id	sid	tid	token	lemma	pos
ijtc-373	1	1	the	the	DET
ijtc-373	1	2	illomata	illomata	PROPN
ijtc-373	1	3	international	international	PROPN
ijtc-373	1	4	journal	journal	PROPN
ijtc-373	1	5	of	of	ADP
ijtc-373	1	6	management	management	NOUN
ijtc-373	1	7	ilomata	ilomata	PROPN
ijtc-373	1	8	international	international	ADJ
ijtc-373	1	9	journal	journal	NOUN
ijtc-373	1	10	of	of	ADP
ijtc-373	1	11	tax	tax	PROPN
ijtc-373	1	12	&	&	CCONJ
ijtc-373	1	13	accounting	account	VERB
ijtc-373	1	14	p	p	PROPN
ijtc-373	1	15	-	-	PUNCT
ijtc-373	1	16	issn	issn	NOUN
ijtc-373	1	17	:	:	PUNCT
ijtc-373	1	18	2714	2714	NUM
ijtc-373	1	19	-	-	SYM
ijtc-373	1	20	9838	9838	NUM
ijtc-373	1	21	;	;	PUNCT
ijtc-373	1	22	e	e	X
ijtc-373	1	23	-	-	PUNCT
ijtc-373	1	24	issn	issn	NOUN
ijtc-373	1	25	:	:	PUNCT
ijtc-373	1	26	2714	2714	NUM
ijtc-373	1	27	-	-	SYM
ijtc-373	1	28	9846	9846	NUM
ijtc-373	1	29	volume	volume	NOUN
ijtc-373	1	30	2	2	NUM
ijtc-373	1	31	,	,	PUNCT
ijtc-373	1	32	issue	issue	NOUN
ijtc-373	1	33	4	4	NUM
ijtc-373	1	34	october	october	NOUN
ijtc-373	1	35	2021	2021	NUM
ijtc-373	1	36	page	page	NOUN
ijtc-373	2	1	no	no	NOUN
ijtc-373	2	2	.	.	PUNCT
ijtc-373	3	1	255	255	NUM
ijtc-373	3	2	-	-	SYM
ijtc-373	3	3	261	261	NUM
ijtc-373	3	4	255	255	NUM
ijtc-373	3	5	|	|	ADV
ijtc-373	3	6	ilomata	ilomata	PROPN
ijtc-373	3	7	international	international	ADJ
ijtc-373	3	8	journal	journal	NOUN
ijtc-373	3	9	of	of	ADP
ijtc-373	3	10	tax	tax	PROPN
ijtc-373	3	11	&	&	CCONJ
ijtc-373	3	12	accounting	account	VERB
ijtc-373	3	13	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-373	3	14	financial	financial	ADJ
ijtc-373	3	15	literacy	literacy	NOUN
ijtc-373	3	16	and	and	CCONJ
ijtc-373	3	17	inclusion	inclusion	NOUN
ijtc-373	3	18	analysis	analysis	NOUN
ijtc-373	3	19	of	of	ADP
ijtc-373	3	20	the	the	DET
ijtc-373	3	21	community	community	NOUN
ijtc-373	3	22	of	of	ADP
ijtc-373	3	23	pulau	pulau	PROPN
ijtc-373	3	24	seribu	seribu	NOUN
ijtc-373	3	25	(	(	PUNCT
ijtc-373	3	26	a	a	DET
ijtc-373	3	27	case	case	NOUN
ijtc-373	3	28	study	study	NOUN
ijtc-373	3	29	on	on	ADP
ijtc-373	3	30	the	the	DET
ijtc-373	3	31	limitations	limitation	NOUN
ijtc-373	3	32	of	of	ADP
ijtc-373	3	33	banking	bank	VERB
ijtc-373	3	34	financial	financial	ADJ
ijtc-373	3	35	services	service	NOUN
ijtc-373	3	36	in	in	ADP
ijtc-373	3	37	the	the	DET
ijtc-373	3	38	pulau	pulau	PROPN
ijtc-373	3	39	seribu	seribu	NOUN
ijtc-373	3	40	)	)	PUNCT
ijtc-373	3	41	erni	erni	NOUN
ijtc-373	3	42	prasetiyani1	prasetiyani1	NOUN
ijtc-373	3	43	,	,	PUNCT
ijtc-373	3	44	ai	ai	VERB
ijtc-373	3	45	nety	nety	NOUN
ijtc-373	3	46	sumidartini2	sumidartini2	ADV
ijtc-373	3	47	,	,	PUNCT
ijtc-373	3	48	achmad	achmad	PROPN
ijtc-373	3	49	barlian3	barlian3	PROPN
ijtc-373	3	50	institut	institut	PROPN
ijtc-373	3	51	ilmu	ilmu	PROPN
ijtc-373	3	52	sosial	sosial	PROPN
ijtc-373	3	53	dan	dan	PROPN
ijtc-373	3	54	manajemen	manajeman	NOUN
ijtc-373	3	55	stiami	stiami	VERB
ijtc-373	3	56	1correspondent	1correspondent	NUM
ijtc-373	3	57	:	:	PUNCT
ijtc-373	3	58	erni@stiami.ac.id	erni@stiami.ac.id	NOUN
ijtc-373	3	59	received	receive	VERB
ijtc-373	3	60	:	:	PUNCT
ijtc-373	3	61	august	august	PROPN
ijtc-373	3	62	08	08	NUM
ijtc-373	3	63	,	,	PUNCT
ijtc-373	3	64	2021	2021	NUM
ijtc-373	3	65	accepted	accept	VERB
ijtc-373	3	66	:	:	PUNCT
ijtc-373	3	67	august	august	PROPN
ijtc-373	3	68	25	25	NUM
ijtc-373	3	69	,	,	PUNCT
ijtc-373	3	70	2021	2021	NUM
ijtc-373	3	71	published	publish	VERB
ijtc-373	3	72	:	:	PUNCT
ijtc-373	3	73	october	october	PROPN
ijtc-373	3	74	31	31	NUM
ijtc-373	3	75	,	,	PUNCT
ijtc-373	3	76	2021	2021	NUM
ijtc-373	3	77	citation	citation	NOUN
ijtc-373	3	78	:	:	PUNCT
ijtc-373	3	79	prasetiyani	prasetiyani	PROPN
ijtc-373	3	80	,	,	PUNCT
ijtc-373	3	81	e.	e.	PROPN
ijtc-373	3	82	,	,	PUNCT
ijtc-373	3	83	sumidartini	sumidartini	PROPN
ijtc-373	3	84	,	,	PUNCT
ijtc-373	3	85	a.n	a.n	PROPN
ijtc-373	3	86	,	,	PUNCT
ijtc-373	3	87	barlian	barlian	NOUN
ijtc-373	3	88	,	,	PUNCT
ijtc-373	3	89	a.	a.	NOUN
ijtc-373	3	90	(	(	PUNCT
ijtc-373	3	91	2021	2021	NUM
ijtc-373	3	92	)	)	PUNCT
ijtc-373	3	93	.	.	PUNCT
ijtc-373	4	1	financial	financial	ADJ
ijtc-373	4	2	literacy	literacy	NOUN
ijtc-373	4	3	and	and	CCONJ
ijtc-373	4	4	inclusion	inclusion	NOUN
ijtc-373	4	5	analysis	analysis	NOUN
ijtc-373	4	6	of	of	ADP
ijtc-373	4	7	the	the	DET
ijtc-373	4	8	community	community	NOUN
ijtc-373	4	9	of	of	ADP
ijtc-373	4	10	pulau	pulau	PROPN
ijtc-373	4	11	seribu	seribu	NOUN
ijtc-373	4	12	(	(	PUNCT
ijtc-373	4	13	a	a	DET
ijtc-373	4	14	case	case	NOUN
ijtc-373	4	15	study	study	NOUN
ijtc-373	4	16	on	on	ADP
ijtc-373	4	17	the	the	DET
ijtc-373	4	18	limitations	limitation	NOUN
ijtc-373	4	19	of	of	ADP
ijtc-373	4	20	banking	bank	VERB
ijtc-373	4	21	financial	financial	ADJ
ijtc-373	4	22	services	service	NOUN
ijtc-373	4	23	in	in	ADP
ijtc-373	4	24	the	the	DET
ijtc-373	4	25	pulau	pulau	PROPN
ijtc-373	4	26	seribu	seribu	NOUN
ijtc-373	4	27	)	)	PUNCT
ijtc-373	4	28	.	.	PUNCT
ijtc-373	5	1	ilomata	ilomata	PROPN
ijtc-373	5	2	international	international	ADJ
ijtc-373	5	3	journal	journal	PROPN
ijtc-373	5	4	of	of	ADP
ijtc-373	5	5	tax	tax	PROPN
ijtc-373	5	6	&	&	CCONJ
ijtc-373	5	7	accounting	accounting	NOUN
ijtc-373	5	8	2(4),255	2(4),255	PROPN
ijtc-373	5	9	-	-	SYM
ijtc-373	5	10	261	261	NUM
ijtc-373	5	11	.	.	PUNCT
ijtc-373	6	1	https://doi.org/10.52728/ijtc.v2i4.373	https://doi.org/10.52728/ijtc.v2i4.373	NOUN
ijtc-373	6	2	abstract	abstract	ADV
ijtc-373	6	3	:	:	PUNCT
ijtc-373	6	4	the	the	DET
ijtc-373	6	5	progress	progress	NOUN
ijtc-373	6	6	of	of	ADP
ijtc-373	6	7	a	a	DET
ijtc-373	6	8	region	region	NOUN
ijtc-373	6	9	can	can	AUX
ijtc-373	6	10	be	be	AUX
ijtc-373	6	11	measured	measure	VERB
ijtc-373	6	12	by	by	ADP
ijtc-373	6	13	the	the	DET
ijtc-373	6	14	level	level	NOUN
ijtc-373	6	15	of	of	ADP
ijtc-373	6	16	financial	financial	ADJ
ijtc-373	6	17	literacy	literacy	NOUN
ijtc-373	6	18	of	of	ADP
ijtc-373	6	19	its	its	PRON
ijtc-373	6	20	population	population	NOUN
ijtc-373	6	21	and	and	CCONJ
ijtc-373	6	22	financial	financial	ADJ
ijtc-373	6	23	inclusion	inclusion	NOUN
ijtc-373	6	24	.	.	PUNCT
ijtc-373	7	1	dki	dki	PROPN
ijtc-373	7	2	jakarta	jakarta	PROPN
ijtc-373	7	3	is	be	AUX
ijtc-373	7	4	in	in	ADP
ijtc-373	7	5	the	the	DET
ijtc-373	7	6	top	top	ADJ
ijtc-373	7	7	financial	financial	ADJ
ijtc-373	7	8	ranking	ranking	NOUN
ijtc-373	7	9	for	for	ADP
ijtc-373	7	10	literacy	literacy	NOUN
ijtc-373	7	11	and	and	CCONJ
ijtc-373	7	12	inclusion	inclusion	NOUN
ijtc-373	7	13	,	,	PUNCT
ijtc-373	7	14	but	but	CCONJ
ijtc-373	7	15	it	it	PRON
ijtc-373	7	16	is	be	AUX
ijtc-373	7	17	inversely	inversely	ADV
ijtc-373	7	18	proportional	proportional	ADJ
ijtc-373	7	19	to	to	ADP
ijtc-373	7	20	the	the	DET
ijtc-373	7	21	pulau	pulau	PROPN
ijtc-373	7	22	seribu	seribu	NOUN
ijtc-373	7	23	region	region	NOUN
ijtc-373	7	24	.	.	PUNCT
ijtc-373	8	1	this	this	DET
ijtc-373	8	2	research	research	NOUN
ijtc-373	8	3	is	be	AUX
ijtc-373	8	4	a	a	DET
ijtc-373	8	5	qualitative	qualitative	ADJ
ijtc-373	8	6	research	research	NOUN
ijtc-373	8	7	with	with	ADP
ijtc-373	8	8	the	the	DET
ijtc-373	8	9	technique	technique	NOUN
ijtc-373	8	10	of	of	ADP
ijtc-373	8	11	obtaining	obtain	VERB
ijtc-373	8	12	data	datum	NOUN
ijtc-373	8	13	through	through	ADP
ijtc-373	8	14	in	in	ADP
ijtc-373	8	15	-	-	PUNCT
ijtc-373	8	16	depth	depth	NOUN
ijtc-373	8	17	interviews	interview	NOUN
ijtc-373	8	18	with	with	ADP
ijtc-373	8	19	residents	resident	NOUN
ijtc-373	8	20	in	in	ADP
ijtc-373	8	21	the	the	DET
ijtc-373	8	22	pulau	pulau	PROPN
ijtc-373	8	23	seribu	seribu	NOUN
ijtc-373	8	24	.	.	PUNCT
ijtc-373	9	1	the	the	DET
ijtc-373	9	2	results	result	NOUN
ijtc-373	9	3	are	be	AUX
ijtc-373	9	4	processed	process	VERB
ijtc-373	9	5	with	with	ADP
ijtc-373	9	6	a	a	DET
ijtc-373	9	7	strength	strength	NOUN
ijtc-373	9	8	weakness	weakness	NOUN
ijtc-373	9	9	opportunity	opportunity	NOUN
ijtc-373	9	10	threat	threat	NOUN
ijtc-373	9	11	(	(	PUNCT
ijtc-373	9	12	swot	swot	PROPN
ijtc-373	9	13	)	)	PUNCT
ijtc-373	9	14	analysis	analysis	NOUN
ijtc-373	9	15	to	to	PART
ijtc-373	9	16	produce	produce	VERB
ijtc-373	9	17	a	a	DET
ijtc-373	9	18	map	map	NOUN
ijtc-373	9	19	of	of	ADP
ijtc-373	9	20	the	the	DET
ijtc-373	9	21	strengths	strength	NOUN
ijtc-373	9	22	,	,	PUNCT
ijtc-373	9	23	weaknesses	weakness	NOUN
ijtc-373	9	24	,	,	PUNCT
ijtc-373	9	25	opportunities	opportunity	NOUN
ijtc-373	9	26	and	and	CCONJ
ijtc-373	9	27	threats	threat	NOUN
ijtc-373	9	28	that	that	PRON
ijtc-373	9	29	exist	exist	VERB
ijtc-373	9	30	in	in	ADP
ijtc-373	9	31	the	the	DET
ijtc-373	9	32	pulau	pulau	PROPN
ijtc-373	9	33	seribu	seribu	NOUN
ijtc-373	9	34	region	region	NOUN
ijtc-373	9	35	.	.	PUNCT
ijtc-373	10	1	with	with	ADP
ijtc-373	10	2	the	the	DET
ijtc-373	10	3	swot	swot	PROPN
ijtc-373	10	4	condition	condition	NOUN
ijtc-373	10	5	in	in	ADP
ijtc-373	10	6	the	the	DET
ijtc-373	10	7	region	region	NOUN
ijtc-373	10	8	,	,	PUNCT
ijtc-373	10	9	it	it	PRON
ijtc-373	10	10	is	be	AUX
ijtc-373	10	11	hoped	hope	VERB
ijtc-373	10	12	that	that	SCONJ
ijtc-373	10	13	the	the	DET
ijtc-373	10	14	policy	policy	NOUN
ijtc-373	10	15	makers	maker	NOUN
ijtc-373	10	16	,	,	PUNCT
ijtc-373	10	17	namely	namely	ADV
ijtc-373	10	18	the	the	DET
ijtc-373	10	19	otoritas	otorita	NOUN
ijtc-373	10	20	jasa	jasa	PROPN
ijtc-373	10	21	keuangan	keuangan	NOUN
ijtc-373	10	22	(	(	PUNCT
ijtc-373	10	23	ojk	ojk	NOUN
ijtc-373	10	24	)	)	PUNCT
ijtc-373	10	25	,	,	PUNCT
ijtc-373	10	26	the	the	DET
ijtc-373	10	27	dki	dki	PROPN
ijtc-373	10	28	jakarta	jakarta	PROPN
ijtc-373	10	29	regional	regional	PROPN
ijtc-373	10	30	government	government	NOUN
ijtc-373	10	31	and	and	CCONJ
ijtc-373	10	32	the	the	DET
ijtc-373	10	33	community	community	NOUN
ijtc-373	10	34	themselves	themselves	PRON
ijtc-373	10	35	are	be	AUX
ijtc-373	10	36	able	able	ADJ
ijtc-373	10	37	to	to	PART
ijtc-373	10	38	synergize	synergize	VERB
ijtc-373	10	39	in	in	ADP
ijtc-373	10	40	formulating	formulate	VERB
ijtc-373	10	41	strategies	strategy	NOUN
ijtc-373	10	42	to	to	PART
ijtc-373	10	43	accelerate	accelerate	VERB
ijtc-373	10	44	the	the	DET
ijtc-373	10	45	backwardness	backwardness	NOUN
ijtc-373	10	46	of	of	ADP
ijtc-373	10	47	the	the	DET
ijtc-373	10	48	pulau	pulau	PROPN
ijtc-373	10	49	seribu	seribu	NOUN
ijtc-373	10	50	with	with	ADP
ijtc-373	10	51	dki	dki	PROPN
ijtc-373	10	52	jakarta	jakarta	PROPN
ijtc-373	10	53	.	.	PUNCT
ijtc-373	11	1	keywords	keyword	NOUN
ijtc-373	11	2	:	:	PUNCT
ijtc-373	11	3	financial	financial	ADJ
ijtc-373	11	4	literacy	literacy	NOUN
ijtc-373	11	5	,	,	PUNCT
ijtc-373	11	6	financial	financial	ADJ
ijtc-373	11	7	inclusion	inclusion	NOUN
ijtc-373	11	8	,	,	PUNCT
ijtc-373	11	9	strength	strength	NOUN
ijtc-373	11	10	weakness	weakness	NOUN
ijtc-373	11	11	opportunity	opportunity	NOUN
ijtc-373	11	12	threat	threat	NOUN
ijtc-373	11	13	(	(	PUNCT
ijtc-373	11	14	swot	swot	PROPN
ijtc-373	11	15	)	)	PUNCT
ijtc-373	11	16	and	and	CCONJ
ijtc-373	11	17	the	the	DET
ijtc-373	11	18	otoritas	otorita	NOUN
ijtc-373	11	19	jasa	jasa	PROPN
ijtc-373	11	20	keuangan(ojk	keuangan(ojk	PROPN
ijtc-373	11	21	)	)	PUNCT
ijtc-373	11	22	this	this	PRON
ijtc-373	11	23	is	be	AUX
ijtc-373	11	24	an	an	DET
ijtc-373	11	25	open	open	ADJ
ijtc-373	11	26	access	access	NOUN
ijtc-373	11	27	article	article	NOUN
ijtc-373	11	28	under	under	ADP
ijtc-373	11	29	the	the	DET
ijtc-373	11	30	cc	cc	NOUN
ijtc-373	11	31	-	-	PUNCT
ijtc-373	11	32	by	by	ADP
ijtc-373	11	33	4.0	4.0	NUM
ijtc-373	11	34	license	license	NOUN
ijtc-373	11	35	.	.	PUNCT
ijtc-373	12	1	introduction	introduction	NOUN
ijtc-373	12	2	financial	financial	ADJ
ijtc-373	12	3	literacy	literacy	NOUN
ijtc-373	12	4	in	in	ADP
ijtc-373	12	5	the	the	DET
ijtc-373	12	6	industrial	industrial	ADJ
ijtc-373	12	7	era	era	NOUN
ijtc-373	12	8	has	have	AUX
ijtc-373	12	9	become	become	VERB
ijtc-373	12	10	a	a	DET
ijtc-373	12	11	hot	hot	ADJ
ijtc-373	12	12	issue	issue	NOUN
ijtc-373	12	13	for	for	ADP
ijtc-373	12	14	a	a	DET
ijtc-373	12	15	country	country	NOUN
ijtc-373	12	16	's	's	PART
ijtc-373	12	17	economic	economic	ADJ
ijtc-373	12	18	progress	progress	NOUN
ijtc-373	12	19	.	.	PUNCT
ijtc-373	13	1	some	some	DET
ijtc-373	13	2	countries	country	NOUN
ijtc-373	13	3	experienced	experience	VERB
ijtc-373	13	4	a	a	DET
ijtc-373	13	5	significant	significant	ADJ
ijtc-373	13	6	increase	increase	NOUN
ijtc-373	13	7	while	while	SCONJ
ijtc-373	13	8	others	other	NOUN
ijtc-373	13	9	experienced	experience	VERB
ijtc-373	13	10	stagnation	stagnation	NOUN
ijtc-373	13	11	and	and	CCONJ
ijtc-373	13	12	even	even	ADV
ijtc-373	13	13	did	do	AUX
ijtc-373	13	14	not	not	PART
ijtc-373	13	15	experience	experience	VERB
ijtc-373	13	16	significant	significant	ADJ
ijtc-373	13	17	changes	change	NOUN
ijtc-373	13	18	.	.	PUNCT
ijtc-373	14	1	countries	country	NOUN
ijtc-373	14	2	with	with	ADP
ijtc-373	14	3	the	the	DET
ijtc-373	14	4	highest	high	ADJ
ijtc-373	14	5	acceleration	acceleration	NOUN
ijtc-373	14	6	of	of	ADP
ijtc-373	14	7	financial	financial	ADJ
ijtc-373	14	8	literacy	literacy	NOUN
ijtc-373	14	9	are	be	AUX
ijtc-373	14	10	china	china	PROPN
ijtc-373	14	11	and	and	CCONJ
ijtc-373	14	12	india	india	PROPN
ijtc-373	14	13	which	which	PRON
ijtc-373	14	14	occupy	occupy	VERB
ijtc-373	14	15	a	a	DET
ijtc-373	14	16	financial	financial	ADJ
ijtc-373	14	17	literacy	literacy	NOUN
ijtc-373	14	18	level	level	NOUN
ijtc-373	14	19	of	of	ADP
ijtc-373	14	20	87	87	NUM
ijtc-373	14	21	%	%	NOUN
ijtc-373	14	22	while	while	SCONJ
ijtc-373	14	23	indonesia	indonesia	PROPN
ijtc-373	14	24	is	be	AUX
ijtc-373	14	25	only	only	ADV
ijtc-373	14	26	at	at	ADP
ijtc-373	14	27	34	34	NUM
ijtc-373	14	28	%	%	NOUN
ijtc-373	14	29	,	,	PUNCT
ijtc-373	14	30	russia	russia	PROPN
ijtc-373	14	31	and	and	CCONJ
ijtc-373	14	32	africa	africa	PROPN
ijtc-373	14	33	are	be	AUX
ijtc-373	14	34	at	at	ADP
ijtc-373	14	35	the	the	DET
ijtc-373	14	36	level	level	NOUN
ijtc-373	14	37	of	of	ADP
ijtc-373	14	38	82	82	NUM
ijtc-373	14	39	%	%	NOUN
ijtc-373	14	40	(	(	PUNCT
ijtc-373	14	41	shandy	shandy	NOUN
ijtc-373	14	42	,	,	PUNCT
ijtc-373	14	43	2021	2021	NUM
ijtc-373	14	44	)	)	PUNCT
ijtc-373	14	45	.	.	PUNCT
ijtc-373	15	1	in	in	ADP
ijtc-373	15	2	a	a	DET
ijtc-373	15	3	study	study	NOUN
ijtc-373	15	4	about	about	ADP
ijtc-373	15	5	financial	financial	ADJ
ijtc-373	15	6	literacy	literacy	NOUN
ijtc-373	15	7	in	in	ADP
ijtc-373	15	8	south	south	PROPN
ijtc-373	15	9	africa	africa	PROPN
ijtc-373	15	10	showed	show	VERB
ijtc-373	15	11	those	those	DET
ijtc-373	15	12	gender	gender	NOUN
ijtc-373	15	13	,	,	PUNCT
ijtc-373	15	14	age	age	NOUN
ijtc-373	15	15	,	,	PUNCT
ijtc-373	15	16	language	language	NOUN
ijtc-373	15	17	,	,	PUNCT
ijtc-373	15	18	race	race	NOUN
