industrial	ADJ
hassl-4494	389	12	enterprise	enterprise	NOUN
hassl-4494	389	13	.	.	PUNCT
hassl-4494	390	1	cambridge	cambridge	PROPN
hassl-4494	390	2	,	,	PUNCT
hassl-4494	390	3	ma	ma	PROPN
hassl-4494	390	4	:	:	PUNCT
hassl-4494	390	5	mit	mit	PROPN
hassl-4494	390	6	press	press	NOUN
hassl-4494	390	7	.	.	PUNCT
hassl-4494	391	1	charfeddine	charfeddine	PROPN
hassl-4494	391	2	,	,	PUNCT
hassl-4494	391	3	l.	l.	PROPN
hassl-4494	391	4	,	,	PUNCT
hassl-4494	391	5	umlai	umlai	PROPN
hassl-4494	391	6	,	,	PUNCT
hassl-4494	391	7	m.	m.	NOUN
hassl-4494	391	8	i.	i.	PROPN
hassl-4494	391	9	,	,	PUNCT
hassl-4494	391	10	&	&	CCONJ
hassl-4494	391	11	el	el	PROPN
hassl-4494	391	12	-	-	PROPN
hassl-4494	391	13	masri	masri	PROPN
hassl-4494	391	14	,	,	PUNCT
hassl-4494	391	15	m.	m.	NOUN
hassl-4494	391	16	(	(	PUNCT
hassl-4494	391	17	2024	2024	NUM
hassl-4494	391	18	)	)	PUNCT
hassl-4494	391	19	.	.	PUNCT
hassl-4494	392	1	impact	impact	NOUN
hassl-4494	392	2	of	of	ADP
hassl-4494	392	3	financial	financial	ADJ
hassl-4494	392	4	literacy	literacy	NOUN
hassl-4494	392	5	,	,	PUNCT
hassl-4494	392	6	perceived	perceive	VERB
hassl-4494	392	7	access	access	NOUN
hassl-4494	392	8	to	to	ADP
hassl-4494	392	9	finance	finance	NOUN
hassl-4494	392	10	,	,	PUNCT
hassl-4494	392	11	ict	ict	NOUN
hassl-4494	392	12	use	use	NOUN
hassl-4494	392	13	,	,	PUNCT
hassl-4494	392	14	and	and	CCONJ
hassl-4494	392	15	digitization	digitization	NOUN
hassl-4494	392	16	on	on	ADP
hassl-4494	392	17	credit	credit	NOUN
hassl-4494	392	18	constraints	constraint	NOUN
hassl-4494	392	19	:	:	PUNCT
hassl-4494	392	20	evidence	evidence	NOUN
hassl-4494	392	21	from	from	ADP
hassl-4494	392	22	qatari	qatari	ADJ
hassl-4494	392	23	msme	msme	NOUN
hassl-4494	392	24	importers	importer	NOUN
hassl-4494	392	25	.	.	PUNCT
hassl-4494	393	1	financial	financial	ADJ
hassl-4494	393	2	innovation	innovation	NOUN
hassl-4494	393	3	,	,	PUNCT
hassl-4494	393	4	10(1	10(1	NUM
hassl-4494	393	5	)	)	PUNCT
hassl-4494	393	6	,	,	PUNCT
hassl-4494	393	7	15	15	NUM
hassl-4494	393	8	.	.	PUNCT
hassl-4494	394	1	https://doi.org/10.1186/s40854-023-00557-4	https://doi.org/10.1186/s40854-023-00557-4	PROPN
hassl-4494	394	2	coco	coco	PROPN
hassl-4494	394	3	,	,	PUNCT
hassl-4494	394	4	n.	n.	PROPN
hassl-4494	394	5	,	,	PUNCT
hassl-4494	394	6	colapinto	colapinto	PROPN
hassl-4494	394	7	,	,	PUNCT
hassl-4494	394	8	c.	c.	PROPN
hassl-4494	394	9	,	,	PUNCT
hassl-4494	394	10	&	&	CCONJ
hassl-4494	394	11	finotto	finotto	PROPN
hassl-4494	394	12	,	,	PUNCT
hassl-4494	394	13	v.	v.	PROPN
hassl-4494	394	14	(	(	PUNCT
hassl-4494	394	15	2024	2024	NUM
hassl-4494	394	16	)	)	PUNCT
hassl-4494	394	17	.	.	PUNCT
hassl-4494	395	1	fostering	foster	VERB
hassl-4494	395	2	digital	digital	ADJ
hassl-4494	395	3	literacy	literacy	NOUN
hassl-4494	395	4	among	among	ADP
hassl-4494	395	5	small	small	ADJ
hassl-4494	395	6	and	and	CCONJ
hassl-4494	395	7	micro‐enterprises	micro‐enterprise	NOUN
hassl-4494	395	8	:	:	PUNCT
hassl-4494	395	9	digital	digital	ADJ
hassl-4494	395	10	transformation	transformation	NOUN
hassl-4494	395	11	as	as	ADP
hassl-4494	395	12	an	an	DET
hassl-4494	395	13	open	open	ADJ
hassl-4494	395	14	and	and	CCONJ
hassl-4494	395	15	guided	guide	VERB
hassl-4494	395	16	innovation	innovation	NOUN
hassl-4494	395	17	process	process	NOUN
hassl-4494	395	18	.	.	PUNCT
hassl-4494	396	1	r&d	r&d	NOUN
hassl-4494	396	2	management	management	NOUN
hassl-4494	396	3	,	,	PUNCT
hassl-4494	396	4	54(1	54(1	NUM
hassl-4494	396	5	)	)	PUNCT
hassl-4494	396	6	,	,	PUNCT
hassl-4494	396	7	118	118	NUM
hassl-4494	396	8	-	-	SYM
hassl-4494	396	9	136	136	NUM
hassl-4494	396	10	.	.	PUNCT
hassl-4494	397	1	https://doi.org/10.1111/radm.12645	https://doi.org/10.1111/radm.12645	PROPN
hassl-4494	397	2	courchane	courchane	NOUN
hassl-4494	397	3	,	,	PUNCT
hassl-4494	397	4	m.	m.	NOUN
hassl-4494	397	5	,	,	PUNCT
hassl-4494	397	6	gailey	gailey	PROPN
hassl-4494	397	7	,	,	PUNCT
hassl-4494	397	8	a.	a.	PROPN
hassl-4494	397	9	,	,	PUNCT
hassl-4494	397	10	&	&	CCONJ
hassl-4494	397	11	zorn	zorn	PROPN
hassl-4494	397	12	,	,	PUNCT
hassl-4494	397	13	p.	p.	NOUN
hassl-4494	397	14	(	(	PUNCT
hassl-4494	397	15	2008	2008	NUM
hassl-4494	397	16	)	)	PUNCT
hassl-4494	397	17	.	.	PUNCT
hassl-4494	398	1	consumer	consumer	NOUN
hassl-4494	398	2	credit	credit	NOUN
hassl-4494	398	3	literacy	literacy	NOUN
hassl-4494	398	4	:	:	PUNCT
hassl-4494	398	5	what	what	DET
hassl-4494	398	6	price	price	NOUN
hassl-4494	398	7	perception	perception	NOUN
hassl-4494	398	8	?	?	PUNCT
hassl-4494	399	1	journal	journal	NOUN
hassl-4494	399	2	of	of	ADP
hassl-4494	399	3	economics	economic	NOUN
hassl-4494	399	4	and	and	CCONJ
hassl-4494	399	5	business	business	NOUN
hassl-4494	399	6	,	,	PUNCT
hassl-4494	399	7	60(1	60(1	NUM
hassl-4494	399	8	-	-	SYM
hassl-4494	399	9	2	2	NUM
hassl-4494	399	10	)	)	PUNCT
hassl-4494	399	11	,	,	PUNCT
hassl-4494	399	12	125	125	NUM
hassl-4494	399	13	-	-	SYM
hassl-4494	399	14	138	138	NUM
hassl-4494	399	15	.	.	PUNCT
hassl-4494	400	1	https://doi.org/10.1016/j.jeconbus.2007.08.003	https://doi.org/10.1016/j.jeconbus.2007.08.003	PROPN
hassl-4494	400	2	datta	datta	PROPN
hassl-4494	400	3	,	,	PUNCT
hassl-4494	400	4	y.	y.	PROPN
hassl-4494	400	5	(	(	PUNCT
hassl-4494	400	6	2021	2021	NUM
hassl-4494	400	7	)	)	PUNCT
hassl-4494	400	8	.	.	PUNCT
hassl-4494	401	1	friedman	friedman	PROPN
hassl-4494	401	2	doctrine	doctrine	PROPN
hassl-4494	401	3	:	:	PUNCT
hassl-4494	401	4	maximizing	maximize	VERB
hassl-4494	401	5	profits	profit	NOUN
hassl-4494	401	6	is	be	AUX
hassl-4494	401	7	neither	neither	CCONJ
hassl-4494	401	8	good	good	ADJ
hassl-4494	401	9	for	for	ADP
hassl-4494	401	10	society	society	NOUN
hassl-4494	401	11	nor	nor	CCONJ
hassl-4494	401	12	even	even	ADV
hassl-4494	401	13	for	for	ADP
hassl-4494	401	14	the	the	DET
hassl-4494	401	15	shareholders	shareholder	NOUN
hassl-4494	401	16	.	.	PUNCT
hassl-4494	402	1	journal	journal	PROPN
hassl-4494	402	2	of	of	ADP
hassl-4494	402	3	economics	economic	NOUN
hassl-4494	402	4	and	and	CCONJ
hassl-4494	402	5	public	public	ADJ
hassl-4494	402	6	finance	finance	NOUN
hassl-4494	402	7	,	,	PUNCT
hassl-4494	402	8	7(3	7(3	NUM
hassl-4494	402	9	)	)	PUNCT
hassl-4494	402	10	,	,	PUNCT
hassl-4494	402	11	153	153	NUM
hassl-4494	402	12	-	-	SYM
hassl-4494	402	13	191	191	NUM
hassl-4494	402	14	.	.	PUNCT
hassl-4494	403	1	https://doi.org/10.22158/jepf.v7n3p153	https://doi.org/10.22158/jepf.v7n3p153	PROPN
hassl-4494	403	2	davis	davis	PROPN
hassl-4494	403	3	,	,	PUNCT
hassl-4494	403	4	f.	f.	PROPN
hassl-4494	403	5	d.	d.	PROPN
hassl-4494	403	6	(	(	PUNCT
hassl-4494	403	7	1989	1989	NUM
hassl-4494	403	8	)	)	PUNCT
hassl-4494	403	9	.	.	PUNCT
hassl-4494	404	1	perceived	perceive	VERB
hassl-4494	404	2	usefulness	usefulness	NOUN
hassl-4494	404	3	,	,	PUNCT
hassl-4494	404	4	perceived	perceive	VERB
hassl-4494	404	5	ease	ease	NOUN
hassl-4494	404	6	of	of	ADP
hassl-4494	404	7	use	use	NOUN
hassl-4494	404	8	,	,	PUNCT
hassl-4494	404	9	and	and	CCONJ
hassl-4494	404	10	user	user	NOUN
hassl-4494	404	11	acceptance	acceptance	NOUN
hassl-4494	404	12	of	of	ADP
hassl-4494	404	13	information	information	NOUN
hassl-4494	404	14	technology	technology	NOUN
hassl-4494	404	15	.	.	PUNCT
hassl-4494	405	1	mis	mis	PROPN
hassl-4494	405	2	quarterly	quarterly	PROPN
hassl-4494	405	3	,	,	PUNCT
hassl-4494	405	4	13(3	13(3	NUM
hassl-4494	405	5	)	)	PUNCT
hassl-4494	405	6	,	,	PUNCT
hassl-4494	405	7	319–340	319–340	NUM
hassl-4494	405	8	.	.	PUNCT
hassl-4494	406	1	https://doi.org/10.2307/249008	https://doi.org/10.2307/249008	NOUN
hassl-4494	406	2	drucker	drucker	NOUN
hassl-4494	406	3	,	,	PUNCT
hassl-4494	406	4	p.	p.	PROPN
hassl-4494	406	5	f.	f.	PROPN
hassl-4494	406	6	,	,	PUNCT
hassl-4494	406	7	&	&	CCONJ
hassl-4494	406	8	sloan	sloan	PROPN
hassl-4494	406	9	,	,	PUNCT
hassl-4494	406	10	a.	a.	NOUN
hassl-4494	406	11	(	(	PUNCT
hassl-4494	406	12	1994	1994	NUM
hassl-4494	406	13	)	)	PUNCT
hassl-4494	406	14	.	.	PUNCT
hassl-4494	407	1	critical	critical	ADJ
hassl-4494	407	2	evaluations	evaluation	NOUN
hassl-4494	407	3	in	in	ADP
hassl-4494	407	4	business	business	NOUN
hassl-4494	407	5	.	.	PUNCT
hassl-4494	408	1	new	new	PROPN
hassl-4494	408	2	york	york	PROPN
hassl-4494	408	3	:	:	PUNCT
hassl-4494	409	1	routledge	routledge	PROPN
hassl-4494	409	2	.	.	PUNCT
hassl-4494	410	1	ellitan	ellitan	PROPN
hassl-4494	410	2	,	,	PUNCT
hassl-4494	410	3	l.	l.	PROPN
hassl-4494	410	4	(	(	PUNCT
hassl-4494	410	5	2020	2020	NUM
hassl-4494	410	6	)	)	PUNCT
hassl-4494	410	7	.	.	PUNCT
hassl-4494	411	1	competing	compete	VERB
hassl-4494	411	2	in	in	ADP
hassl-4494	411	3	the	the	DET
hassl-4494	411	4	era	era	NOUN
hassl-4494	411	5	of	of	ADP
hassl-4494	411	6	industrial	industrial	ADJ
hassl-4494	411	7	revolution	revolution	NOUN
hassl-4494	411	8	4.0	4.0	NUM
hassl-4494	411	9	and	and	CCONJ
hassl-4494	411	10	society	society	NOUN
hassl-4494	411	11	5.0	5.0	NUM
hassl-4494	411	12	.	.	PUNCT
hassl-4494	412	1	jurnal	jurnal	ADJ
hassl-4494	412	2	maksipreneur	maksipreneur	PROPN
hassl-4494	412	3	:	:	PUNCT
hassl-4494	412	4	manajemen	manajeman	NOUN
hassl-4494	412	5	,	,	PUNCT
hassl-4494	412	6	koperasi	koperasi	PROPN
hassl-4494	412	7	,	,	PUNCT
hassl-4494	412	8	dan	dan	PROPN
hassl-4494	412	9	entrepreneurship	entrepreneurship	NOUN
hassl-4494	412	10	,	,	PUNCT
hassl-4494	412	11	10(1	10(1	NUM
hassl-4494	412	12	)	)	PUNCT
hassl-4494	412	13	,	,	PUNCT
hassl-4494	412	14	1	1	NUM
hassl-4494	412	15	-	-	SYM
hassl-4494	412	16	12	12	NUM
hassl-4494	412	17	.	.	PUNCT
hassl-4494	413	1	https://doi.org/10.30588/jmp.v10i1.657	https://doi.org/10.30588/jmp.v10i1.657	DET
hassl-4494	413	2	fahmi	fahmi	PROPN
hassl-4494	413	3	,	,	PUNCT
hassl-4494	413	4	f.	f.	PROPN
hassl-4494	413	5	z.	z.	PROPN
hassl-4494	413	6	,	,	PUNCT
hassl-4494	413	7	&	&	CCONJ
hassl-4494	413	8	savira	savira	PROPN
hassl-4494	413	9	,	,	PUNCT
hassl-4494	413	10	m.	m.	NOUN
hassl-4494	413	11	(	(	PUNCT
hassl-4494	413	12	2023	2023	NUM
hassl-4494	413	13	)	)	PUNCT
hassl-4494	413	14	.	.	PUNCT
hassl-4494	414	1	digitalization	digitalization	NOUN
hassl-4494	414	2	and	and	CCONJ
hassl-4494	414	3	rural	rural	ADJ
hassl-4494	414	4	entrepreneurial	entrepreneurial	ADJ
hassl-4494	414	5	attitude	attitude	NOUN
hassl-4494	414	6	in	in	ADP
hassl-4494	414	7	indonesia	indonesia	PROPN
hassl-4494	414	8	:	:	PUNCT
hassl-4494	414	9	a	a	DET
hassl-4494	414	10	capability	capability	NOUN
hassl-4494	414	11	approach	approach	NOUN
hassl-4494	414	12	.	.	PUNCT
hassl-4494	415	1	journal	journal	NOUN
hassl-4494	415	2	of	of	ADP
hassl-4494	415	3	enterprising	enterprise	VERB
hassl-4494	415	4	communities	community	NOUN
hassl-4494	415	5	:	:	PUNCT
hassl-4494	415	6	people	people	NOUN
hassl-4494	415	7	and	and	CCONJ
hassl-4494	415	8	places	place	NOUN
hassl-4494	415	9	in	in	ADP
hassl-4494	415	10	the	the	DET
hassl-4494	415	11	global	global	ADJ
hassl-4494	415	12	economy	economy	NOUN
hassl-4494	415	13	,	,	PUNCT
hassl-4494	415	14	17(2	17(2	NUM
hassl-4494	415	15	)	)	PUNCT
hassl-4494	415	16	,	,	PUNCT
hassl-4494	415	17	454	454	NUM
hassl-4494	415	18	-	-	SYM
hassl-4494	415	19	478	478	NUM
hassl-4494	415	20	.	.	PUNCT
hassl-4494	416	1	https://doi.org/10.1108/jec-06-20210082	https://doi.org/10.1108/jec-06-20210082	DET
hassl-4494	416	2	friedman	friedman	PROPN
hassl-4494	416	3	,	,	PUNCT
hassl-4494	416	4	a.	a.	PROPN
hassl-4494	416	5	l.	l.	PROPN
hassl-4494	416	6	,	,	PUNCT
hassl-4494	416	7	miles	mile	NOUN
hassl-4494	416	8	,	,	PUNCT
hassl-4494	416	9	s.	s.	PROPN
hassl-4494	416	10	,	,	PUNCT
hassl-4494	416	11	&	&	CCONJ
hassl-4494	416	12	adams	adams	PROPN
hassl-4494	416	13	,	,	PUNCT
hassl-4494	416	14	c.	c.	PROPN
hassl-4494	416	15	(	(	PUNCT
hassl-4494	416	16	2000	2000	NUM
hassl-4494	416	17	)	)	PUNCT
hassl-4494	416	18	.	.	PUNCT
hassl-4494	417	1	small	small	ADJ
hassl-4494	417	2	and	and	CCONJ
hassl-4494	417	3	medium‐sized	medium‐size	VERB
hassl-4494	417	4	enterprises	enterprise	NOUN
hassl-4494	417	5	and	and	CCONJ
hassl-4494	417	6	the	the	DET
hassl-4494	417	7	environment	environment	NOUN
hassl-4494	417	8	:	:	PUNCT
hassl-4494	417	9	evaluation	evaluation	NOUN
hassl-4494	417	10	of	of	ADP
hassl-4494	417	11	a	a	DET
hassl-4494	417	12	specific	specific	ADJ
hassl-4494	417	13	initiative	initiative	NOUN
hassl-4494	417	14	aimed	aim	VERB
hassl-4494	417	15	at	at	ADP
hassl-4494	417	16	all	all	ADV
hassl-4494	417	17	small	small	ADJ
hassl-4494	417	18	and	and	CCONJ
hassl-4494	417	19	medium‐sized	medium‐size	VERB
hassl-4494	417	20	enterprises	enterprise	NOUN
hassl-4494	417	21	.	.	PUNCT
hassl-4494	418	1	journal	journal	NOUN
hassl-4494	418	2	of	of	ADP
hassl-4494	418	3	small	small	ADJ
hassl-4494	418	4	business	business	NOUN
hassl-4494	418	5	and	and	CCONJ
hassl-4494	418	6	enterprise	enterprise	NOUN
hassl-4494	418	7	development	development	NOUN
hassl-4494	418	8	,	,	PUNCT
hassl-4494	418	9	7(4	7(4	NUM
hassl-4494	418	10	)	)	PUNCT
hassl-4494	418	11	,	,	PUNCT
hassl-4494	418	12	325342	325342	NUM
hassl-4494	418	13	.	.	PUNCT
hassl-4494	419	1	https://doi.org/10.1108/eum0000000006849	https://doi.org/10.1108/eum0000000006849	PROPN
hassl-4494	419	2	frimpong	frimpong	PROPN
hassl-4494	419	3	,	,	PUNCT
hassl-4494	419	4	s.	s.	PROPN
hassl-4494	419	5	e.	e.	PROPN
hassl-4494	419	6	,	,	PUNCT
hassl-4494	419	7	agyapong	agyapong	PROPN
hassl-4494	419	8	,	,	PUNCT
hassl-4494	419	9	g.	g.	PROPN
hassl-4494	419	10	,	,	PUNCT
hassl-4494	419	11	&	&	CCONJ
hassl-4494	419	12	agyapong	agyapong	PROPN
hassl-4494	419	13	,	,	PUNCT
hassl-4494	419	14	d.	d.	PROPN
hassl-4494	419	15	(	(	PUNCT
hassl-4494	419	16	2022	2022	NUM
hassl-4494	419	17	)	)	PUNCT
hassl-4494	419	18	.	.	PUNCT
hassl-4494	420	1	financial	financial	ADJ
hassl-4494	420	2	literacy	literacy	NOUN
hassl-4494	420	3	,	,	PUNCT
hassl-4494	420	4	access	access	NOUN
hassl-4494	420	5	to	to	ADP
hassl-4494	420	6	digital	digital	ADJ
hassl-4494	420	7	finance	finance	NOUN
hassl-4494	420	8	and	and	CCONJ
hassl-4494	420	9	performance	performance	NOUN
hassl-4494	420	10	of	of	ADP
hassl-4494	420	11	smes	sme	NOUN
hassl-4494	420	12	:	:	PUNCT
hassl-4494	420	13	evidence	evidence	NOUN
hassl-4494	420	14	from	from	ADP
hassl-4494	420	15	central	central	ADJ
hassl-4494	420	16	region	region	NOUN
hassl-4494	420	17	of	of	ADP
hassl-4494	420	18	ghana	ghana	PROPN
hassl-4494	420	19	.	.	PUNCT
hassl-4494	421	1	cogent	cogent	NOUN
hassl-4494	421	2	economics	economics	PROPN
hassl-4494	421	3	&	&	CCONJ
hassl-4494	421	4	finance	finance	PROPN
hassl-4494	421	5	,	,	PUNCT
hassl-4494	421	6	10(1	10(1	NUM
hassl-4494	421	7	)	)	PUNCT
hassl-4494	421	8	,	,	PUNCT
hassl-4494	421	9	2121356	2121356	NUM
hassl-4494	421	10	.	.	PUNCT
hassl-4494	422	1	https://doi.org/10.1080/23322039.2022.2121356	https://doi.org/10.1080/23322039.2022.2121356	NOUN
hassl-4494	422	2	gäde	gäde	PROPN
hassl-4494	422	3	,	,	PUNCT
hassl-4494	422	4	j.	j.	PROPN
hassl-4494	422	5	c.	c.	PROPN
hassl-4494	422	6	,	,	PUNCT
hassl-4494	422	7	&	&	CCONJ