ijtc-373	15	19	and	and	CCONJ
ijtc-373	15	20	income	income	NOUN
ijtc-373	15	21	levels	level	NOUN
ijtc-373	15	22	do	do	AUX
ijtc-373	15	23	have	have	VERB
ijtc-373	15	24	an	an	DET
ijtc-373	15	25	impact	impact	NOUN
ijtc-373	15	26	on	on	ADP
ijtc-373	15	27	the	the	DET
ijtc-373	15	28	level	level	NOUN
ijtc-373	15	29	of	of	ADP
ijtc-373	15	30	financial	financial	ADJ
ijtc-373	15	31	literacy	literacy	NOUN
ijtc-373	15	32	(	(	PUNCT
ijtc-373	15	33	de	de	X
ijtc-373	15	34	clercq	clercq	PROPN
ijtc-373	15	35	&	&	CCONJ
ijtc-373	15	36	venter	venter	PROPN
ijtc-373	15	37	,	,	PUNCT
ijtc-373	15	38	2009	2009	NUM
ijtc-373	15	39	)	)	PUNCT
ijtc-373	15	40	.	.	PUNCT
ijtc-373	16	1	in	in	ADP
ijtc-373	16	2	other	other	ADJ
ijtc-373	16	3	study	study	NOUN
ijtc-373	16	4	for	for	ADP
ijtc-373	16	5	muslim	muslim	ADJ
ijtc-373	16	6	community	community	PROPN
ijtc-373	16	7	in	in	ADP
ijtc-373	16	8	usa	usa	PROPN
ijtc-373	16	9	,	,	PUNCT
ijtc-373	16	10	even	even	ADV
ijtc-373	16	11	religion	religion	NOUN
ijtc-373	16	12	have	have	VERB
ijtc-373	16	13	an	an	DET
ijtc-373	16	14	impact	impact	NOUN
ijtc-373	16	15	on	on	ADP
ijtc-373	16	16	the	the	DET
ijtc-373	16	17	level	level	NOUN
ijtc-373	16	18	of	of	ADP
ijtc-373	16	19	financial	financial	ADJ
ijtc-373	16	20	literacy	literacy	NOUN
ijtc-373	16	21	(	(	PUNCT
ijtc-373	16	22	zinser	zinser	NOUN
ijtc-373	16	23	,	,	PUNCT
ijtc-373	16	24	2019	2019	NUM
ijtc-373	16	25	)	)	PUNCT
ijtc-373	16	26	.	.	PUNCT
ijtc-373	17	1	the	the	DET
ijtc-373	17	2	newest	new	ADJ
ijtc-373	17	3	study	study	NOUN
ijtc-373	17	4	in	in	ADP
ijtc-373	17	5	portugal	portugal	PROPN
ijtc-373	17	6	,	,	PUNCT
ijtc-373	17	7	shows	show	VERB
ijtc-373	17	8	that	that	SCONJ
ijtc-373	17	9	the	the	DET
ijtc-373	17	10	financial	financial	ADJ
ijtc-373	17	11	literacy	literacy	NOUN
ijtc-373	17	12	scale	scale	NOUN
ijtc-373	17	13	presents	present	VERB
ijtc-373	17	14	a	a	DET
ijtc-373	17	15	tri	tri	ADJ
ijtc-373	17	16	-	-	ADJ
ijtc-373	17	17	factor	factor	NOUN
ijtc-373	17	18	structure	structure	NOUN
ijtc-373	17	19	with	with	ADP
ijtc-373	17	20	adequate	adequate	ADJ
ijtc-373	17	21	validity	validity	NOUN
ijtc-373	17	22	and	and	CCONJ
ijtc-373	17	23	reliability	reliability	NOUN
ijtc-373	17	24	levels	level	NOUN
ijtc-373	17	25	.	.	PUNCT
ijtc-373	18	1	the	the	DET
ijtc-373	18	2	three	three	NUM
ijtc-373	18	3	obtained	obtain	VERB
ijtc-373	18	4	factors	factor	NOUN
ijtc-373	18	5	are	be	AUX
ijtc-373	18	6	designated	designate	VERB
ijtc-373	18	7	1	1	NUM
ijtc-373	18	8	-	-	SYM
ijtc-373	18	9	2	2	NUM
ijtc-373	18	10	-	-	PUNCT
ijtc-373	18	11	year	year	NOUN
ijtc-373	18	12	financial	financial	ADJ
ijtc-373	18	13	planning	planning	NOUN
ijtc-373	18	14	and	and	CCONJ
ijtc-373	18	15	goals	goal	NOUN
ijtc-373	18	16	,	,	PUNCT
ijtc-373	18	17	long	long	ADJ
ijtc-373	18	18	-	-	PUNCT
ijtc-373	18	19	term	term	NOUN
ijtc-373	18	20	saving	saving	NOUN
ijtc-373	18	21	and	and	CCONJ
ijtc-373	18	22	taste	taste	VERB
ijtc-373	18	23	for	for	ADP
ijtc-373	18	24	numeric	numeric	ADJ
ijtc-373	18	25	calculations	calculation	NOUN
ijtc-373	18	26	(	(	PUNCT
ijtc-373	18	27	santos	santos	PROPN
ijtc-373	18	28	et	et	PROPN
ijtc-373	18	29	al	al	PROPN
ijtc-373	18	30	.	.	PROPN
ijtc-373	18	31	,	,	PUNCT
ijtc-373	18	32	2021	2021	NUM
ijtc-373	18	33	)	)	PUNCT
ijtc-373	18	34	.	.	PUNCT
ijtc-373	19	1	lack	lack	NOUN
ijtc-373	19	2	of	of	ADP
ijtc-373	19	3	literacy	literacy	NOUN
ijtc-373	19	4	and	and	CCONJ
ijtc-373	19	5	lack	lack	NOUN
ijtc-373	19	6	of	of	ADP
ijtc-373	19	7	information	information	NOUN
ijtc-373	19	8	can	can	AUX
ijtc-373	19	9	affect	affect	VERB
ijtc-373	19	10	the	the	DET
ijtc-373	19	11	ability	ability	NOUN
ijtc-373	19	12	to	to	PART
ijtc-373	19	13	save	save	VERB
ijtc-373	19	14	and	and	CCONJ
ijtc-373	19	15	secure	secure	VERB
ijtc-373	19	16	a	a	DET
ijtc-373	19	17	comfortable	comfortable	ADJ
ijtc-373	19	18	retirement	retirement	NOUN
ijtc-373	19	19	.	.	PUNCT
ijtc-373	20	1	few	few	ADJ
ijtc-373	20	2	individuals	individual	NOUN
ijtc-373	20	3	rely	rely	VERB
ijtc-373	20	4	on	on	ADP
ijtc-373	20	5	the	the	DET
ijtc-373	20	6	help	help	NOUN
ijtc-373	20	7	of	of	ADP
ijtc-373	20	8	financial	financial	ADJ
ijtc-373	20	9	advisors	advisor	NOUN
ijtc-373	20	10	,	,	PUNCT
ijtc-373	20	11	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-373	20	12	mailto:erni@stiami.ac.id	mailto:erni@stiami.ac.id	NOUN
ijtc-373	20	13	https://doi.org/10.52728/ijtc.v2i4.373	https://doi.org/10.52728/ijtc.v2i4.373	VERB
ijtc-373	20	14	financial	financial	ADJ
ijtc-373	20	15	literacy	literacy	NOUN
ijtc-373	20	16	and	and	CCONJ
ijtc-373	20	17	inclusion	inclusion	NOUN
ijtc-373	20	18	analysis	analysis	NOUN
ijtc-373	20	19	of	of	ADP
ijtc-373	20	20	the	the	DET
ijtc-373	20	21	community	community	NOUN
ijtc-373	20	22	of	of	ADP
ijtc-373	20	23	pulau	pulau	PROPN
ijtc-373	20	24	seribu	seribu	NOUN
ijtc-373	20	25	(	(	PUNCT
ijtc-373	20	26	a	a	DET
ijtc-373	20	27	case	case	NOUN
ijtc-373	20	28	study	study	NOUN
ijtc-373	20	29	on	on	ADP
ijtc-373	20	30	the	the	DET
ijtc-373	20	31	limitations	limitation	NOUN
ijtc-373	20	32	of	of	ADP
ijtc-373	20	33	banking	bank	VERB
ijtc-373	20	34	financial	financial	ADJ
ijtc-373	20	35	services	service	NOUN
ijtc-373	20	36	in	in	ADP
ijtc-373	20	37	the	the	DET
ijtc-373	20	38	pulau	pulau	PROPN
ijtc-373	20	39	seribu	seribu	NOUN
ijtc-373	20	40	)	)	PUNCT
ijtc-373	20	41	prasetiyani	prasetiyani	NOUN
ijtc-373	20	42	,	,	PUNCT
ijtc-373	20	43	sumidartini	sumidartini	PROPN
ijtc-373	20	44	,	,	PUNCT
ijtc-373	20	45	barlian	barlian	NOUN
ijtc-373	20	46	256	256	NUM
ijtc-373	20	47	|	|	ADV
ijtc-373	20	48	ilomata	ilomata	PROPN
ijtc-373	20	49	international	international	ADJ
ijtc-373	20	50	journal	journal	NOUN
ijtc-373	20	51	of	of	ADP
ijtc-373	20	52	tax	tax	PROPN
ijtc-373	20	53	&	&	CCONJ
ijtc-373	20	54	accounting	accounting	PROPN
ijtc-373	20	55	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-373	20	56	and	and	CCONJ
ijtc-373	20	57	ignorance	ignorance	NOUN
ijtc-373	20	58	about	about	ADP
ijtc-373	20	59	basic	basic	ADJ
ijtc-373	20	60	financial	financial	ADJ
ijtc-373	20	61	concepts	concept	NOUN
ijtc-373	20	62	can	can	AUX
ijtc-373	20	63	be	be	AUX
ijtc-373	20	64	linked	link	VERB
ijtc-373	20	65	to	to	ADP
ijtc-373	20	66	a	a	DET
ijtc-373	20	67	lack	lack	NOUN
ijtc-373	20	68	of	of	ADP
ijtc-373	20	69	retirement	retirement	NOUN
ijtc-373	20	70	planning	planning	NOUN
ijtc-373	20	71	and	and	CCONJ
ijtc-373	20	72	lack	lack	NOUN
ijtc-373	20	73	of	of	ADP
ijtc-373	20	74	wealth	wealth	NOUN
ijtc-373	20	75	(	(	PUNCT
ijtc-373	20	76	sarpong	sarpong	NOUN
ijtc-373	20	77	-	-	PUNCT
ijtc-373	20	78	kumankoma	kumankoma	NOUN
ijtc-373	20	79	,	,	PUNCT
ijtc-373	20	80	2021	2021	NUM
ijtc-373	20	81	)	)	PUNCT
ijtc-373	20	82	.	.	PUNCT
ijtc-373	21	1	a	a	DET
ijtc-373	21	2	study	study	NOUN
ijtc-373	21	3	in	in	ADP
ijtc-373	21	4	indonesia	indonesia	PROPN
ijtc-373	21	5	show	show	VERB
ijtc-373	21	6	that	that	SCONJ
ijtc-373	21	7	financial	financial	ADJ
ijtc-373	21	8	literacy	literacy	NOUN
ijtc-373	21	9	has	have	VERB
ijtc-373	21	10	a	a	DET
ijtc-373	21	11	positive	positive	ADJ
ijtc-373	21	12	effect	effect	NOUN
ijtc-373	21	13	on	on	ADP
ijtc-373	21	14	access	access	NOUN
ijtc-373	21	15	to	to	ADP
ijtc-373	21	16	finance	finance	NOUN
ijtc-373	21	17	and	and	CCONJ
ijtc-373	21	18	growth	growth	NOUN
ijtc-373	21	19	of	of	ADP
ijtc-373	21	20	msmes	msme	NOUN
ijtc-373	21	21	,	,	PUNCT
ijtc-373	21	22	and	and	CCONJ
ijtc-373	21	23	access	access	NOUN
ijtc-373	21	24	to	to	ADP
ijtc-373	21	25	finance	finance	NOUN
ijtc-373	21	26	also	also	ADV
ijtc-373	21	27	has	have	VERB
ijtc-373	21	28	a	a	DET
ijtc-373	21	29	positive	positive	ADJ
ijtc-373	21	30	effect	effect	NOUN
ijtc-373	21	31	on	on	ADP
ijtc-373	21	32	growth	growth	NOUN
ijtc-373	21	33	of	of	ADP
ijtc-373	21	34	msmes	msme	NOUN
ijtc-373	21	35	(	(	PUNCT
ijtc-373	21	36	susan	susan	PROPN
ijtc-373	21	37	,	,	PUNCT
ijtc-373	21	38	2020	2020	NUM
ijtc-373	21	39	)	)	PUNCT
ijtc-373	21	40	.	.	PUNCT
ijtc-373	22	1	the	the	DET
ijtc-373	22	2	purpose	purpose	NOUN
ijtc-373	22	3	of	of	ADP
ijtc-373	22	4	financial	financial	ADJ
ijtc-373	22	5	literacy	literacy	NOUN
ijtc-373	22	6	is	be	AUX
ijtc-373	22	7	to	to	PART
ijtc-373	22	8	create	create	VERB
ijtc-373	22	9	better	well	ADJ
ijtc-373	22	10	economic	economic	ADJ
ijtc-373	22	11	decisions	decision	NOUN
ijtc-373	22	12	through	through	ADP
ijtc-373	22	13	citizens	citizen	NOUN
ijtc-373	22	14	who	who	PRON
ijtc-373	22	15	have	have	VERB
ijtc-373	22	16	adequate	adequate	ADJ
ijtc-373	22	17	information	information	NOUN
ijtc-373	22	18	and	and	CCONJ
ijtc-373	22	19	knowledge	knowledge	NOUN
ijtc-373	22	20	and	and	CCONJ
ijtc-373	22	21	also	also	ADV
ijtc-373	22	22	to	to	PART
ijtc-373	22	23	improve	improve	VERB
ijtc-373	22	24	household	household	NOUN
ijtc-373	22	25	welfare	welfare	NOUN
ijtc-373	22	26	both	both	CCONJ
ijtc-373	22	27	individually	individually	ADV
ijtc-373	22	28	and	and	CCONJ
ijtc-373	22	29	in	in	ADP
ijtc-373	22	30	groups	group	NOUN
ijtc-373	22	31	(	(	PUNCT
ijtc-373	22	32	nugraha	nugraha	NOUN
ijtc-373	22	33	,	,	PUNCT
ijtc-373	22	34	2018	2018	NUM
ijtc-373	22	35	)	)	PUNCT
ijtc-373	22	36	.	.	PUNCT
ijtc-373	23	1	financial	financial	ADJ
ijtc-373	23	2	literacy	literacy	NOUN
ijtc-373	23	3	is	be	AUX
ijtc-373	23	4	able	able	ADJ
ijtc-373	23	5	to	to	PART
ijtc-373	23	6	move	move	VERB
ijtc-373	23	7	economic	economic	ADJ
ijtc-373	23	8	actors	actor	NOUN
ijtc-373	23	9	to	to	PART
ijtc-373	23	10	carry	carry	VERB
ijtc-373	23	11	out	out	ADP
ijtc-373	23	12	financial	financial	ADJ
ijtc-373	23	13	planning	planning	NOUN
ijtc-373	23	14	.	.	PUNCT
ijtc-373	24	1	financial	financial	ADJ
ijtc-373	24	2	planning	planning	NOUN
ijtc-373	24	3	according	accord	VERB
ijtc-373	24	4	to	to	ADP
ijtc-373	24	5	the	the	DET
ijtc-373	24	6	otoritas	otorita	NOUN
ijtc-373	24	7	jasa	jasa	PROPN
ijtc-373	24	8	keuangan(ojk	keuangan(ojk	PROPN
ijtc-373	24	9	)	)	PUNCT
ijtc-373	24	10	is	be	AUX
ijtc-373	24	11	how	how	SCONJ
ijtc-373	24	12	to	to	PART
ijtc-373	24	13	live	live	VERB
ijtc-373	24	14	a	a	DET
ijtc-373	24	15	simple	simple	ADJ
ijtc-373	24	16	current	current	ADJ
ijtc-373	24	17	life	life	NOUN
ijtc-373	24	18	in	in	ADP
ijtc-373	24	19	accordance	accordance	NOUN
ijtc-373	24	20	with	with	ADP
ijtc-373	24	21	financial	financial	ADJ
ijtc-373	24	22	conditions	condition	NOUN
ijtc-373	24	23	and	and	CCONJ
ijtc-373	24	24	prepare	prepare	VERB
ijtc-373	24	25	for	for	ADP
ijtc-373	24	26	a	a	DET
ijtc-373	24	27	better	well	ADJ
ijtc-373	24	28	and	and	CCONJ
ijtc-373	24	29	more	more	ADV
ijtc-373	24	30	advanced	advanced	ADJ
ijtc-373	24	31	future	future	NOUN
ijtc-373	24	32	(	(	PUNCT
ijtc-373	24	33	suryani	suryani	X
ijtc-373	24	34	&	&	CCONJ
ijtc-373	24	35	ramadhan	ramadhan	PROPN
ijtc-373	24	36	,	,	PUNCT
ijtc-373	24	37	2017	2017	NUM
ijtc-373	24	38	)	)	PUNCT
ijtc-373	24	39	.	.	PUNCT
ijtc-373	25	1	the	the	DET
ijtc-373	25	2	demographics	demographic	NOUN
ijtc-373	25	3	of	of	ADP
ijtc-373	25	4	financial	financial	ADJ
ijtc-373	25	5	literacy	literacy	NOUN
ijtc-373	25	6	in	in	ADP
ijtc-373	25	7	indonesia	indonesia	PROPN
ijtc-373	25	8	in	in	ADP
ijtc-373	25	9	2019	2019	NUM
ijtc-373	25	10	based	base	VERB
ijtc-373	25	11	on	on	ADP
ijtc-373	25	12	the	the	DET
ijtc-373	25	13	ojk	ojk	NOUN
ijtc-373	25	14	survey	survey	NOUN
ijtc-373	25	15	figure	figure	NOUN
ijtc-373	25	16	1	1	NUM
ijtc-373	25	17	.	.	PUNCT
ijtc-373	26	1	indonesia	indonesia	PROPN
ijtc-373	26	2	's	's	PART
ijtc-373	26	3	2019	2019	NUM
ijtc-373	26	4	financial	financial	ADJ
ijtc-373	26	5	literacy	literacy	NOUN
ijtc-373	26	6	demographics	demographic	NOUN
ijtc-373	26	7	source	source	NOUN
ijtc-373	26	8	:	:	PUNCT
ijtc-373	26	9	otoritas	otoritas	PROPN
ijtc-373	26	10	jasa	jasa	PROPN
ijtc-373	26	11	keuangan	keuangan	PROPN
ijtc-373	26	12	survey	survey	PROPN
ijtc-373	26	13	report	report	NOUN
ijtc-373	26	14	2019	2019	NUM
ijtc-373	26	15	the	the	DET
ijtc-373	26	16	ojk	ojk	NOUN
ijtc-373	26	17	survey	survey	NOUN
ijtc-373	26	18	shows	show	VERB
ijtc-373	26	19	that	that	SCONJ
ijtc-373	26	20	the	the	DET
ijtc-373	26	21	highest	high	ADJ
ijtc-373	26	22	position	position	NOUN
ijtc-373	26	23	of	of	ADP
ijtc-373	26	24	financial	financial	ADJ
ijtc-373	26	25	literacy	literacy	NOUN
ijtc-373	26	26	is	be	AUX
ijtc-373	26	27	occupied	occupy	VERB
ijtc-373	26	28	by	by	ADP
ijtc-373	26	29	the	the	DET
ijtc-373	26	30	province	province	NOUN
ijtc-373	26	31	of	of	ADP
ijtc-373	26	32	dki	dki	PROPN
ijtc-373	26	33	jakarta	jakarta	PROPN
ijtc-373	26	34	at	at	ADP
ijtc-373	26	35	59.16	59.16	NUM
ijtc-373	26	36	%	%	NOUN
ijtc-373	26	37	and	and	CCONJ
ijtc-373	26	38	the	the	DET
ijtc-373	26	39	lowest	low	ADJ
ijtc-373	26	40	position	position	NOUN
ijtc-373	26	41	in	in	ADP
ijtc-373	26	42	the	the	DET
ijtc-373	26	43	province	province	NOUN
ijtc-373	26	44	of	of	ADP
ijtc-373	26	45	nusa	nusa	PROPN
ijtc-373	26	46	tenggara	tenggara	PROPN
ijtc-373	26	47	timur	timur	PROPN
ijtc-373	26	48	(	(	PUNCT
ijtc-373	26	49	ntt	ntt	PROPN
ijtc-373	26	50	)	)	PUNCT
ijtc-373	26	51	at	at	ADP
ijtc-373	26	52	27.62	27.62	NUM
ijtc-373	26	53	%	%	NOUN
ijtc-373	26	54	(	(	PUNCT
ijtc-373	26	55	jasa	jasa	PROPN
ijtc-373	26	56	keuangan	keuangan	PROPN
ijtc-373	26	57	,	,	PUNCT
ijtc-373	26	58	2019	2019	NUM
ijtc-373	26	59	)	)	PUNCT
ijtc-373	26	60	the	the	DET
ijtc-373	26	61	existence	existence	NOUN
ijtc-373	26	62	of	of	ADP
ijtc-373	26	63	a	a	DET
ijtc-373	26	64	gap	gap	NOUN
ijtc-373	26	65	between	between	ADP
ijtc-373	26	66	the	the	DET
ijtc-373	26	67	pulau	pulau	PROPN
ijtc-373	26	68	seribu	seribu	NOUN
ijtc-373	26	69	and	and	CCONJ
ijtc-373	26	70	the	the	DET
ijtc-373	26	71	mainland	mainland	NOUN
ijtc-373	26	72	dki	dki	PROPN
ijtc-373	26	73	jakarta	jakarta	PROPN
ijtc-373	26	74	shows	show	VERB
ijtc-373	26	75	that	that	SCONJ
ijtc-373	26	76	the	the	DET
ijtc-373	26	77	development	development	NOUN
ijtc-373	26	78	is	be	AUX
ijtc-373	26	79	not	not	PART
ijtc-373	26	80	evenly	evenly	ADV
ijtc-373	26	81	distributed	distribute	VERB
ijtc-373	26	82	economically	economically	ADV
ijtc-373	26	83	or	or	CCONJ
ijtc-373	26	84	commonly	commonly	ADV
ijtc-373	26	85	referred	refer	VERB
ijtc-373	26	86	to	to	ADP
ijtc-373	26	87	as	as	ADP
ijtc-373	26	88	the	the	DET
ijtc-373	26	89	development	development	NOUN
ijtc-373	26	90	economy	economy	NOUN
ijtc-373	26	91	in	in	ADP
ijtc-373	26	92	which	which	PRON
ijtc-373	26	93	a	a	DET
ijtc-373	26	94	country	country	NOUN
ijtc-373	26	95	aims	aim	VERB
ijtc-373	26	96	to	to	PART
ijtc-373	26	97	improve	improve	VERB
ijtc-373	26	98	the	the	DET
ijtc-373	26	99	welfare	welfare	NOUN
ijtc-373	26	100	of	of	ADP
ijtc-373	26	101	its	its	PRON
ijtc-373	26	102	people	people	NOUN
ijtc-373	26	103	.	.	PUNCT
ijtc-373	27	1	development	development	NOUN
ijtc-373	27	2	economics	economics	PROPN
ijtc-373	27	3	is	be	AUX
ijtc-373	27	4	the	the	DET
ijtc-373	27	5	part	part	NOUN
ijtc-373	27	6	of	of	ADP
ijtc-373	27	7	economics	economic	NOUN
ijtc-373	27	8	that	that	PRON
ijtc-373	27	9	deals	deal	VERB
ijtc-373	27	10	with	with	ADP
ijtc-373	27	11	the	the	DET
ijtc-373	27	12	economic	economic	ADJ
ijtc-373	27	13	aspects	aspect	NOUN
ijtc-373	27	14	of	of	ADP
ijtc-373	27	15	the	the	DET
ijtc-373	27	16	development	development	NOUN
ijtc-373	27	17	process	process	NOUN
ijtc-373	27	18	in	in	ADP
ijtc-373	27	19	lowincome	lowincome	NOUN
ijtc-373	27	20	countries	country	NOUN
ijtc-373	27	21	.	.	PUNCT
ijtc-373	28	1	economic	economic	ADJ
ijtc-373	28	2	development	development	NOUN
ijtc-373	28	3	does	do	AUX
ijtc-373	28	4	not	not	PART
ijtc-373	28	5	only	only	ADV
ijtc-373	28	6	develop	develop	VERB
ijtc-373	28	7	its	its	PRON
ijtc-373	28	8	economic	economic	ADJ
ijtc-373	28	9	development	development	NOUN
ijtc-373	28	10	,	,	PUNCT
ijtc-373	28	11	economic	economic	ADJ
ijtc-373	28	12	growth	growth	NOUN
ijtc-373	28	13	and	and	CCONJ
ijtc-373	28	14	structural	structural	ADJ
ijtc-373	28	15	changes	change	NOUN
ijtc-373	28	16	but	but	CCONJ
ijtc-373	28	17	also	also	ADV
ijtc-373	28	18	in	in	ADP
ijtc-373	28	19	increasing	increase	VERB
ijtc-373	28	20	the	the	DET
ijtc-373	28	21	potential	potential	NOUN
ijtc-373	28	22	of	of	ADP
ijtc-373	28	23	the	the	DET
ijtc-373	28	24	mass	mass	ADJ
ijtc-373	28	25	population	population	NOUN
ijtc-373	28	26	,	,	PUNCT
ijtc-373	28	27	such	such	ADJ
ijtc-373	28	28	as	as	ADP
ijtc-373	28	29	through	through	ADP
ijtc-373	28	30	health	health	NOUN
ijtc-373	28	31	,	,	PUNCT
ijtc-373	28	32	education	education	NOUN
ijtc-373	28	33	and	and	CCONJ
ijtc-373	28	34	the	the	DET
ijtc-373	28	35	work	work	NOUN
ijtc-373	28	36	environment	environment	NOUN
ijtc-373	28	37	,	,	PUNCT
ijtc-373	28	38	both	both	CCONJ
ijtc-373	28	39	through	through	ADP
ijtc-373	28	40	the	the	DET
ijtc-373	28	41	public	public	ADJ
ijtc-373	28	42	sector	sector	NOUN
ijtc-373	28	43	and	and	CCONJ
ijtc-373	28	44	the	the	DET
ijtc-373	28	45	private	private	ADJ
ijtc-373	28	46	sector	sector	NOUN
ijtc-373	28	47	(	(	PUNCT
ijtc-373	28	48	private	private	ADJ
ijtc-373	28	49	sector	sector	NOUN
ijtc-373	28	50	)	)	PUNCT
ijtc-373	28	51	.	.	PUNCT
ijtc-373	29	1	the	the	DET
ijtc-373	29	2	definition	definition	NOUN
ijtc-373	29	3	of	of	ADP
ijtc-373	29	4	economic	economic	ADJ
ijtc-373	29	5	development	development	NOUN
ijtc-373	29	6	according	accord	VERB
ijtc-373	29	7	to	to	ADP
ijtc-373	29	8	indonesian	indonesian	ADJ
ijtc-373	29	9	economist	economist	NOUN
ijtc-373	29	10	sadono	sadono	PROPN
ijtc-373	29	11	sukirno	sukirno	NOUN
ijtc-373	29	12	"	"	PUNCT
ijtc-373	29	13	development	development	NOUN
ijtc-373	29	14	economy	economy	NOUN
ijtc-373	29	15	is	be	AUX
ijtc-373	29	16	the	the	DET
ijtc-373	29	17	process	process	NOUN
ijtc-373	29	18	of	of	ADP
ijtc-373	29	19	increasing	increase	VERB
ijtc-373	29	20	income	income	NOUN
ijtc-373	29	21	or	or	CCONJ
ijtc-373	29	22	per	per	ADP
ijtc-373	29	23	capita	capita	NOUN
ijtc-373	29	24	income	income	NOUN
ijtc-373	29	25	of	of	ADP
ijtc-373	29	26	a	a	DET
ijtc-373	29	27	country	country	NOUN
ijtc-373	29	28	by	by	ADP
ijtc-373	29	29	processing	process	VERB
ijtc-373	29	30	economic	economic	ADJ
ijtc-373	29	31	potential	potential	NOUN
ijtc-373	29	32	into	into	ADP
ijtc-373	29	33	real	real	ADJ
ijtc-373	29	34	form	form	NOUN
ijtc-373	29	35	"	"	PUNCT
ijtc-373	29	36	(	(	PUNCT
ijtc-373	29	37	sukirno	sukirno	NOUN
ijtc-373	29	38	,	,	PUNCT
ijtc-373	29	39	2006	2006	NUM
ijtc-373	29	40	)	)	PUNCT
ijtc-373	29	41	.	.	PUNCT
ijtc-373	30	1	in	in	ADP
ijtc-373	30	2	order	order	NOUN
ijtc-373	30	3	to	to	PART
ijtc-373	30	4	harmonize	harmonize	VERB
ijtc-373	30	5	the	the	DET
ijtc-373	30	6	development	development	NOUN
ijtc-373	30	7	economy	economy	NOUN
ijtc-373	30	8	and	and	CCONJ
ijtc-373	30	9	a	a	DET
ijtc-373	30	10	sustainable	sustainable	ADJ
ijtc-373	30	11	financial	financial	ADJ
ijtc-373	30	12	system	system	NOUN
ijtc-373	30	13	to	to	PART
ijtc-373	30	14	form	form	VERB
ijtc-373	30	15	a	a	DET
ijtc-373	30	16	quality	quality	NOUN
ijtc-373	30	17	society	society	NOUN
ijtc-373	30	18	in	in	ADP
ijtc-373	30	19	terms	term	NOUN
ijtc-373	30	20	of	of	ADP
ijtc-373	30	21	human	human	ADJ
ijtc-373	30	22	resources	resource	NOUN
ijtc-373	30	23	and	and	CCONJ
ijtc-373	30	24	economic	economic	ADJ
ijtc-373	30	25	aspects	aspect	NOUN
ijtc-373	30	26	,	,	PUNCT
ijtc-373	30	27	ojk	ojk	NOUN
ijtc-373	30	28	has	have	AUX
ijtc-373	30	29	issued	issue	VERB
ijtc-373	30	30	a	a	DET
ijtc-373	30	31	roadmap	roadmap	NOUN
ijtc-373	30	32	for	for	ADP
ijtc-373	30	33	sustainable	sustainable	ADJ
ijtc-373	30	34	finance	finance	NOUN
ijtc-373	30	35	(	(	PUNCT
ijtc-373	30	36	sustainable	sustainable	ADJ
ijtc-373	30	37	finance	finance	NOUN
ijtc-373	30	38	)	)	PUNCT
ijtc-373	30	39	which	which	PRON
ijtc-373	30	40	is	be	AUX
ijtc-373	30	41	defined	define	VERB
ijtc-373	30	42	as	as	ADP
ijtc-373	30	43	comprehensive	comprehensive	ADJ
ijtc-373	30	44	support	support	NOUN
ijtc-373	30	45	from	from	ADP
ijtc-373	30	46	the	the	DET
ijtc-373	30	47	financial	financial	ADJ
ijtc-373	30	48	services	service	NOUN
ijtc-373	30	49	industry	industry	NOUN
ijtc-373	30	50	for	for	ADP
ijtc-373	30	51	sustainable	sustainable	ADJ
ijtc-373	30	52	growth	growth	NOUN
ijtc-373	30	53	resulting	result	VERB
ijtc-373	30	54	from	from	ADP
ijtc-373	30	55	harmony	harmony	NOUN
ijtc-373	30	56	.	.	PUNCT
ijtc-373	31	1	between	between	ADP
ijtc-373	31	2	economic	economic	ADJ
ijtc-373	31	3	,	,	PUNCT
ijtc-373	31	4	social	social	ADJ
ijtc-373	31	5	and	and	CCONJ
ijtc-373	31	6	environmental	environmental	ADJ
ijtc-373	31	7	interests	interest	NOUN
ijtc-373	31	8	as	as	SCONJ
ijtc-373	31	9	stated	state	VERB
ijtc-373	31	10	in	in	ADP
ijtc-373	31	11	the	the	DET
ijtc-373	31	12	medium	medium	ADJ
ijtc-373	31	13	term	term	NOUN
ijtc-373	31	14	development	development	NOUN
ijtc-373	31	15	plan	plan	NOUN
ijtc-373	31	16	(	(	PUNCT
ijtc-373	31	17	rpjmn	rpjmn	NOUN
ijtc-373	31	18	)	)	PUNCT
ijtc-373	31	19	dated	date	VERB
ijtc-373	31	20	5	5	NUM
ijtc-373	31	21	december	december	PROPN
ijtc-373	31	22	2014	2014	NUM
ijtc-373	31	23	and	and	CCONJ
ijtc-373	31	24	published	publish	VERB
ijtc-373	31	25	the	the	DET
ijtc-373	31	26	2015	2015	NUM
ijtc-373	31	27	-	-	SYM
ijtc-373	31	28	2019	2019	NUM
ijtc-373	31	29	sustainable	sustainable	ADJ
ijtc-373	31	30	finance	finance	NOUN
ijtc-373	31	31	roadmap	roadmap	NOUN
ijtc-373	31	32	(	(	PUNCT
ijtc-373	31	33	roadmap	roadmap	NOUN
ijtc-373	31	34	for	for	ADP
ijtc-373	31	35	suistainable	suistainable	ADJ
ijtc-373	31	36	finance	finance	NOUN
ijtc-373	31	37	in	in	ADP
ijtc-373	31	38	indonesia	indonesia	PROPN
ijtc-373	31	39	,	,	PUNCT
ijtc-373	31	40	2015	2015	NUM
ijtc-373	31	41	)	)	PUNCT
ijtc-373	31	42	.	.	PUNCT
ijtc-373	32	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-373	32	2	financial	financial	ADJ
ijtc-373	32	3	literacy	literacy	NOUN
ijtc-373	32	4	and	and	CCONJ
ijtc-373	32	5	inclusion	inclusion	NOUN
ijtc-373	32	6	analysis	analysis	NOUN
ijtc-373	32	7	of	of	ADP
ijtc-373	32	8	the	the	DET
ijtc-373	32	9	community	community	NOUN
ijtc-373	32	10	of	of	ADP
ijtc-373	32	11	pulau	pulau	PROPN
ijtc-373	32	12	seribu	seribu	NOUN
ijtc-373	32	13	(	(	PUNCT
ijtc-373	32	14	a	a	DET
ijtc-373	32	15	case	case	NOUN
ijtc-373	32	16	study	study	NOUN
ijtc-373	32	17	on	on	ADP
ijtc-373	32	18	the	the	DET
ijtc-373	32	19	limitations	limitation	NOUN
ijtc-373	32	20	of	of	ADP
ijtc-373	32	21	banking	bank	VERB
ijtc-373	32	22	financial	financial	ADJ
ijtc-373	32	23	services	service	NOUN
ijtc-373	32	24	in	in	ADP
ijtc-373	32	25	the	the	DET
ijtc-373	32	26	pulau	pulau	PROPN
ijtc-373	32	27	seribu	seribu	NOUN
ijtc-373	32	28	)	)	PUNCT
ijtc-373	32	29	prasetiyani	prasetiyani	NOUN
ijtc-373	32	30	,	,	PUNCT
ijtc-373	32	31	sumidartini	sumidartini	PROPN
ijtc-373	32	32	,	,	PUNCT
ijtc-373	32	33	barlian	barlian	NOUN
ijtc-373	32	34	257	257	NUM
ijtc-373	32	35	|	|	ADV
ijtc-373	32	36	ilomata	ilomata	PROPN
ijtc-373	32	37	international	international	ADJ
ijtc-373	32	38	journal	journal	NOUN
ijtc-373	32	39	of	of	ADP
ijtc-373	32	40	tax	tax	PROPN
ijtc-373	32	41	&	&	CCONJ
ijtc-373	32	42	accounting	accounting	PROPN
ijtc-373	32	43	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-373	32	44	the	the	DET
ijtc-373	32	45	problems	problem	NOUN
ijtc-373	32	46	dki	dki	PROPN
ijtc-373	32	47	jakarta	jakarta	PROPN
ijtc-373	32	48	is	be	AUX
ijtc-373	32	49	as	as	SCONJ
ijtc-373	32	50	the	the	DET
ijtc-373	32	51	top	top	ADJ
ijtc-373	32	52	rank	rank	NOUN
ijtc-373	32	53	in	in	ADP
ijtc-373	32	54	financial	financial	ADJ
ijtc-373	32	55	literacy	literacy	NOUN
ijtc-373	32	56	is	be	AUX
ijtc-373	32	57	an	an	DET
ijtc-373	32	58	indicator	indicator	NOUN
ijtc-373	32	59	of	of	ADP
ijtc-373	32	60	the	the	DET
ijtc-373	32	61	high	high	ADJ
ijtc-373	32	62	level	level	NOUN
ijtc-373	32	63	of	of	ADP
ijtc-373	32	64	welfare	welfare	NOUN
ijtc-373	32	65	of	of	ADP
ijtc-373	32	66	its	its	PRON
ijtc-373	32	67	population	population	NOUN
ijtc-373	32	68	,	,	PUNCT
ijtc-373	32	69	in	in	ADP
ijtc-373	32	70	addition	addition	NOUN
ijtc-373	32	71	to	to	ADP
ijtc-373	32	72	high	high	ADJ
ijtc-373	32	73	financial	financial	ADJ
ijtc-373	32	74	literacy	literacy	NOUN
ijtc-373	32	75	,	,	PUNCT
ijtc-373	32	76	dki	dki	PROPN
ijtc-373	32	77	jakarta	jakarta	PROPN
ijtc-373	32	78	's	's	PART
ijtc-373	32	79	financial	financial	ADJ
ijtc-373	32	80	inclusion	inclusion	NOUN
ijtc-373	32	81	also	also	ADV
ijtc-373	32	82	ranks	rank	VERB
ijtc-373	32	83	first	first	ADV
ijtc-373	32	84	at	at	ADP
ijtc-373	32	85	94.76	94.76	NUM
ijtc-373	32	86	%	%	NOUN
ijtc-373	32	87	while	while	SCONJ
ijtc-373	32	88	ntt	ntt	PROPN
ijtc-373	32	89	province	province	NOUN
ijtc-373	32	90	lasts	last	VERB
ijtc-373	32	91	at	at	ADP
ijtc-373	32	92	60.63	60.63	NUM
ijtc-373	32	93	%	%	NOUN
ijtc-373	32	94	,	,	PUNCT
ijtc-373	32	95	however	however	ADV
ijtc-373	32	96	,	,	PUNCT
ijtc-373	32	97	the	the	DET
ijtc-373	32	98	dki	dki	PROPN
ijtc-373	32	99	jakarta	jakarta	PROPN
ijtc-373	32	100	area	area	PROPN
ijtc-373	32	101	,	,	PUNCT
ijtc-373	32	102	which	which	PRON
ijtc-373	32	103	is	be	AUX
ijtc-373	32	104	divided	divide	VERB
ijtc-373	32	105	into	into	ADP
ijtc-373	32	106	two	two	NUM
ijtc-373	32	107	regions	region	NOUN
ijtc-373	32	108	,	,	PUNCT
ijtc-373	32	109	namely	namely	ADV
ijtc-373	32	110	mainland	mainland	NOUN
ijtc-373	32	111	dki	dki	PROPN
ijtc-373	32	112	jakarta	jakarta	PROPN
ijtc-373	32	113	and	and	CCONJ
ijtc-373	32	114	the	the	DET
ijtc-373	32	115	pulau	pulau	PROPN
ijtc-373	32	116	seribu	seribu	NOUN
ijtc-373	32	117	,	,	PUNCT
ijtc-373	32	118	has	have	AUX
ijtc-373	32	119	resulted	result	VERB
ijtc-373	32	120	in	in	ADP
ijtc-373	32	121	uneven	uneven	ADJ
ijtc-373	32	122	distribution	distribution	NOUN
ijtc-373	32	123	of	of	ADP
ijtc-373	32	124	financial	financial	ADJ
ijtc-373	32	125	inclusion	inclusion	NOUN
ijtc-373	32	126	and	and	CCONJ
ijtc-373	32	127	experienced	experience	VERB
ijtc-373	32	128	very	very	ADV
ijtc-373	32	129	different	different	ADJ
ijtc-373	32	130	gaps	gap	NOUN
ijtc-373	32	131	.	.	PUNCT
ijtc-373	33	1	in	in	ADP
ijtc-373	33	2	terms	term	NOUN
ijtc-373	33	3	of	of	ADP
ijtc-373	33	4	financial	financial	ADJ
ijtc-373	33	5	literacy	literacy	NOUN
ijtc-373	33	6	,	,	PUNCT
ijtc-373	33	7	the	the	DET
ijtc-373	33	8	people	people	NOUN
ijtc-373	33	9	of	of	ADP
ijtc-373	33	10	the	the	DET
ijtc-373	33	11	pulau	pulau	PROPN
ijtc-373	33	12	seribu	seribu	NOUN
ijtc-373	33	13	are	be	AUX
ijtc-373	33	14	sufficient	sufficient	ADJ
ijtc-373	33	15	,	,	PUNCT
ijtc-373	33	16	but	but	CCONJ
ijtc-373	33	17	in	in	ADP
ijtc-373	33	18	terms	term	NOUN
ijtc-373	33	19	of	of	ADP
ijtc-373	33	20	financial	financial	ADJ
ijtc-373	33	21	inclusion	inclusion	NOUN
ijtc-373	33	22	,	,	PUNCT
ijtc-373	33	23	their	their	PRON
ijtc-373	33	24	access	access	NOUN
ijtc-373	33	25	is	be	AUX
ijtc-373	33	26	not	not	PART
ijtc-373	33	27	wide	wide	ADV
ijtc-373	33	28	open	open	ADJ
ijtc-373	33	29	to	to	PART
ijtc-373	33	30	get	get	VERB
ijtc-373	33	31	it	it	PRON
ijtc-373	33	32	.	.	PUNCT
ijtc-373	34	1	the	the	DET
ijtc-373	34	2	researchers	researcher	NOUN
ijtc-373	34	3	used	use	VERB
ijtc-373	34	4	analysis	analysis	NOUN
ijtc-373	34	5	strength	strength	NOUN
ijtc-373	34	6	weakness	weakness	NOUN
ijtc-373	34	7	opportunity	opportunity	NOUN
ijtc-373	34	8	and	and	CCONJ
ijtc-373	34	9	threat	threat	NOUN
ijtc-373	34	10	or	or	CCONJ
ijtc-373	34	11	swot	swot	PROPN
ijtc-373	34	12	is	be	AUX
ijtc-373	34	13	a	a	DET
ijtc-373	34	14	strategy	strategy	NOUN
ijtc-373	34	15	that	that	PRON
ijtc-373	34	16	can	can	AUX
ijtc-373	34	17	be	be	AUX
ijtc-373	34	18	optimized	optimize	VERB
ijtc-373	34	19	by	by	ADP
ijtc-373	34	20	combining	combine	VERB
ijtc-373	34	21	strengths	strength	NOUN
ijtc-373	34	22	and	and	CCONJ
ijtc-373	34	23	opportunities	opportunity	NOUN
ijtc-373	34	24	,	,	PUNCT
ijtc-373	34	25	but	but	CCONJ
ijtc-373	34	26	at	at	ADP
ijtc-373	34	27	the	the	DET
ijtc-373	34	28	same	same	ADJ
ijtc-373	34	29	time	time	NOUN
ijtc-373	34	30	there	there	PRON
ijtc-373	34	31	are	be	VERB
ijtc-373	34	32	also	also	ADV
ijtc-373	34	33	weaknesses	weakness	NOUN
ijtc-373	34	34	and	and	CCONJ
ijtc-373	34	35	threats	threat	NOUN
ijtc-373	34	36	that	that	PRON
ijtc-373	34	37	must	must	AUX
ijtc-373	34	38	be	be	AUX
ijtc-373	34	39	minimized	minimize	VERB
ijtc-373	34	40	(	(	PUNCT
ijtc-373	34	41	abadi	abadi	PROPN
ijtc-373	34	42	et	et	PROPN
ijtc-373	34	43	al	al	PROPN
ijtc-373	34	44	.	.	PROPN
ijtc-373	34	45	,	,	PUNCT
ijtc-373	34	46	2020	2020	NUM
ijtc-373	34	47	)	)	PUNCT
ijtc-373	34	48	,	,	PUNCT
ijtc-373	34	49	to	to	PART
ijtc-373	34	50	measure	measure	VERB
ijtc-373	34	51	the	the	DET
ijtc-373	34	52	strengths	strength	NOUN
ijtc-373	34	53	and	and	CCONJ
ijtc-373	34	54	weaknesses	weakness	NOUN
ijtc-373	34	55	of	of	ADP
ijtc-373	34	56	pulau	pulau	PROPN
ijtc-373	34	57	seribu	seribu	NOUN
ijtc-373	34	58	in	in	ADP
ijtc-373	34	59	utilizing	utilize	VERB
ijtc-373	34	60	financial	financial	ADJ
ijtc-373	34	61	literacy	literacy	NOUN
ijtc-373	34	62	and	and	CCONJ
ijtc-373	34	63	empowering	empower	VERB
ijtc-373	34	64	financial	financial	ADJ
ijtc-373	34	65	inclusion	inclusion	NOUN
ijtc-373	34	66	as	as	ADP
ijtc-373	34	67	a	a	DET
ijtc-373	34	68	strategy	strategy	NOUN
ijtc-373	34	69	for	for	ADP
ijtc-373	34	70	the	the	DET
ijtc-373	34	71	potency	potency	NOUN
ijtc-373	34	72	welfare	welfare	NOUN
ijtc-373	34	73	of	of	ADP
ijtc-373	34	74	the	the	DET
ijtc-373	34	75	community	community	NOUN
ijtc-373	34	76	's	's	PART