hassl-4494	422	8	schermelleh	schermelleh	PROPN
hassl-4494	422	9	-	-	PUNCT
hassl-4494	422	10	engel	engel	PROPN
hassl-4494	422	11	,	,	PUNCT
hassl-4494	422	12	k.	k.	PROPN
hassl-4494	422	13	(	(	PUNCT
hassl-4494	422	14	2023	2023	NUM
hassl-4494	422	15	)	)	PUNCT
hassl-4494	422	16	.	.	PUNCT
hassl-4494	423	1	strukturgleichungsmodelle	strukturgleichungsmodelle	PROPN
hassl-4494	423	2	.	.	PUNCT
hassl-4494	424	1	in	in	ADP
hassl-4494	424	2	forschungsmethoden	forschungsmethoden	ADJ
hassl-4494	424	3	und	und	ADJ
hassl-4494	424	4	evaluation	evaluation	NOUN
hassl-4494	424	5	in	in	ADP
hassl-4494	424	6	den	den	NOUN
hassl-4494	424	7	sozial	sozial	ADJ
hassl-4494	424	8	-	-	PUNCT
hassl-4494	424	9	und	und	NOUN
hassl-4494	424	10	humanwissenschaften	humanwissenschaften	VERB
hassl-4494	424	11	(	(	PUNCT
hassl-4494	424	12	pp	pp	ADJ
hassl-4494	424	13	.	.	PUNCT
hassl-4494	424	14	923	923	NUM
hassl-4494	424	15	-	-	NUM
hassl-4494	424	16	950	950	NUM
hassl-4494	424	17	)	)	PUNCT
hassl-4494	424	18	.	.	PUNCT
hassl-4494	425	1	berlin	berlin	PROPN
hassl-4494	425	2	,	,	PUNCT
hassl-4494	425	3	heidelberg	heidelberg	PROPN
hassl-4494	425	4	:	:	PUNCT
hassl-4494	425	5	springer	springer	NOUN
hassl-4494	425	6	.	.	PUNCT
hassl-4494	426	1	gautam	gautam	PROPN
hassl-4494	426	2	,	,	PUNCT
hassl-4494	426	3	r.	r.	PROPN
hassl-4494	426	4	s.	s.	PROPN
hassl-4494	426	5	,	,	PUNCT
hassl-4494	426	6	rastogi	rastogi	PROPN
hassl-4494	426	7	,	,	PUNCT
hassl-4494	426	8	s.	s.	PROPN
hassl-4494	426	9	,	,	PUNCT
hassl-4494	426	10	rawal	rawal	PROPN
hassl-4494	426	11	,	,	PUNCT
hassl-4494	426	12	a.	a.	NOUN
hassl-4494	426	13	,	,	PUNCT
hassl-4494	426	14	bhimavarapu	bhimavarapu	PROPN
hassl-4494	426	15	,	,	PUNCT
hassl-4494	426	16	v.	v.	ADP
hassl-4494	426	17	m.	m.	NOUN
hassl-4494	426	18	,	,	PUNCT
hassl-4494	426	19	kanoujiya	kanoujiya	PROPN
hassl-4494	426	20	,	,	PUNCT
hassl-4494	426	21	j.	j.	PROPN
hassl-4494	426	22	,	,	PUNCT
hassl-4494	426	23	&	&	CCONJ
hassl-4494	426	24	rastogi	rastogi	PROPN
hassl-4494	426	25	,	,	PUNCT
hassl-4494	426	26	s.	s.	PROPN
hassl-4494	426	27	(	(	PUNCT
hassl-4494	426	28	2022	2022	NUM
hassl-4494	426	29	)	)	PUNCT
hassl-4494	426	30	.	.	PUNCT
hassl-4494	427	1	financial	financial	ADJ
hassl-4494	427	2	technology	technology	NOUN
hassl-4494	427	3	and	and	CCONJ
hassl-4494	427	4	its	its	PRON
hassl-4494	427	5	impact	impact	NOUN
hassl-4494	427	6	on	on	ADP
hassl-4494	427	7	digital	digital	ADJ
hassl-4494	427	8	literacy	literacy	NOUN
hassl-4494	427	9	in	in	ADP
hassl-4494	427	10	india	india	PROPN
hassl-4494	427	11	:	:	PUNCT
hassl-4494	427	12	using	use	VERB
hassl-4494	427	13	poverty	poverty	NOUN
hassl-4494	427	14	as	as	ADP
hassl-4494	427	15	a	a	DET
hassl-4494	427	16	moderating	moderate	VERB
hassl-4494	427	17	variable	variable	NOUN
hassl-4494	427	18	.	.	PUNCT
hassl-4494	428	1	journal	journal	NOUN
hassl-4494	428	2	of	of	ADP
hassl-4494	428	3	risk	risk	NOUN
hassl-4494	428	4	and	and	CCONJ
hassl-4494	428	5	financial	financial	ADJ
hassl-4494	428	6	management	management	NOUN
hassl-4494	428	7	,	,	PUNCT
hassl-4494	428	8	15(7	15(7	NUM
hassl-4494	428	9	)	)	PUNCT
hassl-4494	428	10	,	,	PUNCT
hassl-4494	428	11	311	311	NUM
hassl-4494	428	12	.	.	PUNCT
hassl-4494	429	1	https://doi.org/10.3390/jrfm15070311	https://doi.org/10.3390/jrfm15070311	PROPN
hassl-4494	429	2	ghosh	ghosh	PROPN
hassl-4494	429	3	,	,	PUNCT
hassl-4494	429	4	s.	s.	PROPN
hassl-4494	429	5	,	,	PUNCT
hassl-4494	429	6	&	&	CCONJ
hassl-4494	429	7	das	das	PROPN
hassl-4494	429	8	,	,	PUNCT
hassl-4494	429	9	a.	a.	NOUN
hassl-4494	429	10	(	(	PUNCT
hassl-4494	429	11	2021	2021	NUM
hassl-4494	429	12	)	)	PUNCT
hassl-4494	429	13	.	.	PUNCT
hassl-4494	430	1	the	the	DET
hassl-4494	430	2	role	role	NOUN
hassl-4494	430	3	of	of	ADP
hassl-4494	430	4	digital	digital	ADJ
hassl-4494	430	5	skills	skill	NOUN
hassl-4494	430	6	in	in	ADP
hassl-4494	430	7	enhancing	enhance	VERB
hassl-4494	430	8	credit	credit	NOUN
hassl-4494	430	9	access	access	NOUN
hassl-4494	430	10	and	and	CCONJ
hassl-4494	430	11	management	management	NOUN
hassl-4494	430	12	for	for	ADP
hassl-4494	430	13	msmes	msme	NOUN
hassl-4494	430	14	.	.	PUNCT
hassl-4494	431	1	international	international	ADJ
hassl-4494	431	2	journal	journal	PROPN
hassl-4494	431	3	of	of	ADP
hassl-4494	431	4	financial	financial	ADJ
hassl-4494	431	5	studies	study	NOUN
hassl-4494	431	6	,	,	PUNCT
hassl-4494	431	7	9(2	9(2	NUM
hassl-4494	431	8	)	)	PUNCT
hassl-4494	431	9	,	,	PUNCT
hassl-4494	431	10	34	34	NUM
hassl-4494	431	11	-	-	SYM
hassl-4494	431	12	47	47	NUM
hassl-4494	431	13	.	.	PUNCT
hassl-4494	432	1	gichuki	gichuki	NOUN
hassl-4494	432	2	,	,	PUNCT
hassl-4494	432	3	c.	c.	PROPN
hassl-4494	432	4	k.	k.	PROPN
hassl-4494	432	5	,	,	PUNCT
hassl-4494	432	6	&	&	CCONJ
hassl-4494	432	7	mungai	mungai	PROPN
hassl-4494	432	8	,	,	PUNCT
hassl-4494	432	9	j.	j.	PROPN
hassl-4494	432	10	n.	n.	PROPN
hassl-4494	432	11	(	(	PUNCT
hassl-4494	432	12	2019	2019	NUM
hassl-4494	432	13	)	)	PUNCT
hassl-4494	432	14	.	.	PUNCT
hassl-4494	433	1	digital	digital	ADJ
hassl-4494	433	2	literacy	literacy	NOUN
hassl-4494	433	3	and	and	CCONJ
hassl-4494	433	4	access	access	NOUN
hassl-4494	433	5	to	to	ADP
hassl-4494	433	6	credit	credit	NOUN
hassl-4494	433	7	facilities	facility	NOUN
hassl-4494	433	8	in	in	ADP
hassl-4494	433	9	promoting	promote	VERB
hassl-4494	433	10	msme	msme	NOUN
hassl-4494	433	11	growth	growth	NOUN
hassl-4494	433	12	in	in	ADP
hassl-4494	433	13	kenya	kenya	PROPN
hassl-4494	433	14	.	.	PUNCT
hassl-4494	434	1	international	international	ADJ
hassl-4494	434	2	journal	journal	PROPN
hassl-4494	434	3	of	of	ADP
hassl-4494	434	4	small	small	ADJ
hassl-4494	434	5	business	business	NOUN
hassl-4494	434	6	and	and	CCONJ
hassl-4494	434	7	entrepreneurship	entrepreneurship	NOUN
hassl-4494	434	8	research	research	NOUN
hassl-4494	434	9	,	,	PUNCT
hassl-4494	434	10	7(3	7(3	NUM
hassl-4494	434	11	)	)	PUNCT
hassl-4494	434	12	,	,	PUNCT
hassl-4494	434	13	45	45	NUM
hassl-4494	434	14	-	-	SYM
hassl-4494	434	15	59	59	NUM
hassl-4494	434	16	.	.	PUNCT
hassl-4494	435	1	granovetter	granovetter	NOUN
hassl-4494	435	2	,	,	PUNCT
hassl-4494	435	3	m.	m.	NOUN
hassl-4494	435	4	s.	s.	PROPN
hassl-4494	435	5	(	(	PUNCT
hassl-4494	435	6	1973	1973	NUM
hassl-4494	435	7	)	)	PUNCT
hassl-4494	435	8	.	.	PUNCT
hassl-4494	436	1	the	the	DET
hassl-4494	436	2	strength	strength	NOUN
hassl-4494	436	3	of	of	ADP
hassl-4494	436	4	weak	weak	ADJ
hassl-4494	436	5	ties	tie	NOUN
hassl-4494	436	6	.	.	PUNCT
hassl-4494	437	1	american	american	ADJ
hassl-4494	437	2	journal	journal	PROPN
hassl-4494	437	3	of	of	ADP
hassl-4494	437	4	sociology	sociology	NOUN
hassl-4494	437	5	,	,	PUNCT
hassl-4494	437	6	78(6	78(6	PROPN
hassl-4494	437	7	)	)	PUNCT
hassl-4494	437	8	,	,	PUNCT
hassl-4494	437	9	1360	1360	NUM
hassl-4494	437	10	-	-	SYM
hassl-4494	437	11	1380	1380	NUM
hassl-4494	437	12	.	.	PUNCT
hassl-4494	438	1	https://doi.org/10.1086/225469	https://doi.org/10.1086/225469	X
hassl-4494	438	2	hair	hair	NOUN
hassl-4494	438	3	,	,	PUNCT
hassl-4494	438	4	j.	j.	PROPN
hassl-4494	438	5	f.	f.	PROPN
hassl-4494	438	6	j.	j.	PROPN
hassl-4494	438	7	,	,	PUNCT
hassl-4494	438	8	william	william	PROPN
hassl-4494	438	9	,	,	PUNCT
hassl-4494	438	10	c.	c.	PROPN
hassl-4494	438	11	b.	b.	PROPN
hassl-4494	438	12	,	,	PUNCT
hassl-4494	438	13	babin	babin	PROPN
hassl-4494	438	14	,	,	PUNCT
hassl-4494	438	15	b.	b.	PROPN
hassl-4494	438	16	j.	j.	PROPN
hassl-4494	438	17	,	,	PUNCT
hassl-4494	438	18	&	&	CCONJ
hassl-4494	438	19	anderson	anderson	PROPN
hassl-4494	438	20	,	,	PUNCT
hassl-4494	438	21	r.	r.	PROPN
hassl-4494	438	22	e.	e.	PROPN
hassl-4494	438	23	(	(	PUNCT
hassl-4494	438	24	2006	2006	NUM
hassl-4494	438	25	)	)	PUNCT
hassl-4494	438	26	.	.	PUNCT
hassl-4494	439	1	multivariate	multivariate	NOUN
hassl-4494	439	2	data	datum	NOUN
hassl-4494	439	3	analysis	analysis	NOUN
hassl-4494	439	4	(	(	PUNCT
hassl-4494	439	5	7th	7th	ADJ
hassl-4494	439	6	ed	ed	NOUN
hassl-4494	439	7	.	.	PUNCT
hassl-4494	439	8	)	)	PUNCT
hassl-4494	439	9	.	.	PUNCT
hassl-4494	440	1	upper	upper	ADJ
hassl-4494	440	2	saddle	saddle	PROPN
hassl-4494	440	3	river	river	PROPN
hassl-4494	440	4	,	,	PUNCT
hassl-4494	440	5	nj	nj	PROPN
hassl-4494	440	6	:	:	PUNCT
hassl-4494	440	7	prentice	prentice	PROPN
hassl-4494	440	8	hall	hall	PROPN
hassl-4494	440	9	.	.	PUNCT
hassl-4494	441	1	hair	hair	PROPN
hassl-4494	441	2	jr	jr	PROPN
hassl-4494	441	3	,	,	PUNCT
hassl-4494	441	4	j.	j.	PROPN
hassl-4494	441	5	f.	f.	PROPN
hassl-4494	441	6	,	,	PUNCT
hassl-4494	441	7	babin	babin	PROPN
hassl-4494	441	8	,	,	PUNCT
hassl-4494	441	9	b.	b.	PROPN
hassl-4494	441	10	j.	j.	PROPN
hassl-4494	441	11	,	,	PUNCT
hassl-4494	441	12	&	&	CCONJ
hassl-4494	441	13	krey	krey	PROPN
hassl-4494	441	14	,	,	PUNCT
hassl-4494	441	15	n.	n.	NOUN
hassl-4494	441	16	(	(	PUNCT
hassl-4494	441	17	2017	2017	NUM
hassl-4494	441	18	)	)	PUNCT
hassl-4494	441	19	.	.	PUNCT
hassl-4494	442	1	covariance	covariance	NOUN
hassl-4494	442	2	-	-	PUNCT
hassl-4494	442	3	based	base	VERB
hassl-4494	442	4	structural	structural	ADJ
hassl-4494	442	5	equation	equation	NOUN
hassl-4494	442	6	modeling	modeling	NOUN
hassl-4494	442	7	in	in	ADP
hassl-4494	442	8	the	the	DET
hassl-4494	442	9	journal	journal	NOUN
hassl-4494	442	10	of	of	ADP
hassl-4494	442	11	advertising	advertising	NOUN
hassl-4494	442	12	:	:	PUNCT
hassl-4494	442	13	review	review	NOUN
hassl-4494	442	14	and	and	CCONJ
hassl-4494	442	15	recommendations	recommendation	NOUN
hassl-4494	442	16	.	.	PUNCT
hassl-4494	443	1	journal	journal	NOUN
hassl-4494	443	2	of	of	ADP
hassl-4494	443	3	advertising	advertising	PROPN
hassl-4494	443	4	,	,	PUNCT
hassl-4494	443	5	46(1	46(1	PROPN
hassl-4494	443	6	)	)	PUNCT
hassl-4494	443	7	,	,	PUNCT
hassl-4494	443	8	163	163	NUM
hassl-4494	443	9	-	-	SYM
hassl-4494	443	10	177	177	NUM
hassl-4494	443	11	.	.	PUNCT
hassl-4494	444	1	https://doi.org/10.1080/00913367.2017.1281777	https://doi.org/10.1080/00913367.2017.1281777	PROPN
hassl-4494	444	2	hayes	hayes	PROPN
hassl-4494	444	3	,	,	PUNCT
hassl-4494	444	4	a.	a.	PROPN
hassl-4494	444	5	f.	f.	PROPN
hassl-4494	444	6	(	(	PUNCT
hassl-4494	444	7	2015	2015	NUM
hassl-4494	444	8	)	)	PUNCT
hassl-4494	444	9	.	.	PUNCT
hassl-4494	445	1	an	an	DET
hassl-4494	445	2	index	index	NOUN
hassl-4494	445	3	and	and	CCONJ
hassl-4494	445	4	test	test	NOUN
hassl-4494	445	5	of	of	ADP
hassl-4494	445	6	linear	linear	PROPN
hassl-4494	445	7	moderated	moderated	ADJ
hassl-4494	445	8	mediation	mediation	NOUN
hassl-4494	445	9	.	.	PUNCT
hassl-4494	446	1	multivariate	multivariate	VERB
hassl-4494	446	2	behavioral	behavioral	ADJ
hassl-4494	446	3	research	research	NOUN
hassl-4494	446	4	,	,	PUNCT
hassl-4494	446	5	50(1	50(1	PROPN
hassl-4494	446	6	)	)	PUNCT
hassl-4494	446	7	,	,	PUNCT
hassl-4494	446	8	1	1	NUM
hassl-4494	446	9	-	-	SYM
hassl-4494	446	10	22	22	NUM
hassl-4494	446	11	.	.	PUNCT
hassl-4494	447	1	https://doi.org/10.1080/00273171.2014.962683	https://doi.org/10.1080/00273171.2014.962683	PROPN
hassl-4494	447	2	https://doi.org/10.1186/s40854-023-00557-4	https://doi.org/10.1186/s40854-023-00557-4	VERB
hassl-4494	447	3	https://doi.org/10.1111/radm.12645	https://doi.org/10.1111/radm.12645	ADJ
hassl-4494	447	4	https://doi.org/10.1016/j.jeconbus.2007.08.003	https://doi.org/10.1016/j.jeconbus.2007.08.003	PROPN
hassl-4494	447	5	https://doi.org/10.22158/jepf.v7n3p153	https://doi.org/10.22158/jepf.v7n3p153	PROPN
hassl-4494	447	6	https://doi.org/10.2307/249008	https://doi.org/10.2307/249008	NOUN
hassl-4494	447	7	https://doi.org/10.30588/jmp.v10i1.657	https://doi.org/10.30588/jmp.v10i1.657	PRON
hassl-4494	447	8	https://doi.org/10.1108/jec-06-2021-0082	https://doi.org/10.1108/jec-06-2021-0082	PROPN
hassl-4494	447	9	https://doi.org/10.1108/jec-06-2021-0082	https://doi.org/10.1108/jec-06-2021-0082	PROPN
hassl-4494	447	10	https://doi.org/10.1108/eum0000000006849	https://doi.org/10.1108/eum0000000006849	NOUN
hassl-4494	447	11	https://doi.org/10.1080/23322039.2022.2121356	https://doi.org/10.1080/23322039.2022.2121356	X
hassl-4494	447	12	https://doi.org/10.3390/jrfm15070311	https://doi.org/10.3390/jrfm15070311	NOUN
hassl-4494	447	13	https://doi.org/10.1086/225469	https://doi.org/10.1086/225469	NOUN
hassl-4494	448	1	https://doi.org/10.1080/00913367.2017.1281777	https://doi.org/10.1080/00913367.2017.1281777	PROPN
hassl-4494	448	2	https://doi.org/10.1080/00273171.2014.962683	https://doi.org/10.1080/00273171.2014.962683	PROPN
hassl-4494	448	3	humanities	humanity	NOUN
hassl-4494	448	4	and	and	CCONJ
hassl-4494	448	5	social	social	ADJ
hassl-4494	448	6	sciences	science	NOUN
hassl-4494	448	7	letters	letter	NOUN
hassl-4494	448	8	,	,	PUNCT
hassl-4494	448	9	2025	2025	NUM
hassl-4494	448	10	,	,	PUNCT
hassl-4494	448	11	13(4	13(4	NUM
hassl-4494	448	12	):	):	PUNCT
hassl-4494	448	13	1287	1287	NUM
hassl-4494	448	14	-	-	SYM
hassl-4494	448	15	1303	1303	NUM
hassl-4494	448	16	1301	1301	NUM
hassl-4494	448	17	©	©	PROPN
hassl-4494	448	18	2025	2025	NUM
hassl-4494	448	19	conscientia	conscientia	PROPN
hassl-4494	448	20	beam	beam	PROPN
hassl-4494	448	21	.	.	PUNCT
hassl-4494	449	1	all	all	DET
hassl-4494	449	2	rights	right	NOUN
hassl-4494	449	3	reserved	reserve	VERB
hassl-4494	449	4	.	.	PUNCT
hassl-4494	450	1	heinonen	heinonen	PROPN
hassl-4494	450	2	,	,	PUNCT
hassl-4494	450	3	j.	j.	PROPN
hassl-4494	450	4	,	,	PUNCT
hassl-4494	450	5	&	&	CCONJ
hassl-4494	450	6	poikkijoki	poikkijoki	NOUN
hassl-4494	450	7	,	,	PUNCT
hassl-4494	450	8	s.-a	s.-a	NOUN
hassl-4494	450	9	.	.	PUNCT
hassl-4494	451	1	(	(	PUNCT
hassl-4494	451	2	2006	2006	NUM
hassl-4494	451	3	)	)	PUNCT
hassl-4494	451	4	.	.	PUNCT
hassl-4494	452	1	an	an	DET
hassl-4494	452	2	entrepreneurial‐directed	entrepreneurial‐directe	VERB
hassl-4494	452	3	approach	approach	NOUN
hassl-4494	452	4	to	to	ADP
hassl-4494	452	5	entrepreneurship	entrepreneurship	NOUN
hassl-4494	452	6	education	education	NOUN
hassl-4494	452	7	:	:	PUNCT
hassl-4494	452	8	mission	mission	NOUN
hassl-4494	452	9	impossible	impossible	ADJ
hassl-4494	452	10	?	?	PUNCT
hassl-4494	453	1	journal	journal	NOUN
hassl-4494	453	2	of	of	ADP
hassl-4494	453	3	management	management	NOUN
hassl-4494	453	4	development	development	NOUN
hassl-4494	453	5	,	,	PUNCT
hassl-4494	453	6	25(1	25(1	NUM
hassl-4494	453	7	)	)	PUNCT
hassl-4494	453	8	,	,	PUNCT
hassl-4494	453	9	80	80	NUM
hassl-4494	453	10	-	-	SYM
hassl-4494	453	11	94	94	NUM
hassl-4494	453	12	.	.	PUNCT
hassl-4494	454	1	https://doi.org/10.1108/02621710610637981	https://doi.org/10.1108/02621710610637981	X
hassl-4494	454	2	hogan	hogan	PROPN
hassl-4494	454	3	,	,	PUNCT
hassl-4494	454	4	s.	s.	PROPN
hassl-4494	454	5	j.	j.	PROPN
hassl-4494	454	6	,	,	PUNCT
hassl-4494	454	7	&	&	CCONJ
hassl-4494	454	8	coote	coote	PROPN
hassl-4494	454	9	,	,	PUNCT
hassl-4494	454	10	l.	l.	PROPN
hassl-4494	454	11	v.	v.	PROPN
hassl-4494	454	12	(	(	PUNCT
hassl-4494	454	13	2014	2014	NUM
hassl-4494	454	14	)	)	PUNCT
hassl-4494	454	15	.	.	PUNCT