ijtc-373	34	77	economy	economy	NOUN
ijtc-373	34	78	,	,	PUNCT
ijtc-373	34	79	.	.	PUNCT
ijtc-373	35	1	each	each	PRON
ijtc-373	35	2	of	of	ADP
ijtc-373	35	3	these	these	DET
ijtc-373	35	4	factors	factor	NOUN
ijtc-373	35	5	can	can	AUX
ijtc-373	35	6	be	be	AUX
ijtc-373	35	7	described	describe	VERB
ijtc-373	35	8	as	as	SCONJ
ijtc-373	35	9	follows	follow	VERB
ijtc-373	35	10	:	:	PUNCT
ijtc-373	36	1	1	1	X
ijtc-373	36	2	.	.	X
ijtc-373	36	3	strength	strength	NOUN
ijtc-373	36	4	,	,	PUNCT
ijtc-373	36	5	namely	namely	ADV
ijtc-373	36	6	the	the	DET
ijtc-373	36	7	advantages	advantage	NOUN
ijtc-373	36	8	possessed	possess	VERB
ijtc-373	36	9	by	by	ADP
ijtc-373	36	10	the	the	DET
ijtc-373	36	11	resources	resource	NOUN
ijtc-373	36	12	owned	own	VERB
ijtc-373	36	13	by	by	ADP
ijtc-373	36	14	the	the	DET
ijtc-373	36	15	organization	organization	NOUN
ijtc-373	36	16	,	,	PUNCT
ijtc-373	36	17	which	which	PRON
ijtc-373	36	18	can	can	AUX
ijtc-373	36	19	be	be	AUX
ijtc-373	36	20	used	use	VERB
ijtc-373	36	21	by	by	ADP
ijtc-373	36	22	factors	factor	NOUN
ijtc-373	36	23	that	that	PRON
ijtc-373	36	24	can	can	AUX
ijtc-373	36	25	handle	handle	VERB
ijtc-373	36	26	threats	threat	NOUN
ijtc-373	36	27	.	.	PUNCT
ijtc-373	37	1	2	2	X
ijtc-373	37	2	.	.	X
ijtc-373	37	3	weaknesses	weakness	NOUN
ijtc-373	37	4	,	,	PUNCT
ijtc-373	37	5	namely	namely	ADV
ijtc-373	37	6	deficiencies	deficiency	NOUN
ijtc-373	37	7	in	in	ADP
ijtc-373	37	8	resources	resource	NOUN
ijtc-373	37	9	that	that	PRON
ijtc-373	37	10	are	be	AUX
ijtc-373	37	11	difficult	difficult	ADJ
ijtc-373	37	12	to	to	PART
ijtc-373	37	13	use	use	VERB
ijtc-373	37	14	to	to	PART
ijtc-373	37	15	deal	deal	VERB
ijtc-373	37	16	with	with	ADP
ijtc-373	37	17	opportunities	opportunity	NOUN
ijtc-373	37	18	and	and	CCONJ
ijtc-373	37	19	threats	threat	NOUN
ijtc-373	37	20	.	.	PUNCT
ijtc-373	38	1	3	3	X
ijtc-373	38	2	.	.	X
ijtc-373	38	3	opportunity	opportunity	NOUN
ijtc-373	38	4	,	,	PUNCT
ijtc-373	38	5	namely	namely	ADV
ijtc-373	38	6	the	the	DET
ijtc-373	38	7	external	external	ADJ
ijtc-373	38	8	condition	condition	NOUN
ijtc-373	38	9	of	of	ADP
ijtc-373	38	10	resources	resource	NOUN
ijtc-373	38	11	that	that	PRON
ijtc-373	38	12	have	have	VERB
ijtc-373	38	13	the	the	DET
ijtc-373	38	14	potential	potential	NOUN
ijtc-373	38	15	to	to	PART
ijtc-373	38	16	be	be	AUX
ijtc-373	38	17	profitable	profitable	ADJ
ijtc-373	38	18	.	.	PUNCT
ijtc-373	39	1	4	4	X
ijtc-373	39	2	.	.	X
ijtc-373	39	3	threat	threat	NOUN
ijtc-373	39	4	is	be	AUX
ijtc-373	39	5	an	an	DET
ijtc-373	39	6	external	external	ADJ
ijtc-373	39	7	condition	condition	NOUN
ijtc-373	39	8	that	that	PRON
ijtc-373	39	9	has	have	VERB
ijtc-373	39	10	the	the	DET
ijtc-373	39	11	potential	potential	NOUN
ijtc-373	39	12	to	to	PART
ijtc-373	39	13	cause	cause	VERB
ijtc-373	39	14	problems	problem	NOUN
ijtc-373	39	15	and	and	CCONJ
ijtc-373	39	16	difficulties	difficulty	NOUN
ijtc-373	39	17	.	.	PUNCT
ijtc-373	40	1	table	table	NOUN
ijtc-373	40	2	2	2	NUM
ijtc-373	40	3	.	.	PUNCT
ijtc-373	40	4	swot	swot	PROPN
ijtc-373	40	5	matrix	matrix	VERB
ijtc-373	40	6	the	the	DET
ijtc-373	40	7	table	table	NOUN
ijtc-373	40	8	above	above	ADV
ijtc-373	40	9	is	be	AUX
ijtc-373	40	10	a	a	DET
ijtc-373	40	11	summary	summary	NOUN
ijtc-373	40	12	of	of	ADP
ijtc-373	40	13	the	the	DET
ijtc-373	40	14	swot	swot	PROPN
ijtc-373	40	15	analysis	analysis	NOUN
ijtc-373	40	16	and	and	CCONJ
ijtc-373	40	17	the	the	DET
ijtc-373	40	18	combination	combination	NOUN
ijtc-373	40	19	strategy	strategy	NOUN
ijtc-373	40	20	between	between	ADP
ijtc-373	40	21	the	the	DET
ijtc-373	40	22	pros	pro	NOUN
ijtc-373	40	23	and	and	CCONJ
ijtc-373	40	24	cons	con	NOUN
ijtc-373	40	25	of	of	ADP
ijtc-373	40	26	various	various	ADJ
ijtc-373	40	27	conditions	condition	NOUN
ijtc-373	40	28	(	(	PUNCT
ijtc-373	40	29	prasetiyani	prasetiyani	NOUN
ijtc-373	40	30	,	,	PUNCT
ijtc-373	40	31	2006	2006	NUM
ijtc-373	40	32	)	)	PUNCT
ijtc-373	40	33	method	method	VERB
ijtc-373	40	34	the	the	DET
ijtc-373	40	35	research	research	NOUN
ijtc-373	40	36	was	be	AUX
ijtc-373	40	37	conducted	conduct	VERB
ijtc-373	40	38	using	use	VERB
ijtc-373	40	39	qualitative	qualitative	ADJ
ijtc-373	40	40	methods	method	NOUN
ijtc-373	40	41	with	with	ADP
ijtc-373	40	42	data	datum	NOUN
ijtc-373	40	43	collection	collection	NOUN
ijtc-373	40	44	techniques	technique	NOUN
ijtc-373	40	45	through	through	ADP
ijtc-373	40	46	indepth	indepth	ADJ
ijtc-373	40	47	interviews	interview	NOUN
ijtc-373	40	48	.	.	PUNCT
ijtc-373	41	1	interviews	interview	NOUN
ijtc-373	41	2	with	with	ADP
ijtc-373	41	3	the	the	DET
ijtc-373	41	4	main	main	ADJ
ijtc-373	41	5	informants	informant	NOUN
ijtc-373	41	6	are	be	AUX
ijtc-373	41	7	those	those	PRON
ijtc-373	41	8	who	who	PRON
ijtc-373	41	9	are	be	AUX
ijtc-373	41	10	directly	directly	ADV
ijtc-373	41	11	involved	involve	VERB
ijtc-373	41	12	in	in	ADP
ijtc-373	41	13	the	the	DET
ijtc-373	41	14	social	social	ADJ
ijtc-373	41	15	interactions	interaction	NOUN
ijtc-373	41	16	studied	study	VERB
ijtc-373	41	17	and	and	CCONJ
ijtc-373	41	18	additional	additional	ADJ
ijtc-373	41	19	informants	informant	NOUN
ijtc-373	41	20	are	be	AUX
ijtc-373	41	21	those	those	PRON
ijtc-373	41	22	who	who	PRON
ijtc-373	41	23	can	can	AUX
ijtc-373	41	24	provide	provide	VERB
ijtc-373	41	25	information	information	NOUN
ijtc-373	41	26	even	even	ADV
ijtc-373	41	27	though	though	SCONJ
ijtc-373	41	28	they	they	PRON
ijtc-373	41	29	are	be	AUX
ijtc-373	41	30	not	not	PART
ijtc-373	41	31	directly	directly	ADV
ijtc-373	41	32	involved	involve	VERB
ijtc-373	41	33	in	in	ADP
ijtc-373	41	34	social	social	ADJ
ijtc-373	41	35	interactions	interaction	NOUN
ijtc-373	41	36	(	(	PUNCT
ijtc-373	41	37	rony	rony	NOUN
ijtc-373	41	38	,	,	PUNCT
ijtc-373	41	39	2017	2017	NUM
ijtc-373	41	40	)	)	PUNCT
ijtc-373	41	41	.	.	PUNCT
ijtc-373	42	1	informants	informant	NOUN
ijtc-373	42	2	major	major	ADJ
ijtc-373	42	3	is	be	AUX
ijtc-373	42	4	they	they	PRON
ijtc-373	42	5	have	have	VERB
ijtc-373	42	6	access	access	NOUN
ijtc-373	42	7	and	and	CCONJ
ijtc-373	42	8	always	always	ADV
ijtc-373	42	9	associated	associate	VERB
ijtc-373	42	10	with	with	ADP
ijtc-373	42	11	bank	bank	NOUN
ijtc-373	42	12	in	in	ADP
ijtc-373	42	13	financial	financial	ADJ
ijtc-373	42	14	interaction	interaction	NOUN
ijtc-373	42	15	as	as	ADP
ijtc-373	42	16	public	public	ADJ
ijtc-373	42	17	servants	servant	NOUN
ijtc-373	42	18	and	and	CCONJ
ijtc-373	42	19	msmes	msme	NOUN
ijtc-373	42	20	while	while	SCONJ
ijtc-373	42	21	additional	additional	ADJ
ijtc-373	42	22	informants	informant	NOUN
ijtc-373	42	23	were	be	AUX
ijtc-373	42	24	informants	informant	NOUN
ijtc-373	42	25	scanty	scanty	ADV
ijtc-373	42	26	associated	associate	VERB
ijtc-373	42	27	with	with	ADP
ijtc-373	42	28	banks	bank	NOUN
ijtc-373	42	29	and	and	CCONJ
ijtc-373	42	30	used	use	VERB
ijtc-373	42	31	in	in	ADP
ijtc-373	42	32	comparison	comparison	NOUN
ijtc-373	42	33	course	course	NOUN
ijtc-373	42	34	.	.	PUNCT
ijtc-373	43	1	the	the	DET
ijtc-373	43	2	type	type	NOUN
ijtc-373	43	3	of	of	ADP
ijtc-373	43	4	interview	interview	NOUN
ijtc-373	43	5	conducted	conduct	VERB
ijtc-373	43	6	is	be	AUX
ijtc-373	43	7	a	a	DET
ijtc-373	43	8	semi	semi	ADJ
ijtc-373	43	9	-	-	ADJ
ijtc-373	43	10	structured	structured	ADJ
ijtc-373	43	11	interview	interview	NOUN
ijtc-373	43	12	which	which	PRON
ijtc-373	43	13	is	be	AUX
ijtc-373	43	14	a	a	DET
ijtc-373	43	15	free	free	ADJ
ijtc-373	43	16	interview	interview	NOUN
ijtc-373	43	17	where	where	SCONJ
ijtc-373	43	18	the	the	DET
ijtc-373	43	19	researcher	researcher	NOUN
ijtc-373	43	20	still	still	ADV
ijtc-373	43	21	makes	make	VERB
ijtc-373	43	22	special	special	ADJ
ijtc-373	43	23	guidelines	guideline	NOUN
ijtc-373	43	24	.	.	PUNCT
ijtc-373	44	1	strength	strength	NOUN
ijtc-373	44	2	–	–	PUNCT
ijtc-373	44	3	s	s	NOUN
ijtc-373	44	4	(	(	PUNCT
ijtc-373	44	5	strength	strength	NOUN
ijtc-373	44	6	)	)	PUNCT
ijtc-373	44	7	list	list	NOUN
ijtc-373	44	8	of	of	ADP
ijtc-373	44	9	strengths	strength	NOUN
ijtc-373	44	10	weaknesses	weakness	NOUN
ijtc-373	44	11	–	–	PUNCT
ijtc-373	44	12	w	w	NOUN
ijtc-373	44	13	(	(	PUNCT
ijtc-373	44	14	weaknesses	weakness	NOUN
ijtc-373	44	15	)	)	PUNCT
ijtc-373	44	16	list	list	NOUN
ijtc-373	44	17	of	of	ADP
ijtc-373	44	18	weaknesses	weakness	NOUN
ijtc-373	44	19	opportunity	opportunity	NOUN
ijtc-373	44	20	–	–	PUNCT
ijtc-373	44	21	o	o	NOUN
ijtc-373	44	22	(	(	PUNCT
ijtc-373	44	23	opportunity	opportunity	NOUN
ijtc-373	44	24	)	)	PUNCT
ijtc-373	44	25	list	list	NOUN
ijtc-373	44	26	of	of	ADP
ijtc-373	44	27	opportunities	opportunity	NOUN
ijtc-373	44	28	so	so	SCONJ
ijtc-373	44	29	strategy	strategy	NOUN
ijtc-373	44	30	use	use	NOUN
ijtc-373	44	31	strength	strength	NOUN
ijtc-373	44	32	to	to	PART
ijtc-373	44	33	take	take	VERB
ijtc-373	44	34	advantage	advantage	NOUN
ijtc-373	44	35	of	of	ADP
ijtc-373	44	36	opportunities	opportunity	NOUN
ijtc-373	44	37	wo	will	AUX
ijtc-373	44	38	strategy	strategy	NOUN
ijtc-373	44	39	overcome	overcome	VERB
ijtc-373	44	40	weaknesses	weakness	NOUN
ijtc-373	44	41	by	by	ADP
ijtc-373	44	42	taking	take	VERB
ijtc-373	44	43	advantage	advantage	NOUN
ijtc-373	44	44	of	of	ADP
ijtc-373	44	45	opportunities	opportunity	NOUN
ijtc-373	44	46	threats	threat	NOUN
ijtc-373	44	47	–	–	PUNCT
ijtc-373	44	48	t	t	NOUN
ijtc-373	44	49	(	(	PUNCT
ijtc-373	44	50	threats	threat	NOUN
ijtc-373	44	51	)	)	PUNCT
ijtc-373	44	52	threat	threat	NOUN
ijtc-373	44	53	list	list	NOUN
ijtc-373	44	54	st	st	PROPN
ijtc-373	44	55	strategy	strategy	PROPN
ijtc-373	44	56	use	use	VERB
ijtc-373	44	57	power	power	NOUN
ijtc-373	44	58	to	to	PART
ijtc-373	44	59	avoid	avoid	VERB
ijtc-373	44	60	threats	threat	NOUN
ijtc-373	44	61	wt	wt	NOUN
ijtc-373	44	62	strategy	strategy	NOUN
ijtc-373	44	63	minimize	minimize	VERB
ijtc-373	44	64	weaknesses	weakness	NOUN
ijtc-373	44	65	and	and	CCONJ
ijtc-373	44	66	avoid	avoid	VERB
ijtc-373	44	67	threats	threat	NOUN
ijtc-373	44	68	.	.	PUNCT
ijtc-373	45	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-373	45	2	financial	financial	ADJ
ijtc-373	45	3	literacy	literacy	NOUN
ijtc-373	45	4	and	and	CCONJ
ijtc-373	45	5	inclusion	inclusion	NOUN
ijtc-373	45	6	analysis	analysis	NOUN
ijtc-373	45	7	of	of	ADP
ijtc-373	45	8	the	the	DET
ijtc-373	45	9	community	community	NOUN
ijtc-373	45	10	of	of	ADP
ijtc-373	45	11	pulau	pulau	PROPN
ijtc-373	45	12	seribu	seribu	NOUN
ijtc-373	45	13	(	(	PUNCT
ijtc-373	45	14	a	a	DET
ijtc-373	45	15	case	case	NOUN
ijtc-373	45	16	study	study	NOUN
ijtc-373	45	17	on	on	ADP
ijtc-373	45	18	the	the	DET
ijtc-373	45	19	limitations	limitation	NOUN
ijtc-373	45	20	of	of	ADP
ijtc-373	45	21	banking	bank	VERB
ijtc-373	45	22	financial	financial	ADJ
ijtc-373	45	23	services	service	NOUN
ijtc-373	45	24	in	in	ADP
ijtc-373	45	25	the	the	DET
ijtc-373	45	26	pulau	pulau	PROPN
ijtc-373	45	27	seribu	seribu	NOUN
ijtc-373	45	28	)	)	PUNCT
ijtc-373	45	29	prasetiyani	prasetiyani	NOUN
ijtc-373	45	30	,	,	PUNCT
ijtc-373	45	31	sumidartini	sumidartini	PROPN
ijtc-373	45	32	,	,	PUNCT
ijtc-373	45	33	barlian	barlian	NOUN
ijtc-373	45	34	258	258	NUM
ijtc-373	45	35	|	|	ADV
ijtc-373	45	36	ilomata	ilomata	PROPN
ijtc-373	45	37	international	international	ADJ
ijtc-373	45	38	journal	journal	NOUN
ijtc-373	45	39	of	of	ADP
ijtc-373	45	40	tax	tax	PROPN
ijtc-373	45	41	&	&	CCONJ
ijtc-373	45	42	accounting	accounting	PROPN
ijtc-373	45	43	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-373	45	44	the	the	DET
ijtc-373	45	45	interview	interview	NOUN
ijtc-373	45	46	is	be	AUX
ijtc-373	45	47	in	in	ADP
ijtc-373	45	48	the	the	DET
ijtc-373	45	49	form	form	NOUN
ijtc-373	45	50	of	of	ADP
ijtc-373	45	51	a	a	DET
ijtc-373	45	52	closed	closed	ADJ
ijtc-373	45	53	questionnaire	questionnaire	NOUN
ijtc-373	45	54	where	where	SCONJ
ijtc-373	45	55	the	the	DET
ijtc-373	45	56	researcher	researcher	NOUN
ijtc-373	45	57	gives	give	VERB
ijtc-373	45	58	answer	answer	NOUN
ijtc-373	45	59	choices	choice	NOUN
ijtc-373	45	60	about	about	ADP
ijtc-373	45	61	financial	financial	ADJ
ijtc-373	45	62	literacy	literacy	NOUN
ijtc-373	45	63	,	,	PUNCT
ijtc-373	45	64	financial	financial	ADJ
ijtc-373	45	65	inclusion	inclusion	NOUN
ijtc-373	45	66	and	and	CCONJ
ijtc-373	45	67	the	the	DET
ijtc-373	45	68	business	business	NOUN
ijtc-373	45	69	and	and	CCONJ
ijtc-373	45	70	financial	financial	ADJ
ijtc-373	45	71	conditions	condition	NOUN
ijtc-373	45	72	of	of	ADP
ijtc-373	45	73	the	the	DET
ijtc-373	45	74	respondent	respondent	NOUN
ijtc-373	45	75	or	or	CCONJ
ijtc-373	45	76	informant	informant	NOUN
ijtc-373	45	77	.	.	PUNCT
ijtc-373	46	1	the	the	DET
ijtc-373	46	2	following	follow	VERB
ijtc-373	46	3	are	be	AUX
ijtc-373	46	4	the	the	DET
ijtc-373	46	5	things	thing	NOUN
ijtc-373	46	6	question	question	NOUN
ijtc-373	46	7	by	by	ADP
ijtc-373	46	8	the	the	DET
ijtc-373	46	9	researchers	researcher	NOUN
ijtc-373	46	10	:	:	PUNCT
ijtc-373	46	11	table	table	NOUN
ijtc-373	46	12	3	3	NUM
ijtc-373	46	13	.	.	X
ijtc-373	46	14	question	question	NOUN
ijtc-373	46	15	aspect	aspect	NOUN
ijtc-373	46	16	no	no	INTJ
ijtc-373	46	17	.	.	PUNCT
ijtc-373	47	1	question	question	NOUN
ijtc-373	47	2	aspect	aspect	NOUN
ijtc-373	47	3	context	context	NOUN
ijtc-373	47	4	1	1	NUM
ijtc-373	47	5	.	.	PUNCT
ijtc-373	48	1	knowledge	knowledge	NOUN
ijtc-373	48	2	of	of	ADP
ijtc-373	48	3	financial	financial	ADJ
ijtc-373	48	4	and	and	CCONJ
ijtc-373	48	5	banking	banking	NOUN
ijtc-373	48	6	products	product	NOUN
ijtc-373	48	7	to	to	PART
ijtc-373	48	8	obtain	obtain	VERB
ijtc-373	48	9	information	information	NOUN
ijtc-373	48	10	on	on	ADP
ijtc-373	48	11	community	community	NOUN
ijtc-373	48	12	representatives	representative	NOUN
ijtc-373	48	13	consisting	consist	VERB
ijtc-373	48	14	of	of	ADP
ijtc-373	48	15	crossprofessionals	crossprofessional	NOUN
ijtc-373	48	16	2	2	NUM
ijtc-373	48	17	.	.	PUNCT
ijtc-373	48	18	access	access	NOUN
ijtc-373	48	19	to	to	ADP
ijtc-373	48	20	banking	banking	NOUN
ijtc-373	48	21	and	and	CCONJ
ijtc-373	48	22	credit	credit	NOUN
ijtc-373	48	23	to	to	PART
ijtc-373	48	24	obtain	obtain	VERB
ijtc-373	48	25	data	datum	NOUN
ijtc-373	48	26	on	on	ADP
ijtc-373	48	27	banking	banking	NOUN
ijtc-373	48	28	facilities	facility	NOUN
ijtc-373	48	29	in	in	ADP
ijtc-373	48	30	the	the	DET
ijtc-373	48	31	pulau	pulau	PROPN
ijtc-373	48	32	seribu	seribu	NOUN
ijtc-373	48	33	and	and	CCONJ
ijtc-373	48	34	access	access	NOUN
ijtc-373	48	35	to	to	ADP
ijtc-373	48	36	credit	credit	NOUN
ijtc-373	48	37	from	from	ADP
ijtc-373	48	38	banks	bank	NOUN
ijtc-373	48	39	or	or	CCONJ
ijtc-373	48	40	non	non	ADJ
ijtc-373	48	41	-	-	ADJ
ijtc-373	48	42	bank	bank	ADJ
ijtc-373	48	43	financial	financial	ADJ