hassl-4494	455	1	organizational	organizational	ADJ
hassl-4494	455	2	culture	culture	NOUN
hassl-4494	455	3	,	,	PUNCT
hassl-4494	455	4	innovation	innovation	NOUN
hassl-4494	455	5	,	,	PUNCT
hassl-4494	455	6	and	and	CCONJ
hassl-4494	455	7	performance	performance	NOUN
hassl-4494	455	8	:	:	PUNCT
hassl-4494	455	9	a	a	DET
hassl-4494	455	10	test	test	NOUN
hassl-4494	455	11	of	of	ADP
hassl-4494	455	12	schein	schein	PROPN
hassl-4494	455	13	's	's	PART
hassl-4494	455	14	model	model	NOUN
hassl-4494	455	15	.	.	PUNCT
hassl-4494	456	1	journal	journal	PROPN
hassl-4494	456	2	of	of	ADP
hassl-4494	456	3	business	business	NOUN
hassl-4494	456	4	research	research	NOUN
hassl-4494	456	5	,	,	PUNCT
hassl-4494	456	6	67(8	67(8	NUM
hassl-4494	456	7	)	)	PUNCT
hassl-4494	456	8	,	,	PUNCT
hassl-4494	456	9	1609	1609	NUM
hassl-4494	456	10	-	-	SYM
hassl-4494	456	11	1621	1621	NUM
hassl-4494	456	12	.	.	PUNCT
hassl-4494	457	1	https://doi.org/10.1016/j.jbusres.2013.09.007	https://doi.org/10.1016/j.jbusres.2013.09.007	VERB
hassl-4494	457	2	hong	hong	PROPN
hassl-4494	457	3	,	,	PUNCT
hassl-4494	457	4	h.-y	h.-y	NOUN
hassl-4494	457	5	.	.	PUNCT
hassl-4494	457	6	,	,	PUNCT
hassl-4494	457	7	&	&	CCONJ
hassl-4494	457	8	sullivan	sullivan	PROPN
hassl-4494	457	9	,	,	PUNCT
hassl-4494	457	10	f.	f.	PROPN
hassl-4494	457	11	r.	r.	PROPN
hassl-4494	457	12	(	(	PUNCT
hassl-4494	457	13	2009	2009	NUM
hassl-4494	457	14	)	)	PUNCT
hassl-4494	457	15	.	.	PUNCT
hassl-4494	458	1	towards	towards	ADP
hassl-4494	458	2	an	an	DET
hassl-4494	458	3	idea	idea	NOUN
hassl-4494	458	4	-	-	PUNCT
hassl-4494	458	5	centered	center	VERB
hassl-4494	458	6	,	,	PUNCT
hassl-4494	458	7	principle	principle	NOUN
hassl-4494	458	8	-	-	PUNCT
hassl-4494	458	9	based	base	VERB
hassl-4494	458	10	design	design	NOUN
hassl-4494	458	11	approach	approach	NOUN
hassl-4494	458	12	to	to	ADP
hassl-4494	458	13	support	support	NOUN
hassl-4494	458	14	learning	learn	VERB
hassl-4494	458	15	as	as	ADP
hassl-4494	458	16	knowledge	knowledge	NOUN
hassl-4494	458	17	creation	creation	NOUN
hassl-4494	458	18	.	.	PUNCT
hassl-4494	459	1	educational	educational	ADJ
hassl-4494	459	2	technology	technology	NOUN
hassl-4494	459	3	research	research	NOUN
hassl-4494	459	4	and	and	CCONJ
hassl-4494	459	5	development	development	NOUN
hassl-4494	459	6	,	,	PUNCT
hassl-4494	459	7	57(5	57(5	NOUN
hassl-4494	459	8	)	)	PUNCT
hassl-4494	459	9	,	,	PUNCT
hassl-4494	459	10	613	613	NUM
hassl-4494	459	11	-	-	SYM
hassl-4494	459	12	627	627	NUM
hassl-4494	459	13	.	.	PUNCT
hassl-4494	460	1	https://doi.org/10.1007/s11423-009-9122-0	https://doi.org/10.1007/s11423-009-9122-0	NUM
hassl-4494	460	2	hu	hu	PROPN
hassl-4494	460	3	,	,	PUNCT
hassl-4494	460	4	l.-t	l.-t	PROPN
hassl-4494	460	5	.	.	PUNCT
hassl-4494	460	6	,	,	PUNCT
hassl-4494	460	7	&	&	CCONJ
hassl-4494	460	8	bentler	bentler	NOUN
hassl-4494	460	9	,	,	PUNCT
hassl-4494	460	10	p.	p.	NOUN
hassl-4494	460	11	m.	m.	NOUN
hassl-4494	460	12	(	(	PUNCT
hassl-4494	460	13	1999	1999	NUM
hassl-4494	460	14	)	)	PUNCT
hassl-4494	460	15	.	.	PUNCT
hassl-4494	461	1	cutoff	cutoff	PROPN
hassl-4494	461	2	criteria	criterion	NOUN
hassl-4494	461	3	for	for	ADP
hassl-4494	461	4	fit	fit	ADJ
hassl-4494	461	5	indexes	index	NOUN
hassl-4494	461	6	in	in	ADP
hassl-4494	461	7	covariance	covariance	NOUN
hassl-4494	461	8	structure	structure	NOUN
hassl-4494	461	9	analysis	analysis	NOUN
hassl-4494	461	10	:	:	PUNCT
hassl-4494	461	11	conventional	conventional	ADJ
hassl-4494	461	12	criteria	criterion	NOUN
hassl-4494	461	13	versus	versus	ADP
hassl-4494	461	14	new	new	ADJ
hassl-4494	461	15	alternatives	alternative	NOUN
hassl-4494	461	16	.	.	PUNCT
hassl-4494	462	1	structural	structural	ADJ
hassl-4494	462	2	equation	equation	NOUN
hassl-4494	462	3	modeling	modeling	NOUN
hassl-4494	462	4	:	:	PUNCT
hassl-4494	462	5	a	a	DET
hassl-4494	462	6	multidisciplinary	multidisciplinary	ADJ
hassl-4494	462	7	journal	journal	NOUN
hassl-4494	462	8	,	,	PUNCT
hassl-4494	462	9	6(1	6(1	NUM
hassl-4494	462	10	)	)	PUNCT
hassl-4494	462	11	,	,	PUNCT
hassl-4494	462	12	1	1	NUM
hassl-4494	462	13	-	-	SYM
hassl-4494	462	14	55	55	NUM
hassl-4494	462	15	.	.	PUNCT
hassl-4494	463	1	https://doi.org/10.1080/10705519909540118	https://doi.org/10.1080/10705519909540118	VERB
hassl-4494	463	2	jamali	jamali	PROPN
hassl-4494	463	3	,	,	PUNCT
hassl-4494	463	4	d.	d.	PROPN
hassl-4494	463	5	(	(	PUNCT
hassl-4494	463	6	2008	2008	NUM
hassl-4494	463	7	)	)	PUNCT
hassl-4494	463	8	.	.	PUNCT
hassl-4494	464	1	a	a	DET
hassl-4494	464	2	stakeholder	stakeholder	NOUN
hassl-4494	464	3	approach	approach	NOUN
hassl-4494	464	4	to	to	ADP
hassl-4494	464	5	corporate	corporate	ADJ
hassl-4494	464	6	social	social	ADJ
hassl-4494	464	7	responsibility	responsibility	NOUN
hassl-4494	464	8	:	:	PUNCT
hassl-4494	464	9	a	a	DET
hassl-4494	464	10	fresh	fresh	ADJ
hassl-4494	464	11	perspective	perspective	NOUN
hassl-4494	464	12	into	into	ADP
hassl-4494	464	13	theory	theory	NOUN
hassl-4494	464	14	and	and	CCONJ
hassl-4494	464	15	practice	practice	NOUN
hassl-4494	464	16	.	.	PUNCT
hassl-4494	465	1	journal	journal	NOUN
hassl-4494	465	2	of	of	ADP
hassl-4494	465	3	business	business	NOUN
hassl-4494	465	4	ethics	ethic	NOUN
hassl-4494	465	5	,	,	PUNCT
hassl-4494	465	6	82	82	NUM
hassl-4494	465	7	,	,	PUNCT
hassl-4494	465	8	213	213	NUM
hassl-4494	465	9	-	-	SYM
hassl-4494	465	10	231	231	NUM
hassl-4494	465	11	.	.	PUNCT
hassl-4494	466	1	https://doi.org/10.1007/s10551-007-9572-4	https://doi.org/10.1007/s10551-007-9572-4	PROPN
hassl-4494	466	2	jensen	jensen	PROPN
hassl-4494	466	3	,	,	PUNCT
hassl-4494	466	4	m.	m.	PROPN
hassl-4494	466	5	c.	c.	PROPN
hassl-4494	466	6	,	,	PUNCT
hassl-4494	466	7	&	&	CCONJ
hassl-4494	466	8	meckling	meckling	PROPN
hassl-4494	466	9	,	,	PUNCT
hassl-4494	466	10	w.	w.	PROPN
hassl-4494	466	11	h.	h.	PROPN
hassl-4494	466	12	(	(	PUNCT
hassl-4494	466	13	1976	1976	NUM
hassl-4494	466	14	)	)	PUNCT
hassl-4494	466	15	.	.	PUNCT
hassl-4494	467	1	theory	theory	NOUN
hassl-4494	467	2	of	of	ADP
hassl-4494	467	3	the	the	DET
hassl-4494	467	4	firm	firm	NOUN
hassl-4494	467	5	:	:	PUNCT
hassl-4494	467	6	managerial	managerial	ADJ
hassl-4494	467	7	behavior	behavior	NOUN
hassl-4494	467	8	,	,	PUNCT
hassl-4494	467	9	agency	agency	NOUN
hassl-4494	467	10	costs	cost	NOUN
hassl-4494	467	11	and	and	CCONJ
hassl-4494	467	12	ownership	ownership	NOUN
hassl-4494	467	13	structure	structure	NOUN
hassl-4494	467	14	.	.	PUNCT
hassl-4494	468	1	journal	journal	NOUN
hassl-4494	468	2	of	of	ADP
hassl-4494	468	3	financial	financial	ADJ
hassl-4494	468	4	economics	economic	NOUN
hassl-4494	468	5	,	,	PUNCT
hassl-4494	468	6	3(4	3(4	NUM
hassl-4494	468	7	)	)	PUNCT
hassl-4494	468	8	,	,	PUNCT
hassl-4494	468	9	305	305	NUM
hassl-4494	468	10	-	-	SYM
hassl-4494	468	11	360	360	NUM
hassl-4494	468	12	.	.	PUNCT
hassl-4494	469	1	https://doi.org/10.1016/0304-405x(76)90026-x	https://doi.org/10.1016/0304-405x(76)90026-x	PROPN
hassl-4494	469	2	jindrichovska	jindrichovska	PROPN
hassl-4494	469	3	,	,	PUNCT
hassl-4494	469	4	i.	i.	PROPN
hassl-4494	469	5	(	(	PUNCT
hassl-4494	469	6	2013	2013	NUM
hassl-4494	469	7	)	)	PUNCT
hassl-4494	469	8	.	.	PUNCT
hassl-4494	470	1	financial	financial	ADJ
hassl-4494	470	2	management	management	NOUN
hassl-4494	470	3	in	in	ADP
hassl-4494	470	4	smes	sme	NOUN
hassl-4494	470	5	.	.	PUNCT
hassl-4494	471	1	european	european	PROPN
hassl-4494	471	2	research	research	PROPN
hassl-4494	471	3	studies	studies	PROPN
hassl-4494	471	4	journal	journal	NOUN
hassl-4494	471	5	,	,	PUNCT
hassl-4494	471	6	16(4	16(4	PROPN
hassl-4494	471	7	)	)	PUNCT
hassl-4494	471	8	,	,	PUNCT
hassl-4494	471	9	79–96	79–96	NUM
hassl-4494	471	10	.	.	PUNCT
hassl-4494	472	1	kemi	kemi	PROPN
hassl-4494	472	2	,	,	PUNCT
hassl-4494	472	3	o.	o.	PROPN
hassl-4494	472	4	o.	o.	PROPN
hassl-4494	472	5	,	,	PUNCT
hassl-4494	472	6	&	&	CCONJ
hassl-4494	472	7	abiola	abiola	PROPN
hassl-4494	472	8	,	,	PUNCT
hassl-4494	472	9	s.	s.	PROPN
hassl-4494	472	10	a.	a.	PROPN
hassl-4494	472	11	(	(	PUNCT
hassl-4494	472	12	2022	2022	NUM
hassl-4494	472	13	)	)	PUNCT
hassl-4494	472	14	.	.	PUNCT
hassl-4494	473	1	the	the	DET
hassl-4494	473	2	role	role	NOUN
hassl-4494	473	3	of	of	ADP
hassl-4494	473	4	credit	credit	NOUN
hassl-4494	473	5	facilities	facility	NOUN
hassl-4494	473	6	in	in	ADP
hassl-4494	473	7	enhancing	enhance	VERB
hassl-4494	473	8	msmes	msme	NOUN
hassl-4494	473	9	'	'	PART
hassl-4494	473	10	use	use	NOUN
hassl-4494	473	11	of	of	ADP
hassl-4494	473	12	digital	digital	ADJ
hassl-4494	473	13	technology	technology	NOUN
hassl-4494	473	14	for	for	ADP
hassl-4494	473	15	international	international	ADJ
hassl-4494	473	16	market	market	NOUN
hassl-4494	473	17	growth	growth	NOUN
hassl-4494	473	18	.	.	PUNCT
hassl-4494	474	1	journal	journal	NOUN
hassl-4494	474	2	of	of	ADP
hassl-4494	474	3	african	african	ADJ
hassl-4494	474	4	business	business	NOUN
hassl-4494	474	5	,	,	PUNCT
hassl-4494	474	6	23(1	23(1	NUM
hassl-4494	474	7	)	)	PUNCT
hassl-4494	474	8	,	,	PUNCT
hassl-4494	474	9	76	76	NUM
hassl-4494	474	10	-	-	SYM
hassl-4494	474	11	79	79	NUM
hassl-4494	474	12	.	.	PUNCT
hassl-4494	475	1	khajeheian	khajeheian	PROPN
hassl-4494	475	2	,	,	PUNCT
hassl-4494	475	3	d.	d.	PROPN
hassl-4494	475	4	(	(	PUNCT
hassl-4494	475	5	2013	2013	NUM
hassl-4494	475	6	)	)	PUNCT
hassl-4494	475	7	.	.	PUNCT
hassl-4494	476	1	new	new	ADJ
hassl-4494	476	2	venture	venture	NOUN
hassl-4494	476	3	creation	creation	NOUN
hassl-4494	476	4	in	in	ADP
hassl-4494	476	5	social	social	ADJ
hassl-4494	476	6	media	medium	NOUN
hassl-4494	476	7	platform	platform	NOUN
hassl-4494	476	8	:	:	PUNCT
hassl-4494	476	9	towards	towards	ADP
hassl-4494	476	10	a	a	DET
hassl-4494	476	11	framework	framework	NOUN
hassl-4494	476	12	for	for	ADP
hassl-4494	476	13	media	medium	NOUN
hassl-4494	476	14	entrepreneurship	entrepreneurship	NOUN
hassl-4494	476	15	.	.	PUNCT
hassl-4494	477	1	in	in	ADP
hassl-4494	477	2	m.	m.	PROPN
hassl-4494	477	3	friedrichsen	friedrichsen	PROPN
hassl-4494	477	4	&	&	CCONJ
hassl-4494	477	5	w.	w.	PROPN
hassl-4494	477	6	mühl	mühl	PROPN
hassl-4494	477	7	-	-	PUNCT
hassl-4494	477	8	benninghaus	benninghaus	PROPN
hassl-4494	477	9	(	(	PUNCT
hassl-4494	477	10	eds	ed	NOUN
hassl-4494	477	11	.	.	PUNCT
hassl-4494	477	12	)	)	PUNCT
hassl-4494	477	13	,	,	PUNCT
hassl-4494	477	14	handbook	handbook	NOUN
hassl-4494	477	15	of	of	ADP
hassl-4494	477	16	social	social	ADJ
hassl-4494	477	17	media	medium	NOUN
hassl-4494	477	18	management	management	NOUN
hassl-4494	477	19	(	(	PUNCT
hassl-4494	477	20	pp	pp	ADJ
hassl-4494	477	21	.	.	PUNCT
hassl-4494	477	22	125–142	125–142	NUM
hassl-4494	477	23	)	)	PUNCT
hassl-4494	477	24	.	.	PUNCT
hassl-4494	478	1	berlin	berlin	PROPN
hassl-4494	478	2	/	/	SYM
hassl-4494	478	3	heidelberg	heidelberg	PROPN
hassl-4494	478	4	:	:	PUNCT
hassl-4494	478	5	springer	springer	NOUN
hassl-4494	478	6	.	.	PUNCT
hassl-4494	479	1	kumar	kumar	PROPN
hassl-4494	479	2	,	,	PUNCT
hassl-4494	479	3	p.	p.	PROPN
hassl-4494	479	4	,	,	PUNCT
hassl-4494	479	5	pillai	pillai	PROPN
hassl-4494	479	6	,	,	PUNCT
hassl-4494	479	7	r.	r.	PROPN
hassl-4494	479	8	,	,	PUNCT
hassl-4494	479	9	kumar	kumar	PROPN
hassl-4494	479	10	,	,	PUNCT
hassl-4494	479	11	n.	n.	NOUN
hassl-4494	479	12	,	,	PUNCT
hassl-4494	479	13	&	&	CCONJ
hassl-4494	479	14	tabash	tabash	PROPN
hassl-4494	479	15	,	,	PUNCT
hassl-4494	479	16	m.	m.	NOUN
hassl-4494	479	17	i.	i.	PROPN
hassl-4494	479	18	(	(	PUNCT
hassl-4494	479	19	2023	2023	NUM
hassl-4494	479	20	)	)	PUNCT
hassl-4494	479	21	.	.	PUNCT
hassl-4494	480	1	the	the	DET
hassl-4494	480	2	interplay	interplay	NOUN
hassl-4494	480	3	of	of	ADP
hassl-4494	480	4	skills	skill	NOUN
hassl-4494	480	5	,	,	PUNCT
hassl-4494	480	6	digital	digital	ADJ
hassl-4494	480	7	financial	financial	ADJ
hassl-4494	480	8	literacy	literacy	NOUN
hassl-4494	480	9	,	,	PUNCT
hassl-4494	480	10	capability	capability	NOUN
hassl-4494	480	11	,	,	PUNCT
hassl-4494	480	12	and	and	CCONJ
hassl-4494	480	13	autonomy	autonomy	NOUN
hassl-4494	480	14	in	in	ADP
hassl-4494	480	15	financial	financial	ADJ
hassl-4494	480	16	decision	decision	NOUN
hassl-4494	480	17	making	making	NOUN
hassl-4494	480	18	and	and	CCONJ
hassl-4494	480	19	well	well	ADV
hassl-4494	480	20	-	-	PUNCT
hassl-4494	480	21	being	being	NOUN
hassl-4494	480	22	.	.	PUNCT
hassl-4494	481	1	borsa	borsa	PROPN
hassl-4494	481	2	istanbul	istanbul	PROPN
hassl-4494	481	3	review	review	PROPN
hassl-4494	481	4	,	,	PUNCT
hassl-4494	481	5	23(1	23(1	NOUN
hassl-4494	481	6	)	)	PUNCT
hassl-4494	481	7	,	,	PUNCT
hassl-4494	481	8	169	169	NUM
hassl-4494	481	9	-	-	SYM
hassl-4494	481	10	183	183	NUM
hassl-4494	481	11	.	.	PUNCT
hassl-4494	482	1	https://doi.org/10.1016/j.bir.2022.09.012	https://doi.org/10.1016/j.bir.2022.09.012	PROPN
hassl-4494	482	2	kusi	kusi	PROPN
hassl-4494	482	3	,	,	PUNCT
hassl-4494	482	4	a.	a.	PROPN
hassl-4494	482	5	,	,	PUNCT
hassl-4494	482	6	yussif	yussif	PROPN
hassl-4494	482	7	,	,	PUNCT
hassl-4494	482	8	s.	s.	PROPN
hassl-4494	482	9	,	,	PUNCT
hassl-4494	482	10	&	&	CCONJ
hassl-4494	482	11	ismail	ismail	PROPN
hassl-4494	482	12	,	,	PUNCT
hassl-4494	482	13	a.	a.	NOUN
hassl-4494	482	14	(	(	PUNCT
hassl-4494	482	15	2019	2019	NUM
hassl-4494	482	16	)	)	PUNCT
hassl-4494	482	17	.	.	PUNCT
hassl-4494	483	1	access	access	NOUN
hassl-4494	483	2	to	to	ADP
hassl-4494	483	3	micro	micro	ADJ
hassl-4494	483	4	credit	credit	NOUN
hassl-4494	483	5	by	by	ADP
hassl-4494	483	6	women	woman	NOUN
hassl-4494	483	7	entrepreneurs	entrepreneur	NOUN
hassl-4494	483	8	in	in	ADP
hassl-4494	483	9	ghana	ghana	PROPN
hassl-4494	483	10	:	:	PUNCT
hassl-4494	483	11	sinapi	sinapi	PROPN
hassl-4494	483	12	aba	aba	PROPN
hassl-4494	483	13	trust	trust	PROPN
hassl-4494	483	14	-	-	PUNCT
hassl-4494	483	15	kumasi	kumasi	NOUN
hassl-4494	483	16	in	in	ADP
hassl-4494	483	17	retrospect	retrospect	NOUN
hassl-4494	483	18	.	.	PUNCT
hassl-4494	484	1	international	international	ADJ
hassl-4494	484	2	journal	journal	PROPN
hassl-4494	484	3	of	of	ADP
hassl-4494	484	4	academic	academic	ADJ
hassl-4494	484	5	research	research	NOUN
hassl-4494	484	6	in	in	ADP
hassl-4494	484	7	business	business	NOUN
hassl-4494	484	8	and	and	CCONJ
hassl-4494	484	9	social	social	ADJ
hassl-4494	484	10	sciences	science	NOUN
hassl-4494	484	11	,	,	PUNCT
hassl-4494	484	12	9(9	9(9	NUM
hassl-4494	484	13	)	)	PUNCT
hassl-4494	484	14	,	,	PUNCT
hassl-4494	484	15	590	590	NUM
hassl-4494	484	16	-	-	SYM
hassl-4494	484	17	613	613	NUM
hassl-4494	484	18	.	.	PUNCT
hassl-4494	485	1	https://doi.org/10.6007/ijarbss/v9-i9/6336	https://doi.org/10.6007/ijarbss/v9-i9/6336	PROPN
hassl-4494	485	2	leyden	leyden	PROPN
hassl-4494	485	3	,	,	PUNCT
hassl-4494	485	4	d.	d.	PROPN
hassl-4494	485	5	p.	p.	PROPN
hassl-4494	485	6	(	(	PUNCT
hassl-4494	485	7	2016	2016	NUM
hassl-4494	485	8	)	)	PUNCT
hassl-4494	485	9	.	.	PUNCT
hassl-4494	486	1	public	public	ADJ
hassl-4494	486	2	-	-	PUNCT
hassl-4494	486	3	sector	sector	NOUN