ijtc-373	48	44	institutions	institution	NOUN
ijtc-373	48	45	that	that	PRON
ijtc-373	48	46	have	have	AUX
ijtc-373	48	47	been	be	AUX
ijtc-373	48	48	received	receive	VERB
ijtc-373	48	49	so	so	ADV
ijtc-373	48	50	far	far	ADV
ijtc-373	48	51	3	3	NUM
ijtc-373	48	52	.	.	PUNCT
ijtc-373	48	53	business	business	NOUN
ijtc-373	48	54	and	and	CCONJ
ijtc-373	48	55	financial	financial	ADJ
ijtc-373	48	56	conditions	condition	NOUN
ijtc-373	48	57	to	to	PART
ijtc-373	48	58	obtain	obtain	VERB
ijtc-373	48	59	data	datum	NOUN
ijtc-373	48	60	on	on	ADP
ijtc-373	48	61	how	how	SCONJ
ijtc-373	48	62	business	business	NOUN
ijtc-373	48	63	and	and	CCONJ
ijtc-373	48	64	financial	financial	ADJ
ijtc-373	48	65	conditions	condition	NOUN
ijtc-373	48	66	are	be	AUX
ijtc-373	48	67	with	with	ADP
ijtc-373	48	68	access	access	NOUN
ijtc-373	48	69	to	to	ADP
ijtc-373	48	70	banking	banking	NOUN
ijtc-373	48	71	and	and	CCONJ
ijtc-373	48	72	credit	credit	NOUN
ijtc-373	48	73	that	that	PRON
ijtc-373	48	74	has	have	AUX
ijtc-373	48	75	been	be	AUX
ijtc-373	48	76	received	receive	VERB
ijtc-373	48	77	result	result	NOUN
ijtc-373	48	78	and	and	CCONJ
ijtc-373	48	79	discussion	discussion	NOUN
ijtc-373	48	80	there	there	PRON
ijtc-373	48	81	were	be	VERB
ijtc-373	48	82	3	3	NUM
ijtc-373	48	83	(	(	PUNCT
ijtc-373	48	84	three	three	NUM
ijtc-373	48	85	)	)	PUNCT
ijtc-373	48	86	residents	resident	NOUN
ijtc-373	48	87	of	of	ADP
ijtc-373	48	88	the	the	DET
ijtc-373	48	89	pulau	pulau	PROPN
ijtc-373	48	90	seribu	seribu	NOUN
ijtc-373	48	91	from	from	ADP
ijtc-373	48	92	different	different	ADJ
ijtc-373	48	93	backgrounds	background	NOUN
ijtc-373	48	94	who	who	PRON
ijtc-373	48	95	underwent	undergo	VERB
ijtc-373	48	96	indepth	indepth	ADJ
ijtc-373	48	97	interviews	interview	NOUN
ijtc-373	48	98	with	with	ADP
ijtc-373	48	99	a	a	DET
ijtc-373	48	100	team	team	NOUN
ijtc-373	48	101	of	of	ADP
ijtc-373	48	102	lecturers	lecturer	NOUN
ijtc-373	48	103	whose	whose	DET
ijtc-373	48	104	questions	question	NOUN
ijtc-373	48	105	included	include	VERB
ijtc-373	48	106	financial	financial	ADJ
ijtc-373	48	107	literacy	literacy	NOUN
ijtc-373	48	108	,	,	PUNCT
ijtc-373	48	109	financial	financial	ADJ
ijtc-373	48	110	inclusion	inclusion	NOUN
ijtc-373	48	111	and	and	CCONJ
ijtc-373	48	112	business	business	NOUN
ijtc-373	48	113	and	and	CCONJ
ijtc-373	48	114	finance	finance	NOUN
ijtc-373	48	115	where	where	SCONJ
ijtc-373	48	116	the	the	DET
ijtc-373	48	117	informants	informant	NOUN
ijtc-373	48	118	consisted	consist	VERB
ijtc-373	48	119	of	of	ADP
ijtc-373	48	120	micro	micro	NOUN
ijtc-373	48	121	,	,	PUNCT
ijtc-373	48	122	small	small	ADJ
ijtc-373	48	123	and	and	CCONJ
ijtc-373	48	124	medium	medium	ADJ
ijtc-373	48	125	enterprises	enterprise	NOUN
ijtc-373	48	126	(	(	PUNCT
ijtc-373	48	127	msmes	msme	NOUN
ijtc-373	48	128	)	)	PUNCT
ijtc-373	48	129	,	,	PUNCT
ijtc-373	48	130	civil	civil	ADJ
ijtc-373	48	131	servants(civil	servants(civil	ADJ
ijtc-373	48	132	servants	servant	NOUN
ijtc-373	48	133	)	)	PUNCT
ijtc-373	48	134	,	,	PUNCT
ijtc-373	48	135	fishermen	fisherman	NOUN
ijtc-373	48	136	.	.	PUNCT
ijtc-373	49	1	the	the	DET
ijtc-373	49	2	main	main	ADJ
ijtc-373	49	3	questions	question	NOUN
ijtc-373	49	4	are	be	AUX
ijtc-373	49	5	divided	divide	VERB
ijtc-373	49	6	into	into	ADP
ijtc-373	49	7	3	3	NUM
ijtc-373	49	8	parts	part	NOUN
ijtc-373	49	9	,	,	PUNCT
ijtc-373	49	10	namely	namely	ADV
ijtc-373	49	11	(	(	PUNCT
ijtc-373	49	12	1	1	NUM
ijtc-373	49	13	)	)	PUNCT
ijtc-373	49	14	.	.	PUNCT
ijtc-373	50	1	financial	financial	ADJ
ijtc-373	50	2	literacy	literacy	NOUN
ijtc-373	50	3	(	(	PUNCT
ijtc-373	50	4	2	2	NUM
ijtc-373	50	5	)	)	PUNCT
ijtc-373	50	6	.	.	PUNCT
ijtc-373	51	1	access	access	NOUN
ijtc-373	51	2	to	to	ADP
ijtc-373	51	3	banking	banking	NOUN
ijtc-373	51	4	and	and	CCONJ
ijtc-373	51	5	credit	credit	NOUN
ijtc-373	51	6	(	(	PUNCT
ijtc-373	51	7	3	3	NUM
ijtc-373	51	8	)	)	PUNCT
ijtc-373	51	9	.	.	PUNCT
ijtc-373	52	1	business	business	NOUN
ijtc-373	52	2	and	and	CCONJ
ijtc-373	52	3	finance	finance	NOUN
ijtc-373	52	4	.	.	PUNCT
ijtc-373	53	1	following	follow	VERB
ijtc-373	53	2	are	be	AUX
ijtc-373	53	3	the	the	DET
ijtc-373	53	4	results	result	NOUN
ijtc-373	53	5	of	of	ADP
ijtc-373	53	6	written	write	VERB
ijtc-373	53	7	interviews	interview	NOUN
ijtc-373	53	8	with	with	ADP
ijtc-373	53	9	3	3	NUM
ijtc-373	53	10	(	(	PUNCT
ijtc-373	53	11	three	three	NUM
ijtc-373	53	12	)	)	PUNCT
ijtc-373	53	13	residents	resident	NOUN
ijtc-373	53	14	of	of	ADP
ijtc-373	53	15	the	the	DET
ijtc-373	53	16	pulau	pulau	PROPN
ijtc-373	53	17	seribu	seribu	NOUN
ijtc-373	53	18	with	with	ADP
ijtc-373	53	19	various	various	ADJ
ijtc-373	53	20	professions	profession	NOUN
ijtc-373	53	21	.	.	PUNCT
ijtc-373	54	1	no	no	INTJ
ijtc-373	54	2	.	.	PUNCT
ijtc-373	55	1	financial	financial	ADJ
ijtc-373	55	2	literacy	literacy	NOUN
ijtc-373	55	3	access	access	NOUN
ijtc-373	55	4	banking	banking	PROPN
ijtc-373	55	5	&	&	CCONJ
ijtc-373	55	6	credit	credit	NOUN
ijtc-373	55	7	business	business	NOUN
ijtc-373	55	8	and	and	CCONJ
ijtc-373	55	9	financial	financial	ADJ
ijtc-373	55	10	condition	condition	NOUN
ijtc-373	55	11	informant	informant	NOUN
ijtc-373	55	12	1	1	NUM
ijtc-373	55	13	,	,	PUNCT
ijtc-373	55	14	woman	woman	NOUN
ijtc-373	55	15	civil	civil	ADJ
ijtc-373	55	16	servant	servant	NOUN
ijtc-373	55	17	teacher	teacher	NOUN
ijtc-373	55	18	knowledge	knowledge	NOUN
ijtc-373	55	19	of	of	ADP
ijtc-373	55	20	banking	banking	NOUN
ijtc-373	55	21	functions	function	NOUN
ijtc-373	55	22	and	and	CCONJ
ijtc-373	55	23	benefits	benefit	NOUN
ijtc-373	55	24	is	be	AUX
ijtc-373	55	25	quite	quite	ADV
ijtc-373	55	26	good	good	ADJ
ijtc-373	55	27	.	.	PUNCT
ijtc-373	56	1	utilize	utilize	VERB
ijtc-373	56	2	brilink	brilink	NOUN
ijtc-373	56	3	for	for	ADP
ijtc-373	56	4	daily	daily	ADJ
ijtc-373	56	5	financial	financial	ADJ
ijtc-373	56	6	transactions	transaction	NOUN
ijtc-373	56	7	.	.	PUNCT
ijtc-373	57	1	feeling	feel	VERB
ijtc-373	57	2	unsatisfied	unsatisfied	ADJ
ijtc-373	57	3	with	with	ADP
ijtc-373	57	4	access	access	NOUN
ijtc-373	57	5	to	to	ADP
ijtc-373	57	6	banking	banking	NOUN
ijtc-373	57	7	in	in	ADP
ijtc-373	57	8	their	their	PRON
ijtc-373	57	9	area	area	NOUN
ijtc-373	57	10	because	because	SCONJ
ijtc-373	57	11	they	they	PRON
ijtc-373	57	12	are	be	AUX
ijtc-373	57	13	only	only	ADV
ijtc-373	57	14	served	serve	VERB
ijtc-373	57	15	by	by	ADP
ijtc-373	57	16	mobile	mobile	ADJ
ijtc-373	57	17	banks	bank	NOUN
ijtc-373	57	18	whose	whose	DET
ijtc-373	57	19	arrivals	arrival	NOUN
ijtc-373	57	20	are	be	AUX
ijtc-373	57	21	uncertain	uncertain	ADJ
ijtc-373	57	22	.	.	PUNCT
ijtc-373	58	1	informant	informant	NOUN
ijtc-373	58	2	1	1	NUM
ijtc-373	58	3	does	do	AUX
ijtc-373	58	4	not	not	PART
ijtc-373	58	5	have	have	VERB
ijtc-373	58	6	credit	credit	NOUN
ijtc-373	58	7	at	at	ADP
ijtc-373	58	8	a	a	DET
ijtc-373	58	9	bank	bank	NOUN
ijtc-373	58	10	and	and	CCONJ
ijtc-373	58	11	has	have	AUX
ijtc-373	58	12	never	never	ADV
ijtc-373	58	13	borrowed	borrow	VERB
ijtc-373	58	14	money	money	NOUN
ijtc-373	58	15	from	from	ADP
ijtc-373	58	16	a	a	DET
ijtc-373	58	17	bank	bank	NOUN
ijtc-373	58	18	.	.	PUNCT
ijtc-373	59	1	informant	informant	NOUN
ijtc-373	59	2	1	1	NUM
ijtc-373	59	3	does	do	AUX
ijtc-373	59	4	not	not	PART
ijtc-373	59	5	have	have	VERB
ijtc-373	59	6	a	a	DET
ijtc-373	59	7	business	business	NOUN
ijtc-373	59	8	and	and	CCONJ
ijtc-373	59	9	financial	financial	ADJ
ijtc-373	59	10	condition	condition	NOUN
ijtc-373	59	11	is	be	AUX
ijtc-373	59	12	quite	quite	ADV
ijtc-373	59	13	good	good	ADJ
ijtc-373	59	14	,	,	PUNCT
ijtc-373	59	15	income	income	NOUN
ijtc-373	59	16	comes	come	VERB
ijtc-373	59	17	from	from	ADP
ijtc-373	59	18	salary	salary	NOUN
ijtc-373	59	19	as	as	ADP
ijtc-373	59	20	a	a	DET
ijtc-373	59	21	teacher	teacher	NOUN
ijtc-373	59	22	informant	informant	NOUN
ijtc-373	59	23	2	2	NUM
ijtc-373	59	24	,	,	PUNCT
ijtc-373	59	25	man	man	NOUN
ijtc-373	59	26	fisherman	fisherman	NOUN
ijtc-373	59	27	knowledge	knowledge	NOUN
ijtc-373	59	28	of	of	ADP
ijtc-373	59	29	banking	banking	NOUN
ijtc-373	59	30	functions	function	NOUN
ijtc-373	59	31	and	and	CCONJ
ijtc-373	59	32	benefits	benefit	NOUN
ijtc-373	59	33	is	be	AUX
ijtc-373	59	34	good	good	ADJ
ijtc-373	59	35	.	.	PUNCT
ijtc-373	60	1	utilize	utilize	VERB
ijtc-373	60	2	bri	bri	NOUN
ijtc-373	60	3	-	-	PUNCT
ijtc-373	60	4	link	link	NOUN
ijtc-373	60	5	for	for	ADP
ijtc-373	60	6	daily	daily	ADJ
ijtc-373	60	7	financial	financial	ADJ
ijtc-373	60	8	transactions	transaction	NOUN
ijtc-373	60	9	.	.	PUNCT
ijtc-373	61	1	feeling	feel	VERB
ijtc-373	61	2	unsatisfied	unsatisfied	ADJ
ijtc-373	61	3	with	with	ADP
ijtc-373	61	4	the	the	DET
ijtc-373	61	5	condition	condition	NOUN
ijtc-373	61	6	of	of	ADP
ijtc-373	61	7	the	the	DET
ijtc-373	61	8	mobile	mobile	PROPN
ijtc-373	61	9	bank	bank	PROPN
ijtc-373	61	10	model	model	NOUN
ijtc-373	61	11	.	.	PUNCT
ijtc-373	62	1	according	accord	VERB
ijtc-373	62	2	to	to	ADP
ijtc-373	62	3	him	he	PRON
ijtc-373	62	4	,	,	PUNCT
ijtc-373	62	5	there	there	PRON
ijtc-373	62	6	should	should	AUX
ijtc-373	62	7	be	be	AUX
ijtc-373	62	8	a	a	DET
ijtc-373	62	9	bank	bank	NOUN
ijtc-373	62	10	at	at	ADP
ijtc-373	62	11	the	the	DET
ijtc-373	62	12	district	district	NOUN
ijtc-373	62	13	level	level	NOUN
ijtc-373	62	14	.	.	PUNCT
ijtc-373	63	1	informant	informant	NOUN
ijtc-373	63	2	2	2	NUM
ijtc-373	63	3	has	have	VERB
ijtc-373	63	4	no	no	DET
ijtc-373	63	5	credit	credit	NOUN
ijtc-373	63	6	and	and	CCONJ
ijtc-373	63	7	has	have	AUX
ijtc-373	63	8	never	never	ADV
ijtc-373	63	9	used	use	VERB
ijtc-373	63	10	credit	credit	NOUN
ijtc-373	63	11	from	from	ADP
ijtc-373	63	12	a	a	DET
ijtc-373	63	13	bank	bank	NOUN
ijtc-373	63	14	for	for	ADP
ijtc-373	63	15	his	his	PRON
ijtc-373	63	16	fishing	fishing	NOUN
ijtc-373	63	17	business	business	NOUN
ijtc-373	63	18	.	.	PUNCT
ijtc-373	64	1	have	have	AUX
ijtc-373	64	2	never	never	ADV
ijtc-373	64	3	received	receive	VERB
ijtc-373	64	4	a	a	DET
ijtc-373	64	5	people	people	NOUN
ijtc-373	64	6	's	's	PART
ijtc-373	64	7	business	business	NOUN
ijtc-373	64	8	credit	credit	NOUN
ijtc-373	64	9	and	and	CCONJ
ijtc-373	64	10	really	really	ADV
ijtc-373	64	11	need	need	VERB
ijtc-373	64	12	the	the	DET
ijtc-373	64	13	credit	credit	NOUN
ijtc-373	64	14	.	.	PUNCT
ijtc-373	65	1	for	for	ADP
ijtc-373	65	2	now	now	ADV
ijtc-373	65	3	,	,	PUNCT
ijtc-373	65	4	the	the	DET
ijtc-373	65	5	income	income	NOUN
ijtc-373	65	6	is	be	AUX
ijtc-373	65	7	only	only	ADV
ijtc-373	65	8	as	as	ADP
ijtc-373	65	9	a	a	DET
ijtc-373	65	10	fisherman	fisherman	NOUN
ijtc-373	65	11	.	.	PUNCT
ijtc-373	66	1	financial	financial	ADJ
ijtc-373	66	2	management	management	NOUN
ijtc-373	66	3	has	have	AUX
ijtc-373	66	4	separated	separate	VERB
ijtc-373	66	5	money	money	NOUN
ijtc-373	66	6	for	for	ADP
ijtc-373	66	7	family	family	NOUN
ijtc-373	66	8	needs	need	NOUN
ijtc-373	66	9	and	and	CCONJ
ijtc-373	66	10	business	business	NOUN
ijtc-373	66	11	interests	interest	NOUN
ijtc-373	66	12	as	as	ADP
ijtc-373	66	13	fishermen	fisherman	NOUN
ijtc-373	66	14	.	.	PUNCT
ijtc-373	67	1	do	do	AUX
ijtc-373	67	2	n't	not	PART
ijtc-373	67	3	have	have	VERB
ijtc-373	67	4	books	book	NOUN
ijtc-373	67	5	yet	yet	ADV
ijtc-373	67	6	because	because	SCONJ
ijtc-373	67	7	you	you	PRON
ijtc-373	67	8	do	do	AUX
ijtc-373	67	9	n't	not	PART
ijtc-373	67	10	know	know	VERB
ijtc-373	67	11	how	how	SCONJ
ijtc-373	67	12	to	to	PART
ijtc-373	67	13	get	get	AUX
ijtc-373	67	14	started	start	VERB
ijtc-373	67	15	.	.	PUNCT
ijtc-373	68	1	turnover	turnover	NOUN
ijtc-373	68	2	idr	idr	PROPN
ijtc-373	68	3	1	1	NUM
ijtc-373	68	4	millionidr	millionidr	ADJ
ijtc-373	68	5	6	6	NUM
ijtc-373	68	6	million	million	NUM
ijtc-373	68	7	informant	informant	NOUN
ijtc-373	68	8	3	3	NUM
ijtc-373	68	9	,	,	PUNCT
ijtc-373	68	10	male	male	ADJ
ijtc-373	68	11	fisherman	fisherman	NOUN
ijtc-373	68	12	and	and	CCONJ
ijtc-373	68	13	collector	collector	NOUN
ijtc-373	68	14	of	of	ADP
ijtc-373	68	15	used	use	VERB
ijtc-373	68	16	goods	good	NOUN
ijtc-373	68	17	knowledge	knowledge	NOUN
ijtc-373	68	18	of	of	ADP
ijtc-373	68	19	banking	banking	NOUN
ijtc-373	68	20	functions	function	NOUN
ijtc-373	68	21	and	and	CCONJ
ijtc-373	68	22	benefits	benefit	NOUN
ijtc-373	68	23	is	be	AUX
ijtc-373	68	24	good	good	ADJ
ijtc-373	68	25	.	.	PUNCT
ijtc-373	69	1	utilize	utilize	VERB
ijtc-373	69	2	bri	bri	NOUN
ijtc-373	69	3	-	-	PUNCT
ijtc-373	69	4	link	link	NOUN
ijtc-373	69	5	for	for	ADP
ijtc-373	69	6	daily	daily	ADJ
ijtc-373	69	7	financial	financial	ADJ
ijtc-373	69	8	transactions	transaction	NOUN
ijtc-373	69	9	.	.	PUNCT
ijtc-373	70	1	feeling	feel	VERB
ijtc-373	70	2	enough	enough	ADJ
ijtc-373	70	3	with	with	ADP
ijtc-373	70	4	the	the	DET
ijtc-373	70	5	mobile	mobile	PROPN
ijtc-373	70	6	bank	bank	PROPN
ijtc-373	70	7	model	model	NOUN
ijtc-373	70	8	.	.	PUNCT
ijtc-373	71	1	as	as	ADP
ijtc-373	71	2	a	a	DET
ijtc-373	71	3	fisherman	fisherman	NOUN
ijtc-373	71	4	and	and	CCONJ
ijtc-373	71	5	collector	collector	NOUN
ijtc-373	71	6	of	of	ADP
ijtc-373	71	7	used	use	VERB
ijtc-373	71	8	goods	good	NOUN
ijtc-373	71	9	,	,	PUNCT
ijtc-373	71	10	he	he	PRON
ijtc-373	71	11	uses	use	VERB
ijtc-373	71	12	savings	saving	NOUN
ijtc-373	71	13	as	as	ADP
ijtc-373	71	14	business	business	NOUN
ijtc-373	71	15	capital	capital	NOUN
ijtc-373	71	16	.	.	PUNCT
ijtc-373	72	1	has	have	VERB
ijtc-373	72	2	no	no	DET
ijtc-373	72	3	credit	credit	NOUN
ijtc-373	72	4	and	and	CCONJ
ijtc-373	72	5	urgently	urgently	ADV
ijtc-373	72	6	needs	need	VERB
ijtc-373	72	7	people	people	NOUN
ijtc-373	72	8	's	's	PART
ijtc-373	72	9	business	business	NOUN
ijtc-373	72	10	credit	credit	NOUN
ijtc-373	72	11	.	.	PUNCT
ijtc-373	73	1	income	income	NOUN
ijtc-373	73	2	comes	come	VERB
ijtc-373	73	3	from	from	ADP
ijtc-373	73	4	fishermen	fisherman	NOUN
ijtc-373	73	5	and	and	CCONJ
ijtc-373	73	6	collectors	collector	NOUN
ijtc-373	73	7	.	.	PUNCT
ijtc-373	74	1	the	the	DET
ijtc-373	74	2	monthly	monthly	ADJ
ijtc-373	74	3	income	income	NOUN
ijtc-373	74	4	is	be	AUX
ijtc-373	74	5	more	more	ADJ
ijtc-373	74	6	than	than	SCONJ
ijtc-373	74	7	idr	idr	VERB
ijtc-373	74	8	6	6	NUM
ijtc-373	74	9	million	million	NUM
ijtc-373	74	10	per	per	ADP
ijtc-373	74	11	month	month	NOUN
ijtc-373	74	12	.	.	PUNCT
ijtc-373	75	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-373	75	2	financial	financial	ADJ
ijtc-373	75	3	literacy	literacy	NOUN
ijtc-373	75	4	and	and	CCONJ
ijtc-373	75	5	inclusion	inclusion	NOUN
ijtc-373	75	6	analysis	analysis	NOUN
ijtc-373	75	7	of	of	ADP
ijtc-373	75	8	the	the	DET
ijtc-373	75	9	community	community	NOUN
ijtc-373	75	10	of	of	ADP
ijtc-373	75	11	pulau	pulau	PROPN