hassl-4494	486	4	entrepreneurship	entrepreneurship	NOUN
hassl-4494	486	5	and	and	CCONJ
hassl-4494	486	6	the	the	DET
hassl-4494	486	7	creation	creation	NOUN
hassl-4494	486	8	of	of	ADP
hassl-4494	486	9	a	a	DET
hassl-4494	486	10	sustainable	sustainable	ADJ
hassl-4494	486	11	innovative	innovative	ADJ
hassl-4494	486	12	economy	economy	NOUN
hassl-4494	486	13	.	.	PUNCT
hassl-4494	487	1	small	small	ADJ
hassl-4494	487	2	business	business	NOUN
hassl-4494	487	3	economics	economic	NOUN
hassl-4494	487	4	,	,	PUNCT
hassl-4494	487	5	46	46	NUM
hassl-4494	487	6	,	,	PUNCT
hassl-4494	487	7	553	553	NUM
hassl-4494	487	8	-	-	SYM
hassl-4494	487	9	564	564	NUM
hassl-4494	487	10	.	.	PUNCT
hassl-4494	488	1	https://doi.org/10.1007/s11187-016-9706-0	https://doi.org/10.1007/s11187-016-9706-0	NUM
hassl-4494	488	2	ligthelm	ligthelm	NOUN
hassl-4494	488	3	,	,	PUNCT
hassl-4494	488	4	a.	a.	NOUN
hassl-4494	488	5	a.	a.	NOUN
hassl-4494	488	6	(	(	PUNCT
hassl-4494	488	7	2008	2008	NUM
hassl-4494	488	8	)	)	PUNCT
hassl-4494	488	9	.	.	PUNCT
hassl-4494	489	1	a	a	DET
hassl-4494	489	2	targeted	target	VERB
hassl-4494	489	3	approach	approach	NOUN
hassl-4494	489	4	to	to	ADP
hassl-4494	489	5	informal	informal	ADJ
hassl-4494	489	6	business	business	NOUN
hassl-4494	489	7	development	development	NOUN
hassl-4494	489	8	:	:	PUNCT
hassl-4494	489	9	the	the	DET
hassl-4494	489	10	entrepreneurial	entrepreneurial	ADJ
hassl-4494	489	11	route	route	NOUN
hassl-4494	489	12	.	.	PUNCT
hassl-4494	490	1	development	development	PROPN
hassl-4494	490	2	southern	southern	PROPN
hassl-4494	490	3	africa	africa	PROPN
hassl-4494	490	4	,	,	PUNCT
hassl-4494	490	5	25(4	25(4	PROPN
hassl-4494	490	6	)	)	PUNCT
hassl-4494	490	7	,	,	PUNCT
hassl-4494	490	8	367	367	NUM
hassl-4494	490	9	-	-	SYM
hassl-4494	490	10	382	382	NUM
hassl-4494	490	11	.	.	PUNCT
hassl-4494	491	1	https://doi.org/10.1080/03768350802316138	https://doi.org/10.1080/03768350802316138	AUX
hassl-4494	491	2	lindholm	lindholm	ADV
hassl-4494	491	3	,	,	PUNCT
hassl-4494	491	4	a.	a.	NOUN
hassl-4494	491	5	,	,	PUNCT
hassl-4494	491	6	laine	laine	NOUN
hassl-4494	491	7	,	,	PUNCT
hassl-4494	491	8	t.	t.	PROPN
hassl-4494	491	9	j.	j.	PROPN
hassl-4494	491	10	,	,	PUNCT
hassl-4494	491	11	&	&	CCONJ
hassl-4494	491	12	suomala	suomala	PROPN
hassl-4494	491	13	,	,	PUNCT
hassl-4494	491	14	p.	p.	NOUN
hassl-4494	491	15	(	(	PUNCT
hassl-4494	491	16	2017	2017	NUM
hassl-4494	491	17	)	)	PUNCT
hassl-4494	491	18	.	.	PUNCT
hassl-4494	492	1	the	the	DET
hassl-4494	492	2	potential	potential	NOUN
hassl-4494	492	3	of	of	ADP
hassl-4494	492	4	management	management	NOUN
hassl-4494	492	5	accounting	accounting	NOUN
hassl-4494	492	6	and	and	CCONJ
hassl-4494	492	7	control	control	NOUN
hassl-4494	492	8	in	in	ADP
hassl-4494	492	9	global	global	ADJ
hassl-4494	492	10	operations	operation	NOUN
hassl-4494	492	11	:	:	PUNCT
hassl-4494	492	12	profitability	profitability	NOUN
hassl-4494	492	13	-	-	PUNCT
hassl-4494	492	14	driven	drive	VERB
hassl-4494	492	15	service	service	NOUN
hassl-4494	492	16	business	business	NOUN
hassl-4494	492	17	development	development	NOUN
hassl-4494	492	18	.	.	PUNCT
hassl-4494	493	1	journal	journal	PROPN
hassl-4494	493	2	of	of	ADP
hassl-4494	493	3	service	service	NOUN
hassl-4494	493	4	theory	theory	NOUN
hassl-4494	493	5	and	and	CCONJ
hassl-4494	493	6	practice	practice	NOUN
hassl-4494	493	7	,	,	PUNCT
hassl-4494	493	8	27(2	27(2	NUM
hassl-4494	493	9	)	)	PUNCT
hassl-4494	493	10	,	,	PUNCT
hassl-4494	493	11	496	496	NUM
hassl-4494	493	12	-	-	SYM
hassl-4494	493	13	514	514	NUM
hassl-4494	493	14	.	.	PUNCT
hassl-4494	494	1	https://doi.org/10.1108/jstp-05-2016-0106	https://doi.org/10.1108/jstp-05-2016-0106	NOUN
hassl-4494	494	2	linnenluecke	linnenluecke	PROPN
hassl-4494	494	3	,	,	PUNCT
hassl-4494	494	4	m.	m.	NOUN
hassl-4494	494	5	k.	k.	PROPN
hassl-4494	494	6	,	,	PUNCT
hassl-4494	494	7	&	&	CCONJ
hassl-4494	494	8	griffiths	griffiths	PROPN
hassl-4494	494	9	,	,	PUNCT
hassl-4494	494	10	a.	a.	PROPN
hassl-4494	494	11	(	(	PUNCT
hassl-4494	494	12	2010	2010	NUM
hassl-4494	494	13	)	)	PUNCT
hassl-4494	494	14	.	.	PUNCT
hassl-4494	495	1	corporate	corporate	ADJ
hassl-4494	495	2	sustainability	sustainability	NOUN
hassl-4494	495	3	and	and	CCONJ
hassl-4494	495	4	organizational	organizational	ADJ
hassl-4494	495	5	culture	culture	NOUN
hassl-4494	495	6	.	.	PUNCT
hassl-4494	496	1	journal	journal	PROPN
hassl-4494	496	2	of	of	ADP
hassl-4494	496	3	world	world	PROPN
hassl-4494	496	4	business	business	NOUN
hassl-4494	496	5	,	,	PUNCT
hassl-4494	496	6	45(4	45(4	NUM
hassl-4494	496	7	)	)	PUNCT
hassl-4494	496	8	,	,	PUNCT
hassl-4494	496	9	357	357	NUM
hassl-4494	496	10	-	-	SYM
hassl-4494	496	11	366	366	NUM
hassl-4494	496	12	.	.	PUNCT
hassl-4494	497	1	https://doi.org/10.1016/j.jwb.2009.08.006	https://doi.org/10.1016/j.jwb.2009.08.006	ADJ
hassl-4494	497	2	loesche	loesche	NOUN
hassl-4494	497	3	,	,	PUNCT
hassl-4494	497	4	f.	f.	PROPN
hassl-4494	497	5	,	,	PUNCT
hassl-4494	497	6	&	&	CCONJ
hassl-4494	497	7	torre	torre	PROPN
hassl-4494	497	8	,	,	PUNCT
hassl-4494	497	9	i.	i.	PROPN
hassl-4494	497	10	(	(	PUNCT
hassl-4494	497	11	2020	2020	NUM
hassl-4494	497	12	)	)	PUNCT
hassl-4494	497	13	.	.	PUNCT
hassl-4494	498	1	creative	creative	ADJ
hassl-4494	498	2	destruction	destruction	NOUN
hassl-4494	498	3	.	.	PUNCT
hassl-4494	499	1	in	in	ADP
hassl-4494	499	2	m.	m.	NOUN
hassl-4494	499	3	a.	a.	PROPN
hassl-4494	499	4	runco	runco	PROPN
hassl-4494	499	5	&	&	CCONJ
hassl-4494	499	6	s.	s.	PROPN
hassl-4494	499	7	r.	r.	PROPN
hassl-4494	499	8	pritzker	pritzker	PROPN
hassl-4494	499	9	(	(	PUNCT
hassl-4494	499	10	eds	eds	PROPN
hassl-4494	499	11	.	.	PUNCT
hassl-4494	499	12	)	)	PUNCT
hassl-4494	499	13	,	,	PUNCT
hassl-4494	499	14	encyclopedia	encyclopedia	NOUN
hassl-4494	499	15	of	of	ADP
hassl-4494	499	16	creativity	creativity	NOUN
hassl-4494	499	17	(	(	PUNCT
hassl-4494	499	18	3rd	3rd	ADJ
hassl-4494	499	19	ed	ed	NOUN
hassl-4494	499	20	.	.	PUNCT
hassl-4494	499	21	)	)	PUNCT
hassl-4494	499	22	.	.	PUNCT
hassl-4494	500	1	academic	academic	ADJ
hassl-4494	500	2	press	press	PROPN
hassl-4494	500	3	/	/	SYM
hassl-4494	500	4	elsevier	elsevier	NOUN
hassl-4494	500	5	.	.	PUNCT
hassl-4494	501	1	lusardi	lusardi	PROPN
hassl-4494	501	2	,	,	PUNCT
hassl-4494	501	3	a.	a.	PROPN
hassl-4494	501	4	,	,	PUNCT
hassl-4494	501	5	&	&	CCONJ
hassl-4494	501	6	mitchell	mitchell	PROPN
hassl-4494	501	7	,	,	PUNCT
hassl-4494	501	8	o.	o.	PROPN
hassl-4494	501	9	s.	s.	PROPN
hassl-4494	501	10	(	(	PUNCT
hassl-4494	501	11	2014	2014	NUM
hassl-4494	501	12	)	)	PUNCT
hassl-4494	501	13	.	.	PUNCT
hassl-4494	502	1	the	the	DET
hassl-4494	502	2	economic	economic	ADJ
hassl-4494	502	3	importance	importance	NOUN
hassl-4494	502	4	of	of	ADP
hassl-4494	502	5	financial	financial	ADJ
hassl-4494	502	6	literacy	literacy	NOUN
hassl-4494	502	7	:	:	PUNCT
hassl-4494	502	8	theory	theory	NOUN
hassl-4494	502	9	and	and	CCONJ
hassl-4494	502	10	evidence	evidence	NOUN
hassl-4494	502	11	.	.	PUNCT
hassl-4494	503	1	journal	journal	NOUN
hassl-4494	503	2	of	of	ADP
hassl-4494	503	3	economic	economic	ADJ
hassl-4494	503	4	literature	literature	NOUN
hassl-4494	503	5	,	,	PUNCT
hassl-4494	503	6	52(1	52(1	NOUN
hassl-4494	503	7	)	)	PUNCT
hassl-4494	503	8	,	,	PUNCT
hassl-4494	503	9	5	5	NUM
hassl-4494	503	10	-	-	SYM
hassl-4494	503	11	44	44	NUM
hassl-4494	503	12	.	.	PUNCT
hassl-4494	504	1	mahmood	mahmood	PROPN
hassl-4494	504	2	,	,	PUNCT
hassl-4494	504	3	m.	m.	NOUN
hassl-4494	504	4	,	,	PUNCT
hassl-4494	504	5	batool	batool	NOUN
hassl-4494	504	6	,	,	PUNCT
hassl-4494	504	7	s.	s.	PROPN
hassl-4494	504	8	h.	h.	PROPN
hassl-4494	504	9	,	,	PUNCT
hassl-4494	504	10	rafiq	rafiq	PROPN
hassl-4494	504	11	,	,	PUNCT
hassl-4494	504	12	m.	m.	NOUN
hassl-4494	504	13	,	,	PUNCT
hassl-4494	504	14	&	&	CCONJ
hassl-4494	504	15	safdar	safdar	PROPN
hassl-4494	504	16	,	,	PUNCT
hassl-4494	504	17	m.	m.	NOUN
hassl-4494	504	18	(	(	PUNCT
hassl-4494	504	19	2022	2022	NUM
hassl-4494	504	20	)	)	PUNCT
hassl-4494	504	21	.	.	PUNCT
hassl-4494	505	1	examining	examine	VERB
hassl-4494	505	2	digital	digital	ADJ
hassl-4494	505	3	information	information	NOUN
hassl-4494	505	4	literacy	literacy	NOUN
hassl-4494	505	5	as	as	ADP
hassl-4494	505	6	a	a	DET
hassl-4494	505	7	determinant	determinant	NOUN
hassl-4494	505	8	of	of	ADP
hassl-4494	505	9	women	woman	NOUN
hassl-4494	505	10	's	's	PART
hassl-4494	505	11	online	online	ADJ
hassl-4494	505	12	shopping	shopping	NOUN
hassl-4494	505	13	behavior	behavior	NOUN
hassl-4494	505	14	.	.	PUNCT
hassl-4494	506	1	information	information	NOUN
hassl-4494	506	2	technology	technology	PROPN
hassl-4494	506	3	&	&	CCONJ
hassl-4494	506	4	people	people	NOUN
hassl-4494	506	5	,	,	PUNCT
hassl-4494	506	6	35(7	35(7	NUM
hassl-4494	506	7	)	)	PUNCT
hassl-4494	506	8	,	,	PUNCT
hassl-4494	506	9	2098	2098	NUM
hassl-4494	506	10	-	-	SYM
hassl-4494	506	11	2114	2114	NUM
hassl-4494	506	12	.	.	PUNCT
hassl-4494	507	1	https://doi.org/10.1108/itp-05-20210397	https://doi.org/10.1108/itp-05-20210397	PROPN
hassl-4494	508	1	maignan	maignan	PROPN
hassl-4494	508	2	,	,	PUNCT
hassl-4494	508	3	i.	i.	PROPN
hassl-4494	508	4	,	,	PUNCT
hassl-4494	508	5	ferrell	ferrell	PROPN
hassl-4494	508	6	,	,	PUNCT
hassl-4494	508	7	o.	o.	PROPN
hassl-4494	508	8	c.	c.	PROPN
hassl-4494	508	9	,	,	PUNCT
hassl-4494	508	10	&	&	CCONJ
hassl-4494	508	11	ferrell	ferrell	PROPN
hassl-4494	508	12	,	,	PUNCT
hassl-4494	508	13	l.	l.	PROPN
hassl-4494	508	14	(	(	PUNCT
hassl-4494	508	15	2005	2005	NUM
hassl-4494	508	16	)	)	PUNCT
hassl-4494	508	17	.	.	PUNCT
hassl-4494	509	1	a	a	DET
hassl-4494	509	2	stakeholder	stakeholder	NOUN
hassl-4494	509	3	model	model	NOUN
hassl-4494	509	4	for	for	ADP
hassl-4494	509	5	implementing	implement	VERB
hassl-4494	509	6	social	social	ADJ
hassl-4494	509	7	responsibility	responsibility	NOUN
hassl-4494	509	8	in	in	ADP
hassl-4494	509	9	marketing	marketing	NOUN
hassl-4494	509	10	.	.	PUNCT
hassl-4494	510	1	european	european	PROPN
hassl-4494	510	2	journal	journal	PROPN
hassl-4494	510	3	of	of	ADP
hassl-4494	510	4	marketing	marketing	NOUN
hassl-4494	510	5	,	,	PUNCT
hassl-4494	510	6	39(9/10	39(9/10	NUM
hassl-4494	510	7	)	)	PUNCT
hassl-4494	510	8	,	,	PUNCT
hassl-4494	510	9	956	956	NUM
hassl-4494	510	10	-	-	SYM
hassl-4494	510	11	977	977	NUM
hassl-4494	510	12	.	.	PUNCT
hassl-4494	511	1	https://doi.org/10.1108/03090560510610662	https://doi.org/10.1108/03090560510610662	PRON
hassl-4494	511	2	mancha	mancha	PROPN
hassl-4494	511	3	,	,	PUNCT
hassl-4494	511	4	r.	r.	PROPN
hassl-4494	511	5	,	,	PUNCT
hassl-4494	511	6	&	&	CCONJ
hassl-4494	511	7	shankaranarayanan	shankaranarayanan	PROPN
hassl-4494	511	8	,	,	PUNCT
hassl-4494	511	9	g.	g.	PROPN
hassl-4494	511	10	(	(	PUNCT
hassl-4494	511	11	2021	2021	NUM
hassl-4494	511	12	)	)	PUNCT
hassl-4494	511	13	.	.	PUNCT
hassl-4494	512	1	making	make	VERB
hassl-4494	512	2	a	a	DET
hassl-4494	512	3	digital	digital	ADJ
hassl-4494	512	4	innovator	innovator	NOUN
hassl-4494	512	5	:	:	PUNCT
hassl-4494	512	6	antecedents	antecedent	NOUN
hassl-4494	512	7	of	of	ADP
hassl-4494	512	8	innovativeness	innovativeness	NOUN
hassl-4494	512	9	with	with	ADP
hassl-4494	512	10	digital	digital	ADJ
hassl-4494	512	11	technologies	technology	NOUN
hassl-4494	512	12	.	.	PUNCT
hassl-4494	513	1	information	information	NOUN
hassl-4494	513	2	technology	technology	PROPN
hassl-4494	513	3	&	&	CCONJ
hassl-4494	513	4	people	people	NOUN
hassl-4494	513	5	,	,	PUNCT
hassl-4494	513	6	34(1	34(1	NUM
hassl-4494	513	7	)	)	PUNCT
hassl-4494	513	8	,	,	PUNCT
hassl-4494	513	9	318	318	NUM
hassl-4494	513	10	-	-	SYM
hassl-4494	513	11	335	335	NUM
hassl-4494	513	12	.	.	PUNCT
hassl-4494	514	1	https://doi.org/10.1108/itp-12-2018-0577	https://doi.org/10.1108/itp-12-2018-0577	PROPN
hassl-4494	514	2	https://doi.org/10.1108/02621710610637981	https://doi.org/10.1108/02621710610637981	X
hassl-4494	514	3	https://doi.org/10.1016/j.jbusres.2013.09.007	https://doi.org/10.1016/j.jbusres.2013.09.007	PROPN
hassl-4494	514	4	https://doi.org/10.1007/s11423-009-9122-0	https://doi.org/10.1007/s11423-009-9122-0	NUM
hassl-4494	514	5	https://doi.org/10.1080/10705519909540118	https://doi.org/10.1080/10705519909540118	VERB
hassl-4494	514	6	https://doi.org/10.1007/s10551-007-9572-4	https://doi.org/10.1007/s10551-007-9572-4	NUM
hassl-4494	515	1	https://doi.org/10.1016/0304-405x(76)90026-x	https://doi.org/10.1016/0304-405x(76)90026-x	PROPN
hassl-4494	515	2	https://doi.org/10.1016/j.bir.2022.09.012	https://doi.org/10.1016/j.bir.2022.09.012	NOUN
hassl-4494	515	3	https://doi.org/10.6007/ijarbss/v9-i9/6336	https://doi.org/10.6007/ijarbss/v9-i9/6336	NOUN
hassl-4494	515	4	https://doi.org/10.1007/s11187-016-9706-0	https://doi.org/10.1007/s11187-016-9706-0	NUM
hassl-4494	515	5	https://doi.org/10.1080/03768350802316138	https://doi.org/10.1080/03768350802316138	NUM
hassl-4494	515	6	https://doi.org/10.1108/jstp-05-2016-0106	https://doi.org/10.1108/jstp-05-2016-0106	NOUN
hassl-4494	515	7	https://doi.org/10.1016/j.jwb.2009.08.006	https://doi.org/10.1016/j.jwb.2009.08.006	ADJ
hassl-4494	515	8	https://doi.org/10.1108/itp-05-2021-0397	https://doi.org/10.1108/itp-05-2021-0397	NOUN
hassl-4494	515	9	https://doi.org/10.1108/itp-05-2021-0397	https://doi.org/10.1108/itp-05-2021-0397	NOUN
hassl-4494	515	10	https://doi.org/10.1108/03090560510610662	https://doi.org/10.1108/03090560510610662	NOUN
hassl-4494	515	11	https://doi.org/10.1108/itp-12-2018-0577	https://doi.org/10.1108/itp-12-2018-0577	PROPN
hassl-4494	515	12	humanities	humanity	NOUN
hassl-4494	515	13	and	and	CCONJ
hassl-4494	515	14	social	social	ADJ
hassl-4494	515	15	sciences	science	NOUN
hassl-4494	515	16	letters	letter	NOUN
hassl-4494	515	17	,	,	PUNCT
hassl-4494	515	18	2025	2025	NUM
hassl-4494	515	19	,	,	PUNCT
hassl-4494	515	20	13(4	13(4	NUM
hassl-4494	515	21	):	):	PUNCT
hassl-4494	515	22	1287	1287	NUM
hassl-4494	515	23	-	-	SYM
hassl-4494	515	24	1303	1303	NUM
hassl-4494	515	25	1302	1302	NUM
hassl-4494	515	26	©	©	PROPN
hassl-4494	515	27	2025	2025	NUM
hassl-4494	515	28	conscientia	conscientia	PROPN
hassl-4494	515	29	beam	beam	PROPN
hassl-4494	515	30	.	.	PUNCT
hassl-4494	516	1	all	all	DET
hassl-4494	516	2	rights	right	NOUN
hassl-4494	516	3	reserved	reserve	VERB
hassl-4494	516	4	.	.	PUNCT
hassl-4494	517	1	maphosa	maphosa	PROPN
hassl-4494	517	2	,	,	PUNCT
hassl-4494	517	3	c.	c.	PROPN
hassl-4494	517	4	,	,	PUNCT
hassl-4494	517	5	&	&	CCONJ
hassl-4494	517	6	bhebhe	bhebhe	PROPN
hassl-4494	517	7	,	,	PUNCT
hassl-4494	517	8	s.	s.	PROPN
hassl-4494	517	9	(	(	PUNCT
hassl-4494	517	10	2019	2019	NUM
hassl-4494	517	11	)	)	PUNCT
hassl-4494	517	12	.	.	PUNCT
hassl-4494	518	1	digital	digital	ADJ
hassl-4494	518	2	literacy	literacy	NOUN
hassl-4494	518	3	:	:	PUNCT
hassl-4494	518	4	a	a	DET
hassl-4494	518	5	must	must	NOUN
hassl-4494	518	6	for	for	ADP
hassl-4494	518	7	open	open	ADJ