ijtc-373	75	12	seribu	seribu	NOUN
ijtc-373	75	13	(	(	PUNCT
ijtc-373	75	14	a	a	DET
ijtc-373	75	15	case	case	NOUN
ijtc-373	75	16	study	study	NOUN
ijtc-373	75	17	on	on	ADP
ijtc-373	75	18	the	the	DET
ijtc-373	75	19	limitations	limitation	NOUN
ijtc-373	75	20	of	of	ADP
ijtc-373	75	21	banking	bank	VERB
ijtc-373	75	22	financial	financial	ADJ
ijtc-373	75	23	services	service	NOUN
ijtc-373	75	24	in	in	ADP
ijtc-373	75	25	the	the	DET
ijtc-373	75	26	pulau	pulau	PROPN
ijtc-373	75	27	seribu	seribu	NOUN
ijtc-373	75	28	)	)	PUNCT
ijtc-373	75	29	prasetiyani	prasetiyani	NOUN
ijtc-373	75	30	,	,	PUNCT
ijtc-373	75	31	sumidartini	sumidartini	PROPN
ijtc-373	75	32	,	,	PUNCT
ijtc-373	75	33	barlian	barlian	NOUN
ijtc-373	75	34	259	259	NUM
ijtc-373	75	35	|	|	CCONJ
ijtc-373	75	36	ilomata	ilomata	PROPN
ijtc-373	75	37	international	international	ADJ
ijtc-373	75	38	journal	journal	NOUN
ijtc-373	75	39	of	of	ADP
ijtc-373	75	40	tax	tax	PROPN
ijtc-373	75	41	&	&	CCONJ
ijtc-373	75	42	accounting	accounting	PROPN
ijtc-373	75	43	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-373	75	44	swot	swot	PROPN
ijtc-373	75	45	analysis	analysis	NOUN
ijtc-373	75	46	of	of	ADP
ijtc-373	75	47	financial	financial	ADJ
ijtc-373	75	48	literacy	literacy	NOUN
ijtc-373	75	49	and	and	CCONJ
ijtc-373	75	50	inclusion	inclusion	NOUN
ijtc-373	75	51	in	in	ADP
ijtc-373	75	52	the	the	DET
ijtc-373	75	53	thousand	thousand	NUM
ijtc-373	75	54	islands	island	NOUN
ijtc-373	75	55	strength	strength	NOUN
ijtc-373	75	56	–	–	PUNCT
ijtc-373	75	57	s	s	NOUN
ijtc-373	75	58	(	(	PUNCT
ijtc-373	75	59	strength	strength	NOUN
ijtc-373	75	60	)	)	PUNCT
ijtc-373	75	61	pulau	pulau	PROPN
ijtc-373	75	62	seribu	seribu	NOUN
ijtc-373	75	63	is	be	AUX
ijtc-373	75	64	a	a	DET
ijtc-373	75	65	tourist	tourist	NOUN
ijtc-373	75	66	destination	destination	NOUN
ijtc-373	75	67	for	for	ADP
ijtc-373	75	68	residents	resident	NOUN
ijtc-373	75	69	of	of	ADP
ijtc-373	75	70	jakarta	jakarta	PROPN
ijtc-373	75	71	and	and	CCONJ
ijtc-373	75	72	its	its	PRON
ijtc-373	75	73	surroundings	surrounding	NOUN
ijtc-373	75	74	area	area	NOUN
ijtc-373	75	75	close	close	ADJ
ijtc-373	75	76	to	to	ADP
ijtc-373	75	77	the	the	DET
ijtc-373	75	78	capital	capital	NOUN
ijtc-373	75	79	city	city	NOUN
ijtc-373	75	80	of	of	ADP
ijtc-373	75	81	dki	dki	PROPN
ijtc-373	75	82	jakarta	jakarta	PROPN
ijtc-373	75	83	,	,	PUNCT
ijtc-373	75	84	the	the	DET
ijtc-373	75	85	most	most	ADV
ijtc-373	75	86	developed	developed	ADJ
ijtc-373	75	87	city	city	NOUN
ijtc-373	75	88	in	in	ADP
ijtc-373	75	89	indonesia\	indonesia\	PROPN
ijtc-373	75	90	the	the	DET
ijtc-373	75	91	population	population	NOUN
ijtc-373	75	92	is	be	AUX
ijtc-373	75	93	multi	multi	ADJ
ijtc-373	75	94	-	-	ADJ
ijtc-373	75	95	ethnic	ethnic	ADJ
ijtc-373	75	96	the	the	DET
ijtc-373	75	97	community	community	NOUN
ijtc-373	75	98	56.79	56.79	NUM
ijtc-373	75	99	%	%	NOUN
ijtc-373	75	100	are	be	AUX
ijtc-373	75	101	fishermen	fisherman	NOUN
ijtc-373	75	102	the	the	DET
ijtc-373	75	103	home	home	NOUN
ijtc-373	75	104	industry	industry	NOUN
ijtc-373	75	105	for	for	ADP
ijtc-373	75	106	breadfruit	breadfruit	NOUN
ijtc-373	75	107	chips	chip	NOUN
ijtc-373	75	108	has	have	AUX
ijtc-373	75	109	become	become	VERB
ijtc-373	75	110	an	an	DET
ijtc-373	75	111	icon	icon	NOUN
ijtc-373	75	112	for	for	ADP
ijtc-373	75	113	pulau	pulau	PROPN
ijtc-373	75	114	seribu	seribu	NOUN
ijtc-373	75	115	souvenirs	souvenir	NOUN
ijtc-373	75	116	.	.	PUNCT
ijtc-373	76	1	financial	financial	ADJ
ijtc-373	76	2	literacy	literacy	NOUN
ijtc-373	76	3	is	be	AUX
ijtc-373	76	4	quite	quite	ADV
ijtc-373	76	5	good	good	ADJ
ijtc-373	76	6	weaknesses	weakness	NOUN
ijtc-373	76	7	–	–	PUNCT
ijtc-373	76	8	w	w	NOUN
ijtc-373	76	9	(	(	PUNCT
ijtc-373	76	10	weaknesses	weakness	NOUN
ijtc-373	76	11	)	)	PUNCT
ijtc-373	76	12	pulau	pulau	PROPN
ijtc-373	76	13	seribu	seribu	NOUN
ijtc-373	76	14	has	have	VERB
ijtc-373	76	15	many	many	ADJ
ijtc-373	76	16	islands	island	NOUN
ijtc-373	76	17	,	,	PUNCT
ijtc-373	76	18	each	each	PRON
ijtc-373	76	19	of	of	ADP
ijtc-373	76	20	which	which	PRON
ijtc-373	76	21	is	be	AUX
ijtc-373	76	22	inhabited	inhabit	VERB
ijtc-373	76	23	breadfruit	breadfruit	NOUN
ijtc-373	76	24	chips	chip	NOUN
ijtc-373	76	25	home	home	NOUN
ijtc-373	76	26	industry	industry	NOUN
ijtc-373	76	27	is	be	AUX
ijtc-373	76	28	still	still	ADV
ijtc-373	76	29	managed	manage	VERB
ijtc-373	76	30	conventionally	conventionally	ADV
ijtc-373	76	31	the	the	DET
ijtc-373	76	32	average	average	ADJ
ijtc-373	76	33	education	education	NOUN
ijtc-373	76	34	is	be	AUX
ijtc-373	76	35	only	only	ADV
ijtc-373	76	36	up	up	ADP
ijtc-373	76	37	to	to	ADP
ijtc-373	76	38	high	high	ADJ
ijtc-373	76	39	school	school	NOUN
ijtc-373	76	40	limited	limited	ADJ
ijtc-373	76	41	access	access	NOUN
ijtc-373	76	42	to	to	ADP
ijtc-373	76	43	banking	banking	NOUN
ijtc-373	76	44	and	and	CCONJ
ijtc-373	76	45	access	access	NOUN
ijtc-373	76	46	to	to	ADP
ijtc-373	76	47	credit/	credit/	NUM
ijtc-373	76	48	no	no	DET
ijtc-373	76	49	financial	financial	ADJ
ijtc-373	76	50	inclusion	inclusion	NOUN
ijtc-373	76	51	development	development	NOUN
ijtc-373	76	52	gap	gap	NOUN
ijtc-373	76	53	with	with	ADP
ijtc-373	76	54	mainland	mainland	NOUN
ijtc-373	76	55	jakarta	jakarta	PROPN
ijtc-373	76	56	opportunity	opportunity	NOUN
ijtc-373	76	57	–	–	PUNCT
ijtc-373	76	58	o	o	NOUN
ijtc-373	76	59	(	(	PUNCT
ijtc-373	76	60	opportunity	opportunity	NOUN
ijtc-373	76	61	)	)	PUNCT
ijtc-373	76	62	community	community	NOUN
ijtc-373	76	63	empowerment	empowerment	NOUN
ijtc-373	76	64	is	be	AUX
ijtc-373	76	65	widely	widely	ADV
ijtc-373	76	66	open	open	ADJ
ijtc-373	76	67	to	to	PART
ijtc-373	76	68	be	be	AUX
ijtc-373	76	69	more	more	ADV
ijtc-373	76	70	advanced	advanced	ADJ
ijtc-373	76	71	skillfully	skillfully	ADV
ijtc-373	76	72	and	and	CCONJ
ijtc-373	76	73	economically	economically	ADV
ijtc-373	76	74	the	the	DET
ijtc-373	76	75	marine	marine	ADJ
ijtc-373	76	76	tourism	tourism	NOUN
ijtc-373	76	77	sector	sector	NOUN
ijtc-373	76	78	can	can	AUX
ijtc-373	76	79	be	be	AUX
ijtc-373	76	80	developed	develop	VERB
ijtc-373	76	81	more	more	ADV
ijtc-373	76	82	optimally	optimally	ADV
ijtc-373	76	83	wide	wide	ADJ
ijtc-373	76	84	open	open	ADJ
ijtc-373	76	85	banking	banking	NOUN
ijtc-373	76	86	opportunities	opportunity	NOUN
ijtc-373	76	87	for	for	ADP
ijtc-373	76	88	expansion	expansion	NOUN
ijtc-373	76	89	in	in	ADP
ijtc-373	76	90	order	order	NOUN
ijtc-373	76	91	to	to	PART
ijtc-373	76	92	create	create	VERB
ijtc-373	76	93	an	an	DET
ijtc-373	76	94	equitable	equitable	ADJ
ijtc-373	76	95	development	development	NOUN
ijtc-373	76	96	economy	economy	NOUN
ijtc-373	76	97	on	on	ADP
ijtc-373	76	98	this	this	DET
ijtc-373	76	99	island	island	NOUN
ijtc-373	76	100	so	so	ADV
ijtc-373	76	101	strategy	strategy	NOUN
ijtc-373	76	102	as	as	ADP
ijtc-373	76	103	a	a	DET
ijtc-373	76	104	part	part	NOUN
ijtc-373	76	105	of	of	ADP
ijtc-373	76	106	jakarta	jakarta	PROPN
ijtc-373	76	107	,	,	PUNCT
ijtc-373	76	108	the	the	DET
ijtc-373	76	109	pulau	pulau	PROPN
ijtc-373	76	110	seribu	seribu	NOUN
ijtc-373	76	111	should	should	AUX
ijtc-373	76	112	have	have	VERB
ijtc-373	76	113	broad	broad	ADJ
ijtc-373	76	114	opportunities	opportunity	NOUN
ijtc-373	76	115	to	to	PART
ijtc-373	76	116	be	be	AUX
ijtc-373	76	117	equal	equal	ADJ
ijtc-373	76	118	economically	economically	ADV
ijtc-373	76	119	,	,	PUNCT
ijtc-373	76	120	socially	socially	ADV
ijtc-373	76	121	and	and	CCONJ
ijtc-373	76	122	educationally	educationally	ADV
ijtc-373	76	123	so	so	SCONJ
ijtc-373	76	124	that	that	SCONJ
ijtc-373	76	125	the	the	DET
ijtc-373	76	126	people	people	NOUN
ijtc-373	76	127	there	there	ADV
ijtc-373	76	128	can	can	AUX
ijtc-373	76	129	develop	develop	VERB
ijtc-373	76	130	optimally	optimally	ADV
ijtc-373	76	131	which	which	PRON
ijtc-373	76	132	in	in	ADP
ijtc-373	76	133	turn	turn	NOUN
ijtc-373	76	134	can	can	AUX
ijtc-373	76	135	create	create	VERB
ijtc-373	76	136	jobs	job	NOUN
ijtc-373	76	137	and	and	CCONJ
ijtc-373	76	138	increase	increase	VERB
ijtc-373	76	139	the	the	DET
ijtc-373	76	140	income	income	NOUN
ijtc-373	76	141	of	of	ADP
ijtc-373	76	142	local	local	ADJ
ijtc-373	76	143	residents	resident	NOUN
ijtc-373	76	144	with	with	ADP
ijtc-373	76	145	all	all	DET
ijtc-373	76	146	the	the	DET
ijtc-373	76	147	strengths	strength	NOUN
ijtc-373	76	148	and	and	CCONJ
ijtc-373	76	149	opportunities	opportunity	NOUN
ijtc-373	76	150	that	that	PRON
ijtc-373	76	151	exist	exist	VERB
ijtc-373	76	152	.	.	PUNCT
ijtc-373	77	1	wo	will	AUX
ijtc-373	77	2	strategy	strategy	VERB
ijtc-373	77	3	the	the	DET
ijtc-373	77	4	existence	existence	NOUN
ijtc-373	77	5	of	of	ADP
ijtc-373	77	6	a	a	DET
ijtc-373	77	7	home	home	NOUN
ijtc-373	77	8	industry	industry	NOUN
ijtc-373	77	9	that	that	PRON
ijtc-373	77	10	is	be	AUX
ijtc-373	77	11	still	still	ADV
ijtc-373	77	12	managed	manage	VERB
ijtc-373	77	13	conventionally	conventionally	ADV
ijtc-373	77	14	and	and	CCONJ
ijtc-373	77	15	has	have	AUX
ijtc-373	77	16	not	not	PART
ijtc-373	77	17	been	be	AUX
ijtc-373	77	18	touched	touch	VERB
ijtc-373	77	19	by	by	ADP
ijtc-373	77	20	technology	technology	NOUN
ijtc-373	77	21	will	will	AUX
ijtc-373	77	22	open	open	VERB
ijtc-373	77	23	up	up	ADP
ijtc-373	77	24	opportunities	opportunity	NOUN
ijtc-373	77	25	for	for	ADP
ijtc-373	77	26	the	the	DET
ijtc-373	77	27	transfer	transfer	NOUN
ijtc-373	77	28	of	of	ADP
ijtc-373	77	29	food	food	NOUN
ijtc-373	77	30	technology	technology	NOUN
ijtc-373	77	31	which	which	PRON
ijtc-373	77	32	will	will	AUX
ijtc-373	77	33	create	create	VERB
ijtc-373	77	34	a	a	DET
ijtc-373	77	35	variety	variety	NOUN
ijtc-373	77	36	of	of	ADP
ijtc-373	77	37	other	other	ADJ
ijtc-373	77	38	pulau	pulau	PROPN
ijtc-373	77	39	seribu	seribu	NOUN
ijtc-373	77	40	culinary	culinary	NOUN
ijtc-373	77	41	delights	delight	NOUN
ijtc-373	77	42	such	such	ADJ
ijtc-373	77	43	as	as	ADP
ijtc-373	77	44	culinary	culinary	NOUN
ijtc-373	77	45	from	from	ADP
ijtc-373	77	46	marine	marine	ADJ
ijtc-373	77	47	biota	biota	NOUN
ijtc-373	77	48	or	or	CCONJ
ijtc-373	77	49	souvenir	souvenir	NOUN
ijtc-373	77	50	products	product	NOUN
ijtc-373	77	51	.	.	PUNCT
ijtc-373	78	1	for	for	ADP
ijtc-373	78	2	banking	banking	NOUN
ijtc-373	78	3	,	,	PUNCT
ijtc-373	78	4	there	there	PRON
ijtc-373	78	5	must	must	AUX
ijtc-373	78	6	be	be	AUX
ijtc-373	78	7	new	new	ADJ
ijtc-373	78	8	innovations	innovation	NOUN
ijtc-373	78	9	to	to	PART
ijtc-373	78	10	manage	manage	VERB
ijtc-373	78	11	this	this	DET
ijtc-373	78	12	area	area	NOUN
ijtc-373	78	13	because	because	SCONJ
ijtc-373	78	14	there	there	PRON
ijtc-373	78	15	are	be	VERB
ijtc-373	78	16	residents	resident	NOUN
ijtc-373	78	17	who	who	PRON
ijtc-373	78	18	live	live	VERB
ijtc-373	78	19	in	in	ADP
ijtc-373	78	20	small	small	ADJ
ijtc-373	78	21	islands	island	NOUN
ijtc-373	78	22	while	while	SCONJ
ijtc-373	78	23	currently	currently	ADV
ijtc-373	78	24	banking	banking	NOUN
ijtc-373	78	25	is	be	AUX
ijtc-373	78	26	still	still	ADV
ijtc-373	78	27	served	serve	VERB
ijtc-373	78	28	by	by	ADP
ijtc-373	78	29	mobile	mobile	ADJ
ijtc-373	78	30	banks	bank	NOUN
ijtc-373	78	31	.	.	PUNCT
ijtc-373	79	1	the	the	DET
ijtc-373	79	2	opening	opening	NOUN
ijtc-373	79	3	of	of	ADP
ijtc-373	79	4	bank	bank	NOUN
ijtc-373	79	5	branch	branch	NOUN
ijtc-373	79	6	offices	office	NOUN
ijtc-373	79	7	,	,	PUNCT
ijtc-373	79	8	both	both	PRON
ijtc-373	79	9	stateowned	stateowne	VERB
ijtc-373	79	10	and	and	CCONJ
ijtc-373	79	11	private	private	ADJ
ijtc-373	79	12	banks	bank	NOUN
ijtc-373	79	13	,	,	PUNCT
ijtc-373	79	14	needs	need	VERB
ijtc-373	79	15	to	to	PART
ijtc-373	79	16	be	be	AUX
ijtc-373	79	17	studied	study	VERB
ijtc-373	79	18	by	by	ADP
ijtc-373	79	19	mobilizing	mobilize	VERB
ijtc-373	79	20	funds	fund	NOUN
ijtc-373	79	21	to	to	PART
ijtc-373	79	22	transport	transport	VERB
ijtc-373	79	23	using	use	VERB
ijtc-373	79	24	special	special	ADJ
ijtc-373	79	25	transportation	transportation	NOUN
ijtc-373	79	26	threats	threat	NOUN
ijtc-373	79	27	–	–	PUNCT
ijtc-373	79	28	t	t	NOUN
ijtc-373	79	29	(	(	PUNCT
ijtc-373	79	30	threats	threat	NOUN
ijtc-373	79	31	)	)	PUNCT
ijtc-373	79	32	economic	economic	ADJ
ijtc-373	79	33	access	access	NOUN
ijtc-373	79	34	in	in	ADP
ijtc-373	79	35	terms	term	NOUN
ijtc-373	79	36	of	of	ADP
ijtc-373	79	37	banking	banking	NOUN
ijtc-373	79	38	and	and	CCONJ
ijtc-373	79	39	credit	credit	NOUN
ijtc-373	79	40	which	which	PRON
ijtc-373	79	41	is	be	AUX
ijtc-373	79	42	very	very	ADV
ijtc-373	79	43	limited	limited	ADJ
ijtc-373	79	44	will	will	AUX
ijtc-373	79	45	result	result	VERB
ijtc-373	79	46	in	in	ADP
ijtc-373	79	47	slow	slow	ADJ
ijtc-373	79	48	progress	progress	NOUN
ijtc-373	79	49	both	both	CCONJ
ijtc-373	79	50	in	in	ADP
ijtc-373	79	51	terms	term	NOUN
ijtc-373	79	52	of	of	ADP
ijtc-373	79	53	human	human	ADJ
ijtc-373	79	54	resources	resource	NOUN
ijtc-373	79	55	and	and	CCONJ
ijtc-373	79	56	local	local	ADJ
ijtc-373	79	57	revenue	revenue	NOUN
ijtc-373	79	58	-	-	PUNCT
ijtc-373	79	59	sustainable	sustainable	ADJ
ijtc-373	79	60	tourism	tourism	NOUN
ijtc-373	79	61	will	will	AUX
ijtc-373	79	62	be	be	AUX
ijtc-373	79	63	very	very	ADV
ijtc-373	79	64	difficult	difficult	ADJ
ijtc-373	79	65	to	to	PART
ijtc-373	79	66	realize	realize	VERB
ijtc-373	79	67	because	because	SCONJ
ijtc-373	79	68	it	it	PRON
ijtc-373	79	69	faces	face	VERB
ijtc-373	79	70	quite	quite	ADV
ijtc-373	79	71	heavy	heavy	ADJ
ijtc-373	79	72	competition	competition	NOUN
ijtc-373	79	73	where	where	SCONJ
ijtc-373	79	74	development	development	NOUN
ijtc-373	79	75	on	on	ADP
ijtc-373	79	76	land	land	NOUN
ijtc-373	79	77	is	be	AUX
ijtc-373	79	78	currently	currently	ADV
ijtc-373	79	79	faster	fast	ADJ
ijtc-373	79	80	,	,	PUNCT
ijtc-373	79	81	making	make	VERB
ijtc-373	79	82	it	it	PRON
ijtc-373	79	83	easier	easy	ADJ
ijtc-373	79	84	to	to	PART
ijtc-373	79	85	reach	reach	VERB
ijtc-373	79	86	the	the	DET
ijtc-373	79	87	destination	destination	NOUN
ijtc-373	79	88	faster	fast	ADV
ijtc-373	79	89	and	and	CCONJ
ijtc-373	79	90	affordable	affordable	ADJ
ijtc-373	79	91	,	,	PUNCT
ijtc-373	79	92	for	for	ADP
ijtc-373	79	93	example	example	NOUN
ijtc-373	79	94	,	,	PUNCT
ijtc-373	79	95	the	the	DET
ijtc-373	79	96	jakarta	jakarta	PROPN
ijtc-373	79	97	-	-	PUNCT
ijtc-373	79	98	surabaya	surabaya	PROPN
ijtc-373	79	99	toll	toll	NOUN
ijtc-373	79	100	road	road	NOUN
ijtc-373	79	101	is	be	AUX
ijtc-373	79	102	only	only	ADV
ijtc-373	79	103	taken	take	VERB
ijtc-373	79	104	9	9	NUM
ijtc-373	79	105	hours	hour	NOUN
ijtc-373	79	106	if	if	SCONJ
ijtc-373	79	107	this	this	PRON
ijtc-373	79	108	is	be	AUX
ijtc-373	79	109	not	not	PART
ijtc-373	79	110	handled	handle	VERB
ijtc-373	79	111	quickly	quickly	ADV
ijtc-373	79	112	,	,	PUNCT
ijtc-373	79	113	there	there	PRON
ijtc-373	79	114	will	will	AUX
ijtc-373	79	115	be	be	AUX
ijtc-373	79	116	an	an	DET
ijtc-373	79	117	opportunity	opportunity	NOUN
ijtc-373	79	118	for	for	ADP
ijtc-373	79	119	an	an	DET
ijtc-373	79	120	increase	increase	NOUN
ijtc-373	79	121	in	in	ADP
ijtc-373	79	122	the	the	DET
ijtc-373	79	123	number	number	NOUN
ijtc-373	79	124	of	of	ADP
ijtc-373	79	125	poor	poor	ADJ
ijtc-373	79	126	people	people	NOUN
ijtc-373	79	127	in	in	ADP
ijtc-373	79	128	dki	dki	PROPN
ijtc-373	79	129	jakarta	jakarta	PROPN
ijtc-373	79	130	province	province	PROPN
ijtc-373	79	131	st	st	PROPN
ijtc-373	79	132	strategy	strategy	PROPN
ijtc-373	79	133	if	if	SCONJ
ijtc-373	79	134	the	the	DET
ijtc-373	79	135	economic	economic	ADJ
ijtc-373	79	136	development	development	NOUN
ijtc-373	79	137	strategy	strategy	NOUN
ijtc-373	79	138	is	be	AUX
ijtc-373	79	139	not	not	PART
ijtc-373	79	140	quickly	quickly	ADV
ijtc-373	79	141	updated	update	VERB
ijtc-373	79	142	,	,	PUNCT
ijtc-373	79	143	the	the	DET
ijtc-373	79	144	economy	economy	NOUN
ijtc-373	79	145	in	in	ADP
ijtc-373	79	146	this	this	DET
ijtc-373	79	147	region	region	NOUN
ijtc-373	79	148	will	will	AUX
ijtc-373	79	149	gradually	gradually	ADV
ijtc-373	79	150	experience	experience	VERB
ijtc-373	79	151	a	a	DET
ijtc-373	79	152	slowdown	slowdown	NOUN
ijtc-373	79	153	and	and	CCONJ
ijtc-373	79	154	have	have	VERB
ijtc-373	79	155	the	the	DET
ijtc-373	79	156	potential	potential	NOUN
ijtc-373	79	157	to	to	PART
ijtc-373	79	158	create	create	VERB
ijtc-373	79	159	a	a	DET
ijtc-373	79	160	poor	poor	ADJ
ijtc-373	79	161	community	community	NOUN
ijtc-373	79	162	.	.	PUNCT
ijtc-373	80	1	to	to	PART
ijtc-373	80	2	anticipate	anticipate	VERB
ijtc-373	80	3	this	this	PRON
ijtc-373	80	4	,	,	PUNCT
ijtc-373	80	5	a	a	DET
ijtc-373	80	6	movement	movement	NOUN
ijtc-373	80	7	of	of	ADP
ijtc-373	80	8	the	the	DET
ijtc-373	80	9	banking	banking	NOUN
ijtc-373	80	10	literacy	literacy	NOUN
ijtc-373	80	11	community	community	NOUN
ijtc-373	80	12	is	be	AUX
ijtc-373	80	13	needed	need	VERB
ijtc-373	80	14	so	so	SCONJ
ijtc-373	80	15	that	that	SCONJ
ijtc-373	80	16	they	they	PRON
ijtc-373	80	17	become	become	VERB
ijtc-373	80	18	a	a	DET
ijtc-373	80	19	bankable	bankable	ADJ
ijtc-373	80	20	society	society	NOUN
ijtc-373	80	21	.	.	PUNCT
ijtc-373	81	1	the	the	DET
ijtc-373	81	2	financial	financial	ADJ
ijtc-373	81	3	literacy	literacy	NOUN
ijtc-373	81	4	of	of	ADP
ijtc-373	81	5	the	the	DET
ijtc-373	81	6	people	people	NOUN
ijtc-373	81	7	in	in	ADP
ijtc-373	81	8	this	this	DET
ijtc-373	81	9	area	area	NOUN
ijtc-373	81	10	is	be	AUX
ijtc-373	81	11	quite	quite	ADV
ijtc-373	81	12	good	good	ADJ
ijtc-373	81	13	but	but	CCONJ
ijtc-373	81	14	the	the	DET
ijtc-373	81	15	same	same	ADJ
ijtc-373	81	16	opportunities	opportunity	NOUN
ijtc-373	81	17	as	as	SCONJ
ijtc-373	81	18	dki	dki	PROPN
ijtc-373	81	19	jakarta	jakarta	PROPN
ijtc-373	81	20	are	be	AUX
ijtc-373	81	21	not	not	PART
ijtc-373	81	22	widely	widely	ADV
ijtc-373	81	23	given	give	VERB
ijtc-373	81	24	by	by	ADP
ijtc-373	81	25	policy	policy	NOUN
ijtc-373	81	26	makers	maker	NOUN
ijtc-373	81	27	.	.	PUNCT
ijtc-373	82	1	wt	wt	NOUN
ijtc-373	82	2	strategy	strategy	NOUN
ijtc-373	82	3	with	with	ADP
ijtc-373	82	4	the	the	DET
ijtc-373	82	5	demoraphics	demoraphic	NOUN
ijtc-373	82	6	of	of	ADP
ijtc-373	82	7	education	education	NOUN
ijtc-373	82	8	up	up	ADP
ijtc-373	82	9	to	to	ADP
ijtc-373	82	10	university	university	NOUN
ijtc-373	82	11	level	level	NOUN
ijtc-373	82	12	which	which	PRON
ijtc-373	82	13	is	be	AUX
ijtc-373	82	14	still	still	ADV
ijtc-373	82	15	low	low	ADJ
ijtc-373	82	16	and	and	CCONJ
ijtc-373	82	17	the	the	DET
ijtc-373	82	18	absence	absence	NOUN
ijtc-373	82	19	of	of	ADP
ijtc-373	82	20	access	access	NOUN
ijtc-373	82	21	to	to	ADP
ijtc-373	82	22	banking	banking	NOUN
ijtc-373	82	23	,	,	PUNCT
ijtc-373	82	24	it	it	PRON
ijtc-373	82	25	shows	show	VERB
ijtc-373	82	26	that	that	SCONJ
ijtc-373	82	27	the	the	DET
ijtc-373	82	28	level	level	NOUN
ijtc-373	82	29	of	of	ADP
ijtc-373	82	30	welfare	welfare	NOUN
ijtc-373	82	31	of	of	ADP
ijtc-373	82	32	the	the	DET
ijtc-373	82	33	population	population	NOUN
ijtc-373	82	34	in	in	ADP
ijtc-373	82	35	this	this	DET
ijtc-373	82	36	area	area	NOUN
ijtc-373	82	37	is	be	AUX
ijtc-373	82	38	still	still	ADV
ijtc-373	82	39	low	low	ADJ
ijtc-373	82	40	.	.	PUNCT
ijtc-373	83	1	the	the	DET
ijtc-373	83	2	role	role	NOUN
ijtc-373	83	3	of	of	ADP
ijtc-373	83	4	ojk	ojk	NOUN
ijtc-373	83	5	as	as	ADP
ijtc-373	83	6	an	an	DET
ijtc-373	83	7	authority	authority	NOUN
ijtc-373	83	8	that	that	PRON
ijtc-373	83	9	has	have	VERB
ijtc-373	83	10	a	a	DET
ijtc-373	83	11	financial	financial	ADJ
ijtc-373	83	12	road	road	NOUN
ijtc-373	83	13	map	map	NOUN
ijtc-373	83	14	for	for	ADP
ijtc-373	83	15	all	all	DET
ijtc-373	83	16	the	the	DET
ijtc-373	83	17	nation	nation	NOUN
ijtc-373	83	18	's	's	PART
ijtc-373	83	19	children	child	NOUN
ijtc-373	83	20	is	be	AUX
ijtc-373	83	21	to	to	PART
ijtc-373	83	22	play	play	VERB
ijtc-373	83	23	a	a	DET
ijtc-373	83	24	more	more	ADV
ijtc-373	83	25	active	active	ADJ
ijtc-373	83	26	role	role	NOUN
ijtc-373	83	27	in	in	ADP
ijtc-373	83	28	mobilizing	mobilize	VERB
ijtc-373	83	29	and	and	CCONJ
ijtc-373	83	30	creating	create	VERB
ijtc-373	83	31	a	a	DET
ijtc-373	83	32	younger	young	ADJ
ijtc-373	83	33	generation	generation	NOUN
ijtc-373	83	34	who	who	PRON
ijtc-373	83	35	are	be	AUX
ijtc-373	83	36	more	more	ADJ
ijtc-373	83	37	technology	technology	NOUN
ijtc-373	83	38	literate	literate	ADJ
ijtc-373	83	39	and	and	CCONJ
ijtc-373	83	40	more	more	ADV
ijtc-373	83	41	familiar	familiar	ADJ
ijtc-373	83	42	with	with	ADP
ijtc-373	83	43	the	the	DET
ijtc-373	83	44	financial	financial	ADJ
ijtc-373	83	45	industry	industry	NOUN
ijtc-373	83	46	so	so	SCONJ
ijtc-373	83	47	that	that	SCONJ
ijtc-373	83	48	weaknesses	weakness	NOUN
ijtc-373	83	49	and	and	CCONJ
ijtc-373	83	50	threats	threat	NOUN
ijtc-373	83	51	can	can	AUX
ijtc-373	83	52	be	be	AUX
ijtc-373	83	53	minimized	minimize	VERB
ijtc-373	83	54	or	or	CCONJ
ijtc-373	83	55	even	even	ADV
ijtc-373	83	56	eliminated	eliminate	VERB
ijtc-373	83	57	.	.	PUNCT
ijtc-373	84	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-373	84	2	financial	financial	ADJ
ijtc-373	84	3	literacy	literacy	NOUN
ijtc-373	84	4	and	and	CCONJ
ijtc-373	84	5	inclusion	inclusion	NOUN
ijtc-373	84	6	analysis	analysis	NOUN
ijtc-373	84	7	of	of	ADP
ijtc-373	84	8	the	the	DET
ijtc-373	84	9	community	community	NOUN
ijtc-373	84	10	of	of	ADP
ijtc-373	84	11	pulau	pulau	PROPN
ijtc-373	84	12	seribu	seribu	NOUN
ijtc-373	84	13	(	(	PUNCT
ijtc-373	84	14	a	a	DET
ijtc-373	84	15	case	case	NOUN
ijtc-373	84	16	study	study	NOUN
ijtc-373	84	17	on	on	ADP
ijtc-373	84	18	the	the	DET
ijtc-373	84	19	limitations	limitation	NOUN
ijtc-373	84	20	of	of	ADP
ijtc-373	84	21	banking	bank	VERB
ijtc-373	84	22	financial	financial	ADJ
ijtc-373	84	23	services	service	NOUN
ijtc-373	84	24	in	in	ADP
ijtc-373	84	25	the	the	DET
ijtc-373	84	26	pulau	pulau	PROPN
ijtc-373	84	27	seribu	seribu	NOUN
ijtc-373	84	28	)	)	PUNCT
ijtc-373	84	29	prasetiyani	prasetiyani	NOUN
ijtc-373	84	30	,	,	PUNCT
ijtc-373	84	31	sumidartini	sumidartini	PROPN
ijtc-373	84	32	,	,	PUNCT
ijtc-373	84	33	barlian	barlian	ADJ
ijtc-373	84	34	260	260	NUM
ijtc-373	84	35	|	|	CCONJ
ijtc-373	84	36	ilomata	ilomata	PROPN
ijtc-373	84	37	international	international	ADJ
ijtc-373	84	38	journal	journal	NOUN
ijtc-373	84	39	of	of	ADP
ijtc-373	84	40	tax	tax	PROPN
ijtc-373	84	41	&	&	CCONJ
ijtc-373	84	42	accounting	account	VERB
ijtc-373	84	43	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-373	84	44	conclusion	conclusion	NOUN
ijtc-373	84	45	financial	financial	ADJ
ijtc-373	84	46	literacy	literacy	NOUN
ijtc-373	84	47	and	and	CCONJ
ijtc-373	84	48	financial	financial	ADJ
ijtc-373	84	49	inclusion	inclusion	NOUN
ijtc-373	84	50	are	be	AUX
ijtc-373	84	51	not	not	PART
ijtc-373	84	52	always	always	ADV
ijtc-373	84	53	directly	directly	ADV
ijtc-373	84	54	proportional	proportional	ADJ
ijtc-373	84	55	.	.	PUNCT
ijtc-373	85	1	for	for	ADP
ijtc-373	85	2	example	example	NOUN
ijtc-373	85	3	,	,	PUNCT
ijtc-373	85	4	in	in	ADP
ijtc-373	85	5	the	the	DET
ijtc-373	85	6	pulau	pulau	PROPN
ijtc-373	85	7	seribu	seribu	NOUN
ijtc-373	85	8	,	,	PUNCT
ijtc-373	85	9	citizens	citizen	NOUN
ijtc-373	85	10	are	be	AUX
ijtc-373	85	11	literate	literate	ADJ
ijtc-373	85	12	enough	enough	ADV
ijtc-373	85	13	to	to	PART
ijtc-373	85	14	understand	understand	VERB
ijtc-373	85	15	financial	financial	ADJ
ijtc-373	85	16	knowledge	knowledge	NOUN
ijtc-373	85	17	but	but	CCONJ
ijtc-373	85	18	lack	lack	VERB
ijtc-373	85	19	the	the	DET
ijtc-373	85	20	opportunity	opportunity	NOUN
ijtc-373	85	21	to	to	PART
ijtc-373	85	22	get	get	VERB
ijtc-373	85	23	access	access	NOUN
ijtc-373	85	24	to	to	ADP
ijtc-373	85	25	finance	finance	NOUN
ijtc-373	85	26	(	(	PUNCT
ijtc-373	85	27	inclusion	inclusion	NOUN
ijtc-373	85	28	)	)	PUNCT
ijtc-373	85	29	.	.	PUNCT
ijtc-373	86	1	this	this	DET
ijtc-373	86	2	island	island	NOUN
ijtc-373	86	3	group	group	NOUN
ijtc-373	86	4	is	be	AUX
ijtc-373	86	5	part	part	NOUN
ijtc-373	86	6	of	of	ADP
ijtc-373	86	7	the	the	DET
ijtc-373	86	8	dki	dki	PROPN
ijtc-373	86	9	jakarta	jakarta	PROPN
ijtc-373	86	10	area	area	PROPN
ijtc-373	86	11	but	but	CCONJ
ijtc-373	86	12	is	be	AUX
ijtc-373	86	13	very	very	ADV
ijtc-373	86	14	contrary	contrary	ADJ
ijtc-373	86	15	to	to	ADP
ijtc-373	86	16	economic	economic	ADJ
ijtc-373	86	17	development	development	NOUN
ijtc-373	86	18	so	so	SCONJ
ijtc-373	86	19	that	that	SCONJ
ijtc-373	86	20	the	the	DET
ijtc-373	86	21	facilities	facility	NOUN
ijtc-373	86	22	,	,	PUNCT
ijtc-373	86	23	pleasures	pleasure	NOUN
ijtc-373	86	24	and	and	CCONJ
ijtc-373	86	25	conveniences	convenience	NOUN
ijtc-373	86	26	that	that	PRON
ijtc-373	86	27	are	be	AUX
ijtc-373	86	28	available	available	ADJ
ijtc-373	86	29	in	in	ADP
ijtc-373	86	30	dki	dki	PROPN
ijtc-373	86	31	jakarta	jakarta	PROPN
ijtc-373	86	32	are	be	AUX
ijtc-373	86	33	not	not	PART
ijtc-373	86	34	fully	fully	ADV
ijtc-373	86	35	enjoyed	enjoy	VERB
ijtc-373	86	36	by	by	ADP
ijtc-373	86	37	residents	resident	NOUN
ijtc-373	86	38	of	of	ADP
ijtc-373	86	39	this	this	DET
ijtc-373	86	40	area	area	NOUN
ijtc-373	86	41	.	.	PUNCT
ijtc-373	87	1	it	it	PRON
ijtc-373	87	2	takes	take	VERB
ijtc-373	87	3	a	a	DET
ijtc-373	87	4	breakthrough	breakthrough	NOUN
ijtc-373	87	5	,	,	PUNCT
ijtc-373	87	6	good	good	ADJ
ijtc-373	87	7	faith	faith	NOUN
ijtc-373	87	8	and	and	CCONJ
ijtc-373	87	9	a	a	DET
ijtc-373	87	10	very	very	ADV
ijtc-373	87	11	innovative	innovative	ADJ
ijtc-373	87	12	strategy	strategy	NOUN
ijtc-373	87	13	to	to	PART
ijtc-373	87	14	lift	lift	VERB
ijtc-373	87	15	this	this	DET
ijtc-373	87	16	area	area	NOUN
ijtc-373	87	17	into	into	ADP
ijtc-373	87	18	little	little	ADJ
ijtc-373	87	19	jakarta	jakarta	PROPN
ijtc-373	87	20	.	.	PUNCT
ijtc-373	88	1	the	the	DET
ijtc-373	88	2	synergy	synergy	NOUN
ijtc-373	88	3	between	between	ADP
ijtc-373	88	4	the	the	DET
ijtc-373	88	5	dki	dki	PROPN
ijtc-373	88	6	jakarta	jakarta	PROPN
ijtc-373	88	7	regional	regional	PROPN
ijtc-373	88	8	government	government	NOUN
ijtc-373	88	9	,	,	PUNCT
ijtc-373	88	10	ojk	ojk	NOUN
ijtc-373	88	11	and	and	CCONJ
ijtc-373	88	12	the	the	DET
ijtc-373	88	13	local	local	ADJ
ijtc-373	88	14	community	community	NOUN
ijtc-373	88	15	will	will	AUX
ijtc-373	88	16	determine	determine	VERB
ijtc-373	88	17	the	the	DET
ijtc-373	88	18	realization	realization	NOUN
ijtc-373	88	19	of	of	ADP
ijtc-373	88	20	a	a	DET
ijtc-373	88	21	sustainable	sustainable	ADJ
ijtc-373	88	22	finance	finance	NOUN
ijtc-373	88	23	roadmap	roadmap	NOUN
ijtc-373	88	24	which	which	PRON
ijtc-373	88	25	was	be	AUX
ijtc-373	88	26	initiated	initiate	VERB
ijtc-373	88	27	and	and	CCONJ
ijtc-373	88	28	became	become	VERB
ijtc-373	88	29	the	the	DET
ijtc-373	88	30	ojk	ojk	NOUN
ijtc-373	88	31	program	program	NOUN
ijtc-373	88	32	.	.	PUNCT
ijtc-373	89	1	reference	reference	NOUN
ijtc-373	89	2	abadi	abadi	PROPN
ijtc-373	89	3	,	,	PUNCT
ijtc-373	89	4	m.	m.	PROPN
ijtc-373	89	5	d.	d.	PROPN
ijtc-373	89	6	,	,	PUNCT
ijtc-373	89	7	lailiyah	lailiyah	PROPN
ijtc-373	89	8	,	,	PUNCT
ijtc-373	89	9	e.	e.	PROPN
ijtc-373	89	10	h.	h.	PROPN
ijtc-373	89	11	,	,	PUNCT
ijtc-373	89	12	&	&	CCONJ
ijtc-373	89	13	kartikasari	kartikasari	PROPN
ijtc-373	89	14	,	,	PUNCT
ijtc-373	89	15	e.	e.	PROPN
ijtc-373	89	16	d.	d.	PROPN
ijtc-373	89	17	(	(	PUNCT
ijtc-373	89	18	2020	2020	NUM
ijtc-373	89	19	)	)	PUNCT
ijtc-373	89	20	.	.	PUNCT
ijtc-373	90	1	analisis	analisis	PROPN
ijtc-373	90	2	swot	swot	PROPN
ijtc-373	90	3	fintech	fintech	PROPN
ijtc-373	90	4	syariah	syariah	PROPN
ijtc-373	90	5	dalam	dalam	PROPN
ijtc-373	90	6	menciptakan	menciptakan	PROPN
ijtc-373	90	7	keuangan	keuangan	PROPN
ijtc-373	90	8	inklusif	inklusif	PROPN
ijtc-373	90	9	di	di	X
ijtc-373	90	10	indonesia	indonesia	PROPN
ijtc-373	90	11	(	(	PUNCT
ijtc-373	90	12	studi	studi	PROPN
ijtc-373	90	13	kasus	kasus	PROPN
ijtc-373	90	14	3	3	NUM
ijtc-373	90	15	bank	bank	NOUN
ijtc-373	90	16	syariah	syariah	PROPN
ijtc-373	90	17	di	di	PROPN
ijtc-373	90	18	lamongan	lamongan	PROPN
ijtc-373	90	19	)	)	PUNCT
ijtc-373	90	20	.	.	PUNCT
ijtc-373	91	1	jesya	jesya	NOUN
ijtc-373	91	2	(	(	PUNCT
ijtc-373	91	3	jurnal	jurnal	ADJ
ijtc-373	91	4	ekonomi	ekonomi	PROPN
ijtc-373	91	5	&	&	CCONJ
ijtc-373	91	6	ekonomi	ekonomi	PROPN
ijtc-373	91	7	syariah	syariah	PROPN
ijtc-373	91	8	)	)	PUNCT
ijtc-373	91	9	,	,	PUNCT
ijtc-373	91	10	4(1	4(1	NOUN
ijtc-373	91	11	)	)	PUNCT
ijtc-373	91	12	,	,	PUNCT
ijtc-373	91	13	178–188	178–188	NUM
ijtc-373	91	14	.	.	PUNCT
ijtc-373	91	15	https://doi.org/10.36778/jesya.v4i1.298	https://doi.org/10.36778/jesya.v4i1.298	PROPN
ijtc-373	91	16	de	de	X
ijtc-373	91	17	clercq	clercq	PROPN
ijtc-373	91	18	,	,	PUNCT
ijtc-373	91	19	b.	b.	PROPN
ijtc-373	91	20	,	,	PUNCT
ijtc-373	91	21	&	&	CCONJ
ijtc-373	91	22	venter	venter	PROPN
ijtc-373	91	23	,	,	PUNCT
ijtc-373	91	24	j.	j.	PROPN
ijtc-373	91	25	m.	m.	PROPN
ijtc-373	91	26	p.	p.	PROPN
ijtc-373	91	27	(	(	PUNCT
ijtc-373	91	28	2009	2009	NUM
ijtc-373	91	29	)	)	PUNCT
ijtc-373	91	30	.	.	PUNCT
ijtc-373	92	1	factors	factor	NOUN
ijtc-373	92	2	influencing	influence	VERB
ijtc-373	92	3	a	a	DET
ijtc-373	92	4	prospective	prospective	ADJ
ijtc-373	92	5	chartered	chartered	ADJ
ijtc-373	92	6	accountant	accountant	NOUN
ijtc-373	92	7	’s	’s	PART
ijtc-373	92	8	level	level	NOUN
ijtc-373	92	9	of	of	ADP
ijtc-373	92	10	financial	financial	ADJ
ijtc-373	92	11	literacy	literacy	NOUN
ijtc-373	92	12	:	:	PUNCT