hassl-4494	518	8	distance	distance	NOUN
hassl-4494	518	9	and	and	CCONJ
hassl-4494	518	10	e	e	NOUN
hassl-4494	518	11	-	-	ADJ
hassl-4494	518	12	learning	learning	ADJ
hassl-4494	518	13	(	(	PUNCT
hassl-4494	518	14	odel	odel	NOUN
hassl-4494	518	15	)	)	PUNCT
hassl-4494	518	16	students	student	NOUN
hassl-4494	518	17	.	.	PUNCT
hassl-4494	519	1	european	european	PROPN
hassl-4494	519	2	journal	journal	PROPN
hassl-4494	519	3	of	of	ADP
hassl-4494	519	4	education	education	NOUN
hassl-4494	519	5	studies	study	NOUN
hassl-4494	519	6	,	,	PUNCT
hassl-4494	519	7	5(10	5(10	NUM
hassl-4494	519	8	)	)	PUNCT
hassl-4494	519	9	,	,	PUNCT
hassl-4494	519	10	186–199	186–199	NUM
hassl-4494	519	11	.	.	PUNCT
hassl-4494	519	12	marini	marini	PROPN
hassl-4494	519	13	,	,	PUNCT
hassl-4494	519	14	s.	s.	PROPN
hassl-4494	519	15	,	,	PUNCT
hassl-4494	519	16	hanum	hanum	PROPN
hassl-4494	519	17	,	,	PUNCT
hassl-4494	519	18	f.	f.	PROPN
hassl-4494	519	19	,	,	PUNCT
hassl-4494	519	20	&	&	CCONJ
hassl-4494	519	21	sulistiyo	sulistiyo	PROPN
hassl-4494	519	22	,	,	PUNCT
hassl-4494	519	23	a.	a.	NOUN
hassl-4494	519	24	(	(	PUNCT
hassl-4494	519	25	2020	2020	NUM
hassl-4494	519	26	)	)	PUNCT
hassl-4494	519	27	.	.	PUNCT
hassl-4494	520	1	digital	digital	ADJ
hassl-4494	520	2	literacy	literacy	NOUN
hassl-4494	520	3	:	:	PUNCT
hassl-4494	520	4	empowering	empower	VERB
hassl-4494	520	5	indonesian	indonesian	ADJ
hassl-4494	520	6	women	woman	NOUN
hassl-4494	520	7	in	in	ADP
hassl-4494	520	8	overcoming	overcome	VERB
hassl-4494	520	9	digital	digital	ADJ
hassl-4494	520	10	divide	divide	NOUN
hassl-4494	520	11	.	.	PUNCT
hassl-4494	521	1	advances	advance	NOUN
hassl-4494	521	2	in	in	ADP
hassl-4494	521	3	social	social	ADJ
hassl-4494	521	4	science	science	NOUN
hassl-4494	521	5	,	,	PUNCT
hassl-4494	521	6	education	education	NOUN
hassl-4494	521	7	,	,	PUNCT
hassl-4494	521	8	and	and	CCONJ
hassl-4494	521	9	humanities	humanity	NOUN
hassl-4494	521	10	research	research	NOUN
hassl-4494	521	11	,	,	PUNCT
hassl-4494	521	12	398	398	NUM
hassl-4494	521	13	,	,	PUNCT
hassl-4494	521	14	137–141	137–141	NUM
hassl-4494	521	15	.	.	PUNCT
hassl-4494	522	1	martin	martin	PROPN
hassl-4494	522	2	,	,	PUNCT
hassl-4494	522	3	a.	a.	PROPN
hassl-4494	522	4	,	,	PUNCT
hassl-4494	522	5	&	&	CCONJ
hassl-4494	522	6	grudziecki	grudziecki	PROPN
hassl-4494	522	7	,	,	PUNCT
hassl-4494	522	8	j.	j.	PROPN
hassl-4494	522	9	(	(	PUNCT
hassl-4494	522	10	2006	2006	NUM
hassl-4494	522	11	)	)	PUNCT
hassl-4494	522	12	.	.	PUNCT
hassl-4494	523	1	digeulit	digeulit	VERB
hassl-4494	523	2	:	:	PUNCT
hassl-4494	523	3	concepts	concept	NOUN
hassl-4494	523	4	and	and	CCONJ
hassl-4494	523	5	tools	tool	NOUN
hassl-4494	523	6	for	for	ADP
hassl-4494	523	7	digital	digital	ADJ
hassl-4494	523	8	literacy	literacy	NOUN
hassl-4494	523	9	development	development	NOUN
hassl-4494	523	10	.	.	PUNCT
hassl-4494	524	1	innovation	innovation	NOUN
hassl-4494	524	2	in	in	ADP
hassl-4494	524	3	teaching	teaching	NOUN
hassl-4494	524	4	and	and	CCONJ
hassl-4494	524	5	learning	learn	VERB
hassl-4494	524	6	in	in	ADP
hassl-4494	524	7	information	information	NOUN
hassl-4494	524	8	and	and	CCONJ
hassl-4494	524	9	computer	computer	NOUN
hassl-4494	524	10	sciences	science	NOUN
hassl-4494	524	11	,	,	PUNCT
hassl-4494	524	12	5(4	5(4	NUM
hassl-4494	524	13	)	)	PUNCT
hassl-4494	524	14	,	,	PUNCT
hassl-4494	524	15	249	249	NUM
hassl-4494	524	16	-	-	SYM
hassl-4494	524	17	267	267	NUM
hassl-4494	524	18	.	.	PUNCT
hassl-4494	525	1	https://doi.org/10.11120/ital.2006.05040249	https://doi.org/10.11120/ital.2006.05040249	PROPN
hassl-4494	525	2	mattera	mattera	PROPN
hassl-4494	525	3	,	,	PUNCT
hassl-4494	525	4	m.	m.	NOUN
hassl-4494	525	5	,	,	PUNCT
hassl-4494	525	6	alba	alba	PROPN
hassl-4494	525	7	ruiz	ruiz	NOUN
hassl-4494	525	8	-	-	PUNCT
hassl-4494	525	9	morales	morale	NOUN
hassl-4494	525	10	,	,	PUNCT
hassl-4494	525	11	c.	c.	NOUN
hassl-4494	525	12	,	,	PUNCT
hassl-4494	525	13	gava	gava	PROPN
hassl-4494	525	14	,	,	PUNCT
hassl-4494	525	15	l.	l.	PROPN
hassl-4494	525	16	,	,	PUNCT
hassl-4494	525	17	&	&	CCONJ
hassl-4494	525	18	soto	soto	PROPN
hassl-4494	525	19	,	,	PUNCT
hassl-4494	525	20	f.	f.	PROPN
hassl-4494	525	21	(	(	PUNCT
hassl-4494	525	22	2022	2022	NUM
hassl-4494	525	23	)	)	PUNCT
hassl-4494	525	24	.	.	PUNCT
hassl-4494	526	1	sustainable	sustainable	ADJ
hassl-4494	526	2	business	business	NOUN
hassl-4494	526	3	models	model	NOUN
hassl-4494	526	4	to	to	PART
hassl-4494	526	5	create	create	VERB
hassl-4494	526	6	sustainable	sustainable	ADJ
hassl-4494	526	7	competitive	competitive	ADJ
hassl-4494	526	8	advantages	advantage	NOUN
hassl-4494	526	9	:	:	PUNCT
hassl-4494	526	10	strategic	strategic	ADJ
hassl-4494	526	11	approach	approach	NOUN
hassl-4494	526	12	to	to	ADP
hassl-4494	526	13	overcoming	overcome	VERB
hassl-4494	526	14	covid-19	covid-19	PROPN
hassl-4494	526	15	crisis	crisis	NOUN
hassl-4494	526	16	and	and	CCONJ
hassl-4494	526	17	improve	improve	VERB
hassl-4494	526	18	financial	financial	ADJ
hassl-4494	526	19	performance	performance	NOUN
hassl-4494	526	20	.	.	PUNCT
hassl-4494	527	1	competitiveness	competitiveness	NOUN
hassl-4494	527	2	review	review	NOUN
hassl-4494	527	3	,	,	PUNCT
hassl-4494	527	4	32(3	32(3	NUM
hassl-4494	527	5	)	)	PUNCT
hassl-4494	527	6	,	,	PUNCT
hassl-4494	527	7	455	455	NUM
hassl-4494	527	8	-	-	SYM
hassl-4494	527	9	474	474	NUM
hassl-4494	527	10	.	.	PUNCT
hassl-4494	528	1	https://doi.org/10.1108/cr-03-2021-0035	https://doi.org/10.1108/cr-03-2021-0035	PROPN
hassl-4494	528	2	mayfield	mayfield	PROPN
hassl-4494	528	3	,	,	PUNCT
hassl-4494	528	4	j.	j.	PROPN
hassl-4494	528	5	,	,	PUNCT
hassl-4494	528	6	mayfield	mayfield	PROPN
hassl-4494	528	7	,	,	PUNCT
hassl-4494	528	8	m.	m.	NOUN
hassl-4494	528	9	,	,	PUNCT
hassl-4494	528	10	&	&	CCONJ
hassl-4494	528	11	sharbrough	sharbrough	PROPN
hassl-4494	528	12	iii	iii	PROPN
hassl-4494	528	13	,	,	PUNCT
hassl-4494	528	14	w.	w.	PROPN
hassl-4494	528	15	c.	c.	PROPN
hassl-4494	528	16	(	(	PUNCT
hassl-4494	528	17	2015	2015	NUM
hassl-4494	528	18	)	)	PUNCT
hassl-4494	528	19	.	.	PUNCT
hassl-4494	529	1	strategic	strategic	ADJ
hassl-4494	529	2	vision	vision	NOUN
hassl-4494	529	3	and	and	CCONJ
hassl-4494	529	4	values	value	NOUN
hassl-4494	529	5	in	in	ADP
hassl-4494	529	6	top	top	ADJ
hassl-4494	529	7	leaders	leader	NOUN
hassl-4494	529	8	’	'	PUNCT
hassl-4494	529	9	communications	communication	NOUN
hassl-4494	529	10	:	:	PUNCT
hassl-4494	529	11	motivating	motivate	VERB
hassl-4494	529	12	language	language	NOUN
hassl-4494	529	13	at	at	ADP
hassl-4494	529	14	a	a	DET
hassl-4494	529	15	higher	high	ADJ
hassl-4494	529	16	level	level	NOUN
hassl-4494	529	17	.	.	PUNCT
hassl-4494	530	1	international	international	ADJ
hassl-4494	530	2	journal	journal	PROPN
hassl-4494	530	3	of	of	ADP
hassl-4494	530	4	business	business	NOUN
hassl-4494	530	5	communication	communication	NOUN
hassl-4494	530	6	,	,	PUNCT
hassl-4494	530	7	52(1	52(1	NOUN
hassl-4494	530	8	)	)	PUNCT
hassl-4494	530	9	,	,	PUNCT
hassl-4494	530	10	97	97	NUM
hassl-4494	530	11	-	-	SYM
hassl-4494	530	12	121	121	NUM
hassl-4494	530	13	.	.	PUNCT
hassl-4494	531	1	https://doi.org/10.1177/2329488414560282	https://doi.org/10.1177/2329488414560282	X
hassl-4494	531	2	modigliani	modigliani	PROPN
hassl-4494	531	3	,	,	PUNCT
hassl-4494	531	4	f.	f.	PROPN
hassl-4494	531	5	,	,	PUNCT
hassl-4494	531	6	&	&	CCONJ
hassl-4494	531	7	miller	miller	PROPN
hassl-4494	531	8	,	,	PUNCT
hassl-4494	531	9	m.	m.	NOUN
hassl-4494	531	10	h.	h.	PROPN
hassl-4494	531	11	(	(	PUNCT
hassl-4494	531	12	1958	1958	NUM
hassl-4494	531	13	)	)	PUNCT
hassl-4494	531	14	.	.	PUNCT
hassl-4494	532	1	the	the	DET
hassl-4494	532	2	cost	cost	NOUN
hassl-4494	532	3	of	of	ADP
hassl-4494	532	4	capital	capital	NOUN
hassl-4494	532	5	,	,	PUNCT
hassl-4494	532	6	corporation	corporation	NOUN
hassl-4494	532	7	finance	finance	NOUN
hassl-4494	532	8	,	,	PUNCT
hassl-4494	532	9	and	and	CCONJ
hassl-4494	532	10	the	the	DET
hassl-4494	532	11	theory	theory	NOUN
hassl-4494	532	12	of	of	ADP
hassl-4494	532	13	investment	investment	NOUN
hassl-4494	532	14	.	.	PUNCT
hassl-4494	533	1	american	american	PROPN
hassl-4494	533	2	economic	economic	PROPN
hassl-4494	533	3	review	review	PROPN
hassl-4494	533	4	,	,	PUNCT
hassl-4494	533	5	48(3	48(3	PROPN
hassl-4494	533	6	)	)	PUNCT
hassl-4494	533	7	,	,	PUNCT
hassl-4494	533	8	261	261	NUM
hassl-4494	533	9	-	-	SYM
hassl-4494	533	10	297	297	NUM
hassl-4494	533	11	.	.	PUNCT
hassl-4494	534	1	mohammadyari	mohammadyari	PROPN
hassl-4494	534	2	,	,	PUNCT
hassl-4494	534	3	s.	s.	PROPN
hassl-4494	534	4	,	,	PUNCT
hassl-4494	534	5	&	&	CCONJ
hassl-4494	534	6	singh	singh	PROPN
hassl-4494	534	7	,	,	PUNCT
hassl-4494	534	8	h.	h.	PROPN
hassl-4494	534	9	(	(	PUNCT
hassl-4494	534	10	2015	2015	NUM
hassl-4494	534	11	)	)	PUNCT
hassl-4494	534	12	.	.	PUNCT
hassl-4494	535	1	understanding	understand	VERB
hassl-4494	535	2	the	the	DET
hassl-4494	535	3	effect	effect	NOUN
hassl-4494	535	4	of	of	ADP
hassl-4494	535	5	e	e	NOUN
hassl-4494	535	6	-	-	NOUN
hassl-4494	535	7	learning	learn	VERB
hassl-4494	535	8	on	on	ADP
hassl-4494	535	9	individual	individual	ADJ
hassl-4494	535	10	performance	performance	NOUN
hassl-4494	535	11	:	:	PUNCT
hassl-4494	535	12	the	the	DET
hassl-4494	535	13	role	role	NOUN
hassl-4494	535	14	of	of	ADP
hassl-4494	535	15	digital	digital	ADJ
hassl-4494	535	16	literacy	literacy	NOUN
hassl-4494	535	17	.	.	PUNCT
hassl-4494	536	1	computers	computer	NOUN
hassl-4494	536	2	&	&	CCONJ
hassl-4494	536	3	education	education	PROPN
hassl-4494	536	4	,	,	PUNCT
hassl-4494	536	5	82	82	NUM
hassl-4494	536	6	,	,	PUNCT
hassl-4494	536	7	11	11	NUM
hassl-4494	536	8	-	-	SYM
hassl-4494	536	9	25	25	NUM
hassl-4494	536	10	.	.	PUNCT
hassl-4494	537	1	https://doi.org/10.1016/j.compedu.2014.10.025	https://doi.org/10.1016/j.compedu.2014.10.025	ADJ
hassl-4494	537	2	nedungadi	nedungadi	NOUN
hassl-4494	537	3	,	,	PUNCT
hassl-4494	537	4	p.	p.	PROPN
hassl-4494	537	5	p.	p.	PROPN
hassl-4494	537	6	,	,	PUNCT
hassl-4494	537	7	menon	menon	PROPN
hassl-4494	537	8	,	,	PUNCT
hassl-4494	537	9	r.	r.	PROPN
hassl-4494	537	10	,	,	PUNCT
hassl-4494	537	11	gutjahr	gutjahr	PROPN
hassl-4494	537	12	,	,	PUNCT
hassl-4494	537	13	g.	g.	PROPN
hassl-4494	537	14	,	,	PUNCT
hassl-4494	537	15	erickson	erickson	PROPN
hassl-4494	537	16	,	,	PUNCT
hassl-4494	537	17	l.	l.	PROPN
hassl-4494	537	18	,	,	PUNCT
hassl-4494	537	19	&	&	CCONJ
hassl-4494	537	20	raman	raman	PROPN
hassl-4494	537	21	,	,	PUNCT
hassl-4494	537	22	r.	r.	PROPN
hassl-4494	537	23	(	(	PUNCT
hassl-4494	537	24	2018	2018	NUM
hassl-4494	537	25	)	)	PUNCT
hassl-4494	537	26	.	.	PUNCT
hassl-4494	538	1	towards	towards	ADP
hassl-4494	538	2	an	an	DET
hassl-4494	538	3	inclusive	inclusive	ADJ
hassl-4494	538	4	digital	digital	ADJ
hassl-4494	538	5	literacy	literacy	NOUN
hassl-4494	538	6	framework	framework	NOUN
hassl-4494	538	7	for	for	ADP
hassl-4494	538	8	digital	digital	ADJ
hassl-4494	538	9	india	india	PROPN
hassl-4494	538	10	.	.	PUNCT
hassl-4494	539	1	education+	education+	PART
hassl-4494	539	2	training	training	NOUN
hassl-4494	539	3	,	,	PUNCT
hassl-4494	539	4	60(6	60(6	NOUN
hassl-4494	539	5	)	)	PUNCT
hassl-4494	539	6	,	,	PUNCT
hassl-4494	539	7	516	516	NUM
hassl-4494	539	8	-	-	SYM
hassl-4494	539	9	528	528	NUM
hassl-4494	539	10	.	.	PUNCT
hassl-4494	540	1	https://doi.org/10.1108/et-03-2018-0061	https://doi.org/10.1108/et-03-2018-0061	PROPN
hassl-4494	540	2	olsson	olsson	PROPN
hassl-4494	540	3	,	,	PUNCT
hassl-4494	540	4	a.	a.	PROPN
hassl-4494	540	5	k.	k.	PROPN
hassl-4494	540	6	,	,	PUNCT
hassl-4494	540	7	&	&	CCONJ
hassl-4494	540	8	bernhard	bernhard	PROPN
hassl-4494	540	9	,	,	PUNCT
hassl-4494	540	10	i.	i.	NOUN
hassl-4494	540	11	(	(	PUNCT
hassl-4494	540	12	2021	2021	NUM
hassl-4494	540	13	)	)	PUNCT
hassl-4494	540	14	.	.	PUNCT
hassl-4494	541	1	keeping	keep	VERB
hassl-4494	541	2	up	up	ADP
hassl-4494	541	3	the	the	DET
hassl-4494	541	4	pace	pace	NOUN
hassl-4494	541	5	of	of	ADP
hassl-4494	541	6	digitalization	digitalization	NOUN
hassl-4494	541	7	in	in	ADP
hassl-4494	541	8	small	small	ADJ
hassl-4494	541	9	businesses	business	NOUN
hassl-4494	541	10	–	–	PUNCT
hassl-4494	541	11	women	woman	NOUN
hassl-4494	541	12	entrepreneurs	entrepreneur	NOUN
hassl-4494	541	13	'	'	PART
hassl-4494	541	14	knowledge	knowledge	NOUN
hassl-4494	541	15	and	and	CCONJ
hassl-4494	541	16	use	use	NOUN
hassl-4494	541	17	of	of	ADP
hassl-4494	541	18	social	social	ADJ
hassl-4494	541	19	media	medium	NOUN
hassl-4494	541	20	.	.	PUNCT
hassl-4494	542	1	international	international	ADJ
hassl-4494	542	2	journal	journal	PROPN
hassl-4494	542	3	of	of	ADP
hassl-4494	542	4	entrepreneurial	entrepreneurial	ADJ
hassl-4494	542	5	behavior	behavior	NOUN
hassl-4494	542	6	&	&	CCONJ
hassl-4494	542	7	research	research	PROPN
hassl-4494	542	8	,	,	PUNCT
hassl-4494	542	9	27(2	27(2	NUM
hassl-4494	542	10	)	)	PUNCT
hassl-4494	542	11	,	,	PUNCT
hassl-4494	542	12	378	378	NUM
hassl-4494	542	13	-	-	SYM
hassl-4494	542	14	396	396	NUM
hassl-4494	542	15	.	.	PUNCT
hassl-4494	543	1	https://doi.org/10.1108/ijebr-10-2019-0615	https://doi.org/10.1108/ijebr-10-2019-0615	PROPN
hassl-4494	543	2	osano	osano	PROPN
hassl-4494	543	3	,	,	PUNCT
hassl-4494	543	4	h.	h.	PROPN
hassl-4494	543	5	m.	m.	PROPN
hassl-4494	543	6	,	,	PUNCT
hassl-4494	543	7	&	&	CCONJ
hassl-4494	543	8	languitone	languitone	PROPN
hassl-4494	543	9	,	,	PUNCT
hassl-4494	543	10	h.	h.	PROPN
hassl-4494	543	11	(	(	PUNCT
hassl-4494	543	12	2016	2016	NUM
hassl-4494	543	13	)	)	PUNCT
hassl-4494	543	14	.	.	PUNCT
hassl-4494	544	1	factors	factor	NOUN
hassl-4494	544	2	influencing	influence	VERB
hassl-4494	544	3	access	access	NOUN
hassl-4494	544	4	to	to	ADP
hassl-4494	544	5	finance	finance	NOUN
hassl-4494	544	6	by	by	ADP
hassl-4494	544	7	smes	sme	NOUN
hassl-4494	544	8	in	in	ADP
hassl-4494	544	9	mozambique	mozambique	PROPN
hassl-4494	544	10	:	:	PUNCT
hassl-4494	544	11	case	case	NOUN
hassl-4494	544	12	of	of	ADP
hassl-4494	544	13	smes	sme	NOUN
hassl-4494	544	14	in	in	ADP
hassl-4494	544	15	maputo	maputo	PROPN
hassl-4494	544	16	central	central	PROPN
hassl-4494	544	17	business	business	PROPN
hassl-4494	544	18	district	district	PROPN
hassl-4494	544	19	.	.	PUNCT
hassl-4494	545	1	journal	journal	PROPN
hassl-4494	545	2	of	of	ADP
hassl-4494	545	3	innovation	innovation	NOUN
hassl-4494	545	4	and	and	CCONJ
hassl-4494	545	5	entrepreneurship	entrepreneurship	NOUN
hassl-4494	545	6	,	,	PUNCT
hassl-4494	545	7	5	5	NUM
hassl-4494	545	8	,	,	PUNCT
hassl-4494	545	9	13	13	NUM
hassl-4494	545	10	.	.	PUNCT
hassl-4494	546	1	https://doi.org/10.1186/s13731-016-0041-0	https://doi.org/10.1186/s13731-016-0041-0	NUM
hassl-4494	546	2	pacheco	pacheco	PROPN
hassl-4494	546	3	,	,	PUNCT
hassl-4494	546	4	d.	d.	PROPN
hassl-4494	546	5	f.	f.	PROPN
hassl-4494	546	6	,	,	PUNCT
hassl-4494	546	7	dean	dean	PROPN
hassl-4494	546	8	,	,	PUNCT
hassl-4494	546	9	t.	t.	PROPN
hassl-4494	546	10	j.	j.	PROPN
hassl-4494	546	11	,	,	PUNCT
hassl-4494	546	12	&	&	CCONJ
hassl-4494	546	13	payne	payne	PROPN
hassl-4494	546	14	,	,	PUNCT
hassl-4494	546	15	d.	d.	PROPN
hassl-4494	546	16	s.	s.	PROPN
hassl-4494	546	17	(	(	PUNCT
hassl-4494	546	18	2010	2010	NUM
hassl-4494	546	19	)	)	PUNCT
hassl-4494	546	20	.	.	PUNCT
hassl-4494	547	1	escaping	escape	VERB
hassl-4494	547	2	the	the	DET
hassl-4494	547	3	green	green	ADJ
hassl-4494	547	4	prison	prison	NOUN
hassl-4494	547	5	:	:	PUNCT
hassl-4494	547	6	entrepreneurship	entrepreneurship	NOUN
hassl-4494	547	7	and	and	CCONJ
hassl-4494	547	8	the	the	DET
hassl-4494	547	9	creation	creation	NOUN
hassl-4494	547	10	of	of	ADP
hassl-4494	547	11	opportunities	opportunity	NOUN
hassl-4494	547	12	for	for	ADP
hassl-4494	547	13	sustainable	sustainable	ADJ
hassl-4494	547	14	development	development	NOUN
hassl-4494	547	15	.	.	PUNCT
hassl-4494	548	1	journal	journal	PROPN
hassl-4494	548	2	of	of	ADP
hassl-4494	548	3	business	business	NOUN
hassl-4494	548	4	venturing	venturing	NOUN
hassl-4494	548	5	,	,	PUNCT
hassl-4494	548	6	25(5	25(5	NUM
hassl-4494	548	7	)	)	PUNCT
hassl-4494	548	8	,	,	PUNCT
hassl-4494	548	9	464	464	NUM
hassl-4494	548	10	-	-	SYM
hassl-4494	548	11	480	480	NUM
hassl-4494	548	12	.	.	PUNCT
hassl-4494	549	1	https://doi.org/10.1016/j.jbusvent.2009.07.006	https://doi.org/10.1016/j.jbusvent.2009.07.006	ADJ
hassl-4494	549	2	rogers	roger	NOUN
hassl-4494	549	3	,	,	PUNCT
hassl-4494	549	4	e.	e.	PROPN
hassl-4494	549	5	m.	m.	PROPN
hassl-4494	549	6	(	(	PUNCT
hassl-4494	549	7	2003	2003	NUM
hassl-4494	549	8	)	)	PUNCT
hassl-4494	549	9	.	.	PUNCT
hassl-4494	550	1	diffusion	diffusion	NOUN
hassl-4494	550	2	of	of	ADP
hassl-4494	550	3	innovations	innovation	NOUN
hassl-4494	550	4	(	(	PUNCT
hassl-4494	550	5	5th	5th	ADJ
hassl-4494	550	6	ed	ed	NOUN
hassl-4494	550	7	.	.	PUNCT
hassl-4494	550	8	)	)	PUNCT
hassl-4494	550	9	.	.	PUNCT
hassl-4494	551	1	new	new	PROPN
hassl-4494	551	2	york	york	PROPN
hassl-4494	551	3	:	:	PUNCT
hassl-4494	551	4	free	free	ADJ
hassl-4494	551	5	press	press	NOUN
hassl-4494	551	6	.	.	PUNCT
hassl-4494	552	1	romanenko	romanenko	PROPN
hassl-4494	552	2	,	,	PUNCT
hassl-4494	552	3	e.	e.	PROPN
hassl-4494	552	4	v.	v.	PROPN
hassl-4494	552	5	,	,	PUNCT
hassl-4494	552	6	&	&	CCONJ
hassl-4494	552	7	rakhuba	rakhuba	PROPN
hassl-4494	552	8	,	,	PUNCT
hassl-4494	552	9	l.	l.	PROPN
hassl-4494	552	10	f.	f.	PROPN
hassl-4494	552	11	(	(	PUNCT
hassl-4494	552	12	2019	2019	NUM
hassl-4494	552	13	)	)	PUNCT
hassl-4494	552	14	.	.	PUNCT
hassl-4494	553	1	theory	theory	NOUN
hassl-4494	553	2	and	and	CCONJ
hassl-4494	553	3	methodology	methodology	NOUN
hassl-4494	553	4	of	of	ADP
hassl-4494	553	5	small	small	ADJ
hassl-4494	553	6	business	business	NOUN
hassl-4494	553	7	development	development	NOUN
hassl-4494	553	8	in	in	ADP
hassl-4494	553	9	an	an	DET
hassl-4494	553	10	innovative	innovative	ADJ
hassl-4494	553	11	economy	economy	NOUN
hassl-4494	553	12	.	.	PUNCT
hassl-4494	554	1	in	in	ADP
hassl-4494	554	2	proceedings	proceeding	NOUN
hassl-4494	554	3	of	of	ADP
hassl-4494	554	4	iscfec	iscfec	PROPN
hassl-4494	554	5	2018	2018	NUM
hassl-4494	554	6	advances	advance	NOUN
hassl-4494	554	7	in	in	ADP
hassl-4494	554	8	economics	economic	NOUN
hassl-4494	554	9	,	,	PUNCT
hassl-4494	554	10	business	business	NOUN
hassl-4494	554	11	and	and	CCONJ
hassl-4494	554	12	management	management	NOUN
hassl-4494	554	13	research	research	NOUN
hassl-4494	554	14	,	,	PUNCT
hassl-4494	554	15	(	(	PUNCT
hassl-4494	554	16	vol	vol	NOUN
hassl-4494	554	17	.	.	PUNCT
hassl-4494	555	1	47	47	NUM
hassl-4494	555	2	,	,	PUNCT
hassl-4494	555	3	pp	pp	ADJ
hassl-4494	555	4	.	.	PUNCT
hassl-4494	556	1	768–770	768–770	NUM
hassl-4494	556	2	)	)	PUNCT
hassl-4494	556	3	.	.	PUNCT
hassl-4494	557	1	paris	paris	PROPN
hassl-4494	557	2	:	:	PUNCT
hassl-4494	557	3	atlantis	atlantis	PROPN
hassl-4494	557	4	press	press	PROPN
hassl-4494	557	5	.	.	PUNCT
hassl-4494	558	1	rubens	ruben	NOUN
hassl-4494	558	2	,	,	PUNCT
hassl-4494	558	3	r.	r.	PROPN
hassl-4494	558	4	(	(	PUNCT
hassl-4494	558	5	2002	2002	NUM
hassl-4494	558	6	)	)	PUNCT
hassl-4494	558	7	.	.	PUNCT
hassl-4494	559	1	improving	improve	VERB
hassl-4494	559	2	the	the	DET
hassl-4494	559	3	competitiveness	competitiveness	NOUN
hassl-4494	559	4	of	of	ADP
hassl-4494	559	5	smes	sme	NOUN
hassl-4494	559	6	in	in	ADP
hassl-4494	559	7	developing	develop	VERB
hassl-4494	559	8	countries	country	NOUN
hassl-4494	559	9	the	the	DET
hassl-4494	559	10	role	role	NOUN
hassl-4494	559	11	of	of	ADP
hassl-4494	559	12	finance	finance	NOUN
hassl-4494	559	13	to	to	PART
hassl-4494	559	14	enhance	enhance	VERB
hassl-4494	559	15	enterprise	enterprise	NOUN
hassl-4494	559	16	development	development	NOUN
hassl-4494	559	17	.	.	PUNCT
hassl-4494	560	1	vienna	vienna	PROPN
hassl-4494	560	2	,	,	PUNCT
hassl-4494	560	3	austria	austria	PROPN
hassl-4494	560	4	:	:	PUNCT
hassl-4494	560	5	united	united	PROPN
hassl-4494	560	6	nations	nations	PROPN
hassl-4494	560	7	industrial	industrial	PROPN
hassl-4494	560	8	development	development	PROPN
hassl-4494	560	9	organization	organization	NOUN
hassl-4494	560	10	(	(	PUNCT
hassl-4494	560	11	unido	unido	NOUN
hassl-4494	560	12	)	)	PUNCT
hassl-4494	560	13	.	.	PUNCT
hassl-4494	561	1	sariwulan	sariwulan	NOUN
hassl-4494	561	2	,	,	PUNCT
hassl-4494	561	3	t.	t.	PROPN
hassl-4494	561	4	,	,	PUNCT
hassl-4494	561	5	suparno	suparno	PROPN
hassl-4494	561	6	,	,	PUNCT
hassl-4494	561	7	s.	s.	PROPN
hassl-4494	561	8	,	,	PUNCT
hassl-4494	561	9	disman	disman	NOUN
hassl-4494	561	10	,	,	PUNCT
hassl-4494	561	11	d.	d.	PROPN
hassl-4494	561	12	,	,	PUNCT
hassl-4494	561	13	ahman	ahman	PROPN
hassl-4494	561	14	,	,	PUNCT
hassl-4494	561	15	e.	e.	PROPN
hassl-4494	561	16	,	,	PUNCT
hassl-4494	561	17	&	&	CCONJ
hassl-4494	561	18	suwatno	suwatno	PROPN
hassl-4494	561	19	,	,	PUNCT
hassl-4494	561	20	s.	s.	PROPN
hassl-4494	561	21	(	(	PUNCT
hassl-4494	561	22	2020	2020	NUM
hassl-4494	561	23	)	)	PUNCT
hassl-4494	561	24	.	.	PUNCT
hassl-4494	562	1	entrepreneurial	entrepreneurial	ADJ
hassl-4494	562	2	performance	performance	NOUN
hassl-4494	562	3	:	:	PUNCT
hassl-4494	562	4	the	the	DET
hassl-4494	562	5	role	role	NOUN
hassl-4494	562	6	of	of	ADP
hassl-4494	562	7	literacy	literacy	NOUN
hassl-4494	562	8	and	and	CCONJ
hassl-4494	562	9	skills	skill	NOUN
hassl-4494	562	10	.	.	PUNCT
hassl-4494	563	1	the	the	DET
hassl-4494	563	2	journal	journal	NOUN
hassl-4494	563	3	of	of	ADP
hassl-4494	563	4	asian	asian	ADJ
hassl-4494	563	5	finance	finance	NOUN
hassl-4494	563	6	,	,	PUNCT
hassl-4494	563	7	economics	economic	NOUN
hassl-4494	563	8	and	and	CCONJ
hassl-4494	563	9	business	business	NOUN
hassl-4494	563	10	,	,	PUNCT
hassl-4494	563	11	7(11	7(11	NUM
hassl-4494	563	12	)	)	PUNCT
hassl-4494	563	13	,	,	PUNCT
hassl-4494	563	14	269	269	NUM
hassl-4494	563	15	-	-	SYM
hassl-4494	563	16	280	280	NUM
hassl-4494	563	17	.	.	PUNCT
hassl-4494	564	1	servon	servon	PROPN
hassl-4494	564	2	,	,	PUNCT
hassl-4494	564	3	l.	l.	PROPN
hassl-4494	564	4	j.	j.	PROPN
hassl-4494	564	5	,	,	PUNCT
hassl-4494	564	6	&	&	CCONJ
hassl-4494	564	7	kaestner	kaestner	PROPN
hassl-4494	564	8	,	,	PUNCT
hassl-4494	564	9	r.	r.	PROPN
hassl-4494	564	10	(	(	PUNCT
hassl-4494	564	11	2008	2008	NUM
hassl-4494	564	12	)	)	PUNCT
hassl-4494	564	13	.	.	PUNCT
hassl-4494	565	1	consumer	consumer	NOUN
hassl-4494	565	2	financial	financial	ADJ
hassl-4494	565	3	literacy	literacy	NOUN
hassl-4494	565	4	and	and	CCONJ
hassl-4494	565	5	the	the	DET
hassl-4494	565	6	impact	impact	NOUN
hassl-4494	565	7	of	of	ADP
hassl-4494	565	8	online	online	ADJ
hassl-4494	565	9	banking	banking	NOUN
hassl-4494	565	10	on	on	ADP
hassl-4494	565	11	the	the	DET
hassl-4494	565	12	financial	financial	ADJ
hassl-4494	565	13	behavior	behavior	NOUN
hassl-4494	565	14	of	of	ADP
hassl-4494	565	15	lower‐income	lower‐income	PROPN
hassl-4494	565	16	bank	bank	NOUN
hassl-4494	565	17	customers	customer	NOUN
hassl-4494	565	18	.	.	PUNCT
hassl-4494	566	1	the	the	DET
hassl-4494	566	2	journal	journal	NOUN
hassl-4494	566	3	of	of	ADP
hassl-4494	566	4	consumer	consumer	NOUN
hassl-4494	566	5	affairs	affair	NOUN
hassl-4494	566	6	,	,	PUNCT
hassl-4494	566	7	42(2	42(2	NOUN
hassl-4494	566	8	)	)	PUNCT
hassl-4494	566	9	,	,	PUNCT
hassl-4494	566	10	271	271	NUM
hassl-4494	566	11	-	-	SYM
hassl-4494	566	12	305	305	NUM
hassl-4494	566	13	.	.	PUNCT
hassl-4494	567	1	https://doi.org/10.1111/j.17456606.2008.00108.x	https://doi.org/10.1111/j.17456606.2008.00108.x	NUM
hassl-4494	567	2	shmueli	shmueli	ADJ
hassl-4494	567	3	,	,	PUNCT
hassl-4494	567	4	g.	g.	PROPN
hassl-4494	567	5	,	,	PUNCT
hassl-4494	567	6	sarstedt	sarstedt	NOUN
hassl-4494	567	7	,	,	PUNCT
hassl-4494	567	8	m.	m.	NOUN
hassl-4494	567	9	,	,	PUNCT
hassl-4494	567	10	hair	hair	NOUN
hassl-4494	567	11	,	,	PUNCT
hassl-4494	567	12	j.	j.	PROPN
hassl-4494	567	13	f.	f.	PROPN
hassl-4494	567	14	,	,	PUNCT
hassl-4494	567	15	cheah	cheah	PROPN
hassl-4494	567	16	,	,	PUNCT
hassl-4494	567	17	j.-h	j.-h	PROPN
hassl-4494	567	18	.	.	PUNCT
hassl-4494	567	19	,	,	PUNCT
hassl-4494	567	20	ting	ting	PROPN
hassl-4494	567	21	,	,	PUNCT
hassl-4494	567	22	h.	h.	PROPN
hassl-4494	567	23	,	,	PUNCT
hassl-4494	567	24	vaithilingam	vaithilingam	ADV
hassl-4494	567	25	,	,	PUNCT
hassl-4494	567	26	s.	s.	PROPN
hassl-4494	567	27	,	,	PUNCT
hassl-4494	567	28	&	&	CCONJ
hassl-4494	567	29	ringle	ringle	PROPN
hassl-4494	567	30	,	,	PUNCT
hassl-4494	567	31	c.	c.	PROPN
hassl-4494	567	32	m.	m.	NOUN
hassl-4494	567	33	(	(	PUNCT
hassl-4494	567	34	2019	2019	NUM
hassl-4494	567	35	)	)	PUNCT
hassl-4494	567	36	.	.	PUNCT
hassl-4494	568	1	predictive	predictive	ADJ
hassl-4494	568	2	model	model	NOUN
hassl-4494	568	3	assessment	assessment	NOUN
hassl-4494	568	4	in	in	ADP
hassl-4494	568	5	pls	pls	NOUN
hassl-4494	568	6	-	-	PUNCT
hassl-4494	568	7	sem	sem	NOUN
hassl-4494	568	8	:	:	PUNCT
hassl-4494	568	9	guidelines	guideline	NOUN
hassl-4494	568	10	for	for	ADP
hassl-4494	568	11	using	use	VERB
hassl-4494	568	12	plspredict	plspredict	PROPN
hassl-4494	568	13	.	.	PUNCT
hassl-4494	569	1	european	european	PROPN
hassl-4494	569	2	journal	journal	PROPN
hassl-4494	569	3	of	of	ADP
hassl-4494	569	4	marketing	marketing	NOUN
hassl-4494	569	5	,	,	PUNCT
hassl-4494	569	6	53(11	53(11	NUM
hassl-4494	569	7	)	)	PUNCT
hassl-4494	569	8	,	,	PUNCT
hassl-4494	569	9	2322	2322	NUM
hassl-4494	569	10	-	-	SYM
hassl-4494	569	11	2347	2347	NUM
hassl-4494	569	12	.	.	PUNCT
hassl-4494	570	1	https://doi.org/10.1108/ejm-02-2019-0189	https://doi.org/10.1108/ejm-02-2019-0189	PROPN
hassl-4494	570	2	shopova	shopova	PROPN
hassl-4494	570	3	,	,	PUNCT
hassl-4494	570	4	t.	t.	PROPN
hassl-4494	570	5	(	(	PUNCT
hassl-4494	570	6	2014	2014	NUM
hassl-4494	570	7	)	)	PUNCT
hassl-4494	570	8	.	.	PUNCT
hassl-4494	571	1	digital	digital	ADJ
hassl-4494	571	2	literacy	literacy	NOUN
hassl-4494	571	3	of	of	ADP
hassl-4494	571	4	students	student	NOUN
hassl-4494	571	5	and	and	CCONJ
hassl-4494	571	6	its	its	PRON
hassl-4494	571	7	improvement	improvement	NOUN
hassl-4494	571	8	at	at	ADP
hassl-4494	571	9	the	the	DET
hassl-4494	571	10	university	university	NOUN
hassl-4494	571	11	.	.	PUNCT
hassl-4494	572	1	journal	journal	PROPN
hassl-4494	572	2	on	on	ADP
hassl-4494	572	3	efficiency	efficiency	NOUN
hassl-4494	572	4	and	and	CCONJ
hassl-4494	572	5	responsibility	responsibility	NOUN
hassl-4494	572	6	in	in	ADP
hassl-4494	572	7	education	education	NOUN
hassl-4494	572	8	and	and	CCONJ
hassl-4494	572	9	science	science	NOUN
hassl-4494	572	10	,	,	PUNCT
hassl-4494	572	11	7(2	7(2	NUM
hassl-4494	572	12	)	)	PUNCT
hassl-4494	572	13	,	,	PUNCT
hassl-4494	572	14	26	26	NUM
hassl-4494	572	15	-	-	SYM
hassl-4494	572	16	32	32	NUM
hassl-4494	572	17	.	.	PUNCT
hassl-4494	573	1	https://doi.org/10.7160/eriesj.2014.070201	https://doi.org/10.7160/eriesj.2014.070201	PROPN
hassl-4494	573	2	singh	singh	PROPN
hassl-4494	573	3	,	,	PUNCT
hassl-4494	573	4	s.	s.	PROPN
hassl-4494	573	5	,	,	PUNCT
hassl-4494	573	6	&	&	CCONJ
hassl-4494	573	7	saini	saini	PROPN
hassl-4494	573	8	,	,	PUNCT
hassl-4494	573	9	s.	s.	PROPN
hassl-4494	573	10	(	(	PUNCT
hassl-4494	573	11	2018	2018	NUM
hassl-4494	573	12	)	)	PUNCT
hassl-4494	573	13	.	.	PUNCT
hassl-4494	574	1	microfinance	microfinance	NOUN
hassl-4494	574	2	and	and	CCONJ
hassl-4494	574	3	small	small	ADJ
hassl-4494	574	4	enterprise	enterprise	NOUN
hassl-4494	574	5	growth	growth	NOUN
hassl-4494	574	6	:	:	PUNCT
hassl-4494	574	7	a	a	DET
hassl-4494	574	8	study	study	NOUN
hassl-4494	574	9	of	of	ADP
hassl-4494	574	10	indian	indian	ADJ
hassl-4494	574	11	smes	smes	PROPN
hassl-4494	574	12	.	.	PUNCT
hassl-4494	575	1	journal	journal	PROPN
hassl-4494	575	2	of	of	ADP
hassl-4494	575	3	developmental	developmental	ADJ
hassl-4494	575	4	entrepreneurship	entrepreneurship	NOUN
hassl-4494	575	5	,	,	PUNCT
hassl-4494	575	6	23(2	23(2	NOUN
hassl-4494	575	7	)	)	PUNCT
hassl-4494	575	8	,	,	PUNCT
hassl-4494	575	9	185	185	NUM
hassl-4494	575	10	-	-	SYM
hassl-4494	575	11	203	203	NUM
hassl-4494	575	12	.	.	PUNCT
hassl-4494	576	1	https://doi.org/10.11120/ital.2006.05040249	https://doi.org/10.11120/ital.2006.05040249	PROPN
hassl-4494	576	2	https://doi.org/10.1108/cr-03-2021-0035	https://doi.org/10.1108/cr-03-2021-0035	PROPN
hassl-4494	576	3	https://doi.org/10.1177/2329488414560282	https://doi.org/10.1177/2329488414560282	VERB
hassl-4494	576	4	https://doi.org/10.1016/j.compedu.2014.10.025	https://doi.org/10.1016/j.compedu.2014.10.025	ADJ
hassl-4494	576	5	https://doi.org/10.1108/et-03-2018-0061	https://doi.org/10.1108/et-03-2018-0061	PROPN
hassl-4494	576	6	https://doi.org/10.1108/ijebr-10-2019-0615	https://doi.org/10.1108/ijebr-10-2019-0615	CCONJ
hassl-4494	576	7	https://doi.org/10.1186/s13731-016-0041-0	https://doi.org/10.1186/s13731-016-0041-0	VERB
hassl-4494	576	8	https://doi.org/10.1016/j.jbusvent.2009.07.006	https://doi.org/10.1016/j.jbusvent.2009.07.006	PROPN
hassl-4494	576	9	https://doi.org/10.1111/j.1745-6606.2008.00108.x	https://doi.org/10.1111/j.1745-6606.2008.00108.x	ADV
hassl-4494	576	10	https://doi.org/10.1111/j.1745-6606.2008.00108.x	https://doi.org/10.1111/j.1745-6606.2008.00108.x	ADJ
hassl-4494	576	11	https://doi.org/10.1108/ejm-02-2019-0189	https://doi.org/10.1108/ejm-02-2019-0189	NOUN
hassl-4494	576	12	https://doi.org/10.7160/eriesj.2014.070201	https://doi.org/10.7160/eriesj.2014.070201	NOUN
hassl-4494	576	13	humanities	humanity	NOUN
hassl-4494	576	14	and	and	CCONJ
hassl-4494	576	15	social	social	ADJ
hassl-4494	576	16	sciences	science	NOUN
hassl-4494	576	17	letters	letter	NOUN
hassl-4494	576	18	,	,	PUNCT
hassl-4494	576	19	2025	2025	NUM
hassl-4494	576	20	,	,	PUNCT
hassl-4494	576	21	13(4	13(4	NUM
hassl-4494	576	22	):	):	PUNCT
hassl-4494	576	23	1287	1287	NUM
hassl-4494	576	24	-	-	SYM
hassl-4494	576	25	1303	1303	NUM
hassl-4494	576	26	1303	1303	NUM
hassl-4494	576	27	©	©	PROPN
hassl-4494	576	28	2025	2025	NUM
hassl-4494	576	29	conscientia	conscientia	PROPN
hassl-4494	576	30	beam	beam	PROPN
hassl-4494	576	31	.	.	PUNCT
hassl-4494	577	1	all	all	DET
hassl-4494	577	2	rights	right	NOUN
hassl-4494	577	3	reserved	reserve	VERB
hassl-4494	577	4	.	.	PUNCT
hassl-4494	578	1	sovacool	sovacool	PROPN
hassl-4494	578	2	,	,	PUNCT
hassl-4494	578	3	b.	b.	PROPN
hassl-4494	578	4	k.	k.	PROPN
hassl-4494	578	5	(	(	PUNCT
hassl-4494	578	6	2018	2018	NUM
hassl-4494	578	7	)	)	PUNCT
hassl-4494	578	8	.	.	PUNCT
hassl-4494	579	1	success	success	NOUN
hassl-4494	579	2	and	and	CCONJ
hassl-4494	579	3	failure	failure	NOUN
hassl-4494	579	4	in	in	ADP
hassl-4494	579	5	the	the	DET
hassl-4494	579	6	political	political	ADJ
hassl-4494	579	7	economy	economy	NOUN
hassl-4494	579	8	of	of	ADP
hassl-4494	579	9	solar	solar	ADJ
hassl-4494	579	10	electrification	electrification	NOUN
hassl-4494	579	11	:	:	PUNCT
hassl-4494	579	12	lessons	lesson	NOUN
hassl-4494	579	13	from	from	ADP
hassl-4494	579	14	world	world	PROPN
hassl-4494	579	15	bank	bank	PROPN
hassl-4494	579	16	solar	solar	ADJ
hassl-4494	579	17	home	home	NOUN
hassl-4494	579	18	system	system	NOUN
hassl-4494	579	19	(	(	PUNCT
hassl-4494	579	20	shs	shs	NOUN
hassl-4494	579	21	)	)	PUNCT
hassl-4494	579	22	projects	project	NOUN
hassl-4494	579	23	in	in	ADP
hassl-4494	579	24	sri	sri	PROPN
hassl-4494	579	25	lanka	lanka	PROPN
hassl-4494	579	26	and	and	CCONJ
hassl-4494	579	27	indonesia	indonesia	PROPN
hassl-4494	579	28	.	.	PUNCT
hassl-4494	580	1	energy	energy	NOUN
hassl-4494	580	2	policy	policy	NOUN
hassl-4494	580	3	,	,	PUNCT
hassl-4494	580	4	123	123	NUM
hassl-4494	580	5	,	,	PUNCT
hassl-4494	580	6	482	482	NUM
hassl-4494	580	7	-	-	SYM
hassl-4494	580	8	493	493	NUM
hassl-4494	580	9	.	.	PUNCT
hassl-4494	581	1	https://doi.org/10.1016/j.enpol.2018.09.024	https://doi.org/10.1016/j.enpol.2018.09.024	PROPN
hassl-4494	581	2	sujarwo	sujarwo	PROPN
hassl-4494	581	3	,	,	PUNCT
hassl-4494	581	4	s.	s.	PROPN
hassl-4494	581	5	,	,	PUNCT
hassl-4494	581	6	tristanti	tristanti	PROPN
hassl-4494	581	7	,	,	PUNCT
hassl-4494	581	8	t.	t.	PROPN
hassl-4494	581	9	,	,	PUNCT
hassl-4494	581	10	&	&	CCONJ
hassl-4494	581	11	kusumawardani	kusumawardani	PROPN
hassl-4494	581	12	,	,	PUNCT
hassl-4494	581	13	e.	e.	PROPN
hassl-4494	581	14	(	(	PUNCT
hassl-4494	581	15	2022	2022	NUM
hassl-4494	581	16	)	)	PUNCT
hassl-4494	581	17	.	.	PUNCT
hassl-4494	582	1	digital	digital	ADJ
hassl-4494	582	2	literacy	literacy	NOUN
hassl-4494	582	3	model	model	NOUN
hassl-4494	582	4	to	to	PART
hassl-4494	582	5	empower	empower	VERB
hassl-4494	582	6	women	woman	NOUN
hassl-4494	582	7	using	use	VERB
hassl-4494	582	8	community	community	NOUN
hassl-4494	582	9	-	-	PUNCT
hassl-4494	582	10	based	base	VERB
hassl-4494	582	11	education	education	NOUN
hassl-4494	582	12	approach	approach	NOUN
hassl-4494	582	13	.	.	PUNCT
hassl-4494	583	1	world	world	PROPN
hassl-4494	583	2	journal	journal	PROPN
hassl-4494	583	3	on	on	ADP
hassl-4494	583	4	educational	educational	ADJ
hassl-4494	583	5	technology	technology	NOUN
hassl-4494	583	6	:	:	PUNCT
hassl-4494	583	7	current	current	ADJ
hassl-4494	583	8	issues	issue	NOUN
hassl-4494	583	9	,	,	PUNCT
hassl-4494	583	10	14(1	14(1	NUM
hassl-4494	583	11	)	)	PUNCT
hassl-4494	583	12	,	,	PUNCT
hassl-4494	583	13	175	175	NUM
hassl-4494	583	14	-	-	SYM
hassl-4494	583	15	188	188	NUM
hassl-4494	583	16	.	.	PUNCT
hassl-4494	583	17	https://doi.org/10.18844/wjet.v14i1.6714	https://doi.org/10.18844/wjet.v14i1.6714	NUM
hassl-4494	583	18	sulistianingsih	sulistianingsih	PROPN
hassl-4494	583	19	,	,	PUNCT
hassl-4494	583	20	h.	h.	PROPN
hassl-4494	583	21	,	,	PUNCT
hassl-4494	583	22	&	&	CCONJ
hassl-4494	583	23	santi	santi	PROPN
hassl-4494	583	24	,	,	PUNCT
hassl-4494	583	25	f.	f.	PROPN
hassl-4494	583	26	(	(	PUNCT
hassl-4494	583	27	2023	2023	NUM
hassl-4494	583	28	)	)	PUNCT
hassl-4494	583	29	.	.	PUNCT
hassl-4494	584	1	does	do	AUX
hassl-4494	584	2	sme	sme	PROPN
hassl-4494	584	3	’s	’s	PART
hassl-4494	584	4	financing	financing	NOUN
hassl-4494	584	5	decisions	decision	NOUN
hassl-4494	584	6	follow	follow	VERB
hassl-4494	584	7	pecking	pecking	NOUN
hassl-4494	584	8	order	order	NOUN
hassl-4494	584	9	pattern	pattern	NOUN
hassl-4494	584	10	?	?	PUNCT
hassl-4494	585	1	the	the	DET
hassl-4494	585	2	role	role	NOUN
hassl-4494	585	3	of	of	ADP
hassl-4494	585	4	financial	financial	ADJ
hassl-4494	585	5	literacy	literacy	NOUN
hassl-4494	585	6	,	,	PUNCT
hassl-4494	585	7	risk	risk	NOUN
hassl-4494	585	8	preference	preference	NOUN
hassl-4494	585	9	,	,	PUNCT
hassl-4494	585	10	and	and	CCONJ
hassl-4494	585	11	home	home	NOUN
hassl-4494	585	12	bias	bias	NOUN
hassl-4494	585	13	in	in	ADP
hassl-4494	585	14	sme	sme	NOUN
hassl-4494	585	15	financing	financing	NOUN
hassl-4494	585	16	decisions	decision	NOUN
hassl-4494	585	17	.	.	PUNCT
hassl-4494	586	1	cogent	cogent	NOUN
hassl-4494	586	2	business	business	PROPN
hassl-4494	586	3	&	&	CCONJ
hassl-4494	586	4	management	management	PROPN
hassl-4494	586	5	,	,	PUNCT
hassl-4494	586	6	10(1	10(1	NUM
hassl-4494	586	7	)	)	PUNCT
hassl-4494	586	8	,	,	PUNCT
hassl-4494	586	9	2174477	2174477	NUM
hassl-4494	586	10	.	.	PUNCT
hassl-4494	587	1	https://doi.org/10.1080/23311975.2023.2174477	https://doi.org/10.1080/23311975.2023.2174477	PROPN
hassl-4494	587	2	suparno	suparno	PROPN
hassl-4494	587	3	,	,	PUNCT
hassl-4494	587	4	s.	s.	PROPN
hassl-4494	587	5	,	,	PUNCT
hassl-4494	587	6	purwana	purwana	PROPN
hassl-4494	587	7	,	,	PUNCT
hassl-4494	587	8	d.	d.	PROPN
hassl-4494	587	9	,	,	PUNCT
hassl-4494	587	10	wibowo	wibowo	PROPN
hassl-4494	587	11	,	,	PUNCT
hassl-4494	587	12	a.	a.	PROPN
hassl-4494	587	13	,	,	PUNCT
hassl-4494	587	14	&	&	CCONJ
hassl-4494	587	15	narmaditya	narmaditya	PROPN
hassl-4494	587	16	,	,	PUNCT
hassl-4494	587	17	b.	b.	PROPN
hassl-4494	587	18	s.	s.	PROPN
hassl-4494	587	19	(	(	PUNCT
hassl-4494	587	20	2023	2023	NUM
hassl-4494	587	21	)	)	PUNCT
hassl-4494	587	22	.	.	PUNCT
hassl-4494	588	1	industrial	industrial	ADJ
hassl-4494	588	2	education	education	NOUN
hassl-4494	588	3	4.0	4.0	NUM
hassl-4494	588	4	:	:	PUNCT
hassl-4494	588	5	the	the	DET
hassl-4494	588	6	role	role	NOUN
hassl-4494	588	7	of	of	ADP
hassl-4494	588	8	human	human	ADJ
hassl-4494	588	9	,	,	PUNCT
hassl-4494	588	10	technology	technology	NOUN
hassl-4494	588	11	,	,	PUNCT
hassl-4494	588	12	and	and	CCONJ
hassl-4494	588	13	data	datum	NOUN
hassl-4494	588	14	literacy	literacy	NOUN
hassl-4494	588	15	.	.	PUNCT
hassl-4494	589	1	journal	journal	NOUN
hassl-4494	589	2	of	of	ADP
hassl-4494	589	3	media	medium	NOUN
hassl-4494	589	4	literacy	literacy	NOUN
hassl-4494	589	5	education	education	NOUN
hassl-4494	589	6	,	,	PUNCT
hassl-4494	589	7	15(3	15(3	NUM
hassl-4494	589	8	)	)	PUNCT
hassl-4494	589	9	,	,	PUNCT
hassl-4494	589	10	27	27	NUM
hassl-4494	589	11	-	-	SYM
hassl-4494	589	12	40	40	NUM
hassl-4494	589	13	.	.	PUNCT
hassl-4494	590	1	https://doi.org/10.23860/jmle-2023-15-3-3	https://doi.org/10.23860/jmle-2023-15-3-3	PROPN
hassl-4494	590	2	surya	surya	PROPN
hassl-4494	590	3	,	,	PUNCT
hassl-4494	590	4	b.	b.	PROPN
hassl-4494	590	5	,	,	PUNCT
hassl-4494	590	6	menne	menne	PROPN
hassl-4494	590	7	,	,	PUNCT
hassl-4494	590	8	f.	f.	PROPN
hassl-4494	590	9	,	,	PUNCT
hassl-4494	590	10	sabhan	sabhan	PROPN
hassl-4494	590	11	,	,	PUNCT
hassl-4494	590	12	h.	h.	PROPN
hassl-4494	590	13	,	,	PUNCT
hassl-4494	590	14	suriani	suriani	PROPN
hassl-4494	590	15	,	,	PUNCT
hassl-4494	590	16	s.	s.	PROPN
hassl-4494	590	17	,	,	PUNCT
hassl-4494	590	18	abubakar	abubakar	PROPN
hassl-4494	590	19	,	,	PUNCT
hassl-4494	590	20	h.	h.	PROPN
hassl-4494	590	21	,	,	PUNCT
hassl-4494	590	22	&	&	CCONJ
hassl-4494	590	23	idris	idris	PROPN
hassl-4494	590	24	,	,	PUNCT
hassl-4494	590	25	m.	m.	NOUN
hassl-4494	590	26	(	(	PUNCT
hassl-4494	590	27	2021	2021	NUM
hassl-4494	590	28	)	)	PUNCT
hassl-4494	590	29	.	.	PUNCT
hassl-4494	591	1	economic	economic	ADJ
hassl-4494	591	2	growth	growth	NOUN
hassl-4494	591	3	,	,	PUNCT
hassl-4494	591	4	increasing	increase	VERB
hassl-4494	591	5	productivity	productivity	NOUN
hassl-4494	591	6	of	of	ADP
hassl-4494	591	7	smes	sme	NOUN
hassl-4494	591	8	,	,	PUNCT
hassl-4494	591	9	and	and	CCONJ
hassl-4494	591	10	open	open	ADJ
hassl-4494	591	11	innovation	innovation	NOUN
hassl-4494	591	12	.	.	PUNCT
hassl-4494	592	1	journal	journal	NOUN
hassl-4494	592	2	of	of	ADP
hassl-4494	592	3	open	open	ADJ
hassl-4494	592	4	innovation	innovation	NOUN
hassl-4494	592	5	:	:	PUNCT
hassl-4494	592	6	technology	technology	NOUN
hassl-4494	592	7	,	,	PUNCT
hassl-4494	592	8	market	market	NOUN
hassl-4494	592	9	,	,	PUNCT
hassl-4494	592	10	and	and	CCONJ
hassl-4494	592	11	complexity	complexity	NOUN
hassl-4494	592	12	,	,	PUNCT
hassl-4494	592	13	7(1	7(1	NUM
hassl-4494	592	14	)	)	PUNCT
hassl-4494	592	15	,	,	PUNCT
hassl-4494	592	16	20	20	NUM
hassl-4494	592	17	.	.	PUNCT
hassl-4494	593	1	https://doi.org/10.3390/joitmc7010020	https://doi.org/10.3390/joitmc7010020	PROPN
hassl-4494	593	2	tabachnick	tabachnick	ADV
hassl-4494	593	3	,	,	PUNCT
hassl-4494	593	4	b.	b.	PROPN
hassl-4494	593	5	g.	g.	PROPN
hassl-4494	593	6	,	,	PUNCT
hassl-4494	593	7	&	&	CCONJ
hassl-4494	593	8	fidell	fidell	PROPN
hassl-4494	593	9	,	,	PUNCT
hassl-4494	593	10	l.	l.	PROPN
hassl-4494	593	11	s.	s.	PROPN
hassl-4494	593	12	(	(	PUNCT
hassl-4494	593	13	2007	2007	NUM
hassl-4494	593	14	)	)	PUNCT
hassl-4494	593	15	.	.	PUNCT
hassl-4494	594	1	using	use	VERB
hassl-4494	594	2	multivariate	multivariate	NOUN
hassl-4494	594	3	statistics	statistic	NOUN
hassl-4494	594	4	(	(	PUNCT
hassl-4494	594	5	c.	c.	PROPN
hassl-4494	594	6	campanella	campanella	PROPN
hassl-4494	594	7	,	,	PUNCT
hassl-4494	594	8	ed	ed	NOUN
hassl-4494	594	9	.	.	PUNCT
hassl-4494	594	10	)	)	PUNCT
hassl-4494	595	1	(	(	PUNCT
hassl-4494	595	2	6th	6th	ADJ
hassl-4494	595	3	ed	ed	NOUN
hassl-4494	595	4	.	.	PUNCT
hassl-4494	595	5	)	)	PUNCT
hassl-4494	595	6	.	.	PUNCT
hassl-4494	596	1	boston	boston	PROPN
hassl-4494	596	2	,	,	PUNCT
hassl-4494	596	3	ma	ma	PROPN
hassl-4494	596	4	:	:	PUNCT
hassl-4494	596	5	pearson	pearson	PROPN
hassl-4494	596	6	education	education	PROPN
hassl-4494	596	7	,	,	PUNCT
hassl-4494	596	8	prentice	prentice	NOUN
hassl-4494	596	9	hall	hall	PROPN
hassl-4494	596	10	.	.	PUNCT
hassl-4494	597	1	taneja	taneja	PROPN
hassl-4494	597	2	,	,	PUNCT
hassl-4494	597	3	s.	s.	PROPN
hassl-4494	597	4	,	,	PUNCT
hassl-4494	597	5	goyal	goyal	PROPN
hassl-4494	597	6	,	,	PUNCT
hassl-4494	597	7	a.	a.	NOUN
hassl-4494	597	8	,	,	PUNCT
hassl-4494	597	9	&	&	CCONJ
hassl-4494	597	10	singh	singh	PROPN
hassl-4494	597	11	,	,	PUNCT
hassl-4494	597	12	r.	r.	PROPN
hassl-4494	597	13	(	(	PUNCT
hassl-4494	597	14	2018	2018	NUM
hassl-4494	597	15	)	)	PUNCT
hassl-4494	597	16	.	.	PUNCT
hassl-4494	598	1	the	the	DET
hassl-4494	598	2	role	role	NOUN
hassl-4494	598	3	of	of	ADP
hassl-4494	598	4	credit	credit	NOUN
hassl-4494	598	5	facilities	facility	NOUN
hassl-4494	598	6	and	and	CCONJ
hassl-4494	598	7	digital	digital	ADJ
hassl-4494	598	8	skills	skill	NOUN
hassl-4494	598	9	in	in	ADP
hassl-4494	598	10	enhancing	enhance	VERB
hassl-4494	598	11	msme	msme	NOUN
hassl-4494	598	12	growth	growth	NOUN
hassl-4494	598	13	.	.	PUNCT
hassl-4494	599	1	international	international	ADJ
hassl-4494	599	2	journal	journal	PROPN
hassl-4494	599	3	of	of	ADP
hassl-4494	599	4	business	business	NOUN
hassl-4494	599	5	and	and	CCONJ
hassl-4494	599	6	technology	technology	NOUN
hassl-4494	599	7	,	,	PUNCT
hassl-4494	599	8	7(4	7(4	NUM
hassl-4494	599	9	)	)	PUNCT
hassl-4494	599	10	,	,	PUNCT
hassl-4494	599	11	102	102	NUM
hassl-4494	599	12	-	-	SYM
hassl-4494	599	13	118	118	NUM
hassl-4494	599	14	.	.	PUNCT
hassl-4494	600	1	teece	teece	PROPN
hassl-4494	600	2	,	,	PUNCT
hassl-4494	600	3	d.	d.	PROPN
hassl-4494	600	4	j.	j.	PROPN
hassl-4494	600	5	(	(	PUNCT
hassl-4494	600	6	2007	2007	NUM
hassl-4494	600	7	)	)	PUNCT
hassl-4494	600	8	.	.	PUNCT
hassl-4494	601	1	explicating	explicate	VERB
hassl-4494	601	2	dynamic	dynamic	ADJ
hassl-4494	601	3	capabilities	capability	NOUN
hassl-4494	601	4	:	:	PUNCT
hassl-4494	601	5	the	the	DET
hassl-4494	601	6	nature	nature	NOUN
hassl-4494	601	7	and	and	CCONJ
hassl-4494	601	8	microfoundations	microfoundation	NOUN
hassl-4494	601	9	of	of	ADP
hassl-4494	601	10	(	(	PUNCT
hassl-4494	601	11	sustainable	sustainable	ADJ
hassl-4494	601	12	)	)	PUNCT
hassl-4494	601	13	enterprise	enterprise	NOUN
hassl-4494	601	14	performance	performance	NOUN
hassl-4494	601	15	.	.	PUNCT
hassl-4494	602	1	strategic	strategic	ADJ
hassl-4494	602	2	management	management	NOUN
hassl-4494	602	3	journal	journal	NOUN
hassl-4494	602	4	,	,	PUNCT
hassl-4494	602	5	28(13	28(13	NUM
hassl-4494	602	6	)	)	PUNCT
hassl-4494	602	7	,	,	PUNCT
hassl-4494	602	8	1319	1319	NUM
hassl-4494	602	9	-	-	SYM
hassl-4494	602	10	1350	1350	NUM
hassl-4494	602	11	.	.	PUNCT
hassl-4494	603	1	https://doi.org/10.1002/smj.640	https://doi.org/10.1002/smj.640	NOUN
hassl-4494	603	2	truby	truby	PROPN
hassl-4494	603	3	,	,	PUNCT
hassl-4494	603	4	j.	j.	PROPN
hassl-4494	603	5	(	(	PUNCT
hassl-4494	603	6	2018	2018	NUM
hassl-4494	603	7	)	)	PUNCT
hassl-4494	603	8	.	.	PUNCT
hassl-4494	604	1	fintech	fintech	NOUN
hassl-4494	604	2	and	and	CCONJ
hassl-4494	604	3	the	the	DET
hassl-4494	604	4	city	city	NOUN
hassl-4494	604	5	:	:	PUNCT
hassl-4494	604	6	sandbox	sandbox	NOUN
hassl-4494	604	7	2.0	2.0	NUM
hassl-4494	604	8	policy	policy	NOUN
hassl-4494	604	9	and	and	CCONJ
hassl-4494	604	10	regulatory	regulatory	ADJ
hassl-4494	604	11	reform	reform	NOUN
hassl-4494	604	12	proposals	proposal	NOUN
hassl-4494	604	13	.	.	PUNCT
hassl-4494	605	1	international	international	ADJ
hassl-4494	605	2	review	review	NOUN
hassl-4494	605	3	of	of	ADP
hassl-4494	605	4	law	law	NOUN
hassl-4494	605	5	,	,	PUNCT
hassl-4494	605	6	computers	computer	NOUN
hassl-4494	605	7	&	&	CCONJ
hassl-4494	605	8	technology	technology	NOUN
hassl-4494	605	9	,	,	PUNCT
hassl-4494	605	10	34(3	34(3	NUM
hassl-4494	605	11	)	)	PUNCT
hassl-4494	605	12	,	,	PUNCT
hassl-4494	605	13	277	277	NUM
hassl-4494	605	14	-	-	SYM
hassl-4494	605	15	309	309	NUM
hassl-4494	605	16	.	.	PUNCT
hassl-4494	606	1	https://doi.org/10.1080/13600869.2018.1546542	https://doi.org/10.1080/13600869.2018.1546542	PROPN
hassl-4494	606	2	udayana	udayana	PROPN
hassl-4494	606	3	,	,	PUNCT
hassl-4494	606	4	i.	i.	PROPN
hassl-4494	606	5	b.	b.	PROPN
hassl-4494	606	6	n.	n.	PROPN
hassl-4494	606	7	,	,	PUNCT
hassl-4494	606	8	farida	farida	PROPN
hassl-4494	606	9	,	,	PUNCT
hassl-4494	606	10	n.	n.	NOUN
hassl-4494	606	11	,	,	PUNCT
hassl-4494	606	12	lukitaningsih	lukitaningsih	PROPN
hassl-4494	606	13	,	,	PUNCT
hassl-4494	606	14	a.	a.	NOUN
hassl-4494	606	15	,	,	PUNCT
hassl-4494	606	16	tjahjono	tjahjono	ADV
hassl-4494	606	17	,	,	PUNCT
hassl-4494	606	18	h.	h.	PROPN
hassl-4494	606	19	k.	k.	PROPN
hassl-4494	606	20	,	,	PUNCT
hassl-4494	606	21	&	&	CCONJ
hassl-4494	606	22	nuryakin	nuryakin	PROPN
hassl-4494	606	23	.	.	PUNCT
hassl-4494	607	1	(	(	PUNCT
hassl-4494	607	2	2021	2021	NUM
hassl-4494	607	3	)	)	PUNCT
hassl-4494	607	4	.	.	PUNCT
hassl-4494	608	1	the	the	DET
hassl-4494	608	2	important	important	ADJ
hassl-4494	608	3	role	role	NOUN
hassl-4494	608	4	of	of	ADP
hassl-4494	608	5	customer	customer	NOUN
hassl-4494	608	6	bonding	bonding	NOUN
hassl-4494	608	7	capability	capability	NOUN
hassl-4494	608	8	to	to	PART
hassl-4494	608	9	increase	increase	VERB
hassl-4494	608	10	marketing	marketing	NOUN
hassl-4494	608	11	performance	performance	NOUN
hassl-4494	608	12	in	in	ADP
hassl-4494	608	13	small	small	ADJ
hassl-4494	608	14	and	and	CCONJ
hassl-4494	608	15	medium	medium	ADJ
hassl-4494	608	16	enterprises	enterprise	NOUN
hassl-4494	608	17	.	.	PUNCT
hassl-4494	609	1	cogent	cogent	NOUN
hassl-4494	609	2	business	business	PROPN
hassl-4494	609	3	&	&	CCONJ
hassl-4494	609	4	management	management	PROPN
hassl-4494	609	5	,	,	PUNCT
hassl-4494	609	6	8(1	8(1	NOUN
hassl-4494	609	7	)	)	PUNCT
hassl-4494	609	8	,	,	PUNCT
hassl-4494	609	9	1932239	1932239	NUM
hassl-4494	609	10	.	.	PUNCT
hassl-4494	610	1	https://doi.org/10.1080/23311975.2021.1932239	https://doi.org/10.1080/23311975.2021.1932239	PROPN
hassl-4494	610	2	van	van	PROPN
hassl-4494	610	3	gelderen	gelderen	PROPN
hassl-4494	610	4	,	,	PUNCT
hassl-4494	610	5	m.	m.	NOUN
hassl-4494	610	6	,	,	PUNCT
hassl-4494	610	7	brand	brand	NOUN
hassl-4494	610	8	,	,	PUNCT
hassl-4494	610	9	m.	m.	NOUN
hassl-4494	610	10	,	,	PUNCT
hassl-4494	610	11	van	van	PROPN
hassl-4494	610	12	praag	praag	NOUN
hassl-4494	610	13	,	,	PUNCT
hassl-4494	610	14	m.	m.	NOUN
hassl-4494	610	15	,	,	PUNCT
hassl-4494	610	16	bodewes	bodewe	NOUN
hassl-4494	610	17	,	,	PUNCT
hassl-4494	610	18	w.	w.	PROPN
hassl-4494	610	19	,	,	PUNCT
hassl-4494	610	20	poutsma	poutsma	PROPN
hassl-4494	610	21	,	,	PUNCT
hassl-4494	610	22	e.	e.	PROPN
hassl-4494	610	23	,	,	PUNCT
hassl-4494	610	24	&	&	CCONJ
hassl-4494	610	25	van	van	PROPN
hassl-4494	610	26	gils	gil	NOUN
hassl-4494	610	27	,	,	PUNCT
hassl-4494	610	28	a.	a.	NOUN
hassl-4494	610	29	(	(	PUNCT
hassl-4494	610	30	2008	2008	NUM
hassl-4494	610	31	)	)	PUNCT
hassl-4494	610	32	.	.	PUNCT
hassl-4494	611	1	explaining	explain	VERB
hassl-4494	611	2	entrepreneurial	entrepreneurial	ADJ
hassl-4494	611	3	intentions	intention	NOUN
hassl-4494	611	4	by	by	ADP
hassl-4494	611	5	means	mean	NOUN
hassl-4494	611	6	of	of	ADP
hassl-4494	611	7	the	the	DET
hassl-4494	611	8	theory	theory	NOUN
hassl-4494	611	9	of	of	ADP
hassl-4494	611	10	planned	plan	VERB
hassl-4494	611	11	behaviour	behaviour	NOUN
hassl-4494	611	12	.	.	PUNCT
hassl-4494	612	1	career	career	NOUN
hassl-4494	612	2	development	development	PROPN
hassl-4494	612	3	international	international	PROPN
hassl-4494	612	4	,	,	PUNCT
hassl-4494	612	5	13(6	13(6	PROPN
hassl-4494	612	6	)	)	PUNCT
hassl-4494	612	7	,	,	PUNCT
hassl-4494	612	8	538–559	538–559	NUM
hassl-4494	612	9	.	.	PUNCT
hassl-4494	613	1	https://doi.org/10.1108/13620430810901688	https://doi.org/10.1108/13620430810901688	PROPN
hassl-4494	613	2	wagner	wagner	PROPN
hassl-4494	613	3	-	-	PUNCT
hassl-4494	613	4	tsukamoto	tsukamoto	PROPN
hassl-4494	613	5	,	,	PUNCT
hassl-4494	613	6	s.	s.	PROPN
hassl-4494	613	7	a.	a.	PROPN
hassl-4494	613	8	(	(	PUNCT
hassl-4494	613	9	2024	2024	NUM
hassl-4494	613	10	)	)	PUNCT
hassl-4494	613	11	.	.	PUNCT
hassl-4494	614	1	in	in	ADP
hassl-4494	614	2	the	the	DET
hassl-4494	614	3	beginning	beginning	NOUN
hassl-4494	614	4	:	:	PUNCT
hassl-4494	614	5	the	the	DET
hassl-4494	614	6	light	light	ADJ
hassl-4494	614	7	,	,	PUNCT
hassl-4494	614	8	scientific	scientific	ADJ
hassl-4494	614	9	management	management	NOUN
hassl-4494	614	10	and	and	CCONJ
hassl-4494	614	11	quaker	quaker	PROPN
hassl-4494	614	12	philadelphia	philadelphia	PROPN
hassl-4494	614	13	.	.	PUNCT
hassl-4494	614	14	journal	journal	PROPN
hassl-4494	614	15	of	of	ADP
hassl-4494	614	16	management	management	NOUN
hassl-4494	614	17	history	history	NOUN
hassl-4494	614	18	,	,	PUNCT
hassl-4494	614	19	30(3	30(3	NUM
hassl-4494	614	20	)	)	PUNCT
hassl-4494	614	21	,	,	PUNCT
hassl-4494	614	22	327	327	NUM
hassl-4494	614	23	-	-	SYM
hassl-4494	614	24	356	356	NUM
hassl-4494	614	25	.	.	PUNCT
hassl-4494	615	1	https://doi.org/10.1108/jmh-06-2023-0061	https://doi.org/10.1108/jmh-06-2023-0061	PROPN
hassl-4494	615	2	willaby	willaby	PROPN
hassl-4494	615	3	,	,	PUNCT
hassl-4494	615	4	h.	h.	PROPN
hassl-4494	615	5	w.	w.	PROPN
hassl-4494	615	6	,	,	PUNCT
hassl-4494	615	7	costa	costa	PROPN
hassl-4494	615	8	,	,	PUNCT
hassl-4494	615	9	d.	d.	PROPN
hassl-4494	615	10	s.	s.	PROPN
hassl-4494	615	11	j.	j.	PROPN
hassl-4494	615	12	,	,	PUNCT
hassl-4494	615	13	burns	burn	NOUN
hassl-4494	615	14	,	,	PUNCT
hassl-4494	615	15	b.	b.	PROPN
hassl-4494	615	16	d.	d.	PROPN
hassl-4494	615	17	,	,	PUNCT
hassl-4494	615	18	maccann	maccann	PROPN
hassl-4494	615	19	,	,	PUNCT
hassl-4494	615	20	c.	c.	PROPN
hassl-4494	615	21	,	,	PUNCT
hassl-4494	615	22	&	&	CCONJ
hassl-4494	615	23	roberts	roberts	PROPN
hassl-4494	615	24	,	,	PUNCT
hassl-4494	615	25	r.	r.	PROPN
hassl-4494	615	26	d.	d.	PROPN
hassl-4494	615	27	(	(	PUNCT
hassl-4494	615	28	2015	2015	NUM
hassl-4494	615	29	)	)	PUNCT
hassl-4494	615	30	.	.	PUNCT
hassl-4494	616	1	testing	test	VERB
hassl-4494	616	2	complex	complex	ADJ
hassl-4494	616	3	models	model	NOUN
hassl-4494	616	4	with	with	ADP
hassl-4494	616	5	small	small	ADJ
hassl-4494	616	6	sample	sample	NOUN
hassl-4494	616	7	sizes	size	NOUN
hassl-4494	616	8	:	:	PUNCT
hassl-4494	616	9	a	a	DET
hassl-4494	616	10	historical	historical	ADJ
hassl-4494	616	11	overview	overview	NOUN
hassl-4494	616	12	and	and	CCONJ
hassl-4494	616	13	empirical	empirical	ADJ
hassl-4494	616	14	demonstration	demonstration	NOUN
hassl-4494	616	15	of	of	ADP
hassl-4494	616	16	what	what	PRON
hassl-4494	616	17	partial	partial	ADJ
hassl-4494	616	18	least	least	ADJ
hassl-4494	616	19	squares	square	NOUN
hassl-4494	616	20	(	(	PUNCT
hassl-4494	616	21	pls	pls	INTJ
hassl-4494	616	22	)	)	PUNCT
hassl-4494	616	23	can	can	AUX
hassl-4494	616	24	offer	offer	VERB
hassl-4494	616	25	differential	differential	ADJ
hassl-4494	616	26	psychology	psychology	NOUN
hassl-4494	616	27	.	.	PUNCT
hassl-4494	617	1	personality	personality	NOUN
hassl-4494	617	2	and	and	CCONJ
hassl-4494	617	3	individual	individual	ADJ
hassl-4494	617	4	differences	difference	NOUN
hassl-4494	617	5	,	,	PUNCT
hassl-4494	617	6	84	84	NUM
hassl-4494	617	7	,	,	PUNCT
hassl-4494	617	8	73	73	NUM
hassl-4494	617	9	-	-	SYM
hassl-4494	617	10	78	78	NUM
hassl-4494	617	11	.	.	PUNCT
hassl-4494	618	1	https://doi.org/10.1016/j.paid.2014.09.008	https://doi.org/10.1016/j.paid.2014.09.008	NOUN
hassl-4494	618	2	witell	witell	PROPN
hassl-4494	618	3	,	,	PUNCT
hassl-4494	618	4	l.	l.	PROPN
hassl-4494	618	5	,	,	PUNCT
hassl-4494	618	6	gustafsson	gustafsson	PROPN
hassl-4494	618	7	,	,	PUNCT
hassl-4494	618	8	a.	a.	PROPN
hassl-4494	618	9	,	,	PUNCT
hassl-4494	618	10	&	&	CCONJ
hassl-4494	618	11	johnson	johnson	PROPN
hassl-4494	618	12	,	,	PUNCT
hassl-4494	618	13	m.	m.	PROPN
hassl-4494	618	14	d.	d.	PROPN
hassl-4494	618	15	(	(	PUNCT
hassl-4494	618	16	2014	2014	NUM
hassl-4494	618	17	)	)	PUNCT
hassl-4494	618	18	.	.	PUNCT
hassl-4494	619	1	the	the	DET
hassl-4494	619	2	effect	effect	NOUN
hassl-4494	619	3	of	of	ADP
hassl-4494	619	4	customer	customer	NOUN
hassl-4494	619	5	information	information	NOUN
hassl-4494	619	6	during	during	ADP
hassl-4494	619	7	new	new	ADJ
hassl-4494	619	8	product	product	NOUN
hassl-4494	619	9	development	development	NOUN
hassl-4494	619	10	on	on	ADP
hassl-4494	619	11	profits	profit	NOUN
hassl-4494	619	12	from	from	ADP
hassl-4494	619	13	goods	good	NOUN
hassl-4494	619	14	and	and	CCONJ
hassl-4494	619	15	services	service	NOUN
hassl-4494	619	16	.	.	PUNCT
hassl-4494	620	1	european	european	ADJ
hassl-4494	620	2	journal	journal	PROPN
hassl-4494	620	3	of	of	ADP
hassl-4494	620	4	marketing	marketing	NOUN
hassl-4494	620	5	,	,	PUNCT
hassl-4494	620	6	48(9/10	48(9/10	NUM
hassl-4494	620	7	)	)	PUNCT
hassl-4494	620	8	,	,	PUNCT
hassl-4494	620	9	1709	1709	NUM
hassl-4494	620	10	-	-	SYM
hassl-4494	620	11	1730	1730	NUM
hassl-4494	620	12	.	.	PUNCT
hassl-4494	621	1	https://doi.org/10.1108/ejm-03-20110119	https://doi.org/10.1108/ejm-03-20110119	X
hassl-4494	622	1	wongrassamee	wongrassamee	PROPN
hassl-4494	622	2	,	,	PUNCT
hassl-4494	622	3	s.	s.	PROPN
hassl-4494	622	4	,	,	PUNCT
hassl-4494	622	5	simmons	simmon	NOUN
hassl-4494	622	6	,	,	PUNCT
hassl-4494	622	7	j.	j.	PROPN
hassl-4494	622	8	e.	e.	PROPN
hassl-4494	622	9	l.	l.	PROPN
hassl-4494	622	10	,	,	PUNCT
hassl-4494	622	11	&	&	CCONJ
hassl-4494	622	12	gardiner	gardiner	PROPN
hassl-4494	622	13	,	,	PUNCT
hassl-4494	622	14	p.	p.	PROPN
hassl-4494	622	15	d.	d.	PROPN
hassl-4494	622	16	(	(	PUNCT
hassl-4494	622	17	2003	2003	NUM
hassl-4494	622	18	)	)	PUNCT
hassl-4494	622	19	.	.	PUNCT
hassl-4494	623	1	performance	performance	NOUN
hassl-4494	623	2	measurement	measurement	NOUN
hassl-4494	623	3	tools	tool	NOUN
hassl-4494	623	4	:	:	PUNCT
hassl-4494	623	5	the	the	DET
hassl-4494	623	6	balanced	balanced	ADJ
hassl-4494	623	7	scorecard	scorecard	NOUN
hassl-4494	623	8	and	and	CCONJ
hassl-4494	623	9	the	the	DET
hassl-4494	623	10	efqm	efqm	PROPN
hassl-4494	623	11	excellence	excellence	NOUN
hassl-4494	623	12	model	model	NOUN
hassl-4494	623	13	.	.	PUNCT
hassl-4494	624	1	measuring	measure	VERB
hassl-4494	624	2	business	business	NOUN
hassl-4494	624	3	excellence	excellence	NOUN
hassl-4494	624	4	,	,	PUNCT
hassl-4494	624	5	7(1	7(1	NUM
hassl-4494	624	6	)	)	PUNCT
hassl-4494	624	7	,	,	PUNCT
hassl-4494	624	8	14	14	NUM
hassl-4494	624	9	-	-	SYM
hassl-4494	624	10	29	29	NUM
hassl-4494	624	11	.	.	PUNCT
hassl-4494	625	1	https://doi.org/10.1108/13683040310466690	https://doi.org/10.1108/13683040310466690	NOUN
hassl-4494	625	2	zahoor	zahoor	PROPN
hassl-4494	625	3	,	,	PUNCT
hassl-4494	625	4	n.	n.	NOUN
hassl-4494	625	5	,	,	PUNCT
hassl-4494	625	6	zopiatis	zopiatis	PROPN
hassl-4494	625	7	,	,	PUNCT
hassl-4494	625	8	a.	a.	NOUN
hassl-4494	625	9	,	,	PUNCT
hassl-4494	625	10	adomako	adomako	PROPN
hassl-4494	625	11	,	,	PUNCT
hassl-4494	625	12	s.	s.	PROPN
hassl-4494	625	13	,	,	PUNCT
hassl-4494	625	14	&	&	CCONJ
hassl-4494	625	15	lamprinakos	lamprinakos	PROPN
hassl-4494	625	16	,	,	PUNCT
hassl-4494	625	17	g.	g.	PROPN
hassl-4494	625	18	(	(	PUNCT
hassl-4494	625	19	2023	2023	NUM
hassl-4494	625	20	)	)	PUNCT
hassl-4494	625	21	.	.	PUNCT
hassl-4494	626	1	the	the	DET
hassl-4494	626	2	micro	micro	NOUN
hassl-4494	626	3	-	-	NOUN
hassl-4494	626	4	foundations	foundation	NOUN
hassl-4494	626	5	of	of	ADP
hassl-4494	626	6	digitally	digitally	ADV
hassl-4494	626	7	transforming	transform	VERB
hassl-4494	626	8	smes	sme	NOUN
hassl-4494	626	9	:	:	PUNCT
hassl-4494	626	10	how	how	SCONJ
hassl-4494	626	11	digital	digital	ADJ
hassl-4494	626	12	literacy	literacy	NOUN
hassl-4494	626	13	and	and	CCONJ
hassl-4494	626	14	technology	technology	NOUN
hassl-4494	626	15	interact	interact	VERB
hassl-4494	626	16	with	with	ADP
hassl-4494	626	17	managerial	managerial	ADJ
hassl-4494	626	18	attributes	attribute	NOUN
hassl-4494	626	19	.	.	PUNCT
hassl-4494	627	1	journal	journal	PROPN
hassl-4494	627	2	of	of	ADP
hassl-4494	627	3	business	business	NOUN
hassl-4494	627	4	research	research	NOUN
hassl-4494	627	5	,	,	PUNCT
hassl-4494	627	6	159	159	NUM
hassl-4494	627	7	,	,	PUNCT
hassl-4494	627	8	113755	113755	NUM
hassl-4494	627	9	.	.	PUNCT
hassl-4494	628	1	https://doi.org/10.1016/j.jbusres.2023.113755	https://doi.org/10.1016/j.jbusres.2023.113755	ADJ
hassl-4494	628	2	views	view	NOUN
hassl-4494	628	3	and	and	CCONJ
hassl-4494	628	4	opinions	opinion	NOUN
hassl-4494	628	5	expressed	express	VERB
hassl-4494	628	6	in	in	ADP
hassl-4494	628	7	this	this	DET
hassl-4494	628	8	article	article	NOUN
hassl-4494	628	9	are	be	AUX
hassl-4494	628	10	the	the	DET
hassl-4494	628	11	views	view	NOUN
hassl-4494	628	12	and	and	CCONJ
hassl-4494	628	13	opinions	opinion	NOUN
hassl-4494	628	14	of	of	ADP
hassl-4494	628	15	the	the	DET
hassl-4494	628	16	author(s	author(s	NOUN
hassl-4494	628	17	)	)	PUNCT
hassl-4494	628	18	,	,	PUNCT
hassl-4494	628	19	humanities	humanity	NOUN
hassl-4494	628	20	and	and	CCONJ
hassl-4494	628	21	social	social	ADJ
hassl-4494	628	22	sciences	science	NOUN
hassl-4494	628	23	letters	letter	NOUN
hassl-4494	628	24	shall	shall	AUX
hassl-4494	628	25	not	not	PART
hassl-4494	628	26	be	be	AUX
hassl-4494	628	27	responsible	responsible	ADJ
hassl-4494	628	28	or	or	CCONJ
hassl-4494	628	29	answerable	answerable	ADJ
hassl-4494	628	30	for	for	ADP
hassl-4494	628	31	any	any	DET
hassl-4494	628	32	loss	loss	NOUN
hassl-4494	628	33	,	,	PUNCT
hassl-4494	628	34	damage	damage	NOUN
hassl-4494	628	35	or	or	CCONJ
hassl-4494	628	36	liability	liability	NOUN
hassl-4494	628	37	etc	etc	X
hassl-4494	628	38	.	.	X
hassl-4494	628	39	caused	cause	VERB
hassl-4494	628	40	in	in	ADP
hassl-4494	628	41	relation	relation	NOUN
hassl-4494	628	42	to	to	PART
hassl-4494	628	43	/	/	PUNCT
hassl-4494	628	44	arising	arise	VERB
hassl-4494	628	45	out	out	ADP
hassl-4494	628	46	of	of	ADP
hassl-4494	628	47	the	the	DET
hassl-4494	628	48	use	use	NOUN
hassl-4494	628	49	of	of	ADP
hassl-4494	628	50	the	the	DET
hassl-4494	628	51	content	content	NOUN
hassl-4494	628	52	.	.	PUNCT
hassl-4494	629	1	https://doi.org/10.1016/j.enpol.2018.09.024	https://doi.org/10.1016/j.enpol.2018.09.024	NOUN
hassl-4494	629	2	https://doi.org/10.18844/wjet.v14i1.6714	https://doi.org/10.18844/wjet.v14i1.6714	PUNCT
hassl-4494	629	3	https://doi.org/10.1080/23311975.2023.2174477	https://doi.org/10.1080/23311975.2023.2174477	NOUN
hassl-4494	629	4	https://doi.org/10.23860/jmle-2023-15-3-3	https://doi.org/10.23860/jmle-2023-15-3-3	NOUN
hassl-4494	629	5	https://doi.org/10.3390/joitmc7010020	https://doi.org/10.3390/joitmc7010020	VERB
hassl-4494	629	6	https://doi.org/10.1002/smj.640	https://doi.org/10.1002/smj.640	NOUN
hassl-4494	629	7	https://doi.org/10.1080/13600869.2018.1546542	https://doi.org/10.1080/13600869.2018.1546542	PROPN
hassl-4494	629	8	https://doi.org/10.1080/23311975.2021.1932239	https://doi.org/10.1080/23311975.2021.1932239	PROPN
hassl-4494	629	9	https://doi.org/10.1108/13620430810901688	https://doi.org/10.1108/13620430810901688	PROPN
hassl-4494	629	10	https://doi.org/10.1108/jmh-06-2023-0061	https://doi.org/10.1108/jmh-06-2023-0061	PROPN
hassl-4494	629	11	https://doi.org/10.1016/j.paid.2014.09.008	https://doi.org/10.1016/j.paid.2014.09.008	PROPN
hassl-4494	629	12	https://doi.org/10.1108/ejm-03-2011-0119	https://doi.org/10.1108/ejm-03-2011-0119	PROPN
hassl-4494	629	13	https://doi.org/10.1108/ejm-03-2011-0119	https://doi.org/10.1108/ejm-03-2011-0119	PROPN
hassl-4494	629	14	https://doi.org/10.1108/13683040310466690	https://doi.org/10.1108/13683040310466690	PROPN
hassl-4494	629	15	https://doi.org/10.1016/j.jbusres.2023.113755	https://doi.org/10.1016/j.jbusres.2023.113755	PROPN