ijtc-373	92	13	an	an	DET
ijtc-373	92	14	exploratory	exploratory	ADJ
ijtc-373	92	15	study	study	NOUN
ijtc-373	92	16	.	.	PUNCT
ijtc-373	93	1	meditari	meditari	ADJ
ijtc-373	93	2	accountancy	accountancy	NOUN
ijtc-373	93	3	research	research	NOUN
ijtc-373	93	4	,	,	PUNCT
ijtc-373	93	5	17(2	17(2	NUM
ijtc-373	93	6	)	)	PUNCT
ijtc-373	93	7	,	,	PUNCT
ijtc-373	93	8	47–60	47–60	NOUN
ijtc-373	93	9	.	.	PUNCT
ijtc-373	94	1	https://doi.org/10.1108/10222529200900011	https://doi.org/10.1108/10222529200900011	PROPN
ijtc-373	94	2	roadmap	roadmap	NOUN
ijtc-373	94	3	for	for	ADP
ijtc-373	94	4	suistable	suistable	ADJ
ijtc-373	94	5	finance	finance	NOUN
ijtc-373	94	6	in	in	ADP
ijtc-373	94	7	indonesia	indonesia	PROPN
ijtc-373	94	8	,	,	PUNCT
ijtc-373	94	9	(	(	PUNCT
ijtc-373	94	10	2015	2015	NUM
ijtc-373	94	11	)	)	PUNCT
ijtc-373	94	12	.	.	PUNCT
ijtc-373	95	1	jasa	jasa	PROPN
ijtc-373	95	2	keuangan	keuangan	PROPN
ijtc-373	95	3	,	,	PUNCT
ijtc-373	95	4	o.	o.	PROPN
ijtc-373	95	5	(	(	PUNCT
ijtc-373	95	6	2019	2019	NUM
ijtc-373	95	7	)	)	PUNCT
ijtc-373	95	8	.	.	PUNCT
ijtc-373	96	1	survei	survei	PROPN
ijtc-373	96	2	nasional	nasional	PROPN
ijtc-373	96	3	literasi	literasi	PROPN
ijtc-373	96	4	dan	dan	PROPN
ijtc-373	96	5	inklusi	inklusi	PROPN
ijtc-373	96	6	keuangan	keuangan	VERB
ijtc-373	96	7	2019	2019	NUM
ijtc-373	96	8	.	.	PUNCT
ijtc-373	97	1	jasa	jasa	PROPN
ijtc-373	97	2	keuangan	keuangan	PROPN
ijtc-373	97	3	,	,	PUNCT
ijtc-373	97	4	otoritas	otorita	NOUN
ijtc-373	97	5	.	.	PUNCT
ijtc-373	98	1	https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/pages/survei-nasionalliterasi-dan-inklusi-keuangan-2019.aspx	https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/pages/survei-nasionalliterasi-dan-inklusi-keuangan-2019.aspx	NOUN
ijtc-373	98	2	nugraha	nugraha	PROPN
ijtc-373	98	3	,	,	PUNCT
ijtc-373	98	4	u.	u.	PROPN
ijtc-373	98	5	(	(	PUNCT
ijtc-373	98	6	2018	2018	NUM
ijtc-373	98	7	)	)	PUNCT
ijtc-373	98	8	.	.	PUNCT
ijtc-373	99	1	strategy	strategy	NOUN
ijtc-373	99	2	to	to	PART
ijtc-373	99	3	accelerate	accelerate	VERB
ijtc-373	99	4	financial	financial	ADJ
ijtc-373	99	5	literacy	literacy	NOUN
ijtc-373	99	6	rate	rate	NOUN
ijtc-373	99	7	in	in	ADP
ijtc-373	99	8	indonesia	indonesia	PROPN
ijtc-373	99	9	:	:	PUNCT
ijtc-373	99	10	best	good	ADJ
ijtc-373	99	11	practices	practice	NOUN
ijtc-373	99	12	from	from	ADP
ijtc-373	99	13	selected	select	VERB
ijtc-373	99	14	countries	country	NOUN
ijtc-373	99	15	.	.	PUNCT
ijtc-373	100	1	jurnal	jurnal	ADJ
ijtc-373	100	2	perencanaan	perencanaan	PROPN
ijtc-373	100	3	pembangunan	pembangunan	PROPN
ijtc-373	100	4	:	:	PUNCT
ijtc-373	100	5	the	the	DET
ijtc-373	100	6	indonesian	indonesian	ADJ
ijtc-373	100	7	journal	journal	PROPN
ijtc-373	100	8	of	of	ADP
ijtc-373	100	9	development	development	NOUN
ijtc-373	100	10	planning	planning	NOUN
ijtc-373	100	11	,	,	PUNCT
ijtc-373	100	12	2(1	2(1	NUM
ijtc-373	100	13	)	)	PUNCT
ijtc-373	100	14	.	.	PUNCT
ijtc-373	101	1	https://doi.org/10.36574/jpp.v2i1.33	https://doi.org/10.36574/jpp.v2i1.33	ADJ
ijtc-373	101	2	prasetiyani	prasetiyani	PROPN
ijtc-373	101	3	,	,	PUNCT
ijtc-373	101	4	e.	e.	PROPN
ijtc-373	101	5	(	(	PUNCT
ijtc-373	101	6	2006	2006	NUM
ijtc-373	101	7	)	)	PUNCT
ijtc-373	101	8	.	.	PUNCT
ijtc-373	102	1	analysis	analysis	NOUN
ijtc-373	102	2	of	of	ADP
ijtc-373	102	3	the	the	DET
ijtc-373	102	4	influence	influence	NOUN
ijtc-373	102	5	of	of	ADP
ijtc-373	102	6	the	the	DET
ijtc-373	102	7	cash	cash	NOUN
ijtc-373	102	8	management	management	NOUN
ijtc-373	102	9	service	service	NOUN
ijtc-373	102	10	strategy	strategy	NOUN
ijtc-373	102	11	on	on	ADP
ijtc-373	102	12	fee	fee	NOUN
ijtc-373	102	13	based	base	VERB
ijtc-373	102	14	income	income	NOUN
ijtc-373	102	15	at	at	ADP
ijtc-373	102	16	bank	bank	PROPN
ijtc-373	102	17	x.	x.	PROPN
ijtc-373	102	18	rony	rony	PROPN
ijtc-373	102	19	,	,	PUNCT
ijtc-373	102	20	z.	z.	PROPN
ijtc-373	102	21	t.	t.	PROPN
ijtc-373	102	22	(	(	PUNCT
ijtc-373	102	23	2017	2017	NUM
ijtc-373	102	24	)	)	PUNCT
ijtc-373	102	25	.	.	PUNCT
ijtc-373	103	1	siap	siap	PROPN
ijtc-373	103	2	fokus	fokus	PROPN
ijtc-373	103	3	,	,	PUNCT
ijtc-373	103	4	siap	siap	PROPN
ijtc-373	103	5	menulis	menulis	PROPN
ijtc-373	103	6	skripsi	skripsi	PROPN
ijtc-373	103	7	,	,	PUNCT
ijtc-373	103	8	tesis	tesis	NOUN
ijtc-373	103	9	,	,	PUNCT
ijtc-373	103	10	disertasi	disertasi	PROPN
ijtc-373	103	11	(	(	PUNCT
ijtc-373	103	12	jurus	jurus	PROPN
ijtc-373	103	13	mudah	mudah	PROPN
ijtc-373	103	14	gunakan	gunakan	PROPN
ijtc-373	103	15	metode	metode	PROPN
ijtc-373	103	16	kualitatif	kualitatif	PROPN
ijtc-373	103	17	tipe	tipe	PROPN
ijtc-373	103	18	studi	studi	PROPN
ijtc-373	103	19	kasus	kasus	PROPN
ijtc-373	103	20	)	)	PUNCT
ijtc-373	103	21	(	(	PUNCT
ijtc-373	103	22	issue	issue	NOUN
ijtc-373	103	23	november	november	PROPN
ijtc-373	103	24	2017	2017	NUM
ijtc-373	103	25	)	)	PUNCT
ijtc-373	103	26	.	.	PUNCT
ijtc-373	104	1	santos	santos	PROPN
ijtc-373	104	2	,	,	PUNCT
ijtc-373	104	3	e.	e.	PROPN
ijtc-373	104	4	m.	m.	PROPN
ijtc-373	104	5	m.	m.	PROPN
ijtc-373	104	6	,	,	PUNCT
ijtc-373	104	7	tavares	tavare	NOUN
ijtc-373	104	8	,	,	PUNCT
ijtc-373	104	9	v.	v.	PROPN
ijtc-373	104	10	c.	c.	PROPN
ijtc-373	104	11	,	,	PUNCT
ijtc-373	104	12	ratten	ratten	PROPN
ijtc-373	104	13	,	,	PUNCT
ijtc-373	104	14	v.	v.	PROPN
ijtc-373	104	15	,	,	PUNCT
ijtc-373	104	16	&	&	CCONJ
ijtc-373	104	17	tavares	tavare	NOUN
ijtc-373	104	18	,	,	PUNCT
ijtc-373	104	19	f.	f.	PROPN
ijtc-373	104	20	o.	o.	PROPN
ijtc-373	104	21	(	(	PUNCT
ijtc-373	104	22	2021	2021	NUM
ijtc-373	104	23	)	)	PUNCT
ijtc-373	104	24	.	.	PUNCT
ijtc-373	105	1	the	the	DET
ijtc-373	105	2	profile	profile	NOUN
ijtc-373	105	3	of	of	ADP
ijtc-373	105	4	the	the	DET
ijtc-373	105	5	portuguese	portuguese	NOUN
ijtc-373	105	6	regarding	regard	VERB
ijtc-373	105	7	the	the	DET
ijtc-373	105	8	perception	perception	NOUN
ijtc-373	105	9	of	of	ADP
ijtc-373	105	10	financial	financial	ADJ
ijtc-373	105	11	literacy	literacy	NOUN
ijtc-373	105	12	.	.	PUNCT
ijtc-373	106	1	managerial	managerial	ADJ
ijtc-373	106	2	finance	finance	NOUN
ijtc-373	106	3	,	,	PUNCT
ijtc-373	106	4	ahead	ahead	ADV
ijtc-373	106	5	-	-	PUNCT
ijtc-373	106	6	of	of	ADP
ijtc-373	106	7	-	-	PUNCT
ijtc-373	106	8	p(ahead	p(ahead	NOUN
ijtc-373	106	9	-	-	PUNCT
ijtc-373	106	10	of	of	ADP
ijtc-373	106	11	-	-	PUNCT
ijtc-373	106	12	print	print	NOUN
ijtc-373	106	13	)	)	PUNCT
ijtc-373	106	14	.	.	PUNCT
ijtc-373	107	1	https://doi.org/10.1108/mf-05-2021-0210	https://doi.org/10.1108/mf-05-2021-0210	AUX
ijtc-373	107	2	sarpong	sarpong	NOUN
ijtc-373	107	3	-	-	PUNCT
ijtc-373	107	4	kumankoma	kumankoma	NOUN
ijtc-373	107	5	,	,	PUNCT
ijtc-373	107	6	e.	e.	PROPN
ijtc-373	107	7	(	(	PUNCT
ijtc-373	107	8	2021	2021	NUM
ijtc-373	107	9	)	)	PUNCT
ijtc-373	107	10	.	.	PUNCT
ijtc-373	108	1	financial	financial	ADJ
ijtc-373	108	2	literacy	literacy	NOUN
ijtc-373	108	3	and	and	CCONJ
ijtc-373	108	4	retirement	retirement	NOUN
ijtc-373	108	5	planning	planning	NOUN
ijtc-373	108	6	in	in	ADP
ijtc-373	108	7	ghana	ghana	PROPN
ijtc-373	108	8	.	.	PUNCT
ijtc-373	109	1	review	review	NOUN
ijtc-373	109	2	of	of	ADP
ijtc-373	109	3	behavioral	behavioral	ADJ
ijtc-373	109	4	finance	finance	NOUN
ijtc-373	109	5	,	,	PUNCT
ijtc-373	109	6	ahead	ahead	ADV
ijtc-373	109	7	-	-	PUNCT
ijtc-373	109	8	of	of	ADP
ijtc-373	109	9	-	-	PUNCT
ijtc-373	109	10	p(ahead	p(ahead	NOUN
ijtc-373	109	11	-	-	PUNCT
ijtc-373	109	12	of	of	ADP
ijtc-373	109	13	-	-	PUNCT
ijtc-373	109	14	print	print	NOUN
ijtc-373	109	15	)	)	PUNCT
ijtc-373	109	16	.	.	PUNCT
ijtc-373	110	1	https://doi.org/10.1108/rbf-05-2020-0110	https://doi.org/10.1108/rbf-05-2020-0110	ADJ
ijtc-373	110	2	shandy	shandy	PROPN
ijtc-373	110	3	,	,	PUNCT
ijtc-373	110	4	k.	k.	PROPN
ijtc-373	110	5	f.	f.	PROPN
ijtc-373	110	6	(	(	PUNCT
ijtc-373	110	7	2021	2021	NUM
ijtc-373	110	8	)	)	PUNCT
ijtc-373	110	9	.	.	PUNCT
ijtc-373	111	1	duh	duh	PROPN
ijtc-373	111	2	,	,	PUNCT
ijtc-373	111	3	tingkat	tingkat	PROPN
ijtc-373	111	4	melek	melek	VERB
ijtc-373	111	5	keuangan	keuangan	PROPN
ijtc-373	111	6	kita	kita	PROPN
ijtc-373	111	7	kalah	kalah	PROPN
ijtc-373	111	8	jauh	jauh	PROPN
ijtc-373	111	9	oleh	oleh	PROPN
ijtc-373	111	10	china	china	PROPN
ijtc-373	111	11	dan	dan	PROPN
ijtc-373	111	12	india	india	PROPN
ijtc-373	111	13	.	.	PUNCT
ijtc-373	112	1	sindo	sindo	PROPN
ijtc-373	112	2	news	news	PROPN
ijtc-373	112	3	,	,	PUNCT
ijtc-373	112	4	1	1	NUM
ijtc-373	112	5	.	.	PUNCT
ijtc-373	112	6	https://ekbis.sindonews.com/read/302262/178/duh-tingkat-melek-keuangan-kitakalah-jauh-oleh-china-dan-india-1610690476	https://ekbis.sindonews.com/read/302262/178/duh-tingkat-melek-keuangan-kitakalah-jauh-oleh-china-dan-india-1610690476	PROPN
ijtc-373	112	7	sukirno	sukirno	PROPN
ijtc-373	112	8	,	,	PUNCT
ijtc-373	112	9	s.	s.	PROPN
ijtc-373	112	10	(	(	PUNCT
ijtc-373	112	11	2006	2006	NUM
ijtc-373	112	12	)	)	PUNCT
ijtc-373	112	13	.	.	PUNCT
ijtc-373	113	1	ekonomi	ekonomi	PROPN
ijtc-373	113	2	pembangunan	pembangunan	PROPN
ijtc-373	113	3	 	 	SPACE
ijtc-373	113	4	:	:	PUNCT
ijtc-373	113	5	proses	proses	PROPN
ijtc-373	113	6	,	,	PUNCT
ijtc-373	113	7	masalah	masalah	PROPN
ijtc-373	113	8	dan	dan	PROPN
ijtc-373	113	9	dasar	dasar	PROPN
ijtc-373	113	10	kebijakan	kebijakan	PROPN
ijtc-373	113	11	(	(	PUNCT
ijtc-373	113	12	2nd	2nd	ADJ
ijtc-373	113	13	ed	ed	NOUN
ijtc-373	113	14	.	.	PUNCT
ijtc-373	113	15	)	)	PUNCT
ijtc-373	113	16	.	.	PUNCT
ijtc-373	114	1	kencana	kencana	PROPN
ijtc-373	114	2	.	.	PUNCT
ijtc-373	115	1	suryani	suryani	PROPN
ijtc-373	115	2	,	,	PUNCT
ijtc-373	115	3	s.	s.	PROPN
ijtc-373	115	4	,	,	PUNCT
ijtc-373	115	5	&	&	CCONJ
ijtc-373	115	6	ramadhan	ramadhan	PROPN
ijtc-373	115	7	,	,	PUNCT
ijtc-373	115	8	s.	s.	PROPN
ijtc-373	115	9	(	(	PUNCT
ijtc-373	115	10	2017	2017	NUM
ijtc-373	115	11	)	)	PUNCT
ijtc-373	115	12	.	.	PUNCT
ijtc-373	116	1	analisis	analisis	ADJ
ijtc-373	116	2	literasi	literasi	NOUN
ijtc-373	116	3	keuangan	keuangan	PROPN
ijtc-373	116	4	pada	pada	PROPN
ijtc-373	116	5	pelaku	pelaku	PROPN
ijtc-373	116	6	usaha	usaha	PROPN
ijtc-373	116	7	mikro	mikro	PROPN
ijtc-373	116	8	di	di	PROPN
ijtc-373	116	9	kota	kota	PROPN
ijtc-373	116	10	pekanbaru	pekanbaru	PROPN
ijtc-373	116	11	.	.	PUNCT
ijtc-373	117	1	journal	journal	PROPN
ijtc-373	117	2	of	of	ADP
ijtc-373	117	3	economic	economic	ADJ
ijtc-373	117	4	,	,	PUNCT
ijtc-373	117	5	bussines	bussine	NOUN
ijtc-373	117	6	and	and	CCONJ
ijtc-373	117	7	accounting	accounting	NOUN
ijtc-373	117	8	(	(	PUNCT
ijtc-373	117	9	costing	costing	NOUN
ijtc-373	117	10	)	)	PUNCT
ijtc-373	117	11	,	,	PUNCT
ijtc-373	117	12	1(1	1(1	NUM
ijtc-373	117	13	)	)	PUNCT
ijtc-373	117	14	,	,	PUNCT
ijtc-373	117	15	12–22	12–22	NUM
ijtc-373	117	16	.	.	PUNCT
ijtc-373	117	17	https://doi.org/10.31539/costing.v1i1.67	https://doi.org/10.31539/costing.v1i1.67	VERB
ijtc-373	117	18	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-373	117	19	financial	financial	ADJ
ijtc-373	117	20	literacy	literacy	NOUN
ijtc-373	117	21	and	and	CCONJ
ijtc-373	117	22	inclusion	inclusion	NOUN
ijtc-373	117	23	analysis	analysis	NOUN
ijtc-373	117	24	of	of	ADP
ijtc-373	117	25	the	the	DET
ijtc-373	117	26	community	community	NOUN
ijtc-373	117	27	of	of	ADP
ijtc-373	117	28	pulau	pulau	PROPN
ijtc-373	117	29	seribu	seribu	NOUN
ijtc-373	117	30	(	(	PUNCT
ijtc-373	117	31	a	a	DET
ijtc-373	117	32	case	case	NOUN
ijtc-373	117	33	study	study	NOUN
ijtc-373	117	34	on	on	ADP
ijtc-373	117	35	the	the	DET
ijtc-373	117	36	limitations	limitation	NOUN
ijtc-373	117	37	of	of	ADP
ijtc-373	117	38	banking	bank	VERB
ijtc-373	117	39	financial	financial	ADJ
ijtc-373	117	40	services	service	NOUN
ijtc-373	117	41	in	in	ADP
ijtc-373	117	42	the	the	DET
ijtc-373	117	43	pulau	pulau	PROPN
ijtc-373	117	44	seribu	seribu	NOUN
ijtc-373	117	45	)	)	PUNCT
ijtc-373	117	46	prasetiyani	prasetiyani	NOUN
ijtc-373	117	47	,	,	PUNCT
ijtc-373	117	48	sumidartini	sumidartini	PROPN
ijtc-373	117	49	,	,	PUNCT
ijtc-373	117	50	barlian	barlian	ADJ
ijtc-373	117	51	261	261	NUM
ijtc-373	117	52	|	|	ADV
ijtc-373	117	53	ilomata	ilomata	PROPN
ijtc-373	117	54	international	international	ADJ
ijtc-373	117	55	journal	journal	NOUN
ijtc-373	117	56	of	of	ADP
ijtc-373	117	57	tax	tax	PROPN
ijtc-373	117	58	&	&	CCONJ
ijtc-373	117	59	accounting	accounting	PROPN
ijtc-373	117	60	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-373	117	61	susan	susan	PROPN
ijtc-373	117	62	,	,	PUNCT
ijtc-373	117	63	m.	m.	NOUN
ijtc-373	117	64	(	(	PUNCT
ijtc-373	117	65	2020	2020	NUM
ijtc-373	117	66	)	)	PUNCT
ijtc-373	117	67	.	.	PUNCT
ijtc-373	118	1	financial	financial	ADJ
ijtc-373	118	2	literacy	literacy	NOUN
ijtc-373	118	3	and	and	CCONJ
ijtc-373	118	4	growth	growth	NOUN
ijtc-373	118	5	of	of	ADP
ijtc-373	118	6	micro	micro	NOUN
ijtc-373	118	7	,	,	PUNCT
ijtc-373	118	8	small	small	ADJ
ijtc-373	118	9	,	,	PUNCT
ijtc-373	118	10	and	and	CCONJ
ijtc-373	118	11	medium	medium	ADJ
ijtc-373	118	12	enterprises	enterprise	NOUN
ijtc-373	118	13	in	in	ADP
ijtc-373	118	14	west	west	PROPN
ijtc-373	118	15	java	java	PROPN
ijtc-373	118	16	,	,	PUNCT
ijtc-373	118	17	indonesia	indonesia	PROPN
ijtc-373	118	18	(	(	PUNCT
ijtc-373	118	19	pp	pp	ADJ
ijtc-373	118	20	.	.	PUNCT
ijtc-373	118	21	39–48	39–48	NUM
ijtc-373	118	22	)	)	PUNCT
ijtc-373	118	23	.	.	PUNCT
ijtc-373	119	1	https://doi.org/10.1108/s1571-038620200000027004	https://doi.org/10.1108/s1571-038620200000027004	PROPN
ijtc-373	119	2	zinser	zinser	PROPN
ijtc-373	119	3	,	,	PUNCT
ijtc-373	119	4	b.	b.	PROPN
ijtc-373	119	5	a.	a.	PROPN
ijtc-373	119	6	(	(	PUNCT
ijtc-373	119	7	2019	2019	NUM
ijtc-373	119	8	)	)	PUNCT
ijtc-373	119	9	.	.	PUNCT
ijtc-373	120	1	retail	retail	ADJ
ijtc-373	120	2	islamic	islamic	ADJ
ijtc-373	120	3	banking	banking	PROPN
ijtc-373	120	4	and	and	CCONJ
ijtc-373	120	5	financial	financial	ADJ
ijtc-373	120	6	services	service	NOUN
ijtc-373	120	7	:	:	PUNCT
ijtc-373	120	8	determinants	determinant	NOUN
ijtc-373	120	9	of	of	ADP
ijtc-373	120	10	use	use	NOUN
ijtc-373	120	11	by	by	ADP
ijtc-373	120	12	muslims	muslim	NOUN
ijtc-373	120	13	in	in	ADP
ijtc-373	120	14	the	the	DET
ijtc-373	120	15	usa	usa	PROPN
ijtc-373	120	16	.	.	PROPN
ijtc-373	120	17	journal	journal	PROPN
ijtc-373	120	18	of	of	ADP
ijtc-373	120	19	islamic	islamic	PROPN
ijtc-373	120	20	marketing	marketing	NOUN
ijtc-373	120	21	,	,	PUNCT
ijtc-373	120	22	10(1	10(1	NUM
ijtc-373	120	23	)	)	PUNCT
ijtc-373	120	24	,	,	PUNCT
ijtc-373	120	25	168–190	168–190	NUM
ijtc-373	120	26	.	.	PUNCT
ijtc-373	121	1	https://doi.org/10.1108/jima-072017-0074	https://doi.org/10.1108/jima-072017-0074	PROPN
ijtc-373	122	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV