id	sid	tid	token	lemma	pos
ijtc-572	1	1	the	the	DET
ijtc-572	1	2	illomata	illomata	PROPN
ijtc-572	1	3	international	international	PROPN
ijtc-572	1	4	journal	journal	PROPN
ijtc-572	1	5	of	of	ADP
ijtc-572	1	6	management	management	NOUN
ijtc-572	1	7	ilomata	ilomata	PROPN
ijtc-572	1	8	international	international	ADJ
ijtc-572	1	9	journal	journal	NOUN
ijtc-572	1	10	of	of	ADP
ijtc-572	1	11	tax	tax	PROPN
ijtc-572	1	12	&	&	CCONJ
ijtc-572	1	13	accounting	account	VERB
ijtc-572	1	14	p	p	PROPN
ijtc-572	1	15	-	-	PUNCT
ijtc-572	1	16	issn	issn	NOUN
ijtc-572	1	17	:	:	PUNCT
ijtc-572	1	18	2714	2714	NUM
ijtc-572	1	19	-	-	SYM
ijtc-572	1	20	9838	9838	NUM
ijtc-572	1	21	;	;	PUNCT
ijtc-572	1	22	e	e	X
ijtc-572	1	23	-	-	PUNCT
ijtc-572	1	24	issn	issn	NOUN
ijtc-572	1	25	:	:	PUNCT
ijtc-572	1	26	2714	2714	NUM
ijtc-572	1	27	-	-	SYM
ijtc-572	1	28	9846	9846	NUM
ijtc-572	1	29	volume	volume	NOUN
ijtc-572	1	30	3	3	NUM
ijtc-572	1	31	,	,	PUNCT
ijtc-572	1	32	issue	issue	NOUN
ijtc-572	1	33	4	4	NUM
ijtc-572	1	34	october	october	PROPN
ijtc-572	1	35	2022	2022	NUM
ijtc-572	1	36	page	page	NOUN
ijtc-572	2	1	no	no	NOUN
ijtc-572	2	2	.	.	NOUN
ijtc-572	2	3	408	408	NUM
ijtc-572	2	4	-	-	SYM
ijtc-572	2	5	420	420	NUM
ijtc-572	2	6	408|	408|	NUM
ijtc-572	2	7	ilomata	ilomata	NOUN
ijtc-572	2	8	international	international	ADJ
ijtc-572	2	9	journal	journal	NOUN
ijtc-572	2	10	of	of	ADP
ijtc-572	2	11	tax	tax	PROPN
ijtc-572	2	12	&	&	CCONJ
ijtc-572	2	13	accounting	account	VERB
ijtc-572	2	14	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-572	2	15	influence	influence	NOUN
ijtc-572	2	16	financial	financial	ADJ
ijtc-572	2	17	technology	technology	NOUN
ijtc-572	2	18	,	,	PUNCT
ijtc-572	2	19	financial	financial	ADJ
ijtc-572	2	20	literacy	literacy	NOUN
ijtc-572	2	21	,	,	PUNCT
ijtc-572	2	22	and	and	CCONJ
ijtc-572	2	23	intellectual	intellectual	ADJ
ijtc-572	2	24	capital	capital	NOUN
ijtc-572	2	25	on	on	ADP
ijtc-572	2	26	financial	financial	ADJ
ijtc-572	2	27	inclusion	inclusion	NOUN
ijtc-572	2	28	in	in	ADP
ijtc-572	2	29	micro	micro	PROPN
ijtc-572	2	30	,	,	PUNCT
ijtc-572	2	31	small	small	ADJ
ijtc-572	2	32	and	and	CCONJ
ijtc-572	2	33	medium	medium	ADJ
ijtc-572	2	34	enterprises	enterprise	NOUN
ijtc-572	2	35	(	(	PUNCT
ijtc-572	2	36	msmes	msmes	PROPN
ijtc-572	2	37	)	)	PUNCT
ijtc-572	2	38	martini1	martini1	NOUN
ijtc-572	2	39	,	,	PUNCT
ijtc-572	2	40	eri	eri	PROPN
ijtc-572	2	41	triharyati2	triharyati2	NOUN
ijtc-572	2	42	,	,	PUNCT
ijtc-572	2	43	dheo	dheo	PROPN
ijtc-572	2	44	rimbano3	rimbano3	PROPN
ijtc-572	2	45	123	123	NUM
ijtc-572	2	46	universitas	universitas	PROPN
ijtc-572	2	47	bina	bina	PROPN
ijtc-572	2	48	insan	insan	PROPN
ijtc-572	2	49	,	,	PUNCT
ijtc-572	2	50	indonesia	indonesia	PROPN
ijtc-572	2	51	correspondent	correspondent	NOUN
ijtc-572	2	52	:	:	PUNCT
ijtc-572	2	53	dheo_rimbano@univbinainsan.ac.id3	dheo_rimbano@univbinainsan.ac.id3	PROPN
ijtc-572	2	54	received	receive	VERB
ijtc-572	2	55	:	:	PUNCT
ijtc-572	2	56	august	august	PROPN
ijtc-572	2	57	5	5	NUM
ijtc-572	2	58	,	,	PUNCT
ijtc-572	2	59	2022	2022	NUM
ijtc-572	2	60	accepted	accept	VERB
ijtc-572	2	61	:	:	PUNCT
ijtc-572	2	62	october	october	PROPN
ijtc-572	2	63	16	16	NUM
ijtc-572	2	64	,	,	PUNCT
ijtc-572	2	65	2022	2022	NUM
ijtc-572	2	66	published	publish	VERB
ijtc-572	2	67	:	:	PUNCT
ijtc-572	2	68	october	october	PROPN
ijtc-572	2	69	31	31	NUM
ijtc-572	2	70	,	,	PUNCT
ijtc-572	2	71	2022	2022	NUM
ijtc-572	2	72	citation	citation	NOUN
ijtc-572	2	73	:	:	PUNCT
ijtc-572	2	74	martini	martini	PROPN
ijtc-572	2	75	.	.	PROPN
ijtc-572	2	76	,	,	PUNCT
ijtc-572	2	77	triharyati	triharyati	PROPN
ijtc-572	2	78	,	,	PUNCT
ijtc-572	2	79	e.	e.	PROPN
ijtc-572	2	80	,	,	PUNCT
ijtc-572	2	81	rimbano	rimbano	PROPN
ijtc-572	2	82	,	,	PUNCT
ijtc-572	2	83	d.	d.	PROPN
ijtc-572	2	84	(	(	PUNCT
ijtc-572	2	85	2022	2022	NUM
ijtc-572	2	86	)	)	PUNCT
ijtc-572	2	87	.	.	PUNCT
ijtc-572	3	1	influence	influence	NOUN
ijtc-572	3	2	financial	financial	ADJ
ijtc-572	3	3	technology	technology	NOUN
ijtc-572	3	4	,	,	PUNCT
ijtc-572	3	5	financial	financial	ADJ
ijtc-572	3	6	literacy	literacy	NOUN
ijtc-572	3	7	,	,	PUNCT
ijtc-572	3	8	and	and	CCONJ
ijtc-572	3	9	intellectual	intellectual	ADJ
ijtc-572	3	10	capital	capital	NOUN
ijtc-572	3	11	on	on	ADP
ijtc-572	3	12	financial	financial	ADJ
ijtc-572	3	13	inclusion	inclusion	NOUN
ijtc-572	3	14	in	in	ADP
ijtc-572	3	15	micro	micro	PROPN
ijtc-572	3	16	,	,	PUNCT
ijtc-572	3	17	small	small	ADJ
ijtc-572	3	18	and	and	CCONJ
ijtc-572	3	19	medium	medium	ADJ
ijtc-572	3	20	enterprises	enterprise	NOUN
ijtc-572	3	21	(	(	PUNCT
ijtc-572	3	22	msmes	msme	NOUN
ijtc-572	3	23	)	)	PUNCT
ijtc-572	3	24	.	.	PUNCT
ijtc-572	4	1	ilomata	ilomata	PROPN
ijtc-572	4	2	international	international	ADJ
ijtc-572	4	3	journal	journal	NOUN
ijtc-572	4	4	of	of	ADP
ijtc-572	4	5	tax	tax	NOUN
ijtc-572	4	6	and	and	CCONJ
ijtc-572	4	7	accounting	accounting	NOUN
ijtc-572	4	8	,	,	PUNCT
ijtc-572	4	9	3(4	3(4	NUM
ijtc-572	4	10	)	)	PUNCT
ijtc-572	4	11	,	,	PUNCT
ijtc-572	4	12	408	408	NUM
ijtc-572	4	13	-	-	SYM
ijtc-572	4	14	420	420	NUM
ijtc-572	4	15	.	.	PUNCT
ijtc-572	5	1	https://doi.org/10.52728/ijtc.v3i4.572	https://doi.org/10.52728/ijtc.v3i4.572	PROPN
ijtc-572	5	2	abstract	abstract	NOUN
ijtc-572	5	3	:	:	PUNCT
ijtc-572	5	4	micro	micro	ADJ
ijtc-572	5	5	,	,	PUNCT
ijtc-572	5	6	small	small	ADJ
ijtc-572	5	7	and	and	CCONJ
ijtc-572	5	8	medium	medium	ADJ
ijtc-572	5	9	enterprises	enterprise	NOUN
ijtc-572	5	10	(	(	PUNCT
ijtc-572	5	11	msmes	msme	NOUN
ijtc-572	5	12	)	)	PUNCT
ijtc-572	5	13	grow	grow	VERB
ijtc-572	5	14	and	and	CCONJ
ijtc-572	5	15	compete	compete	VERB
ijtc-572	5	16	in	in	ADP
ijtc-572	5	17	a	a	DET
ijtc-572	5	18	constantly	constantly	ADV
ijtc-572	5	19	changing	change	VERB
ijtc-572	5	20	business	business	NOUN
ijtc-572	5	21	environment	environment	NOUN
ijtc-572	5	22	such	such	ADJ
ijtc-572	5	23	as	as	ADP
ijtc-572	5	24	the	the	DET
ijtc-572	5	25	current	current	ADJ
ijtc-572	5	26	digital	digital	ADJ
ijtc-572	5	27	era	era	NOUN
ijtc-572	5	28	,	,	PUNCT
ijtc-572	5	29	this	this	DET
ijtc-572	5	30	change	change	NOUN
ijtc-572	5	31	makes	make	VERB
ijtc-572	5	32	micro	micro	ADJ
ijtc-572	5	33	,	,	PUNCT
ijtc-572	5	34	small	small	ADJ
ijtc-572	5	35	and	and	CCONJ
ijtc-572	5	36	medium	medium	ADJ
ijtc-572	5	37	enterprises	enterprise	NOUN
ijtc-572	5	38	(	(	PUNCT
ijtc-572	5	39	msmes	msme	NOUN
ijtc-572	5	40	)	)	PUNCT
ijtc-572	5	41	need	need	VERB
ijtc-572	5	42	follow	follow	NOUN
ijtc-572	5	43	-	-	PUNCT
ijtc-572	5	44	up	up	NOUN
ijtc-572	5	45	for	for	ADP
ijtc-572	5	46	more	more	ADV
ijtc-572	5	47	advanced	advanced	ADJ
ijtc-572	5	48	business	business	NOUN
ijtc-572	5	49	development	development	NOUN
ijtc-572	5	50	.	.	PUNCT
ijtc-572	6	1	many	many	ADJ
ijtc-572	6	2	found	find	VERB
ijtc-572	6	3	that	that	SCONJ
ijtc-572	6	4	micro	micro	NOUN
ijtc-572	6	5	,	,	PUNCT
ijtc-572	6	6	small	small	ADJ
ijtc-572	6	7	and	and	CCONJ
ijtc-572	6	8	medium	medium	ADJ
ijtc-572	6	9	enterprises	enterprise	NOUN
ijtc-572	6	10	(	(	PUNCT
ijtc-572	6	11	msmes	msme	NOUN
ijtc-572	6	12	)	)	PUNCT
ijtc-572	6	13	that	that	PRON
ijtc-572	6	14	have	have	AUX
ijtc-572	6	15	been	be	AUX
ijtc-572	6	16	established	establish	VERB
ijtc-572	6	17	have	have	AUX
ijtc-572	6	18	finally	finally	ADV
ijtc-572	6	19	had	have	VERB
ijtc-572	6	20	to	to	PART
ijtc-572	6	21	stop	stop	VERB
ijtc-572	6	22	operating	operate	VERB
ijtc-572	6	23	due	due	ADP
ijtc-572	6	24	to	to	ADP
ijtc-572	6	25	improper	improper	ADJ
ijtc-572	6	26	management	management	NOUN
ijtc-572	6	27	.	.	PUNCT
ijtc-572	7	1	of	of	ADP
ijtc-572	7	2	course	course	NOUN
ijtc-572	7	3	,	,	PUNCT
ijtc-572	7	4	this	this	PRON
ijtc-572	7	5	is	be	AUX
ijtc-572	7	6	a	a	DET
ijtc-572	7	7	joint	joint	ADJ
ijtc-572	7	8	concern	concern	NOUN
ijtc-572	7	9	considering	consider	VERB
ijtc-572	7	10	that	that	SCONJ
ijtc-572	7	11	micro	micro	NOUN
ijtc-572	7	12	,	,	PUNCT
ijtc-572	7	13	small	small	ADJ
ijtc-572	7	14	and	and	CCONJ
ijtc-572	7	15	medium	medium	ADJ
ijtc-572	7	16	enterprises	enterprise	NOUN
ijtc-572	7	17	(	(	PUNCT
ijtc-572	7	18	msmes	msme	NOUN
ijtc-572	7	19	)	)	PUNCT
ijtc-572	7	20	are	be	AUX
ijtc-572	7	21	the	the	DET
ijtc-572	7	22	heart	heart	NOUN
ijtc-572	7	23	of	of	ADP
ijtc-572	7	24	economic	economic	ADJ
ijtc-572	7	25	development	development	NOUN
ijtc-572	7	26	.	.	PUNCT
ijtc-572	8	1	micro	micro	PROPN
ijtc-572	8	2	,	,	PUNCT
ijtc-572	8	3	small	small	ADJ
ijtc-572	8	4	and	and	CCONJ
ijtc-572	8	5	medium	medium	ADJ
ijtc-572	8	6	enterprises	enterprise	NOUN
ijtc-572	8	7	(	(	PUNCT
ijtc-572	8	8	msmes	msme	NOUN
ijtc-572	8	9	)	)	PUNCT
ijtc-572	8	10	are	be	AUX
ijtc-572	8	11	businesses	business	NOUN
ijtc-572	8	12	with	with	ADP
ijtc-572	8	13	high	high	ADJ
ijtc-572	8	14	gdp	gdp	NOUN
ijtc-572	8	15	contributors	contributor	NOUN
ijtc-572	8	16	and	and	CCONJ
ijtc-572	8	17	also	also	ADV
ijtc-572	8	18	new	new	ADJ
ijtc-572	8	19	job	job	NOUN
ijtc-572	8	20	seekers	seeker	NOUN
ijtc-572	8	21	.	.	PUNCT
ijtc-572	9	1	the	the	DET
ijtc-572	9	2	study	study	NOUN
ijtc-572	9	3	was	be	AUX
ijtc-572	9	4	conducted	conduct	VERB
ijtc-572	9	5	by	by	ADP
ijtc-572	9	6	conducting	conduct	VERB
ijtc-572	9	7	preliminary	preliminary	ADJ
ijtc-572	9	8	observations	observation	NOUN
ijtc-572	9	9	by	by	ADP
ijtc-572	9	10	looking	look	VERB
ijtc-572	9	11	at	at	ADP
ijtc-572	9	12	the	the	DET
ijtc-572	9	13	data	datum	NOUN
ijtc-572	9	14	on	on	ADP
ijtc-572	9	15	the	the	DET
ijtc-572	9	16	number	number	NOUN
ijtc-572	9	17	of	of	ADP
ijtc-572	9	18	micro	micro	NOUN
ijtc-572	9	19	,	,	PUNCT
ijtc-572	9	20	small	small	ADJ
ijtc-572	9	21	and	and	CCONJ
ijtc-572	9	22	medium	medium	ADJ
ijtc-572	9	23	enterprises	enterprise	NOUN
ijtc-572	9	24	(	(	PUNCT
ijtc-572	9	25	msmes	msme	NOUN
ijtc-572	9	26	)	)	PUNCT
ijtc-572	9	27	in	in	ADP
ijtc-572	9	28	lubuklinggau	lubuklinggau	PROPN
ijtc-572	9	29	city	city	NOUN
ijtc-572	9	30	totaling	total	VERB
ijtc-572	9	31	5,303	5,303	NUM
ijtc-572	9	32	registered	register	VERB
ijtc-572	9	33	in	in	ADP
ijtc-572	9	34	lubuklinggau	lubuklinggau	PROPN
ijtc-572	9	35	city	city	PROPN
ijtc-572	9	36	.	.	PUNCT
ijtc-572	10	1	with	with	ADP
ijtc-572	10	2	data	datum	NOUN
ijtc-572	10	3	analysis	analysis	NOUN
ijtc-572	10	4	technique	technique	NOUN
ijtc-572	10	5	use	use	NOUN
ijtc-572	10	6	linear	linear	ADJ
ijtc-572	10	7	regression	regression	NOUN
ijtc-572	10	8	.	.	PUNCT
ijtc-572	11	1	as	as	ADP
ijtc-572	11	2	a	a	DET
ijtc-572	11	3	result	result	NOUN
ijtc-572	11	4	,	,	PUNCT
ijtc-572	11	5	there	there	PRON
ijtc-572	11	6	are	be	VERB
ijtc-572	11	7	significant	significant	ADJ
ijtc-572	11	8	influence	influence	NOUN
ijtc-572	11	9	between	between	ADP
ijtc-572	11	10	the	the	DET
ijtc-572	11	11	variable	variable	NOUN
ijtc-572	11	12	.	.	PUNCT
ijtc-572	12	1	keywords	keyword	NOUN
ijtc-572	12	2	:	:	PUNCT
ijtc-572	12	3	intellectual	intellectual	ADJ
ijtc-572	12	4	capital	capital	NOUN
ijtc-572	12	5	;	;	PUNCT
ijtc-572	12	6	financial	financial	ADJ
ijtc-572	12	7	literacy	literacy	NOUN
ijtc-572	12	8	;	;	PUNCT
ijtc-572	12	9	financial	financial	ADJ
ijtc-572	12	10	inclusion	inclusion	NOUN
ijtc-572	12	11	;	;	PUNCT
ijtc-572	12	12	msme	msme	NOUN
ijtc-572	12	13	.	.	PUNCT
ijtc-572	13	1	this	this	PRON
ijtc-572	13	2	is	be	AUX
ijtc-572	13	3	an	an	DET
ijtc-572	13	4	open	open	ADJ
ijtc-572	13	5	access	access	NOUN
ijtc-572	13	6	article	article	NOUN
ijtc-572	13	7	under	under	ADP
ijtc-572	13	8	the	the	DET
ijtc-572	13	9	cc	cc	NOUN
ijtc-572	13	10	-	-	PUNCT
ijtc-572	13	11	by	by	ADP
ijtc-572	13	12	4.0	4.0	NUM
ijtc-572	13	13	license	license	NOUN
ijtc-572	13	14	.	.	PUNCT
ijtc-572	14	1	introduction	introduction	NOUN
ijtc-572	14	2	micro	micro	PROPN
ijtc-572	14	3	,	,	PUNCT
ijtc-572	14	4	small	small	ADJ
ijtc-572	14	5	and	and	CCONJ
ijtc-572	14	6	medium	medium	ADJ
ijtc-572	14	7	enterprises	enterprise	NOUN
ijtc-572	14	8	(	(	PUNCT
ijtc-572	14	9	msmes	msme	NOUN
ijtc-572	14	10	)	)	PUNCT
ijtc-572	14	11	are	be	AUX
ijtc-572	14	12	the	the	DET
ijtc-572	14	13	drivers	driver	NOUN
ijtc-572	14	14	of	of	ADP
ijtc-572	14	15	the	the	DET
ijtc-572	14	16	country	country	NOUN
ijtc-572	14	17	's	's	PART
ijtc-572	14	18	socio	socio	NOUN
ijtc-572	14	19	-	-	PUNCT
ijtc-572	14	20	economic	economic	ADJ
ijtc-572	14	21	development	development	NOUN
ijtc-572	14	22	as	as	ADP
ijtc-572	14	23	productive	productive	ADJ
ijtc-572	14	24	businesses	business	NOUN
ijtc-572	14	25	that	that	PRON
ijtc-572	14	26	are	be	AUX
ijtc-572	14	27	just	just	ADV
ijtc-572	14	28	developing	develop	VERB
ijtc-572	14	29	and	and	CCONJ
ijtc-572	14	30	the	the	DET
ijtc-572	14	31	forerunners	forerunner	NOUN
ijtc-572	14	32	of	of	ADP
ijtc-572	14	33	future	future	ADJ
ijtc-572	14	34	large	large	ADJ
ijtc-572	14	35	businesses	business	NOUN
ijtc-572	14	36	owned	own	VERB
ijtc-572	14	37	by	by	ADP
ijtc-572	14	38	individuals	individual	NOUN
ijtc-572	14	39	and	and	CCONJ
ijtc-572	14	40	business	business	NOUN
ijtc-572	14	41	entities	entity	NOUN
ijtc-572	14	42	(	(	PUNCT
ijtc-572	14	43	anjaningrum	anjaningrum	PROPN
ijtc-572	14	44	,	,	PUNCT
ijtc-572	14	45	2020	2020	NUM
ijtc-572	14	46	;	;	PUNCT
ijtc-572	14	47	chatterjee	chatterjee	PROPN
ijtc-572	14	48	et	et	PROPN
ijtc-572	14	49	al	al	PROPN
ijtc-572	14	50	.	.	PROPN
ijtc-572	14	51	,	,	PUNCT
ijtc-572	14	52	2022	2022	NUM
ijtc-572	14	53	;	;	PUNCT
ijtc-572	14	54	haron	haron	PROPN
ijtc-572	14	55	et	et	PROPN
ijtc-572	14	56	al	al	PROPN
ijtc-572	14	57	.	.	PROPN
ijtc-572	14	58	,	,	PUNCT
ijtc-572	14	59	2013	2013	NUM
ijtc-572	14	60	;	;	PUNCT
ijtc-572	14	61	putra	putra	PROPN
ijtc-572	14	62	,	,	PUNCT
ijtc-572	14	63	2018	2018	NUM
ijtc-572	14	64	)	)	PUNCT
ijtc-572	14	65	.	.	PUNCT
ijtc-572	15	1	the	the	DET
ijtc-572	15	2	economic	economic	ADJ
ijtc-572	15	3	crisis	crisis	NOUN
ijtc-572	15	4	of	of	ADP
ijtc-572	15	5	the	the	DET
ijtc-572	15	6	1990s	1990	NOUN
ijtc-572	15	7	showed	show	VERB
ijtc-572	15	8	that	that	SCONJ
ijtc-572	15	9	micro	micro	NOUN
ijtc-572	15	10	,	,	PUNCT
ijtc-572	15	11	small	small	ADJ
ijtc-572	15	12	and	and	CCONJ
ijtc-572	15	13	medium	medium	ADJ
ijtc-572	15	14	enterprises	enterprise	NOUN
ijtc-572	15	15	(	(	PUNCT
ijtc-572	15	16	msmes	msmes	PROPN
ijtc-572	15	17	)	)	PUNCT
ijtc-572	15	18	continued	continue	VERB
ijtc-572	15	19	to	to	PART
ijtc-572	15	20	grow	grow	VERB
ijtc-572	15	21	and	and	CCONJ
ijtc-572	15	22	became	become	VERB
ijtc-572	15	23	supporters	supporter	NOUN
ijtc-572	15	24	in	in	ADP
ijtc-572	15	25	increasing	increase	VERB
ijtc-572	15	26	gross	gross	ADJ
ijtc-572	15	27	domestic	domestic	ADJ
ijtc-572	15	28	product	product	NOUN
ijtc-572	15	29	(	(	PUNCT
ijtc-572	15	30	gdp	gdp	NOUN
ijtc-572	15	31	)	)	PUNCT
ijtc-572	15	32	and	and	CCONJ
ijtc-572	15	33	employment	employment	NOUN
ijtc-572	15	34	.	.	PUNCT
ijtc-572	16	1	the	the	DET
ijtc-572	16	2	development	development	NOUN
ijtc-572	16	3	of	of	ADP
ijtc-572	16	4	micro	micro	PROPN
ijtc-572	16	5	,	,	PUNCT
ijtc-572	16	6	small	small	ADJ
ijtc-572	16	7	and	and	CCONJ
ijtc-572	16	8	medium	medium	ADJ
ijtc-572	16	9	enterprises	enterprise	NOUN
ijtc-572	16	10	(	(	PUNCT
ijtc-572	16	11	msmes	msme	NOUN
ijtc-572	16	12	)	)	PUNCT
ijtc-572	16	13	is	be	AUX
ijtc-572	16	14	consistently	consistently	ADV
ijtc-572	16	15	a	a	DET
ijtc-572	16	16	top	top	ADJ
ijtc-572	16	17	priority	priority	NOUN
ijtc-572	16	18	for	for	ADP
ijtc-572	16	19	the	the	DET
ijtc-572	16	20	government	government	NOUN
ijtc-572	16	21	because	because	SCONJ
ijtc-572	16	22	it	it	PRON
ijtc-572	16	23	is	be	AUX
ijtc-572	16	24	considered	consider	VERB
ijtc-572	16	25	capable	capable	ADJ
ijtc-572	16	26	of	of	ADP
ijtc-572	16	27	providing	provide	VERB
ijtc-572	16	28	benefits	benefit	NOUN
ijtc-572	16	29	to	to	ADP
ijtc-572	16	30	the	the	DET
ijtc-572	16	31	welfare	welfare	NOUN
ijtc-572	16	32	of	of	ADP
ijtc-572	16	33	the	the	DET
ijtc-572	16	34	community	community	NOUN
ijtc-572	16	35	(	(	PUNCT
ijtc-572	16	36	anas	anas	PROPN
ijtc-572	16	37	et	et	PROPN
ijtc-572	16	38	al	al	PROPN
ijtc-572	16	39	.	.	PROPN
ijtc-572	16	40	,	,	PUNCT
ijtc-572	16	41	2017	2017	NUM
ijtc-572	16	42	;	;	PUNCT
ijtc-572	16	43	shafi	shafi	PROPN
ijtc-572	16	44	et	et	PROPN
ijtc-572	16	45	al	al	PROPN
ijtc-572	16	46	.	.	PROPN
ijtc-572	16	47	,	,	PUNCT
ijtc-572	16	48	2020	2020	NUM
ijtc-572	16	49	;	;	PUNCT
ijtc-572	16	50	srijani	srijani	NOUN
ijtc-572	16	51	,	,	PUNCT
ijtc-572	16	52	2020	2020	NUM
ijtc-572	16	53	;	;	PUNCT
ijtc-572	16	54	trinh	trinh	PROPN
ijtc-572	16	55	et	et	PROPN
ijtc-572	16	56	al	al	PROPN
ijtc-572	16	57	.	.	PROPN
ijtc-572	16	58	,	,	PUNCT
ijtc-572	16	59	2020	2020	NUM
ijtc-572	16	60	)	)	PUNCT
ijtc-572	16	61	the	the	DET
ijtc-572	16	62	advantage	advantage	NOUN
ijtc-572	16	63	of	of	ADP
ijtc-572	16	64	micro	micro	NOUN
ijtc-572	16	65	,	,	PUNCT
ijtc-572	16	66	small	small	ADJ
ijtc-572	16	67	and	and	CCONJ
ijtc-572	16	68	medium	medium	ADJ
ijtc-572	16	69	enterprises	enterprise	NOUN
ijtc-572	16	70	(	(	PUNCT
ijtc-572	16	71	msmes	msme	NOUN
ijtc-572	16	72	)	)	PUNCT
ijtc-572	16	73	in	in	ADP
ijtc-572	16	74	indonesia	indonesia	PROPN
ijtc-572	16	75	is	be	AUX
ijtc-572	16	76	that	that	SCONJ
ijtc-572	16	77	they	they	PRON
ijtc-572	16	78	provide	provide	VERB
ijtc-572	16	79	a	a	DET
ijtc-572	16	80	large	large	ADJ
ijtc-572	16	81	contribution	contribution	NOUN
ijtc-572	16	82	to	to	ADP
ijtc-572	16	83	gdp	gdp	NOUN
ijtc-572	16	84	for	for	ADP
ijtc-572	16	85	the	the	DET
ijtc-572	16	86	country	country	NOUN
ijtc-572	16	87	and	and	CCONJ
ijtc-572	16	88	can	can	AUX
ijtc-572	16	89	absorb	absorb	VERB
ijtc-572	16	90	labor	labor	NOUN
ijtc-572	16	91	(	(	PUNCT
ijtc-572	16	92	janita	janita	PROPN
ijtc-572	16	93	&	&	CCONJ
ijtc-572	16	94	chong	chong	PROPN
ijtc-572	16	95	,	,	PUNCT
ijtc-572	16	96	2013	2013	NUM
ijtc-572	16	97	;	;	PUNCT
ijtc-572	16	98	kumala	kumala	PROPN
ijtc-572	16	99	&	&	CCONJ
ijtc-572	16	100	junaidi	junaidi	PROPN
ijtc-572	16	101	,	,	PUNCT
ijtc-572	16	102	2020	2020	NUM
ijtc-572	16	103	;	;	PUNCT
ijtc-572	16	104	rahayu	rahayu	PROPN
ijtc-572	16	105	&	&	CCONJ
ijtc-572	16	106	day	day	PROPN
ijtc-572	16	107	,	,	PUNCT
ijtc-572	16	108	2015	2015	NUM
ijtc-572	16	109	;	;	PUNCT
ijtc-572	16	110	sisilia	sisilia	NOUN
ijtc-572	16	111	et	et	PROPN
ijtc-572	16	112	al	al	PROPN
ijtc-572	16	113	.	.	PROPN
ijtc-572	16	114	,	,	PUNCT
ijtc-572	16	115	2015	2015	NUM
ijtc-572	16	116	)	)	PUNCT
ijtc-572	16	117	.	.	PUNCT
ijtc-572	17	1	however	however	ADV
ijtc-572	17	2	,	,	PUNCT
ijtc-572	17	3	the	the	DET
ijtc-572	17	4	fact	fact	NOUN
ijtc-572	17	5	is	be	AUX
ijtc-572	17	6	that	that	SCONJ
ijtc-572	17	7	mailto:dheo_rimbano@univbinainsan.ac.id	mailto:dheo_rimbano@univbinainsan.ac.id	PROPN
ijtc-572	17	8	https://doi.org/10.52728/ijtc.v3i4.572	https://doi.org/10.52728/ijtc.v3i4.572	PROPN
ijtc-572	17	9	influence	influence	PROPN
ijtc-572	17	10	financial	financial	ADJ
ijtc-572	17	11	technology	technology	NOUN
ijtc-572	17	12	,	,	PUNCT
ijtc-572	17	13	financial	financial	ADJ
ijtc-572	17	14	literacy	literacy	NOUN
ijtc-572	17	15	,	,	PUNCT
ijtc-572	17	16	and	and	CCONJ
ijtc-572	17	17	intellectual	intellectual	ADJ
ijtc-572	17	18	capital	capital	NOUN
ijtc-572	17	19	on	on	ADP
ijtc-572	17	20	financial	financial	ADJ
ijtc-572	17	21	inclusion	inclusion	NOUN
ijtc-572	17	22	in	in	ADP
ijtc-572	17	23	micro	micro	PROPN
ijtc-572	17	24	,	,	PUNCT
ijtc-572	17	25	small	small	ADJ
ijtc-572	17	26	and	and	CCONJ
ijtc-572	17	27	medium	medium	ADJ
ijtc-572	17	28	enterprises	enterprise	NOUN
ijtc-572	17	29	(	(	PUNCT
ijtc-572	17	30	msmes	msmes	PROPN
ijtc-572	17	31	)	)	PUNCT
ijtc-572	17	32	martini	martini	NOUN
ijtc-572	17	33	,	,	PUNCT
ijtc-572	17	34	triharyati	triharyati	NOUN
ijtc-572	17	35	,	,	PUNCT
ijtc-572	17	36	and	and	CCONJ
ijtc-572	17	37	rimbano	rimbano	VERB
ijtc-572	17	38	409	409	NUM
ijtc-572	17	39	|	|	NOUN
ijtc-572	17	40	ilomata	ilomata	NOUN
ijtc-572	17	41	international	international	ADJ
ijtc-572	17	42	journal	journal	NOUN
ijtc-572	17	43	of	of	ADP
ijtc-572	17	44	tax	tax	PROPN
ijtc-572	17	45	&	&	CCONJ
ijtc-572	17	46	accounting	accounting	PROPN
ijtc-572	17	47	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-572	17	48	micro	micro	PROPN
ijtc-572	17	49	,	,	PUNCT
ijtc-572	17	50	small	small	ADJ
ijtc-572	17	51	and	and	CCONJ
ijtc-572	17	52	medium	medium	ADJ
ijtc-572	17	53	enterprises	enterprise	NOUN
ijtc-572	17	54	(	(	PUNCT
ijtc-572	17	55	msmes	msme	NOUN
ijtc-572	17	56	)	)	PUNCT
ijtc-572	17	57	in	in	ADP
ijtc-572	17	58	indonesia	indonesia	PROPN
ijtc-572	17	59	are	be	AUX
ijtc-572	17	60	still	still	ADV
ijtc-572	17	61	lacking	lack	VERB
ijtc-572	17	62	in	in	ADP
ijtc-572	17	63	building	build	VERB
ijtc-572	17	64	financial	financial	ADJ
ijtc-572	17	65	stability	stability	NOUN
ijtc-572	17	66	such	such	ADJ
ijtc-572	17	67	as	as	ADP
ijtc-572	17	68	access	access	NOUN
ijtc-572	17	69	to	to	ADP
ijtc-572	17	70	capital	capital	NOUN
ijtc-572	17	71	,	,	PUNCT
ijtc-572	17	72	competent	competent	ADJ
ijtc-572	17	73	human	human	ADJ
ijtc-572	17	74	resources	resource	NOUN
ijtc-572	17	75	(	(	PUNCT
ijtc-572	17	76	hr	hr	NOUN
ijtc-572	17	77	)	)	PUNCT
ijtc-572	17	78	to	to	PART
ijtc-572	17	79	use	use	VERB
ijtc-572	17	80	advanced	advanced	ADJ
ijtc-572	17	81	technology	technology	NOUN
ijtc-572	17	82	,	,	PUNCT
ijtc-572	17	83	and	and	CCONJ
ijtc-572	17	84	not	not	PART
ijtc-572	17	85	many	many	ADJ
ijtc-572	17	86	have	have	AUX
ijtc-572	17	87	evaluated	evaluate	VERB
ijtc-572	17	88	management	management	NOUN
ijtc-572	17	89	performance	performance	NOUN
ijtc-572	17	90	in	in	ADP
ijtc-572	17	91	facing	face	VERB
ijtc-572	17	92	challenges	challenge	NOUN
ijtc-572	17	93	(	(	PUNCT
ijtc-572	17	94	muhammad	muhammad	PROPN
ijtc-572	17	95	et	et	PROPN
ijtc-572	17	96	al	al	PROPN
ijtc-572	17	97	.	.	PROPN
ijtc-572	17	98	,	,	PUNCT
ijtc-572	17	99	2009	2009	NUM
ijtc-572	17	100	)	)	PUNCT
ijtc-572	17	101	the	the	DET
ijtc-572	17	102	growth	growth	NOUN
ijtc-572	17	103	of	of	ADP
ijtc-572	17	104	micro	micro	NOUN
ijtc-572	17	105	,	,	PUNCT
ijtc-572	17	106	small	small	ADJ
ijtc-572	17	107	and	and	CCONJ
ijtc-572	17	108	medium	medium	ADJ
ijtc-572	17	109	enterprises	enterprise	NOUN
ijtc-572	17	110	(	(	PUNCT
ijtc-572	17	111	msmes	msme	NOUN
ijtc-572	17	112	)	)	PUNCT
ijtc-572	17	113	can	can	AUX
ijtc-572	17	114	be	be	AUX
ijtc-572	17	115	measured	measure	VERB
ijtc-572	17	116	from	from	ADP
ijtc-572	17	117	a	a	DET
ijtc-572	17	118	qualitative	qualitative	ADJ
ijtc-572	17	119	perspective	perspective	NOUN
ijtc-572	17	120	through	through	ADP
ijtc-572	17	121	the	the	DET
ijtc-572	17	122	company	company	NOUN
ijtc-572	17	123	's	's	PART
ijtc-572	17	124	subjective	subjective	ADJ
ijtc-572	17	125	attributes	attribute	NOUN
ijtc-572	17	126	such	such	ADJ
ijtc-572	17	127	as	as	ADP
ijtc-572	17	128	increasing	increase	VERB
ijtc-572	17	129	the	the	DET
ijtc-572	17	130	quality	quality	NOUN
ijtc-572	17	131	of	of	ADP
ijtc-572	17	132	output	output	NOUN
ijtc-572	17	133	and	and	CCONJ
ijtc-572	17	134	depicting	depict	VERB
ijtc-572	17	135	a	a	DET
ijtc-572	17	136	positive	positive	ADJ
ijtc-572	17	137	product	product	NOUN
ijtc-572	17	138	image	image	NOUN
ijtc-572	17	139	.	.	PUNCT
ijtc-572	18	1	quantitative	quantitative	ADJ
ijtc-572	18	2	perspective	perspective	NOUN
ijtc-572	18	3	is	be	AUX
ijtc-572	18	4	also	also	ADV
ijtc-572	18	5	considered	consider	VERB
ijtc-572	18	6	in	in	ADP
ijtc-572	18	7	measurable	measurable	ADJ
ijtc-572	18	8	indicators	indicator	NOUN
ijtc-572	18	9	such	such	ADJ
ijtc-572	18	10	as	as	ADP
ijtc-572	18	11	increase	increase	NOUN
ijtc-572	18	12	in	in	ADP
ijtc-572	18	13	number	number	NOUN
ijtc-572	18	14	of	of	ADP
ijtc-572	18	15	employees	employee	NOUN
ijtc-572	18	16	,	,	PUNCT
ijtc-572	18	17	sales	sale	NOUN
ijtc-572	18	18	revenue	revenue	NOUN
ijtc-572	18	19	and	and	CCONJ
ijtc-572	18	20	profitability	profitability	NOUN
ijtc-572	18	21	(	(	PUNCT
ijtc-572	18	22	nkwabi	nkwabi	NOUN
ijtc-572	18	23	&	&	CCONJ
ijtc-572	18	24	mboya	mboya	PROPN
ijtc-572	18	25	,	,	PUNCT
ijtc-572	18	26	2019	2019	NUM
ijtc-572	18	27	)	)	PUNCT
ijtc-572	18	28	.	.	PUNCT
ijtc-572	19	1	qualitative	qualitative	ADJ
ijtc-572	19	2	and	and	CCONJ
ijtc-572	19	3	quantitative	quantitative	ADJ
ijtc-572	19	4	perspectives	perspective	NOUN
ijtc-572	19	5	on	on	ADP
ijtc-572	19	6	micro	micro	ADJ
ijtc-572	19	7	,	,	PUNCT
ijtc-572	19	8	small	small	ADJ
ijtc-572	19	9	and	and	CCONJ
ijtc-572	19	10	medium	medium	ADJ
ijtc-572	19	11	enterprises	enterprise	NOUN
ijtc-572	19	12	(	(	PUNCT
ijtc-572	19	13	msmes	msme	NOUN
ijtc-572	19	14	)	)	PUNCT
ijtc-572	19	15	can	can	AUX
ijtc-572	19	16	be	be	AUX
ijtc-572	19	17	optimized	optimize	VERB
ijtc-572	19	18	so	so	SCONJ
ijtc-572	19	19	that	that	SCONJ
ijtc-572	19	20	the	the	DET
ijtc-572	19	21	business	business	NOUN
ijtc-572	19	22	runs	run	VERB
ijtc-572	19	23	smoothly	smoothly	ADV
ijtc-572	19	24	and	and	CCONJ
ijtc-572	19	25	maintains	maintain	VERB
ijtc-572	19	26	sustainability	sustainability	NOUN
ijtc-572	19	27	.	.	PUNCT
ijtc-572	20	1	micro	micro	PROPN
ijtc-572	20	2	,	,	PUNCT
ijtc-572	20	3	small	small	ADJ
ijtc-572	20	4	and	and	CCONJ
ijtc-572	20	5	medium	medium	ADJ
ijtc-572	20	6	enterprises	enterprise	NOUN
ijtc-572	20	7	(	(	PUNCT
ijtc-572	20	8	msmes	msme	NOUN
ijtc-572	20	9	)	)	PUNCT
ijtc-572	20	10	are	be	AUX
ijtc-572	20	11	optimistic	optimistic	ADJ
ijtc-572	20	12	about	about	ADP
ijtc-572	20	13	their	their	PRON
ijtc-572	20	14	growing	grow	VERB
ijtc-572	20	15	business	business	NOUN
ijtc-572	20	16	,	,	PUNCT
ijtc-572	20	17	thus	thus	ADV
ijtc-572	20	18	achieving	achieve	VERB
ijtc-572	20	19	competitive	competitive	ADJ
ijtc-572	20	20	advantage	advantage	NOUN
ijtc-572	20	21	.	.	PUNCT
ijtc-572	21	1	this	this	DET
ijtc-572	21	2	achievement	achievement	NOUN
ijtc-572	21	3	can	can	AUX
ijtc-572	21	4	not	not	PART
ijtc-572	21	5	be	be	AUX
ijtc-572	21	6	directly	directly	ADV
ijtc-572	21	7	achieved	achieve	VERB
ijtc-572	21	8	without	without	ADP
ijtc-572	21	9	actors	actor	NOUN
ijtc-572	21	10	who	who	PRON
ijtc-572	21	11	have	have	VERB
ijtc-572	21	12	an	an	DET
ijtc-572	21	13	understanding	understanding	NOUN
ijtc-572	21	14	of	of	ADP
ijtc-572	21	15	financial	financial	ADJ
ijtc-572	21	16	literacy	literacy	NOUN
ijtc-572	21	17	and	and	CCONJ
ijtc-572	21	18	utilize	utilize	VERB
ijtc-572	21	19	technology	technology	NOUN
ijtc-572	21	20	along	along	ADP
ijtc-572	21	21	with	with	ADP
ijtc-572	21	22	the	the	DET
ijtc-572	21	23	times	time	NOUN
ijtc-572	21	24	and	and	CCONJ
ijtc-572	21	25	utilize	utilize	VERB
ijtc-572	21	26	intellectual	intellectual	ADJ
ijtc-572	21	27	capital	capital	NOUN
ijtc-572	21	28	(	(	PUNCT
ijtc-572	21	29	leitner	leitner	NOUN
ijtc-572	21	30	,	,	PUNCT
ijtc-572	21	31	2011	2011	NUM
ijtc-572	21	32	)	)	PUNCT
ijtc-572	21	33	.	.	PUNCT
ijtc-572	22	1	the	the	DET
ijtc-572	22	2	2019	2019	NUM
ijtc-572	22	3	national	national	ADJ
ijtc-572	22	4	financial	financial	ADJ
ijtc-572	22	5	literacy	literacy	NOUN
ijtc-572	22	6	and	and	CCONJ
ijtc-572	22	7	inclusion	inclusion	NOUN
ijtc-572	22	8	survey	survey	NOUN
ijtc-572	22	9	(	(	PUNCT
ijtc-572	22	10	snlik	snlik	NOUN
ijtc-572	22	11	)	)	PUNCT
ijtc-572	22	12	showed	show	VERB
ijtc-572	22	13	a	a	DET
ijtc-572	22	14	financial	financial	ADJ
ijtc-572	22	15	literacy	literacy	NOUN
ijtc-572	22	16	index	index	NOUN
ijtc-572	22	17	of	of	ADP
ijtc-572	22	18	38.03	38.03	NUM
ijtc-572	22	19	%	%	NOUN
ijtc-572	22	20	and	and	CCONJ
ijtc-572	22	21	a	a	DET
ijtc-572	22	22	financial	financial	ADJ
ijtc-572	22	23	inclusion	inclusion	NOUN
ijtc-572	22	24	index	index	NOUN
ijtc-572	22	25	of	of	ADP
ijtc-572	22	26	76.19	76.19	NUM
ijtc-572	22	27	%	%	NOUN
ijtc-572	22	28	.	.	PUNCT
ijtc-572	23	1	this	this	PRON
ijtc-572	23	2	shows	show	VERB
ijtc-572	23	3	that	that	SCONJ
ijtc-572	23	4	the	the	DET
ijtc-572	23	5	indonesian	indonesian	ADJ
ijtc-572	23	6	people	people	NOUN
ijtc-572	23	7	in	in	ADP
ijtc-572	23	8	general	general	ADJ
ijtc-572	23	9	do	do	AUX
ijtc-572	23	10	not	not	PART
ijtc-572	23	11	understand	understand	VERB
ijtc-572	23	12	well	well	INTJ
ijtc-572	23	13	the	the	DET
ijtc-572	23	14	characteristics	characteristic	NOUN
ijtc-572	23	15	of	of	ADP
ijtc-572	23	16	various	various	ADJ
ijtc-572	23	17	financial	financial	ADJ
ijtc-572	23	18	products	product	NOUN
ijtc-572	23	19	and	and	CCONJ
ijtc-572	23	20	services	service	NOUN
ijtc-572	23	21	offered	offer	VERB
ijtc-572	23	22	by	by	ADP
ijtc-572	23	23	formal	formal	ADJ
ijtc-572	23	24	financial	financial	ADJ
ijtc-572	23	25	services	service	NOUN
ijtc-572	23	26	institutions	institution	NOUN
ijtc-572	23	27	,	,	PUNCT
ijtc-572	23	28	even	even	ADV
ijtc-572	23	29	though	though	SCONJ
ijtc-572	23	30	financial	financial	ADJ
ijtc-572	23	31	literacy	literacy	NOUN
ijtc-572	23	32	is	be	AUX
ijtc-572	23	33	an	an	DET
ijtc-572	23	34	important	important	ADJ
ijtc-572	23	35	skill	skill	NOUN
ijtc-572	23	36	in	in	ADP
ijtc-572	23	37	the	the	DET
ijtc-572	23	38	context	context	NOUN
ijtc-572	23	39	of	of	ADP
ijtc-572	23	40	community	community	NOUN
ijtc-572	23	41	empowerment	empowerment	NOUN
ijtc-572	23	42	,	,	PUNCT
ijtc-572	23	43	individual	individual	ADJ
ijtc-572	23	44	welfare	welfare	NOUN
ijtc-572	23	45	,	,	PUNCT
ijtc-572	23	46	consumer	consumer	NOUN
ijtc-572	23	47	protection	protection	NOUN
ijtc-572	23	48	,	,	PUNCT
ijtc-572	23	49	and	and	CCONJ
ijtc-572	23	50	increasing	increase	VERB
ijtc-572	23	51	financial	financial	ADJ
ijtc-572	23	52	inclusion	inclusion	NOUN
ijtc-572	23	53	(	(	PUNCT
ijtc-572	23	54	otoritas	otoritas	PROPN
ijtc-572	23	55	jasa	jasa	PROPN
ijtc-572	23	56	keuangan	keuangan	PROPN
ijtc-572	23	57	,	,	PUNCT
ijtc-572	23	58	2020	2020	NUM
ijtc-572	23	59	)	)	PUNCT
ijtc-572	23	60	minimal	minimal	ADJ
ijtc-572	23	61	financial	financial	ADJ
ijtc-572	23	62	literacy	literacy	NOUN
ijtc-572	23	63	has	have	AUX
ijtc-572	23	64	resulted	result	VERB
ijtc-572	23	65	in	in	ADP
ijtc-572	23	66	low	low	ADJ
ijtc-572	23	67	financial	financial	ADJ
ijtc-572	23	68	inclusion	inclusion	NOUN
ijtc-572	23	69	and	and	CCONJ
ijtc-572	23	70	vice	vice	ADV
ijtc-572	23	71	versa	versa	ADV
ijtc-572	23	72	(	(	PUNCT
ijtc-572	23	73	martini	martini	NOUN
ijtc-572	23	74	et	et	PROPN
ijtc-572	23	75	al	al	PROPN
ijtc-572	23	76	.	.	PROPN
ijtc-572	23	77	,	,	PUNCT
ijtc-572	23	78	2021	2021	NUM
ijtc-572	23	79	)	)	PUNCT
ijtc-572	23	80	.	.	PUNCT
ijtc-572	24	1	the	the	DET
ijtc-572	24	2	need	need	NOUN
ijtc-572	24	3	for	for	ADP
ijtc-572	24	4	a	a	DET
ijtc-572	24	5	good	good	ADJ
ijtc-572	24	6	understanding	understanding	NOUN
ijtc-572	24	7	of	of	ADP
ijtc-572	24	8	literacy	literacy	NOUN
ijtc-572	24	9	certainly	certainly	ADV
ijtc-572	24	10	reduces	reduce	VERB
ijtc-572	24	11	the	the	DET
ijtc-572	24	12	risk	risk	NOUN
ijtc-572	24	13	of	of	ADP
ijtc-572	24	14	using	use	VERB
ijtc-572	24	15	fintech	fintech	NOUN
ijtc-572	24	16	and	and	CCONJ
ijtc-572	24	17	increases	increase	VERB
ijtc-572	24	18	public	public	ADJ
ijtc-572	24	19	financial	financial	ADJ
ijtc-572	24	20	inclusion	inclusion	NOUN
ijtc-572	24	21	(	(	PUNCT
ijtc-572	24	22	sulistiyarini	sulistiyarini	PROPN
ijtc-572	24	23	,	,	PUNCT
ijtc-572	24	24	2012	2012	NUM
ijtc-572	24	25	)	)	PUNCT
ijtc-572	24	26	.	.	PUNCT
ijtc-572	25	1	financial	financial	ADJ
ijtc-572	25	2	technology	technology	NOUN
ijtc-572	25	3	and	and	CCONJ
ijtc-572	25	4	financial	financial	ADJ
ijtc-572	25	5	inclusion	inclusion	NOUN
ijtc-572	25	6	are	be	AUX
ijtc-572	25	7	external	external	ADJ
ijtc-572	25	8	factors	factor	NOUN
ijtc-572	25	9	in	in	ADP
ijtc-572	25	10	viewing	view	VERB
ijtc-572	25	11	the	the	DET
ijtc-572	25	12	understanding	understanding	NOUN
ijtc-572	25	13	of	of	ADP
ijtc-572	25	14	financial	financial	ADJ
ijtc-572	25	15	literacy	literacy	NOUN
ijtc-572	25	16	.	.	PUNCT
ijtc-572	26	1	understanding	understanding	NOUN
ijtc-572	26	2	of	of	ADP
ijtc-572	26	3	financial	financial	ADJ
ijtc-572	26	4	technology	technology	NOUN
ijtc-572	26	5	on	on	ADP
ijtc-572	26	6	financial	financial	ADJ
ijtc-572	26	7	literacy	literacy	NOUN
ijtc-572	26	8	and	and	CCONJ
ijtc-572	26	9	financial	financial	ADJ
ijtc-572	26	10	inclusion	inclusion	NOUN
ijtc-572	26	11	has	have	VERB
ijtc-572	26	12	a	a	DET
ijtc-572	26	13	positive	positive	ADJ
ijtc-572	26	14	effect	effect	NOUN
ijtc-572	26	15	as	as	SCONJ
ijtc-572	26	16	evidenced	evidence	VERB
ijtc-572	26	17	by	by	ADP
ijtc-572	26	18	financial	financial	ADJ
ijtc-572	26	19	technology	technology	NOUN
ijtc-572	26	20	-	-	PUNCT
ijtc-572	26	21	based	base	VERB
ijtc-572	26	22	financial	financial	ADJ
ijtc-572	26	23	services	service	NOUN
ijtc-572	26	24	that	that	PRON
ijtc-572	26	25	are	be	AUX
ijtc-572	26	26	needed	need	VERB
ijtc-572	26	27	by	by	ADP
ijtc-572	26	28	the	the	DET
ijtc-572	26	29	public	public	NOUN
ijtc-572	26	30	to	to	PART
ijtc-572	26	31	broaden	broaden	VERB
ijtc-572	26	32	their	their	PRON
ijtc-572	26	33	horizons	horizon	NOUN
ijtc-572	26	34	regarding	regard	VERB
ijtc-572	26	35	financial	financial	ADJ
ijtc-572	26	36	literacy	literacy	NOUN
ijtc-572	26	37	and	and	CCONJ
ijtc-572	26	38	financial	financial	ADJ
ijtc-572	26	39	inclusion	inclusion	NOUN
ijtc-572	26	40	(	(	PUNCT
ijtc-572	26	41	mulasiwi	mulasiwi	NOUN
ijtc-572	26	42	&	&	CCONJ
ijtc-572	26	43	julialevi	julialevi	PROPN
ijtc-572	26	44	,	,	PUNCT
ijtc-572	26	45	2020	2020	NUM
ijtc-572	26	46	)	)	PUNCT
ijtc-572	26	47	.	.	PUNCT
ijtc-572	27	1	this	this	DET
ijtc-572	27	2	research	research	NOUN
ijtc-572	27	3	has	have	AUX
ijtc-572	27	4	been	be	AUX
ijtc-572	27	5	carried	carry	VERB
ijtc-572	27	6	out	out	ADP
ijtc-572	27	7	previously	previously	ADV
ijtc-572	27	8	which	which	PRON
ijtc-572	27	9	states	state	VERB
ijtc-572	27	10	a	a	DET
ijtc-572	27	11	significant	significant	ADJ
ijtc-572	27	12	positive	positive	ADJ
ijtc-572	27	13	relationship	relationship	NOUN
ijtc-572	27	14	between	between	ADP
ijtc-572	27	15	these	these	DET
ijtc-572	27	16	variables	variable	NOUN
ijtc-572	27	17	(	(	PUNCT
ijtc-572	27	18	martini	martini	X
ijtc-572	27	19	et	et	PROPN
ijtc-572	27	20	al	al	PROPN
ijtc-572	27	21	.	.	PROPN
ijtc-572	27	22	,	,	PUNCT
ijtc-572	27	23	2021	2021	NUM
ijtc-572	27	24	)	)	PUNCT
ijtc-572	27	25	;	;	PUNCT
ijtc-572	27	26	(	(	PUNCT
ijtc-572	27	27	marginingsih	marginingsih	NOUN
ijtc-572	27	28	,	,	PUNCT
ijtc-572	27	29	2021	2021	NUM
ijtc-572	27	30	)	)	PUNCT
ijtc-572	27	31	;	;	PUNCT
ijtc-572	27	32	(	(	PUNCT
ijtc-572	27	33	marini	marini	PROPN
ijtc-572	27	34	et	et	PROPN
ijtc-572	27	35	al	al	PROPN
ijtc-572	27	36	.	.	PROPN
ijtc-572	27	37	,	,	PUNCT
ijtc-572	27	38	2020	2020	NUM
ijtc-572	27	39	)	)	PUNCT
ijtc-572	27	40	;	;	PUNCT
ijtc-572	27	41	(	(	PUNCT
ijtc-572	27	42	dewi	dewi	PROPN
ijtc-572	27	43	,	,	PUNCT
ijtc-572	27	44	2020	2020	NUM
ijtc-572	27	45	)	)	PUNCT
ijtc-572	27	46	;	;	PUNCT
ijtc-572	27	47	(	(	PUNCT
ijtc-572	27	48	sulistiyarini	sulistiyarini	PROPN
ijtc-572	27	49	,	,	PUNCT
ijtc-572	27	50	2012	2012	NUM
ijtc-572	27	51	)	)	PUNCT
ijtc-572	27	52	.	.	PUNCT
ijtc-572	28	1	there	there	PRON
ijtc-572	28	2	are	be	VERB
ijtc-572	28	3	other	other	ADJ
ijtc-572	28	4	factors	factor	NOUN
ijtc-572	28	5	that	that	PRON
ijtc-572	28	6	are	be	AUX
ijtc-572	28	7	thought	think	VERB
ijtc-572	28	8	to	to	PART
ijtc-572	28	9	have	have	VERB
ijtc-572	28	10	an	an	DET
ijtc-572	28	11	effect	effect	NOUN
ijtc-572	28	12	on	on	ADP
ijtc-572	28	13	intellectual	intellectual	ADJ
ijtc-572	28	14	capital	capital	NOUN
ijtc-572	28	15	in	in	ADP
ijtc-572	28	16	micro	micro	PROPN
ijtc-572	28	17	,	,	PUNCT
ijtc-572	28	18	small	small	ADJ
ijtc-572	28	19	and	and	CCONJ
ijtc-572	28	20	medium	medium	ADJ
ijtc-572	28	21	enterprises	enterprise	NOUN
ijtc-572	28	22	(	(	PUNCT
ijtc-572	28	23	msmes	msmes	PROPN
ijtc-572	28	24	)	)	PUNCT
ijtc-572	28	25	,	,	PUNCT
ijtc-572	28	26	namely	namely	ADV
ijtc-572	28	27	financial	financial	ADJ
ijtc-572	28	28	inclusion	inclusion	NOUN
ijtc-572	28	29	.	.	PUNCT
ijtc-572	29	1	intellectual	intellectual	ADJ
ijtc-572	29	2	capital	capital	NOUN
ijtc-572	29	3	is	be	AUX
ijtc-572	29	4	a	a	DET
ijtc-572	29	5	company	company	NOUN
ijtc-572	29	6	resource	resource	NOUN
ijtc-572	29	7	that	that	PRON
ijtc-572	29	8	is	be	AUX
ijtc-572	29	9	categorized	categorize	VERB
ijtc-572	29	10	as	as	ADP
ijtc-572	29	11	intangible	intangible	ADJ
ijtc-572	29	12	assets	asset	NOUN
ijtc-572	29	13	that	that	PRON
ijtc-572	29	14	can	can	AUX
ijtc-572	29	15	be	be	AUX
ijtc-572	29	16	developed	develop	VERB
ijtc-572	29	17	from	from	ADP
ijtc-572	29	18	human	human	ADJ
ijtc-572	29	19	resources	resource	NOUN
ijtc-572	29	20	(	(	PUNCT
ijtc-572	29	21	leitner	leitner	NOUN
ijtc-572	29	22	,	,	PUNCT
ijtc-572	29	23	2011	2011	NUM
ijtc-572	29	24	)	)	PUNCT
ijtc-572	29	25	.	.	PUNCT
ijtc-572	30	1	intellectual	intellectual	ADJ
ijtc-572	30	2	capital	capital	NOUN
ijtc-572	30	3	is	be	AUX
ijtc-572	30	4	one	one	NUM
ijtc-572	30	5	of	of	ADP
ijtc-572	30	6	the	the	DET
ijtc-572	30	7	main	main	ADJ
ijtc-572	30	8	sources	source	NOUN
ijtc-572	30	9	of	of	ADP
ijtc-572	30	10	financial	financial	ADJ
ijtc-572	30	11	inclusion	inclusion	NOUN
ijtc-572	30	12	in	in	ADP
ijtc-572	30	13	islamic	islamic	ADJ
ijtc-572	30	14	banking	banking	NOUN
ijtc-572	30	15	in	in	ADP
ijtc-572	30	16	pakistan	pakistan	PROPN
ijtc-572	30	17	(	(	PUNCT
ijtc-572	30	18	nawaz	nawaz	ADJ
ijtc-572	30	19	,	,	PUNCT
ijtc-572	30	20	2017	2017	NUM
ijtc-572	30	21	)	)	PUNCT
ijtc-572	30	22	.	.	PUNCT
ijtc-572	31	1	previous	previous	ADJ
ijtc-572	31	2	research	research	NOUN
ijtc-572	31	3	related	relate	VERB
ijtc-572	31	4	to	to	ADP
ijtc-572	31	5	intellectual	intellectual	ADJ
ijtc-572	31	6	capital	capital	NOUN
ijtc-572	31	7	in	in	ADP
ijtc-572	31	8	relation	relation	NOUN
ijtc-572	31	9	to	to	ADP
ijtc-572	31	10	financial	financial	ADJ
ijtc-572	31	11	inclusion	inclusion	NOUN
ijtc-572	31	12	in	in	ADP
ijtc-572	31	13	micro	micro	PROPN
ijtc-572	31	14	,	,	PUNCT
ijtc-572	31	15	small	small	ADJ
ijtc-572	31	16	and	and	CCONJ
ijtc-572	31	17	medium	medium	ADJ
ijtc-572	31	18	enterprises	enterprise	NOUN
ijtc-572	31	19	(	(	PUNCT
ijtc-572	31	20	msmes	msme	NOUN
ijtc-572	31	21	)	)	PUNCT
ijtc-572	31	22	has	have	AUX
ijtc-572	31	23	not	not	PART
ijtc-572	31	24	been	be	AUX
ijtc-572	31	25	carried	carry	VERB
ijtc-572	31	26	out	out	ADP
ijtc-572	31	27	.	.	PUNCT
ijtc-572	32	1	the	the	DET
ijtc-572	32	2	research	research	NOUN
ijtc-572	32	3	focuses	focus	VERB
ijtc-572	32	4	only	only	ADV
ijtc-572	32	5	on	on	ADP
ijtc-572	32	6	the	the	DET
ijtc-572	32	7	financial	financial	ADJ
ijtc-572	32	8	performance	performance	NOUN
ijtc-572	32	9	of	of	ADP
ijtc-572	32	10	each	each	DET
ijtc-572	32	11	micro	micro	NOUN
ijtc-572	32	12	,	,	PUNCT
ijtc-572	32	13	small	small	ADJ
ijtc-572	32	14	and	and	CCONJ
ijtc-572	32	15	medium	medium	ADJ
ijtc-572	32	16	enterprises	enterprise	NOUN
ijtc-572	32	17	(	(	PUNCT
ijtc-572	32	18	msmes	msmes	PROPN
ijtc-572	32	19	)	)	PUNCT
ijtc-572	32	20	,	,	PUNCT
ijtc-572	32	21	has	have	AUX
ijtc-572	32	22	not	not	PART
ijtc-572	32	23	discussed	discuss	VERB
ijtc-572	32	24	further	far	ADV
ijtc-572	32	25	about	about	ADP
ijtc-572	32	26	intellectual	intellectual	ADJ
ijtc-572	32	27	capital	capital	NOUN
ijtc-572	32	28	on	on	ADP
ijtc-572	32	29	financial	financial	ADJ
ijtc-572	32	30	inclusion	inclusion	NOUN
ijtc-572	32	31	.	.	PUNCT
ijtc-572	33	1	this	this	DET
ijtc-572	33	2	study	study	NOUN
ijtc-572	33	3	analyzes	analyze	VERB
ijtc-572	33	4	the	the	DET
ijtc-572	33	5	influence	influence	NOUN
ijtc-572	33	6	of	of	ADP
ijtc-572	33	7	intellectual	intellectual	ADJ
ijtc-572	33	8	capital	capital	NOUN
ijtc-572	33	9	,	,	PUNCT
ijtc-572	33	10	financial	financial	ADJ
ijtc-572	33	11	technology	technology	NOUN
ijtc-572	33	12	and	and	CCONJ
ijtc-572	33	13	financial	financial	ADJ
ijtc-572	33	14	literacy	literacy	NOUN
ijtc-572	33	15	on	on	ADP
ijtc-572	33	16	financial	financial	ADJ
ijtc-572	33	17	inclusion	inclusion	NOUN
ijtc-572	33	18	in	in	ADP
ijtc-572	33	19	micro	micro	PROPN
ijtc-572	33	20	,	,	PUNCT
ijtc-572	33	21	small	small	ADJ
ijtc-572	33	22	and	and	CCONJ
ijtc-572	33	23	medium	medium	ADJ
ijtc-572	33	24	enterprises	enterprise	NOUN
ijtc-572	33	25	(	(	PUNCT
ijtc-572	33	26	umkm	umkm	ADJ
ijtc-572	33	27	)	)	PUNCT
ijtc-572	33	28	lubuklinggau	lubuklinggau	PROPN
ijtc-572	33	29	city	city	PROPN
ijtc-572	33	30	.	.	PUNCT
ijtc-572	34	1	influence	influence	NOUN
ijtc-572	34	2	financial	financial	ADJ
ijtc-572	34	3	technology	technology	NOUN
ijtc-572	34	4	,	,	PUNCT
ijtc-572	34	5	financial	financial	ADJ
ijtc-572	34	6	literacy	literacy	NOUN
ijtc-572	34	7	,	,	PUNCT
ijtc-572	34	8	and	and	CCONJ
ijtc-572	34	9	intellectual	intellectual	ADJ
ijtc-572	34	10	capital	capital	NOUN
ijtc-572	34	11	on	on	ADP
ijtc-572	34	12	financial	financial	ADJ
ijtc-572	34	13	inclusion	inclusion	NOUN
ijtc-572	34	14	in	in	ADP
ijtc-572	34	15	micro	micro	PROPN
ijtc-572	34	16	,	,	PUNCT
ijtc-572	34	17	small	small	ADJ
ijtc-572	34	18	and	and	CCONJ
ijtc-572	34	19	medium	medium	ADJ
ijtc-572	34	20	enterprises	enterprise	NOUN
ijtc-572	34	21	(	(	PUNCT
ijtc-572	34	22	msmes	msmes	PROPN
ijtc-572	34	23	)	)	PUNCT
ijtc-572	34	24	martini	martini	NOUN
ijtc-572	34	25	,	,	PUNCT
ijtc-572	34	26	triharyati	triharyati	NOUN
ijtc-572	34	27	,	,	PUNCT
ijtc-572	34	28	and	and	CCONJ
ijtc-572	34	29	rimbano	rimbano	VERB
ijtc-572	34	30	410	410	NUM
ijtc-572	34	31	|	|	ADV
ijtc-572	34	32	ilomata	ilomata	PROPN
ijtc-572	34	33	international	international	ADJ
ijtc-572	34	34	journal	journal	NOUN
ijtc-572	34	35	of	of	ADP
ijtc-572	34	36	tax	tax	PROPN
ijtc-572	34	37	&	&	CCONJ
ijtc-572	34	38	accounting	account	VERB
ijtc-572	34	39	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-572	34	40	financial	financial	ADJ
ijtc-572	34	41	inclusion	inclusion	NOUN
ijtc-572	34	42	inclusion	inclusion	NOUN
ijtc-572	34	43	is	be	AUX
ijtc-572	34	44	providing	provide	VERB
ijtc-572	34	45	financial	financial	ADJ
ijtc-572	34	46	services	service	NOUN
ijtc-572	34	47	such	such	ADJ
ijtc-572	34	48	as	as	ADP
ijtc-572	34	49	savings	saving	NOUN
ijtc-572	34	50	,	,	PUNCT
ijtc-572	34	51	credit	credit	NOUN
ijtc-572	34	52	,	,	PUNCT
ijtc-572	34	53	insurance	insurance	NOUN
ijtc-572	34	54	,	,	PUNCT
ijtc-572	34	55	and	and	CCONJ
ijtc-572	34	56	payments	payment	NOUN
ijtc-572	34	57	at	at	ADP
ijtc-572	34	58	prices	price	NOUN
ijtc-572	34	59	that	that	SCONJ
ijtc-572	34	60	all	all	DET
ijtc-572	34	61	economic	economic	ADJ
ijtc-572	34	62	actors	actor	NOUN
ijtc-572	34	63	can	can	AUX
ijtc-572	34	64	afford	afford	VERB
ijtc-572	34	65	,	,	PUNCT
ijtc-572	34	66	especially	especially	ADV
ijtc-572	34	67	low	low	ADJ
ijtc-572	34	68	-	-	PUNCT
ijtc-572	34	69	income	income	NOUN
ijtc-572	34	70	economic	economic	ADJ
ijtc-572	34	71	actors	actor	NOUN
ijtc-572	34	72	(	(	PUNCT
ijtc-572	34	73	anwar	anwar	PROPN
ijtc-572	34	74	et	et	PROPN
ijtc-572	34	75	al	al	PROPN
ijtc-572	34	76	.	.	PROPN
ijtc-572	34	77	,	,	PUNCT
ijtc-572	34	78	2017	2017	NUM
ijtc-572	34	79	)	)	PUNCT
ijtc-572	34	80	.	.	PUNCT
ijtc-572	35	1	financial	financial	ADJ
ijtc-572	35	2	inclusion	inclusion	NOUN
ijtc-572	35	3	is	be	AUX
ijtc-572	35	4	the	the	DET
ijtc-572	35	5	proportion	proportion	NOUN
ijtc-572	35	6	of	of	ADP
ijtc-572	35	7	individuals	individual	NOUN
ijtc-572	35	8	and	and	CCONJ
ijtc-572	35	9	companies	company	NOUN
ijtc-572	35	10	that	that	PRON
ijtc-572	35	11	use	use	VERB
ijtc-572	35	12	financial	financial	ADJ
ijtc-572	35	13	products	product	NOUN
ijtc-572	35	14	and	and	CCONJ
ijtc-572	35	15	services	service	NOUN
ijtc-572	35	16	(	(	PUNCT
ijtc-572	35	17	pulungan	pulungan	PROPN
ijtc-572	35	18	&	&	CCONJ
ijtc-572	35	19	ndruru	ndruru	PROPN
ijtc-572	35	20	,	,	PUNCT
ijtc-572	35	21	2019	2019	NUM
ijtc-572	35	22	)	)	PUNCT
ijtc-572	35	23	financial	financial	ADJ
ijtc-572	35	24	inclusion	inclusion	NOUN
ijtc-572	35	25	is	be	AUX
ijtc-572	35	26	the	the	DET
ijtc-572	35	27	process	process	NOUN
ijtc-572	35	28	of	of	ADP
ijtc-572	35	29	promoting	promote	VERB
ijtc-572	35	30	affordable	affordable	ADJ
ijtc-572	35	31	,	,	PUNCT
ijtc-572	35	32	timely	timely	ADJ
ijtc-572	35	33	and	and	CCONJ
ijtc-572	35	34	adequate	adequate	ADJ
ijtc-572	35	35	access	access	NOUN
ijtc-572	35	36	to	to	ADP
ijtc-572	35	37	a	a	DET
ijtc-572	35	38	wide	wide	ADJ
ijtc-572	35	39	range	range	NOUN
ijtc-572	35	40	of	of	ADP
ijtc-572	35	41	regulated	regulated	ADJ
ijtc-572	35	42	financial	financial	ADJ
ijtc-572	35	43	products	product	NOUN
ijtc-572	35	44	and	and	CCONJ
ijtc-572	35	45	services	service	NOUN
ijtc-572	35	46	and	and	CCONJ
ijtc-572	35	47	expanding	expand	VERB
ijtc-572	35	48	their	their	PRON
ijtc-572	35	49	use	use	NOUN
ijtc-572	35	50	by	by	ADP
ijtc-572	35	51	all	all	DET
ijtc-572	35	52	segments	segment	NOUN
ijtc-572	35	53	of	of	ADP
ijtc-572	35	54	society	society	NOUN
ijtc-572	35	55	through	through	ADP
ijtc-572	35	56	the	the	DET
ijtc-572	35	57	adoption	adoption	NOUN
ijtc-572	35	58	of	of	ADP
ijtc-572	35	59	existing	exist	VERB
ijtc-572	35	60	and	and	CCONJ
ijtc-572	35	61	innovative	innovative	ADJ
ijtc-572	35	62	tailored	tailor	VERB
ijtc-572	35	63	approaches	approach	NOUN
ijtc-572	35	64	including	include	VERB
ijtc-572	35	65	financial	financial	ADJ
ijtc-572	35	66	awareness	awareness	NOUN
ijtc-572	35	67	and	and	CCONJ
ijtc-572	35	68	education	education	NOUN
ijtc-572	35	69	with	with	ADP
ijtc-572	35	70	a	a	DET
ijtc-572	35	71	view	view	NOUN
ijtc-572	35	72	to	to	ADP
ijtc-572	35	73	promoting	promote	VERB
ijtc-572	35	74	financial	financial	ADJ
ijtc-572	35	75	well	well	ADV
ijtc-572	35	76	-	-	PUNCT
ijtc-572	35	77	being	being	NOUN
ijtc-572	35	78	and	and	CCONJ
ijtc-572	35	79	inclusion	inclusion	NOUN
ijtc-572	35	80	.	.	PUNCT
ijtc-572	36	1	economic	economic	ADJ
ijtc-572	36	2	and	and	CCONJ
ijtc-572	36	3	social	social	ADJ
ijtc-572	36	4	(	(	PUNCT
ijtc-572	36	5	holle	holle	NOUN
ijtc-572	36	6	,	,	PUNCT
ijtc-572	36	7	2019	2019	NUM
ijtc-572	36	8	)	)	PUNCT
ijtc-572	36	9	financial	financial	ADJ
ijtc-572	36	10	inclusion	inclusion	NOUN
ijtc-572	36	11	is	be	AUX
ijtc-572	36	12	a	a	DET
ijtc-572	36	13	banking	banking	NOUN
ijtc-572	36	14	instrument	instrument	NOUN
ijtc-572	36	15	that	that	PRON
ijtc-572	36	16	plays	play	VERB
ijtc-572	36	17	an	an	DET
ijtc-572	36	18	important	important	ADJ
ijtc-572	36	19	role	role	NOUN
ijtc-572	36	20	in	in	ADP
ijtc-572	36	21	the	the	DET
ijtc-572	36	22	stability	stability	NOUN
ijtc-572	36	23	of	of	ADP
ijtc-572	36	24	financial	financial	ADJ
ijtc-572	36	25	services	service	NOUN
ijtc-572	36	26	and	and	CCONJ
ijtc-572	36	27	access	access	NOUN
ijtc-572	36	28	to	to	ADP
ijtc-572	36	29	finance	finance	NOUN
ijtc-572	36	30	(	(	PUNCT
ijtc-572	36	31	rusdianasari	rusdianasari	NOUN
ijtc-572	36	32	,	,	PUNCT
ijtc-572	36	33	2018	2018	NUM
ijtc-572	36	34	)	)	PUNCT
ijtc-572	36	35	.	.	PUNCT
ijtc-572	37	1	the	the	DET
ijtc-572	37	2	following	follow	VERB
ijtc-572	37	3	indicators	indicator	NOUN
ijtc-572	37	4	for	for	ADP
ijtc-572	37	5	financial	financial	ADJ
ijtc-572	37	6	inclusion	inclusion	NOUN
ijtc-572	37	7	are	be	AUX
ijtc-572	37	8	:	:	PUNCT
ijtc-572	37	9	1	1	X
ijtc-572	37	10	.	.	X
ijtc-572	37	11	availability	availability	NOUN
ijtc-572	37	12	/	/	SYM
ijtc-572	37	13	access	access	NOUN
ijtc-572	37	14	2	2	NUM
ijtc-572	37	15	.	.	PUNCT
ijtc-572	37	16	use	use	NOUN
ijtc-572	37	17	3	3	NUM
ijtc-572	37	18	.	.	PUNCT
ijtc-572	37	19	quality	quality	NOUN
ijtc-572	37	20	4	4	NUM
ijtc-572	37	21	.	.	PUNCT
ijtc-572	37	22	well	well	ADV
ijtc-572	37	23	-	-	PUNCT
ijtc-572	37	24	being	be	AUX
ijtc-572	37	25	financial	financial	ADJ
ijtc-572	37	26	technology	technology	NOUN
ijtc-572	37	27	financial	financial	ADJ
ijtc-572	37	28	technology	technology	NOUN
ijtc-572	37	29	is	be	AUX
ijtc-572	37	30	an	an	DET
ijtc-572	37	31	innovation	innovation	NOUN
ijtc-572	37	32	that	that	PRON
ijtc-572	37	33	provides	provide	VERB
ijtc-572	37	34	convenience	convenience	NOUN
ijtc-572	37	35	and	and	CCONJ
ijtc-572	37	36	comfort	comfort	NOUN
ijtc-572	37	37	for	for	ADP
ijtc-572	37	38	the	the	DET
ijtc-572	37	39	public	public	NOUN
ijtc-572	37	40	in	in	ADP
ijtc-572	37	41	the	the	DET
ijtc-572	37	42	financial	financial	ADJ
ijtc-572	37	43	sector	sector	NOUN
ijtc-572	37	44	,	,	PUNCT
ijtc-572	37	45	because	because	SCONJ
ijtc-572	37	46	people	people	NOUN
ijtc-572	37	47	can	can	AUX
ijtc-572	37	48	make	make	VERB
ijtc-572	37	49	transactions	transaction	NOUN
ijtc-572	37	50	only	only	ADV
ijtc-572	37	51	with	with	ADP
ijtc-572	37	52	smartphones	smartphone	NOUN
ijtc-572	37	53	and	and	CCONJ
ijtc-572	37	54	the	the	DET
ijtc-572	37	55	internet	internet	NOUN
ijtc-572	37	56	(	(	PUNCT
ijtc-572	37	57	ansori	ansori	PROPN
ijtc-572	37	58	,	,	PUNCT
ijtc-572	37	59	2019	2019	NUM
ijtc-572	37	60	)	)	PUNCT
ijtc-572	37	61	.	.	PUNCT
ijtc-572	38	1	financial	financial	ADJ
ijtc-572	38	2	technology	technology	NOUN
ijtc-572	38	3	is	be	AUX
ijtc-572	38	4	an	an	DET
ijtc-572	38	5	innovation	innovation	NOUN
ijtc-572	38	6	in	in	ADP
ijtc-572	38	7	financial	financial	ADJ
ijtc-572	38	8	services	service	NOUN
ijtc-572	38	9	by	by	ADP
ijtc-572	38	10	utilizing	utilize	VERB
ijtc-572	38	11	the	the	DET
ijtc-572	38	12	development	development	NOUN
ijtc-572	38	13	of	of	ADP
ijtc-572	38	14	information	information	NOUN
ijtc-572	38	15	technology	technology	NOUN
ijtc-572	38	16	(	(	PUNCT
ijtc-572	38	17	bfi	bfi	PROPN
ijtc-572	38	18	finance	finance	PROPN
ijtc-572	38	19	,	,	PUNCT
ijtc-572	38	20	2022	2022	NUM
ijtc-572	38	21	)	)	PUNCT
ijtc-572	38	22	.	.	PUNCT
ijtc-572	39	1	financial	financial	ADJ
ijtc-572	39	2	technology	technology	NOUN
ijtc-572	39	3	(	(	PUNCT
ijtc-572	39	4	fintech	fintech	NOUN
ijtc-572	39	5	)	)	PUNCT
ijtc-572	39	6	is	be	AUX
ijtc-572	39	7	a	a	DET
ijtc-572	39	8	'	'	PUNCT
ijtc-572	39	9	revolution	revolution	NOUN
ijtc-572	39	10	'	'	PUNCT
ijtc-572	39	11	of	of	ADP
ijtc-572	39	12	combining	combine	VERB
ijtc-572	39	13	financial	financial	ADJ
ijtc-572	39	14	services	service	NOUN
ijtc-572	39	15	with	with	ADP
ijtc-572	39	16	information	information	NOUN
ijtc-572	39	17	technology	technology	NOUN
ijtc-572	39	18	that	that	PRON
ijtc-572	39	19	has	have	AUX
ijtc-572	39	20	improved	improve	VERB
ijtc-572	39	21	the	the	DET
ijtc-572	39	22	quality	quality	NOUN
ijtc-572	39	23	of	of	ADP
ijtc-572	39	24	financial	financial	ADJ
ijtc-572	39	25	services	service	NOUN
ijtc-572	39	26	,	,	PUNCT
ijtc-572	39	27	and	and	CCONJ
ijtc-572	39	28	created	create	VERB
ijtc-572	39	29	financial	financial	ADJ
ijtc-572	39	30	stability	stability	NOUN
ijtc-572	39	31	(	(	PUNCT
ijtc-572	39	32	international	international	ADJ
ijtc-572	39	33	trade	trade	NOUN
ijtc-572	39	34	administration	administration	NOUN
ijtc-572	39	35	,	,	PUNCT
ijtc-572	39	36	2016	2016	NUM
ijtc-572	39	37	)	)	PUNCT
ijtc-572	39	38	financial	financial	ADJ
ijtc-572	39	39	technology	technology	NOUN
ijtc-572	39	40	refers	refer	VERB
ijtc-572	39	41	to	to	ADP
ijtc-572	39	42	the	the	DET
ijtc-572	39	43	use	use	NOUN
ijtc-572	39	44	of	of	ADP
ijtc-572	39	45	technology	technology	NOUN
ijtc-572	39	46	to	to	PART
ijtc-572	39	47	provide	provide	VERB
ijtc-572	39	48	financial	financial	ADJ
ijtc-572	39	49	solutions	solution	NOUN
ijtc-572	39	50	(	(	PUNCT
ijtc-572	39	51	arner	arner	NOUN
ijtc-572	39	52	et	et	PROPN
ijtc-572	39	53	al	al	PROPN
ijtc-572	39	54	.	.	PROPN
ijtc-572	39	55	,	,	PUNCT
ijtc-572	39	56	2015	2015	NUM
ijtc-572	39	57	)	)	PUNCT
ijtc-572	39	58	.	.	PUNCT
ijtc-572	40	1	specifically	specifically	ADV
ijtc-572	40	2	,	,	PUNCT
ijtc-572	40	3	financial	financial	ADJ
ijtc-572	40	4	technology	technology	NOUN
ijtc-572	40	5	defined	define	VERB
ijtc-572	40	6	as	as	ADP
ijtc-572	40	7	the	the	DET
ijtc-572	40	8	application	application	NOUN
ijtc-572	40	9	of	of	ADP
ijtc-572	40	10	digital	digital	ADJ
ijtc-572	40	11	technology	technology	NOUN
ijtc-572	40	12	to	to	ADP
ijtc-572	40	13	financial	financial	ADJ
ijtc-572	40	14	intermediation	intermediation	NOUN
ijtc-572	40	15	problems	problem	NOUN
ijtc-572	40	16	(	(	PUNCT
ijtc-572	40	17	aaron	aaron	PROPN
ijtc-572	40	18	et	et	PROPN
ijtc-572	40	19	al	al	PROPN
ijtc-572	40	20	.	.	PROPN
ijtc-572	40	21	,	,	PUNCT
ijtc-572	40	22	2017	2017	NUM
ijtc-572	40	23	)	)	PUNCT
ijtc-572	40	24	.	.	PUNCT
ijtc-572	41	1	financial	financial	ADJ
ijtc-572	41	2	technology	technology	NOUN
ijtc-572	41	3	is	be	AUX
ijtc-572	41	4	the	the	DET
ijtc-572	41	5	use	use	NOUN
ijtc-572	41	6	of	of	ADP
ijtc-572	41	7	financial	financial	ADJ
ijtc-572	41	8	system	system	NOUN
ijtc-572	41	9	technology	technology	NOUN
ijtc-572	41	10	that	that	PRON
ijtc-572	41	11	produces	produce	VERB
ijtc-572	41	12	new	new	ADJ
ijtc-572	41	13	products	product	NOUN
ijtc-572	41	14	,	,	PUNCT
ijtc-572	41	15	services	service	NOUN
ijtc-572	41	16	,	,	PUNCT
ijtc-572	41	17	technology	technology	NOUN
ijtc-572	41	18	,	,	PUNCT
ijtc-572	41	19	and/or	and/or	CCONJ
ijtc-572	41	20	business	business	NOUN
ijtc-572	41	21	models	model	NOUN
ijtc-572	41	22	and	and	CCONJ
ijtc-572	41	23	can	can	AUX
ijtc-572	41	24	have	have	VERB
ijtc-572	41	25	an	an	DET
ijtc-572	41	26	impact	impact	NOUN
ijtc-572	41	27	on	on	ADP
ijtc-572	41	28	monetary	monetary	ADJ
ijtc-572	41	29	stability	stability	NOUN
ijtc-572	41	30	,	,	PUNCT
ijtc-572	41	31	financial	financial	ADJ
ijtc-572	41	32	system	system	NOUN
ijtc-572	41	33	stability	stability	NOUN
ijtc-572	41	34	,	,	PUNCT
ijtc-572	41	35	efficiency	efficiency	NOUN
ijtc-572	41	36	,	,	PUNCT
ijtc-572	41	37	fluency	fluency	NOUN
ijtc-572	41	38	,	,	PUNCT
ijtc-572	41	39	security	security	NOUN
ijtc-572	41	40	,	,	PUNCT
ijtc-572	41	41	and	and	CCONJ
ijtc-572	41	42	reliability	reliability	NOUN
ijtc-572	41	43	of	of	ADP
ijtc-572	41	44	the	the	DET
ijtc-572	41	45	payment	payment	NOUN
ijtc-572	41	46	system	system	NOUN
ijtc-572	41	47	(	(	PUNCT
ijtc-572	41	48	bank	bank	PROPN
ijtc-572	41	49	indonesia	indonesia	PROPN
ijtc-572	41	50	,	,	PUNCT
ijtc-572	41	51	2017	2017	NUM
ijtc-572	41	52	)	)	PUNCT
ijtc-572	41	53	.	.	PUNCT
ijtc-572	42	1	financial	financial	ADJ
ijtc-572	42	2	technology	technology	NOUN
ijtc-572	42	3	is	be	AUX
ijtc-572	42	4	divided	divide	VERB
ijtc-572	42	5	into	into	ADP
ijtc-572	42	6	several	several	ADJ
ijtc-572	42	7	indicators	indicator	NOUN
ijtc-572	42	8	based	base	VERB
ijtc-572	42	9	on	on	ADP
ijtc-572	42	10	their	their	PRON
ijtc-572	42	11	use	use	NOUN
ijtc-572	42	12	(	(	PUNCT
ijtc-572	42	13	martini	martini	X
ijtc-572	42	14	et	et	PROPN
ijtc-572	42	15	al	al	PROPN
ijtc-572	42	16	.	.	PROPN
ijtc-572	42	17	,	,	PUNCT
ijtc-572	42	18	2021	2021	NUM
ijtc-572	42	19	)	)	PUNCT
ijtc-572	42	20	,	,	PUNCT
ijtc-572	42	21	namely	namely	ADV
ijtc-572	42	22	:	:	PUNCT
ijtc-572	42	23	1	1	X
ijtc-572	42	24	.	.	X
ijtc-572	42	25	perception	perception	NOUN
ijtc-572	42	26	of	of	ADP
ijtc-572	42	27	ease	ease	NOUN
ijtc-572	42	28	of	of	ADP
ijtc-572	42	29	use	use	NOUN
ijtc-572	42	30	of	of	ADP
ijtc-572	42	31	financial	financial	ADJ
ijtc-572	42	32	technology	technology	NOUN
ijtc-572	42	33	2	2	NUM
ijtc-572	42	34	.	.	PUNCT
ijtc-572	42	35	effective	effective	ADJ
ijtc-572	42	36	use	use	NOUN
ijtc-572	42	37	of	of	ADP
ijtc-572	42	38	financial	financial	ADJ
ijtc-572	42	39	technology	technology	NOUN
ijtc-572	42	40	3	3	NUM
ijtc-572	42	41	.	.	PUNCT
ijtc-572	42	42	risk	risk	NOUN
ijtc-572	42	43	of	of	ADP
ijtc-572	42	44	using	use	VERB
ijtc-572	42	45	financial	financial	ADJ
ijtc-572	42	46	technology	technology	NOUN
ijtc-572	42	47	4	4	NUM
ijtc-572	42	48	.	.	PUNCT
ijtc-572	42	49	interest	interest	NOUN
ijtc-572	42	50	in	in	ADP
ijtc-572	42	51	using	use	VERB
ijtc-572	42	52	financial	financial	ADJ
ijtc-572	42	53	technology	technology	NOUN
ijtc-572	42	54	financial	financial	ADJ
ijtc-572	42	55	literacy	literacy	NOUN
ijtc-572	42	56	financial	financial	ADJ
ijtc-572	42	57	literacy	literacy	NOUN
ijtc-572	42	58	is	be	AUX
ijtc-572	42	59	the	the	DET
ijtc-572	42	60	level	level	NOUN
ijtc-572	42	61	of	of	ADP
ijtc-572	42	62	knowledge	knowledge	NOUN
ijtc-572	42	63	,	,	PUNCT
ijtc-572	42	64	skills	skill	NOUN
ijtc-572	42	65	,	,	PUNCT
ijtc-572	42	66	beliefs	belief	NOUN
ijtc-572	42	67	that	that	PRON
ijtc-572	42	68	influence	influence	VERB
ijtc-572	42	69	attitudes	attitude	NOUN
ijtc-572	42	70	and	and	CCONJ
ijtc-572	42	71	behavior	behavior	NOUN
ijtc-572	42	72	to	to	PART
ijtc-572	42	73	improve	improve	VERB
ijtc-572	42	74	the	the	DET
ijtc-572	42	75	quality	quality	NOUN
ijtc-572	42	76	of	of	ADP
ijtc-572	42	77	decision	decision	NOUN
ijtc-572	42	78	making	making	NOUN
ijtc-572	42	79	and	and	CCONJ
ijtc-572	42	80	financial	financial	ADJ
ijtc-572	42	81	management	management	NOUN
ijtc-572	42	82	in	in	ADP
ijtc-572	42	83	order	order	NOUN
ijtc-572	42	84	to	to	PART
ijtc-572	42	85	achieve	achieve	VERB
ijtc-572	42	86	prosperity	prosperity	NOUN
ijtc-572	42	87	(	(	PUNCT
ijtc-572	42	88	ojk	ojk	NOUN
ijtc-572	42	89	,	,	PUNCT
ijtc-572	42	90	2013	2013	NUM
ijtc-572	42	91	)	)	PUNCT
ijtc-572	42	92	.	.	PUNCT
ijtc-572	43	1	in	in	ADP
ijtc-572	43	2	addition	addition	NOUN
ijtc-572	43	3	,	,	PUNCT
ijtc-572	43	4	financial	financial	ADJ
ijtc-572	43	5	financial	financial	ADJ
ijtc-572	43	6	literacy	literacy	NOUN
ijtc-572	43	7	is	be	AUX
ijtc-572	43	8	knowledge	knowledge	NOUN
ijtc-572	43	9	to	to	PART
ijtc-572	43	10	manage	manage	VERB
ijtc-572	43	11	finances	finance	NOUN
ijtc-572	43	12	(	(	PUNCT
ijtc-572	43	13	financial	financial	ADJ
ijtc-572	43	14	literacy	literacy	NOUN
ijtc-572	43	15	is	be	AUX
ijtc-572	43	16	money	money	NOUN
ijtc-572	43	17	management	management	NOUN
ijtc-572	43	18	knowledge	knowledge	NOUN
ijtc-572	43	19	)	)	PUNCT
ijtc-572	43	20	,	,	PUNCT
ijtc-572	43	21	indicators	indicator	NOUN
ijtc-572	43	22	in	in	ADP
ijtc-572	43	23	financial	financial	ADJ
ijtc-572	43	24	literacy	literacy	NOUN
ijtc-572	43	25	are	be	AUX
ijtc-572	43	26	(	(	PUNCT
ijtc-572	43	27	ulfatun	ulfatun	INTJ
ijtc-572	43	28	et	et	PROPN
ijtc-572	43	29	al	al	PROPN
ijtc-572	43	30	.	.	PROPN
ijtc-572	43	31	,	,	PUNCT
ijtc-572	43	32	2016	2016	NUM
ijtc-572	43	33	):	):	PUNCT
ijtc-572	43	34	influence	influence	NOUN
ijtc-572	43	35	financial	financial	ADJ
ijtc-572	43	36	technology	technology	NOUN
ijtc-572	43	37	,	,	PUNCT
ijtc-572	43	38	financial	financial	ADJ
ijtc-572	43	39	literacy	literacy	NOUN
ijtc-572	43	40	,	,	PUNCT
ijtc-572	43	41	and	and	CCONJ
ijtc-572	43	42	intellectual	intellectual	ADJ
ijtc-572	43	43	capital	capital	NOUN
ijtc-572	43	44	on	on	ADP
ijtc-572	43	45	financial	financial	ADJ
ijtc-572	43	46	inclusion	inclusion	NOUN
ijtc-572	43	47	in	in	ADP
ijtc-572	43	48	micro	micro	PROPN
ijtc-572	43	49	,	,	PUNCT
ijtc-572	43	50	small	small	ADJ
ijtc-572	43	51	and	and	CCONJ
ijtc-572	43	52	medium	medium	ADJ
ijtc-572	43	53	enterprises	enterprise	NOUN
ijtc-572	43	54	(	(	PUNCT
ijtc-572	43	55	msmes	msmes	PROPN
ijtc-572	43	56	)	)	PUNCT
ijtc-572	43	57	martini	martini	NOUN
ijtc-572	43	58	,	,	PUNCT
ijtc-572	43	59	triharyati	triharyati	NOUN
ijtc-572	43	60	,	,	PUNCT
ijtc-572	43	61	and	and	CCONJ
ijtc-572	43	62	rimbano	rimbano	VERB
ijtc-572	43	63	411	411	NUM
ijtc-572	43	64	|	|	ADV
ijtc-572	43	65	ilomata	ilomata	PROPN
ijtc-572	43	66	international	international	ADJ
ijtc-572	43	67	journal	journal	NOUN
ijtc-572	43	68	of	of	ADP
ijtc-572	43	69	tax	tax	PROPN
ijtc-572	43	70	&	&	CCONJ
ijtc-572	43	71	accounting	accounting	NOUN
ijtc-572	43	72	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-572	43	73	1	1	NUM
ijtc-572	43	74	.	.	PUNCT
ijtc-572	43	75	basic	basic	ADJ
ijtc-572	43	76	knowledge	knowledge	NOUN
ijtc-572	43	77	of	of	ADP
ijtc-572	43	78	financial	financial	ADJ
ijtc-572	43	79	management	management	NOUN
ijtc-572	43	80	.	.	PUNCT
ijtc-572	44	1	this	this	DET
ijtc-572	44	2	basic	basic	ADJ
ijtc-572	44	3	knowledge	knowledge	NOUN
ijtc-572	44	4	is	be	AUX
ijtc-572	44	5	usually	usually	ADV
ijtc-572	44	6	related	relate	VERB
ijtc-572	44	7	to	to	ADP
ijtc-572	44	8	making	make	VERB
ijtc-572	44	9	decisions	decision	NOUN
ijtc-572	44	10	in	in	ADP
ijtc-572	44	11	investing	investing	NOUN
ijtc-572	44	12	or	or	CCONJ
ijtc-572	44	13	financing	financing	NOUN
ijtc-572	44	14	that	that	PRON
ijtc-572	44	15	can	can	AUX
ijtc-572	44	16	affect	affect	VERB
ijtc-572	44	17	a	a	DET
ijtc-572	44	18	person	person	NOUN
ijtc-572	44	19	's	's	PART
ijtc-572	44	20	behavior	behavior	NOUN
ijtc-572	44	21	in	in	ADP
ijtc-572	44	22	managing	manage	VERB
ijtc-572	44	23	the	the	DET
ijtc-572	44	24	money	money	NOUN
ijtc-572	44	25	they	they	PRON
ijtc-572	44	26	have	have	VERB
ijtc-572	44	27	2	2	NUM
ijtc-572	44	28	.	.	PUNCT
ijtc-572	44	29	credit	credit	NOUN
ijtc-572	44	30	management	management	NOUN
ijtc-572	44	31	.	.	PUNCT
ijtc-572	45	1	is	be	AUX
ijtc-572	45	2	a	a	DET
ijtc-572	45	3	facility	facility	NOUN
ijtc-572	45	4	to	to	PART
ijtc-572	45	5	borrow	borrow	VERB
ijtc-572	45	6	money	money	NOUN
ijtc-572	45	7	and	and	CCONJ
ijtc-572	45	8	repay	repay	VERB
ijtc-572	45	9	it	it	PRON
ijtc-572	45	10	within	within	ADP
ijtc-572	45	11	a	a	DET
ijtc-572	45	12	certain	certain	ADJ
ijtc-572	45	13	period	period	NOUN
ijtc-572	45	14	of	of	ADP
ijtc-572	45	15	time	time	NOUN
ijtc-572	45	16	with	with	ADP
ijtc-572	45	17	interest	interest	NOUN
ijtc-572	45	18	.	.	PUNCT
ijtc-572	46	1	3	3	X
ijtc-572	46	2	.	.	X
ijtc-572	46	3	savings	saving	NOUN
ijtc-572	46	4	management	management	NOUN
ijtc-572	46	5	.	.	PUNCT
ijtc-572	46	6	is	be	AUX
ijtc-572	46	7	the	the	DET
ijtc-572	46	8	amount	amount	NOUN
ijtc-572	46	9	of	of	ADP
ijtc-572	46	10	money	money	NOUN
ijtc-572	46	11	saved	save	VERB
ijtc-572	46	12	for	for	ADP
ijtc-572	46	13	future	future	ADJ
ijtc-572	46	14	needs	need	NOUN
ijtc-572	46	15	.	.	PUNCT
ijtc-572	47	1	4	4	X
ijtc-572	47	2	.	.	X
ijtc-572	47	3	investment	investment	NOUN
ijtc-572	47	4	management	management	NOUN
ijtc-572	47	5	.	.	PUNCT
ijtc-572	47	6	is	be	AUX
ijtc-572	47	7	a	a	DET
ijtc-572	47	8	form	form	NOUN
ijtc-572	47	9	of	of	ADP
ijtc-572	47	10	investment	investment	NOUN
ijtc-572	47	11	activity	activity	NOUN
ijtc-572	47	12	of	of	ADP
ijtc-572	47	13	funds	fund	NOUN
ijtc-572	47	14	or	or	CCONJ
ijtc-572	47	15	assets	asset	NOUN
ijtc-572	47	16	with	with	ADP
ijtc-572	47	17	the	the	DET
ijtc-572	47	18	aim	aim	NOUN
ijtc-572	47	19	of	of	ADP
ijtc-572	47	20	obtaining	obtain	VERB
ijtc-572	47	21	profits	profit	NOUN
ijtc-572	47	22	in	in	ADP
ijtc-572	47	23	the	the	DET
ijtc-572	47	24	future	future	NOUN
ijtc-572	47	25	.	.	PUNCT
ijtc-572	48	1	intellectual	intellectual	ADJ
ijtc-572	48	2	capital	capital	PROPN
ijtc-572	48	3	intellectual	intellectual	ADJ
ijtc-572	48	4	capital	capital	NOUN
ijtc-572	48	5	refers	refer	VERB
ijtc-572	48	6	to	to	ADP
ijtc-572	48	7	knowledge	knowledge	NOUN
ijtc-572	48	8	resources	resource	NOUN
ijtc-572	48	9	that	that	PRON
ijtc-572	48	10	can	can	AUX
ijtc-572	48	11	provide	provide	VERB
ijtc-572	48	12	a	a	DET
ijtc-572	48	13	competitive	competitive	ADJ
ijtc-572	48	14	advantage	advantage	NOUN
ijtc-572	48	15	for	for	ADP
ijtc-572	48	16	companies	company	NOUN
ijtc-572	48	17	(	(	PUNCT
ijtc-572	48	18	stewart	stewart	PROPN
ijtc-572	48	19	&	&	CCONJ
ijtc-572	48	20	ruckdeschel	ruckdeschel	PROPN
ijtc-572	48	21	,	,	PUNCT
ijtc-572	48	22	1998	1998	NUM
ijtc-572	48	23	)	)	PUNCT
ijtc-572	48	24	.	.	PUNCT
ijtc-572	49	1	intellectual	intellectual	ADJ
ijtc-572	49	2	capital	capital	NOUN
ijtc-572	49	3	is	be	AUX
ijtc-572	49	4	defined	define	VERB
ijtc-572	49	5	as	as	ADP
ijtc-572	49	6	a	a	DET
ijtc-572	49	7	new	new	ADJ
ijtc-572	49	8	,	,	PUNCT
ijtc-572	49	9	intangible	intangible	ADJ
ijtc-572	49	10	source	source	NOUN
ijtc-572	49	11	of	of	ADP
ijtc-572	49	12	wealth	wealth	NOUN
ijtc-572	49	13	;	;	PUNCT
ijtc-572	49	14	as	as	ADP
ijtc-572	49	15	information	information	NOUN
ijtc-572	49	16	,	,	PUNCT
ijtc-572	49	17	knowledge	knowledge	NOUN
ijtc-572	49	18	that	that	PRON
ijtc-572	49	19	is	be	AUX
ijtc-572	49	20	applied	apply	VERB
ijtc-572	49	21	to	to	PART
ijtc-572	49	22	work	work	VERB
ijtc-572	49	23	to	to	PART
ijtc-572	49	24	create	create	VERB
ijtc-572	49	25	value	value	NOUN
ijtc-572	49	26	(	(	PUNCT
ijtc-572	49	27	nawaz	nawaz	NOUN
ijtc-572	49	28	,	,	PUNCT
ijtc-572	49	29	2017	2017	NUM
ijtc-572	49	30	)	)	PUNCT
ijtc-572	49	31	.	.	PUNCT
ijtc-572	50	1	intellectual	intellectual	ADJ
ijtc-572	50	2	capital	capital	NOUN
ijtc-572	50	3	refers	refer	VERB
ijtc-572	50	4	to	to	ADP
ijtc-572	50	5	the	the	DET
ijtc-572	50	6	possession	possession	NOUN
ijtc-572	50	7	of	of	ADP
ijtc-572	50	8	knowledge	knowledge	NOUN
ijtc-572	50	9	and	and	CCONJ
ijtc-572	50	10	experience	experience	NOUN
ijtc-572	50	11	,	,	PUNCT
ijtc-572	50	12	professional	professional	ADJ
ijtc-572	50	13	knowledge	knowledge	NOUN
ijtc-572	50	14	and	and	CCONJ
ijtc-572	50	15	skills	skill	NOUN
ijtc-572	50	16	,	,	PUNCT
ijtc-572	50	17	good	good	ADJ
ijtc-572	50	18	relations	relation	NOUN
ijtc-572	50	19	,	,	PUNCT
ijtc-572	50	20	and	and	CCONJ
ijtc-572	50	21	technological	technological	ADJ
ijtc-572	50	22	capacity	capacity	NOUN
ijtc-572	50	23	,	,	PUNCT
ijtc-572	50	24	which	which	PRON
ijtc-572	50	25	when	when	SCONJ
ijtc-572	50	26	applied	apply	VERB
ijtc-572	50	27	will	will	AUX
ijtc-572	50	28	provide	provide	VERB
ijtc-572	50	29	a	a	DET
ijtc-572	50	30	competitive	competitive	ADJ
ijtc-572	50	31	advantage	advantage	NOUN
ijtc-572	50	32	for	for	ADP
ijtc-572	50	33	the	the	DET
ijtc-572	50	34	organization	organization	NOUN
ijtc-572	50	35	(	(	PUNCT
ijtc-572	50	36	starovic	starovic	PROPN
ijtc-572	50	37	&	&	CCONJ
ijtc-572	50	38	marr	marr	PROPN
ijtc-572	50	39	,	,	PUNCT
ijtc-572	50	40	2005	2005	NUM
ijtc-572	50	41	)	)	PUNCT
ijtc-572	50	42	.	.	PUNCT
ijtc-572	51	1	intellectual	intellectual	ADJ
ijtc-572	51	2	capital	capital	NOUN
ijtc-572	51	3	is	be	AUX
ijtc-572	51	4	divided	divide	VERB
ijtc-572	51	5	into	into	ADP
ijtc-572	51	6	human	human	ADJ
ijtc-572	51	7	intellectual	intellectual	ADJ
ijtc-572	51	8	capital	capital	NOUN
ijtc-572	51	9	and	and	CCONJ
ijtc-572	51	10	structural	structural	ADJ
ijtc-572	51	11	,	,	PUNCT
ijtc-572	51	12	where	where	SCONJ
ijtc-572	51	13	the	the	DET
ijtc-572	51	14	former	former	ADJ
ijtc-572	51	15	refers	refer	VERB
ijtc-572	51	16	to	to	ADP
ijtc-572	51	17	human	human	ADJ
ijtc-572	51	18	intellectual	intellectual	ADJ
ijtc-572	51	19	capital	capital	NOUN
ijtc-572	51	20	,	,	PUNCT
ijtc-572	51	21	which	which	PRON
ijtc-572	51	22	generates	generate	VERB
ijtc-572	51	23	new	new	ADJ
ijtc-572	51	24	ideas	idea	NOUN
ijtc-572	51	25	.	.	PUNCT
ijtc-572	52	1	second	second	ADJ
ijtc-572	52	2	,	,	PUNCT
ijtc-572	52	3	structural	structural	ADJ
ijtc-572	52	4	refers	refer	NOUN
ijtc-572	52	5	to	to	ADP
ijtc-572	52	6	supporting	support	VERB
ijtc-572	52	7	mechanisms	mechanism	NOUN
ijtc-572	52	8	,	,	PUNCT
ijtc-572	52	9	which	which	PRON
ijtc-572	52	10	help	help	VERB
ijtc-572	52	11	human	human	ADJ
ijtc-572	52	12	capital	capital	NOUN
ijtc-572	52	13	to	to	PART
ijtc-572	52	14	turn	turn	VERB
ijtc-572	52	15	these	these	DET
ijtc-572	52	16	ideas	idea	NOUN
ijtc-572	52	17	into	into	ADP
ijtc-572	52	18	real	real	ADJ
ijtc-572	52	19	products	product	NOUN
ijtc-572	52	20	.	.	PUNCT
ijtc-572	53	1	previous	previous	ADJ
ijtc-572	53	2	research	research	NOUN
ijtc-572	53	3	has	have	AUX
ijtc-572	53	4	shown	show	VERB
ijtc-572	53	5	that	that	SCONJ
ijtc-572	53	6	intellectual	intellectual	ADJ
ijtc-572	53	7	capital	capital	NOUN
ijtc-572	53	8	is	be	AUX
ijtc-572	53	9	the	the	DET
ijtc-572	53	10	main	main	ADJ
ijtc-572	53	11	driver	driver	NOUN
ijtc-572	53	12	of	of	ADP
ijtc-572	53	13	value	value	NOUN
ijtc-572	53	14	creation	creation	NOUN
ijtc-572	53	15	in	in	ADP
ijtc-572	53	16	the	the	DET
ijtc-572	53	17	banking	banking	NOUN
ijtc-572	53	18	industry	industry	NOUN
ijtc-572	53	19	(	(	PUNCT
ijtc-572	53	20	nawaz	nawaz	ADJ
ijtc-572	53	21	,	,	PUNCT
ijtc-572	53	22	2017	2017	NUM
ijtc-572	53	23	)	)	PUNCT
ijtc-572	53	24	.	.	PUNCT
ijtc-572	54	1	indicators	indicator	NOUN
ijtc-572	54	2	in	in	ADP
ijtc-572	54	3	intellectual	intellectual	ADJ
ijtc-572	54	4	capital	capital	NOUN
ijtc-572	54	5	are	be	AUX
ijtc-572	54	6	measured	measure	VERB
ijtc-572	54	7	by	by	ADP
ijtc-572	54	8	developing	develop	VERB
ijtc-572	54	9	the	the	DET
ijtc-572	54	10	competence	competence	NOUN
ijtc-572	54	11	of	of	ADP
ijtc-572	54	12	micro	micro	PROPN
ijtc-572	54	13	,	,	PUNCT
ijtc-572	54	14	small	small	ADJ
ijtc-572	54	15	and	and	CCONJ
ijtc-572	54	16	medium	medium	ADJ
ijtc-572	54	17	enterprises	enterprise	NOUN
ijtc-572	54	18	(	(	PUNCT
ijtc-572	54	19	msmes	msme	NOUN
ijtc-572	54	20	)	)	PUNCT
ijtc-572	54	21	in	in	ADP
ijtc-572	54	22	honing	hone	VERB
ijtc-572	54	23	competent	competent	ADJ
ijtc-572	54	24	employees	employee	NOUN
ijtc-572	54	25	,	,	PUNCT
ijtc-572	54	26	innovating	innovate	VERB
ijtc-572	54	27	,	,	PUNCT
ijtc-572	54	28	and	and	CCONJ
ijtc-572	54	29	maintaining	maintain	VERB
ijtc-572	54	30	good	good	ADJ
ijtc-572	54	31	relations	relation	NOUN
ijtc-572	54	32	which	which	PRON
ijtc-572	54	33	will	will	AUX
ijtc-572	54	34	result	result	VERB
ijtc-572	54	35	in	in	ADP
ijtc-572	54	36	a	a	DET
ijtc-572	54	37	successful	successful	ADJ
ijtc-572	54	38	business	business	NOUN
ijtc-572	54	39	in	in	ADP
ijtc-572	54	40	the	the	DET
ijtc-572	54	41	future	future	NOUN
ijtc-572	54	42	and	and	CCONJ
ijtc-572	54	43	sustainability	sustainability	NOUN
ijtc-572	54	44	and	and	CCONJ
ijtc-572	54	45	can	can	AUX
ijtc-572	54	46	excel	excel	VERB
ijtc-572	54	47	in	in	ADP
ijtc-572	54	48	business	business	NOUN
ijtc-572	54	49	competition	competition	NOUN
ijtc-572	54	50	between	between	ADP
ijtc-572	54	51	entrepreneurs	entrepreneur	NOUN
ijtc-572	54	52	in	in	ADP
ijtc-572	54	53	similar	similar	ADJ
ijtc-572	54	54	fields	field	NOUN
ijtc-572	54	55	.	.	PUNCT
ijtc-572	55	1	(	(	PUNCT
ijtc-572	55	2	absah	absah	VERB
ijtc-572	55	3	et	et	PROPN
ijtc-572	55	4	al	al	PROPN
ijtc-572	55	5	.	.	PROPN
ijtc-572	55	6	,	,	PUNCT
ijtc-572	55	7	2018	2018	NUM
ijtc-572	55	8	)	)	PUNCT
ijtc-572	55	9	.	.	PUNCT
ijtc-572	56	1	framework	framework	NOUN
ijtc-572	56	2	of	of	ADP
ijtc-572	56	3	thinking	think	VERB
ijtc-572	56	4	figure	figure	NOUN
ijtc-572	56	5	1	1	NUM
ijtc-572	56	6	thinking	thinking	NOUN
ijtc-572	56	7	frame	frame	NOUN
ijtc-572	56	8	hypothesis	hypothesis	NOUN
ijtc-572	56	9	based	base	VERB
ijtc-572	56	10	on	on	ADP
ijtc-572	56	11	the	the	DET
ijtc-572	56	12	framework	framework	NOUN
ijtc-572	56	13	of	of	ADP
ijtc-572	56	14	thinking	thinking	NOUN
ijtc-572	56	15	,	,	PUNCT
ijtc-572	56	16	the	the	DET
ijtc-572	56	17	following	follow	VERB
ijtc-572	56	18	hypotheses	hypothesis	NOUN
ijtc-572	56	19	can	can	AUX
ijtc-572	56	20	be	be	AUX
ijtc-572	56	21	presented	present	VERB
ijtc-572	56	22	:	:	PUNCT
ijtc-572	56	23	h1	h1	PROPN
ijtc-572	56	24	:	:	PUNCT
ijtc-572	56	25	financial	financial	ADJ
ijtc-572	56	26	technology	technology	NOUN
ijtc-572	56	27	effect	effect	NOUN
ijtc-572	56	28	on	on	ADP
ijtc-572	56	29	financial	financial	ADJ
ijtc-572	56	30	inclusion	inclusion	NOUN
ijtc-572	56	31	in	in	ADP
ijtc-572	56	32	micro	micro	PROPN
ijtc-572	56	33	,	,	PUNCT
ijtc-572	56	34	small	small	ADJ
ijtc-572	56	35	and	and	CCONJ
ijtc-572	56	36	medium	medium	ADJ
ijtc-572	56	37	enterprises	enterprise	NOUN
ijtc-572	56	38	(	(	PUNCT
ijtc-572	56	39	msmes	msmes	PROPN
ijtc-572	56	40	)	)	PUNCT
ijtc-572	56	41	h2	h2	NOUN
ijtc-572	56	42	:	:	PUNCT
ijtc-572	56	43	financial	financial	ADJ
ijtc-572	56	44	literacy	literacy	NOUN
ijtc-572	56	45	affects	affect	VERB
ijtc-572	56	46	financial	financial	ADJ
ijtc-572	56	47	inclusion	inclusion	NOUN
ijtc-572	56	48	in	in	ADP
ijtc-572	56	49	micro	micro	PROPN
ijtc-572	56	50	,	,	PUNCT
ijtc-572	56	51	small	small	ADJ
ijtc-572	56	52	and	and	CCONJ
ijtc-572	56	53	medium	medium	ADJ
ijtc-572	56	54	enterprises	enterprise	NOUN
ijtc-572	56	55	(	(	PUNCT
ijtc-572	56	56	msmes	msmes	PROPN
ijtc-572	56	57	)	)	PUNCT
ijtc-572	56	58	influence	influence	NOUN
ijtc-572	56	59	financial	financial	ADJ
ijtc-572	56	60	technology	technology	NOUN
ijtc-572	56	61	,	,	PUNCT
ijtc-572	56	62	financial	financial	ADJ
ijtc-572	56	63	literacy	literacy	NOUN
ijtc-572	56	64	,	,	PUNCT
ijtc-572	56	65	and	and	CCONJ
ijtc-572	56	66	intellectual	intellectual	ADJ
ijtc-572	56	67	capital	capital	NOUN
ijtc-572	56	68	on	on	ADP
ijtc-572	56	69	financial	financial	ADJ
ijtc-572	56	70	inclusion	inclusion	NOUN
ijtc-572	56	71	in	in	ADP
ijtc-572	56	72	micro	micro	PROPN
ijtc-572	56	73	,	,	PUNCT
ijtc-572	56	74	small	small	ADJ
ijtc-572	56	75	and	and	CCONJ
ijtc-572	56	76	medium	medium	ADJ
ijtc-572	56	77	enterprises	enterprise	NOUN
ijtc-572	56	78	(	(	PUNCT
ijtc-572	56	79	msmes	msmes	PROPN
ijtc-572	56	80	)	)	PUNCT
ijtc-572	56	81	martini	martini	NOUN
ijtc-572	56	82	,	,	PUNCT
ijtc-572	56	83	triharyati	triharyati	NOUN
ijtc-572	56	84	,	,	PUNCT
ijtc-572	56	85	and	and	CCONJ
ijtc-572	56	86	rimbano	rimbano	VERB
ijtc-572	56	87	412	412	NUM
ijtc-572	56	88	|	|	ADV
ijtc-572	56	89	ilomata	ilomata	PROPN
ijtc-572	56	90	international	international	ADJ
ijtc-572	56	91	journal	journal	NOUN
ijtc-572	56	92	of	of	ADP
ijtc-572	56	93	tax	tax	PROPN
ijtc-572	56	94	&	&	CCONJ
ijtc-572	56	95	accounting	account	VERB
ijtc-572	56	96	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-572	56	97	h3	h3	NOUN
ijtc-572	56	98	:	:	PUNCT
ijtc-572	56	99	intellectual	intellectual	ADJ
ijtc-572	56	100	capital	capital	NOUN
ijtc-572	56	101	affects	affect	VERB
ijtc-572	56	102	financial	financial	ADJ
ijtc-572	56	103	inclusion	inclusion	NOUN
ijtc-572	56	104	in	in	ADP
ijtc-572	56	105	micro	micro	PROPN
ijtc-572	56	106	,	,	PUNCT
ijtc-572	56	107	small	small	ADJ
ijtc-572	56	108	and	and	CCONJ
ijtc-572	56	109	medium	medium	ADJ
ijtc-572	56	110	enterprises	enterprise	NOUN
ijtc-572	56	111	(	(	PUNCT
ijtc-572	56	112	msmes	msme	NOUN
ijtc-572	56	113	)	)	PUNCT
ijtc-572	56	114	method	method	NOUN
ijtc-572	56	115	this	this	DET
ijtc-572	56	116	study	study	NOUN
ijtc-572	56	117	uses	use	VERB
ijtc-572	56	118	a	a	DET
ijtc-572	56	119	population	population	NOUN
ijtc-572	56	120	of	of	ADP
ijtc-572	56	121	all	all	DET
ijtc-572	56	122	micro	micro	NOUN
ijtc-572	56	123	,	,	PUNCT
ijtc-572	56	124	small	small	ADJ
ijtc-572	56	125	and	and	CCONJ
ijtc-572	56	126	medium	medium	ADJ
ijtc-572	56	127	enterprises	enterprise	NOUN
ijtc-572	56	128	(	(	PUNCT
ijtc-572	56	129	msmes	msme	NOUN
ijtc-572	56	130	)	)	PUNCT
ijtc-572	56	131	in	in	ADP
ijtc-572	56	132	lubuklinggau	lubuklinggau	PROPN
ijtc-572	56	133	city	city	PROPN
ijtc-572	56	134	as	as	ADV
ijtc-572	56	135	many	many	ADJ
ijtc-572	56	136	as	as	ADP
ijtc-572	56	137	5,303	5,303	NUM
ijtc-572	56	138	businesses	business	NOUN
ijtc-572	56	139	registered	register	VERB
ijtc-572	56	140	with	with	ADP
ijtc-572	56	141	the	the	DET
ijtc-572	56	142	office	office	NOUN
ijtc-572	56	143	of	of	ADP
ijtc-572	56	144	cooperatives	cooperative	NOUN
ijtc-572	56	145	and	and	CCONJ
ijtc-572	56	146	small	small	ADJ
ijtc-572	56	147	and	and	CCONJ
ijtc-572	56	148	medium	medium	ADJ
ijtc-572	56	149	enterprises	enterprise	NOUN
ijtc-572	56	150	(	(	PUNCT
ijtc-572	56	151	umkm	umkm	ADJ
ijtc-572	56	152	)	)	PUNCT
ijtc-572	56	153	lubuklinggau	lubuklinggau	PROPN
ijtc-572	56	154	city	city	PROPN
ijtc-572	56	155	.	.	PUNCT
ijtc-572	57	1	this	this	DET
ijtc-572	57	2	population	population	NOUN
ijtc-572	57	3	can	can	AUX
ijtc-572	57	4	not	not	PART
ijtc-572	57	5	be	be	AUX
ijtc-572	57	6	used	use	VERB
ijtc-572	57	7	as	as	ADP
ijtc-572	57	8	a	a	DET
ijtc-572	57	9	sample	sample	NOUN
ijtc-572	57	10	because	because	SCONJ
ijtc-572	57	11	only	only	ADV
ijtc-572	57	12	2,150	2,150	NUM
ijtc-572	57	13	micro	micro	NOUN
ijtc-572	57	14	,	,	PUNCT
ijtc-572	57	15	small	small	ADJ
ijtc-572	57	16	and	and	CCONJ
ijtc-572	57	17	medium	medium	ADJ
ijtc-572	57	18	enterprises	enterprise	NOUN
ijtc-572	57	19	(	(	PUNCT
ijtc-572	57	20	msmes	msme	NOUN
ijtc-572	57	21	)	)	PUNCT
ijtc-572	57	22	in	in	ADP
ijtc-572	57	23	lubuklinggau	lubuklinggau	PROPN
ijtc-572	57	24	city	city	PROPN
ijtc-572	57	25	have	have	VERB
ijtc-572	57	26	business	business	NOUN
ijtc-572	57	27	permits	permit	NOUN
ijtc-572	57	28	.	.	PUNCT
ijtc-572	58	1	the	the	DET
ijtc-572	58	2	sample	sample	NOUN
ijtc-572	58	3	of	of	ADP
ijtc-572	58	4	this	this	DET
ijtc-572	58	5	study	study	NOUN
ijtc-572	58	6	was	be	AUX
ijtc-572	58	7	337	337	NUM
ijtc-572	58	8	micro	micro	NOUN
ijtc-572	58	9	,	,	PUNCT
ijtc-572	58	10	small	small	ADJ
ijtc-572	58	11	and	and	CCONJ
ijtc-572	58	12	medium	medium	ADJ
ijtc-572	58	13	enterprises	enterprise	NOUN
ijtc-572	58	14	(	(	PUNCT
ijtc-572	58	15	msmes	msme	NOUN
ijtc-572	58	16	)	)	PUNCT
ijtc-572	58	17	which	which	PRON
ijtc-572	58	18	were	be	AUX
ijtc-572	58	19	determined	determine	VERB
ijtc-572	58	20	by	by	ADP
ijtc-572	58	21	the	the	DET
ijtc-572	58	22	slovin	slovin	NOUN
ijtc-572	58	23	formula	formula	NOUN
ijtc-572	58	24	.	.	PUNCT
ijtc-572	59	1	the	the	DET
ijtc-572	59	2	slovin	slovin	NOUN
ijtc-572	59	3	formula	formula	NOUN
ijtc-572	59	4	is	be	AUX
ijtc-572	59	5	used	use	VERB
ijtc-572	59	6	to	to	PART
ijtc-572	59	7	reduce	reduce	VERB
ijtc-572	59	8	the	the	DET
ijtc-572	59	9	number	number	NOUN
ijtc-572	59	10	of	of	ADP
ijtc-572	59	11	populations	population	NOUN
ijtc-572	59	12	that	that	PRON
ijtc-572	59	13	are	be	AUX
ijtc-572	59	14	too	too	ADV
ijtc-572	59	15	large	large	ADJ
ijtc-572	59	16	but	but	CCONJ
ijtc-572	59	17	still	still	ADV
ijtc-572	59	18	represent	represent	VERB
ijtc-572	59	19	the	the	DET
ijtc-572	59	20	total	total	ADJ
ijtc-572	59	21	population	population	NOUN
ijtc-572	59	22	of	of	ADP
ijtc-572	59	23	100	100	NUM
ijtc-572	59	24	%	%	NOUN
ijtc-572	59	25	(	(	PUNCT
ijtc-572	59	26	sujarweni	sujarweni	ADJ
ijtc-572	59	27	,	,	PUNCT
ijtc-572	59	28	2015	2015	NUM
ijtc-572	59	29	)	)	PUNCT
ijtc-572	59	30	.	.	PUNCT
ijtc-572	60	1	the	the	DET
ijtc-572	60	2	following	follow	VERB
ijtc-572	60	3	slovin	slovin	NOUN
ijtc-572	60	4	formula	formula	NOUN
ijtc-572	60	5	is	be	AUX
ijtc-572	60	6	used	use	VERB
ijtc-572	60	7	with	with	ADP
ijtc-572	60	8	an	an	DET
ijtc-572	60	9	error	error	NOUN
ijtc-572	60	10	rate	rate	NOUN
ijtc-572	60	11	of	of	ADP
ijtc-572	60	12	5	5	NUM
ijtc-572	60	13	%	%	NOUN
ijtc-572	60	14	.	.	PUNCT
ijtc-572	61	1	the	the	DET
ijtc-572	61	2	data	data	NOUN
ijtc-572	61	3	collection	collection	NOUN
ijtc-572	61	4	technique	technique	NOUN
ijtc-572	61	5	used	use	VERB
ijtc-572	61	6	was	be	AUX
ijtc-572	61	7	the	the	DET
ijtc-572	61	8	distribution	distribution	NOUN
ijtc-572	61	9	of	of	ADP
ijtc-572	61	10	questionnaires	questionnaire	NOUN
ijtc-572	61	11	to	to	ADP
ijtc-572	61	12	the	the	DET
ijtc-572	61	13	people	people	NOUN
ijtc-572	61	14	of	of	ADP
ijtc-572	61	15	lubuklinggau	lubuklinggau	PROPN
ijtc-572	61	16	city	city	PROPN
ijtc-572	61	17	as	as	ADV
ijtc-572	61	18	many	many	ADJ
ijtc-572	61	19	as	as	ADP
ijtc-572	61	20	337	337	NUM
ijtc-572	61	21	micro	micro	NOUN
ijtc-572	61	22	,	,	PUNCT
ijtc-572	61	23	small	small	ADJ
ijtc-572	61	24	and	and	CCONJ
ijtc-572	61	25	medium	medium	ADJ
ijtc-572	61	26	enterprises	enterprise	NOUN
ijtc-572	61	27	(	(	PUNCT
ijtc-572	61	28	msmes	msme	NOUN
ijtc-572	61	29	)	)	PUNCT
ijtc-572	61	30	in	in	ADP
ijtc-572	61	31	lubuklinggau	lubuklinggau	PROPN
ijtc-572	61	32	city	city	PROPN
ijtc-572	61	33	.	.	PUNCT
ijtc-572	62	1	collecting	collect	VERB
ijtc-572	62	2	data	datum	NOUN
ijtc-572	62	3	by	by	ADP
ijtc-572	62	4	distributing	distribute	VERB
ijtc-572	62	5	online	online	ADJ
ijtc-572	62	6	questionnaires	questionnaire	NOUN
ijtc-572	62	7	with	with	ADP
ijtc-572	62	8	smartphones	smartphone	NOUN
ijtc-572	62	9	for	for	ADP
ijtc-572	62	10	3	3	NUM
ijtc-572	62	11	months	month	NOUN
ijtc-572	62	12	.	.	PUNCT
ijtc-572	63	1	in	in	ADP
ijtc-572	63	2	addition	addition	NOUN
ijtc-572	63	3	,	,	PUNCT
ijtc-572	63	4	other	other	ADJ
ijtc-572	63	5	methods	method	NOUN
ijtc-572	63	6	are	be	AUX
ijtc-572	63	7	also	also	ADV
ijtc-572	63	8	carried	carry	VERB
ijtc-572	63	9	out	out	ADP
ijtc-572	63	10	by	by	ADP
ijtc-572	63	11	visiting	visit	VERB
ijtc-572	63	12	the	the	DET
ijtc-572	63	13	owner	owner	NOUN
ijtc-572	63	14	directly	directly	ADV
ijtc-572	63	15	to	to	PART
ijtc-572	63	16	be	be	AUX
ijtc-572	63	17	invited	invite	VERB
ijtc-572	63	18	to	to	PART
ijtc-572	63	19	actively	actively	ADV
ijtc-572	63	20	participate	participate	VERB
ijtc-572	63	21	in	in	ADP
ijtc-572	63	22	providing	provide	VERB
ijtc-572	63	23	information	information	NOUN
ijtc-572	63	24	related	relate	VERB
ijtc-572	63	25	to	to	ADP
ijtc-572	63	26	the	the	DET
ijtc-572	63	27	problem	problem	NOUN
ijtc-572	63	28	under	under	ADP
ijtc-572	63	29	study	study	NOUN
ijtc-572	63	30	.	.	PUNCT
ijtc-572	64	1	table	table	NOUN
ijtc-572	64	2	1	1	NUM
ijtc-572	64	3	.	.	PUNCT
ijtc-572	65	1	definition	definition	NOUN
ijtc-572	65	2	of	of	ADP
ijtc-572	65	3	operational	operational	ADJ
ijtc-572	65	4	variables	variable	NOUN
ijtc-572	65	5	source	source	NOUN
ijtc-572	65	6	:	:	PUNCT
ijtc-572	65	7	primary	primary	ADJ
ijtc-572	65	8	data	datum	NOUN
ijtc-572	65	9	processed	process	VERB
ijtc-572	65	10	(	(	PUNCT
ijtc-572	65	11	2020	2020	NUM
ijtc-572	65	12	)	)	PUNCT
ijtc-572	65	13	the	the	DET
ijtc-572	65	14	analysis	analysis	NOUN
ijtc-572	65	15	technique	technique	NOUN
ijtc-572	65	16	uses	use	VERB
ijtc-572	65	17	quantitative	quantitative	ADJ
ijtc-572	65	18	analysis	analysis	NOUN
ijtc-572	65	19	.	.	PUNCT
ijtc-572	66	1	the	the	DET
ijtc-572	66	2	quantitative	quantitative	ADJ
ijtc-572	66	3	analysis	analysis	NOUN
ijtc-572	66	4	technique	technique	NOUN
ijtc-572	66	5	uses	use	VERB
ijtc-572	66	6	a	a	DET
ijtc-572	66	7	likert	likert	ADJ
ijtc-572	66	8	scale	scale	NOUN
ijtc-572	66	9	with	with	ADP
ijtc-572	66	10	4	4	NUM
ijtc-572	66	11	scales	scale	NOUN
ijtc-572	66	12	to	to	PART
ijtc-572	66	13	measure	measure	VERB
ijtc-572	66	14	each	each	DET
ijtc-572	66	15	element	element	NOUN
ijtc-572	66	16	of	of	ADP
ijtc-572	66	17	the	the	DET
ijtc-572	66	18	indicator	indicator	NOUN
ijtc-572	66	19	.	.	PUNCT
ijtc-572	67	1	data	datum	NOUN
ijtc-572	67	2	analysis	analysis	NOUN
ijtc-572	67	3	using	use	VERB
ijtc-572	67	4	ibm	ibm	PROPN
ijtc-572	67	5	spss	spss	PROPN
ijtc-572	67	6	25	25	NUM
ijtc-572	67	7	.	.	PUNCT
ijtc-572	67	8	includes	include	VERB
ijtc-572	67	9	descriptive	descriptive	ADJ
ijtc-572	67	10	statistics	statistic	NOUN
ijtc-572	67	11	,	,	PUNCT
ijtc-572	67	12	multiple	multiple	ADJ
ijtc-572	67	13	regression	regression	NOUN
ijtc-572	67	14	analysis	analysis	NOUN
ijtc-572	67	15	and	and	CCONJ
ijtc-572	67	16	hypothesis	hypothesis	NOUN
ijtc-572	67	17	testing	testing	NOUN
ijtc-572	67	18	(	(	PUNCT
ijtc-572	67	19	ghozali	ghozali	ADJ
ijtc-572	67	20	,	,	PUNCT
ijtc-572	67	21	2016	2016	NUM
ijtc-572	67	22	)	)	PUNCT
ijtc-572	67	23	.	.	PUNCT
ijtc-572	68	1	influence	influence	NOUN
ijtc-572	68	2	financial	financial	ADJ
ijtc-572	68	3	technology	technology	NOUN
ijtc-572	68	4	,	,	PUNCT
ijtc-572	68	5	financial	financial	ADJ
ijtc-572	68	6	literacy	literacy	NOUN
ijtc-572	68	7	,	,	PUNCT
ijtc-572	68	8	and	and	CCONJ
ijtc-572	68	9	intellectual	intellectual	ADJ
ijtc-572	68	10	capital	capital	NOUN
ijtc-572	68	11	on	on	ADP
ijtc-572	68	12	financial	financial	ADJ
ijtc-572	68	13	inclusion	inclusion	NOUN
ijtc-572	68	14	in	in	ADP
ijtc-572	68	15	micro	micro	PROPN
ijtc-572	68	16	,	,	PUNCT
ijtc-572	68	17	small	small	ADJ
ijtc-572	68	18	and	and	CCONJ
ijtc-572	68	19	medium	medium	ADJ
ijtc-572	68	20	enterprises	enterprise	NOUN
ijtc-572	68	21	(	(	PUNCT
ijtc-572	68	22	msmes	msmes	PROPN
ijtc-572	68	23	)	)	PUNCT
ijtc-572	68	24	martini	martini	NOUN
ijtc-572	68	25	,	,	PUNCT
ijtc-572	68	26	triharyati	triharyati	NOUN
ijtc-572	68	27	,	,	PUNCT
ijtc-572	68	28	and	and	CCONJ
ijtc-572	68	29	rimbano	rimbano	VERB
ijtc-572	68	30	413	413	NUM
ijtc-572	68	31	|	|	ADV
ijtc-572	68	32	ilomata	ilomata	PROPN
ijtc-572	68	33	international	international	ADJ
ijtc-572	68	34	journal	journal	NOUN
ijtc-572	68	35	of	of	ADP
ijtc-572	68	36	tax	tax	PROPN
ijtc-572	68	37	&	&	CCONJ
ijtc-572	68	38	accounting	accounting	PROPN
ijtc-572	68	39	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-572	68	40	175	175	NUM
ijtc-572	68	41	162	162	NUM
ijtc-572	68	42	337	337	NUM
ijtc-572	68	43	0	0	NUM
ijtc-572	68	44	50	50	NUM
ijtc-572	68	45	100	100	NUM
ijtc-572	68	46	150	150	NUM
ijtc-572	68	47	200	200	NUM
ijtc-572	68	48	250	250	NUM
ijtc-572	68	49	300	300	NUM
ijtc-572	68	50	350	350	NUM
ijtc-572	68	51	400	400	NUM
ijtc-572	68	52	perempuan	perempuan	PROPN
ijtc-572	68	53	laki	laki	PROPN
ijtc-572	68	54	laki	laki	PROPN
ijtc-572	68	55	jumlah	jumlah	PROPN
ijtc-572	68	56	gender	gender	PROPN
ijtc-572	68	57	845	845	NUM
ijtc-572	68	58	838	838	NUM
ijtc-572	68	59	707	707	NUM
ijtc-572	68	60	773	773	NUM
ijtc-572	68	61	486	486	NUM
ijtc-572	68	62	675	675	NUM
ijtc-572	68	63	497	497	NUM
ijtc-572	68	64	482	482	NUM
ijtc-572	68	65	5303	5303	NUM
ijtc-572	68	66	0	0	NUM
ijtc-572	68	67	1000	1000	NUM
ijtc-572	68	68	2000	2000	NUM
ijtc-572	68	69	3000	3000	NUM
ijtc-572	68	70	4000	4000	NUM
ijtc-572	68	71	5000	5000	NUM
ijtc-572	68	72	6000	6000	NUM
ijtc-572	68	73	lubuklinggau	lubuklinggau	NOUN
ijtc-572	69	1	barat	barat	PROPN
ijtc-572	69	2	i	i	PRON
ijtc-572	69	3	lubuklinggau	lubuklinggau	VERB
ijtc-572	69	4	barat	barat	PROPN
ijtc-572	69	5	ii	ii	PROPN
ijtc-572	69	6	lubuklinggau	lubuklinggau	PROPN
ijtc-572	69	7	selatan	selatan	PROPN
ijtc-572	70	1	i	i	PRON
ijtc-572	70	2	lubuklinggau	lubuklinggau	VERB
ijtc-572	70	3	selatan	selatan	PROPN
ijtc-572	70	4	ii	ii	PROPN
ijtc-572	70	5	lubuklinggau	lubuklinggau	PROPN
ijtc-572	70	6	timur	timur	PROPN
ijtc-572	71	1	i	i	PRON
ijtc-572	71	2	lubuklinggau	lubuklinggau	VERB
ijtc-572	71	3	timur	timur	PROPN
ijtc-572	71	4	ii	ii	PROPN
ijtc-572	71	5	lubuklinggau	lubuklinggau	PROPN
ijtc-572	71	6	utara	utara	NOUN
ijtc-572	71	7	i	i	PRON
ijtc-572	71	8	lubuklinggau	lubuklinggau	VERB
ijtc-572	71	9	utara	utara	PROPN
ijtc-572	71	10	ii	ii	PROPN
ijtc-572	71	11	total	total	PROPN
ijtc-572	71	12	jumlah	jumlah	PROPN
ijtc-572	71	13	umkm	umkm	ADJ
ijtc-572	71	14	(	(	PUNCT
ijtc-572	71	15	unit	unit	NOUN
ijtc-572	71	16	)	)	PUNCT
ijtc-572	71	17	result	result	NOUN
ijtc-572	71	18	and	and	CCONJ
ijtc-572	71	19	discussion	discussion	NOUN
ijtc-572	71	20	data	datum	NOUN
ijtc-572	71	21	distribution	distribution	NOUN
ijtc-572	71	22	the	the	DET
ijtc-572	71	23	research	research	NOUN
ijtc-572	71	24	data	datum	NOUN
ijtc-572	71	25	was	be	AUX
ijtc-572	71	26	taken	take	VERB
ijtc-572	71	27	from	from	ADP
ijtc-572	71	28	msmes	msme	NOUN
ijtc-572	71	29	registered	register	VERB
ijtc-572	71	30	in	in	ADP
ijtc-572	71	31	lubuklinggau	lubuklinggau	PROPN
ijtc-572	71	32	city	city	PROPN
ijtc-572	71	33	,	,	PUNCT
ijtc-572	71	34	as	as	ADV
ijtc-572	71	35	many	many	ADJ
ijtc-572	71	36	as	as	ADP
ijtc-572	71	37	5,303	5,303	NUM
ijtc-572	71	38	msmes	msme	NOUN
ijtc-572	71	39	registered	register	VERB
ijtc-572	71	40	at	at	ADP
ijtc-572	71	41	the	the	DET
ijtc-572	71	42	cooperatives	cooperative	NOUN
ijtc-572	71	43	and	and	CCONJ
ijtc-572	71	44	micro	micro	NOUN
ijtc-572	71	45	,	,	PUNCT
ijtc-572	71	46	small	small	ADJ
ijtc-572	71	47	and	and	CCONJ
ijtc-572	71	48	medium	medium	ADJ
ijtc-572	71	49	enterprises	enterprise	NOUN
ijtc-572	71	50	office	office	NOUN
ijtc-572	71	51	where	where	SCONJ
ijtc-572	71	52	the	the	DET
ijtc-572	71	53	msmes	msme	NOUN
ijtc-572	71	54	are	be	AUX
ijtc-572	71	55	spread	spread	VERB
ijtc-572	71	56	across	across	ADP
ijtc-572	71	57	eight	eight	NUM
ijtc-572	71	58	sub	sub	NOUN
ijtc-572	71	59	-	-	NOUN
ijtc-572	71	60	districts	district	NOUN
ijtc-572	71	61	,	,	PUNCT
ijtc-572	71	62	as	as	SCONJ
ijtc-572	71	63	shown	show	VERB
ijtc-572	71	64	in	in	ADP
ijtc-572	71	65	the	the	DET
ijtc-572	71	66	following	follow	VERB
ijtc-572	71	67	table	table	NOUN
ijtc-572	71	68	:	:	PUNCT
ijtc-572	71	69	source	source	NOUN
ijtc-572	71	70	:	:	PUNCT
ijtc-572	71	71	primary	primary	ADJ
ijtc-572	71	72	data	datum	NOUN
ijtc-572	71	73	processing	processing	NOUN
ijtc-572	71	74	,	,	PUNCT
ijtc-572	71	75	2022	2022	NUM
ijtc-572	71	76	figure	figure	NOUN
ijtc-572	71	77	2	2	NUM
ijtc-572	71	78	.	.	PUNCT
ijtc-572	72	1	research	research	NOUN
ijtc-572	72	2	population	population	NOUN
ijtc-572	72	3	table	table	NOUN
ijtc-572	72	4	2	2	NUM
ijtc-572	72	5	.	.	PUNCT
ijtc-572	73	1	msme	msme	NOUN
ijtc-572	73	2	research	research	NOUN
ijtc-572	73	3	samples	sample	NOUN
ijtc-572	73	4	in	in	ADP
ijtc-572	73	5	lubuklinggau	lubuklinggau	PROPN
ijtc-572	73	6	city	city	PROPN
ijtc-572	73	7	complete	complete	ADJ
ijtc-572	73	8	with	with	ADP
ijtc-572	73	9	business	business	NOUN
ijtc-572	73	10	license	license	NOUN
ijtc-572	73	11	2.150	2.150	NUM
ijtc-572	73	12	research	research	NOUN
ijtc-572	73	13	sample	sample	NOUN
ijtc-572	73	14	(	(	PUNCT
ijtc-572	73	15	slovin	slovin	NOUN
ijtc-572	73	16	formula	formula	NOUN
ijtc-572	73	17	)	)	PUNCT
ijtc-572	73	18	337	337	NUM
ijtc-572	73	19	source	source	NOUN
ijtc-572	73	20	:	:	PUNCT
ijtc-572	73	21	sujarweni	sujarweni	PROPN
ijtc-572	73	22	,	,	PUNCT
ijtc-572	73	23	2015	2015	NUM
ijtc-572	73	24	the	the	DET
ijtc-572	73	25	sample	sample	NOUN
ijtc-572	73	26	of	of	ADP
ijtc-572	73	27	this	this	DET
ijtc-572	73	28	study	study	NOUN
ijtc-572	73	29	was	be	AUX
ijtc-572	73	30	337	337	NUM
ijtc-572	73	31	micro	micro	NOUN
ijtc-572	73	32	,	,	PUNCT
ijtc-572	73	33	small	small	ADJ
ijtc-572	73	34	and	and	CCONJ
ijtc-572	73	35	medium	medium	ADJ
ijtc-572	73	36	enterprises	enterprise	NOUN
ijtc-572	73	37	(	(	PUNCT
ijtc-572	73	38	msmes	msme	NOUN
ijtc-572	73	39	)	)	PUNCT
ijtc-572	73	40	which	which	PRON
ijtc-572	73	41	were	be	AUX
ijtc-572	73	42	determined	determine	VERB
ijtc-572	73	43	by	by	ADP
ijtc-572	73	44	the	the	DET
ijtc-572	73	45	slovin	slovin	NOUN
ijtc-572	73	46	formula	formula	NOUN
ijtc-572	73	47	.	.	PUNCT
ijtc-572	74	1	the	the	DET
ijtc-572	74	2	slovin	slovin	NOUN
ijtc-572	74	3	formula	formula	NOUN
ijtc-572	74	4	is	be	AUX
ijtc-572	74	5	used	use	VERB
ijtc-572	74	6	to	to	PART
ijtc-572	74	7	reduce	reduce	VERB
ijtc-572	74	8	the	the	DET
ijtc-572	74	9	number	number	NOUN
ijtc-572	74	10	of	of	ADP
ijtc-572	74	11	populations	population	NOUN
ijtc-572	74	12	that	that	PRON
ijtc-572	74	13	are	be	AUX
ijtc-572	74	14	too	too	ADV
ijtc-572	74	15	large	large	ADJ
ijtc-572	74	16	but	but	CCONJ
ijtc-572	74	17	still	still	ADV
ijtc-572	74	18	represent	represent	VERB
ijtc-572	74	19	the	the	DET
ijtc-572	74	20	total	total	ADJ
ijtc-572	74	21	population	population	NOUN
ijtc-572	74	22	of	of	ADP
ijtc-572	74	23	100	100	NUM
ijtc-572	74	24	%	%	NOUN
ijtc-572	74	25	(	(	PUNCT
ijtc-572	74	26	sujarweni	sujarweni	ADJ
ijtc-572	74	27	,	,	PUNCT
ijtc-572	74	28	2015	2015	NUM
ijtc-572	74	29	)	)	PUNCT
ijtc-572	74	30	.	.	PUNCT
ijtc-572	75	1	source	source	NOUN
ijtc-572	75	2	:	:	PUNCT
ijtc-572	75	3	primary	primary	ADJ
ijtc-572	75	4	data	datum	NOUN
ijtc-572	75	5	processing	processing	NOUN
ijtc-572	75	6	,	,	PUNCT
ijtc-572	75	7	2022	2022	NUM
ijtc-572	75	8	influence	influence	NOUN
ijtc-572	75	9	financial	financial	ADJ
ijtc-572	75	10	technology	technology	NOUN
ijtc-572	75	11	,	,	PUNCT
ijtc-572	75	12	financial	financial	ADJ
ijtc-572	75	13	literacy	literacy	NOUN
ijtc-572	75	14	,	,	PUNCT
ijtc-572	75	15	and	and	CCONJ
ijtc-572	75	16	intellectual	intellectual	ADJ
ijtc-572	75	17	capital	capital	NOUN
ijtc-572	75	18	on	on	ADP
ijtc-572	75	19	financial	financial	ADJ
ijtc-572	75	20	inclusion	inclusion	NOUN
ijtc-572	75	21	in	in	ADP
ijtc-572	75	22	micro	micro	PROPN
ijtc-572	75	23	,	,	PUNCT
ijtc-572	75	24	small	small	ADJ
ijtc-572	75	25	and	and	CCONJ
ijtc-572	75	26	medium	medium	ADJ
ijtc-572	75	27	enterprises	enterprise	NOUN
ijtc-572	75	28	(	(	PUNCT
ijtc-572	75	29	msmes	msmes	PROPN
ijtc-572	75	30	)	)	PUNCT
ijtc-572	75	31	martini	martini	NOUN
ijtc-572	75	32	,	,	PUNCT
ijtc-572	75	33	triharyati	triharyati	NOUN
ijtc-572	75	34	,	,	PUNCT
ijtc-572	75	35	and	and	CCONJ
ijtc-572	75	36	rimbano	rimbano	VERB
ijtc-572	75	37	414	414	NUM
ijtc-572	75	38	|	|	ADV
ijtc-572	75	39	ilomata	ilomata	PROPN
ijtc-572	75	40	international	international	ADJ
ijtc-572	75	41	journal	journal	NOUN
ijtc-572	75	42	of	of	ADP
ijtc-572	75	43	tax	tax	PROPN
ijtc-572	75	44	&	&	CCONJ
ijtc-572	75	45	accounting	accounting	PROPN
ijtc-572	75	46	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-572	75	47	1	1	NUM
ijtc-572	75	48	38	38	NUM
ijtc-572	75	49	298	298	NUM
ijtc-572	75	50	337	337	NUM
ijtc-572	75	51	0	0	NUM
ijtc-572	75	52	50	50	NUM
ijtc-572	75	53	100	100	NUM
ijtc-572	75	54	150	150	NUM
ijtc-572	75	55	200	200	NUM
ijtc-572	75	56	250	250	NUM
ijtc-572	75	57	300	300	NUM
ijtc-572	75	58	350	350	NUM
ijtc-572	75	59	400	400	NUM
ijtc-572	75	60	magister	magister	NOUN
ijtc-572	75	61	sarjana	sarjana	PROPN
ijtc-572	75	62	sma	sma	VERB
ijtc-572	75	63	jumlah	jumlah	PROPN
ijtc-572	75	64	educational	educational	ADJ
ijtc-572	75	65	stage	stage	NOUN
ijtc-572	75	66	figure	figure	NOUN
ijtc-572	75	67	3	3	NUM
ijtc-572	75	68	.	.	PUNCT
ijtc-572	76	1	respondent	respondent	PROPN
ijtc-572	76	2	's	's	PART
ijtc-572	76	3	gender	gender	NOUN
ijtc-572	76	4	respondents	respondent	NOUN
ijtc-572	76	5	consisted	consist	VERB
ijtc-572	76	6	of	of	ADP
ijtc-572	76	7	175	175	NUM
ijtc-572	76	8	women	woman	NOUN
ijtc-572	76	9	and	and	CCONJ
ijtc-572	76	10	162	162	NUM
ijtc-572	76	11	men	man	NOUN
ijtc-572	76	12	,	,	PUNCT
ijtc-572	76	13	with	with	ADP
ijtc-572	76	14	an	an	DET
ijtc-572	76	15	average	average	ADJ
ijtc-572	76	16	age	age	NOUN
ijtc-572	76	17	of	of	ADP
ijtc-572	76	18	20	20	NUM
ijtc-572	76	19	to	to	PART
ijtc-572	76	20	59	59	NUM
ijtc-572	76	21	years	year	NOUN
ijtc-572	76	22	.	.	PUNCT
ijtc-572	77	1	source	source	NOUN
ijtc-572	77	2	:	:	PUNCT
ijtc-572	77	3	primary	primary	ADJ
ijtc-572	77	4	data	datum	NOUN
ijtc-572	77	5	processing	processing	NOUN
ijtc-572	77	6	,	,	PUNCT
ijtc-572	77	7	2022	2022	NUM
ijtc-572	77	8	figure	figure	NOUN
ijtc-572	77	9	4	4	NUM
ijtc-572	77	10	.	.	PUNCT
ijtc-572	78	1	respondent	respondent	NOUN
ijtc-572	78	2	's	's	PART
ijtc-572	78	3	education	education	NOUN
ijtc-572	78	4	level	level	NOUN
ijtc-572	78	5	there	there	PRON
ijtc-572	78	6	are	be	VERB
ijtc-572	78	7	298	298	NUM
ijtc-572	78	8	respondents	respondent	NOUN
ijtc-572	78	9	in	in	ADP
ijtc-572	78	10	sma	sma	NOUN
ijtc-572	78	11	and	and	CCONJ
ijtc-572	78	12	equivalent	equivalent	ADJ
ijtc-572	78	13	education	education	NOUN
ijtc-572	78	14	,	,	PUNCT
ijtc-572	78	15	38	38	NUM
ijtc-572	78	16	respondents	respondent	NOUN
ijtc-572	78	17	for	for	ADP
ijtc-572	78	18	bachelors	bachelor	NOUN
ijtc-572	78	19	and	and	CCONJ
ijtc-572	78	20	1	1	NUM
ijtc-572	78	21	respondent	respondent	NOUN
ijtc-572	78	22	for	for	ADP
ijtc-572	78	23	masters	master	NOUN
ijtc-572	78	24	.	.	PUNCT
ijtc-572	79	1	linear	linear	ADJ
ijtc-572	79	2	regression	regression	NOUN
ijtc-572	79	3	analysis	analysis	NOUN
ijtc-572	79	4	financial	financial	ADJ
ijtc-572	79	5	technology	technology	NOUN
ijtc-572	79	6	data	datum	NOUN
ijtc-572	79	7	analysis	analysis	NOUN
ijtc-572	79	8	x1	x1	PRON
ijtc-572	79	9	on	on	ADP
ijtc-572	79	10	financial	financial	ADJ
ijtc-572	79	11	inclusion	inclusion	NOUN
ijtc-572	79	12	y	y	PROPN
ijtc-572	79	13	for	for	ADP
ijtc-572	79	14	simple	simple	ADJ
ijtc-572	79	15	linear	linear	ADJ
ijtc-572	79	16	regression	regression	NOUN
ijtc-572	79	17	shows	show	VERB
ijtc-572	79	18	the	the	DET
ijtc-572	79	19	regression	regression	NOUN
ijtc-572	79	20	equation	equation	NOUN
ijtc-572	79	21	,	,	PUNCT
ijtc-572	79	22	namely	namely	ADV
ijtc-572	79	23	y	y	NOUN
ijtc-572	79	24	=	=	PUNCT
ijtc-572	79	25	24,868	24,868	NUM
ijtc-572	79	26	+	+	CCONJ
ijtc-572	80	1	0,347	0,347	NUM
ijtc-572	80	2	x1	x1	NUM
ijtc-572	80	3	.	.	PUNCT
ijtc-572	81	1	then	then	ADV
ijtc-572	81	2	,	,	PUNCT
ijtc-572	81	3	the	the	DET
ijtc-572	81	4	table	table	NOUN
ijtc-572	81	5	of	of	ADP
ijtc-572	81	6	results	result	NOUN
ijtc-572	81	7	of	of	ADP
ijtc-572	81	8	financial	financial	ADJ
ijtc-572	81	9	technology	technology	NOUN
ijtc-572	81	10	data	datum	NOUN
ijtc-572	81	11	analysis	analysis	NOUN
ijtc-572	81	12	on	on	ADP
ijtc-572	81	13	financial	financial	ADJ
ijtc-572	81	14	inclusion	inclusion	NOUN
ijtc-572	81	15	for	for	ADP
ijtc-572	81	16	the	the	DET
ijtc-572	81	17	t	t	NOUN
ijtc-572	81	18	-	-	PUNCT
ijtc-572	81	19	test	test	NOUN
ijtc-572	81	20	of	of	ADP
ijtc-572	81	21	the	the	DET
ijtc-572	81	22	financial	financial	ADJ
ijtc-572	81	23	technology	technology	NOUN
ijtc-572	81	24	(	(	PUNCT
ijtc-572	81	25	x1	x1	ADJ
ijtc-572	81	26	)	)	PUNCT
ijtc-572	81	27	variable	variable	NOUN
ijtc-572	81	28	on	on	ADP
ijtc-572	81	29	financial	financial	ADJ
ijtc-572	81	30	inclusion	inclusion	NOUN
ijtc-572	81	31	(	(	PUNCT
ijtc-572	81	32	y	y	NOUN
ijtc-572	81	33	)	)	PUNCT
ijtc-572	81	34	obtained	obtain	VERB
ijtc-572	81	35	the	the	DET
ijtc-572	81	36	value	value	NOUN
ijtc-572	81	37	of	of	ADP
ijtc-572	81	38	tcount	tcount	NOUN
ijtc-572	81	39	=	=	SYM
ijtc-572	81	40	9,670	9,670	NUM
ijtc-572	81	41	which	which	PRON
ijtc-572	81	42	is	be	AUX
ijtc-572	81	43	greater	great	ADJ
ijtc-572	81	44	than	than	ADP
ijtc-572	81	45	the	the	DET
ijtc-572	81	46	value	value	NOUN
ijtc-572	81	47	of	of	ADP
ijtc-572	81	48	ttable	ttable	ADJ
ijtc-572	81	49	(	(	PUNCT
ijtc-572	81	50	337	337	NUM
ijtc-572	81	51	-	-	SYM
ijtc-572	81	52	1=336	1=336	NUM
ijtc-572	81	53	)	)	PUNCT
ijtc-572	81	54	=	=	NOUN
ijtc-572	81	55	1,652	1,652	NUM
ijtc-572	81	56	with	with	ADP
ijtc-572	81	57	a	a	DET
ijtc-572	81	58	significant	significant	ADJ
ijtc-572	81	59	value	value	NOUN
ijtc-572	81	60	of	of	ADP
ijtc-572	81	61	0.000	0.000	NUM
ijtc-572	81	62	<	<	X
ijtc-572	81	63	0.05	0.05	NUM
ijtc-572	81	64	.	.	PUNCT
ijtc-572	82	1	this	this	PRON
ijtc-572	82	2	means	mean	VERB
ijtc-572	82	3	that	that	SCONJ
ijtc-572	82	4	the	the	DET
ijtc-572	82	5	financial	financial	ADJ
ijtc-572	82	6	technology	technology	NOUN
ijtc-572	82	7	(	(	PUNCT
ijtc-572	82	8	x1	x1	ADJ
ijtc-572	82	9	)	)	PUNCT
ijtc-572	82	10	variable	variable	NOUN
ijtc-572	82	11	has	have	VERB
ijtc-572	82	12	a	a	DET
ijtc-572	82	13	partially	partially	ADV
ijtc-572	82	14	significant	significant	ADJ
ijtc-572	82	15	effect	effect	NOUN
ijtc-572	82	16	on	on	ADP
ijtc-572	82	17	financial	financial	ADJ
ijtc-572	82	18	inclusion	inclusion	NOUN
ijtc-572	82	19	(	(	PUNCT
ijtc-572	82	20	y	y	NOUN
ijtc-572	82	21	)	)	PUNCT
ijtc-572	82	22	.	.	PUNCT
ijtc-572	83	1	the	the	DET
ijtc-572	83	2	results	result	NOUN
ijtc-572	83	3	of	of	ADP
ijtc-572	83	4	x2	x2	ADJ
ijtc-572	83	5	financial	financial	ADJ
ijtc-572	83	6	literacy	literacy	NOUN
ijtc-572	83	7	data	datum	NOUN
ijtc-572	83	8	analysis	analysis	NOUN
ijtc-572	83	9	on	on	ADP
ijtc-572	83	10	financial	financial	ADJ
ijtc-572	83	11	inclusion	inclusion	NOUN
ijtc-572	83	12	y	y	PROPN
ijtc-572	83	13	for	for	ADP
ijtc-572	83	14	simple	simple	ADJ
ijtc-572	83	15	linear	linear	ADJ
ijtc-572	83	16	regression	regression	NOUN
ijtc-572	83	17	shows	show	VERB
ijtc-572	83	18	the	the	DET
ijtc-572	83	19	regression	regression	NOUN
ijtc-572	83	20	equation	equation	NOUN
ijtc-572	83	21	,	,	PUNCT
ijtc-572	83	22	namely	namely	ADV
ijtc-572	83	23	y	y	NOUN
ijtc-572	83	24	=	=	PUNCT
ijtc-572	83	25	28.095	28.095	NUM
ijtc-572	83	26	+	+	CCONJ
ijtc-572	83	27	0.263	0.263	NUM
ijtc-572	83	28	x2	x2	NUM
ijtc-572	83	29	.	.	PUNCT
ijtc-572	84	1	then	then	ADV
ijtc-572	84	2	,	,	PUNCT
ijtc-572	84	3	the	the	DET
ijtc-572	84	4	table	table	NOUN
ijtc-572	84	5	of	of	ADP
ijtc-572	84	6	results	result	NOUN
ijtc-572	84	7	of	of	ADP
ijtc-572	84	8	data	datum	NOUN
ijtc-572	84	9	analysis	analysis	NOUN
ijtc-572	84	10	of	of	ADP
ijtc-572	84	11	financial	financial	ADJ
ijtc-572	84	12	literacy	literacy	NOUN
ijtc-572	84	13	on	on	ADP
ijtc-572	84	14	financial	financial	ADJ
ijtc-572	84	15	inclusion	inclusion	NOUN
ijtc-572	84	16	for	for	ADP
ijtc-572	84	17	the	the	DET
ijtc-572	84	18	t	t	NOUN
ijtc-572	84	19	-	-	PUNCT
ijtc-572	84	20	test	test	NOUN
ijtc-572	84	21	of	of	ADP
ijtc-572	84	22	the	the	DET
ijtc-572	84	23	financial	financial	ADJ
ijtc-572	84	24	literacy	literacy	NOUN
ijtc-572	84	25	variable	variable	NOUN
ijtc-572	84	26	(	(	PUNCT
ijtc-572	84	27	x2	x2	PROPN
ijtc-572	84	28	)	)	PUNCT
ijtc-572	84	29	on	on	ADP
ijtc-572	84	30	financial	financial	ADJ
ijtc-572	84	31	inclusion	inclusion	NOUN
ijtc-572	84	32	(	(	PUNCT
ijtc-572	84	33	y	y	NOUN
ijtc-572	84	34	)	)	PUNCT
ijtc-572	84	35	obtained	obtain	VERB
ijtc-572	84	36	the	the	DET
ijtc-572	84	37	value	value	NOUN
ijtc-572	84	38	of	of	ADP
ijtc-572	84	39	tcount	tcount	NOUN
ijtc-572	84	40	=	=	NOUN
ijtc-572	84	41	7,123	7,123	NUM
ijtc-572	84	42	greater	great	ADJ
ijtc-572	84	43	than	than	ADP
ijtc-572	84	44	the	the	DET
ijtc-572	84	45	value	value	NOUN
ijtc-572	84	46	of	of	ADP
ijtc-572	84	47	ttable	ttable	ADJ
ijtc-572	84	48	(	(	PUNCT
ijtc-572	84	49	337	337	NUM
ijtc-572	84	50	-	-	SYM
ijtc-572	84	51	1=336	1=336	NUM
ijtc-572	84	52	)	)	PUNCT
ijtc-572	84	53	=	=	NOUN
ijtc-572	84	54	1,652	1,652	NUM
ijtc-572	84	55	with	with	ADP
ijtc-572	84	56	a	a	DET
ijtc-572	84	57	significant	significant	ADJ
ijtc-572	84	58	value	value	NOUN
ijtc-572	84	59	of	of	ADP
ijtc-572	84	60	0.000	0.000	NUM
ijtc-572	84	61	<	<	X
ijtc-572	84	62	0.05	0.05	NUM
ijtc-572	84	63	.	.	PUNCT
ijtc-572	85	1	this	this	PRON
ijtc-572	85	2	means	mean	VERB
ijtc-572	85	3	that	that	SCONJ
ijtc-572	85	4	the	the	DET
ijtc-572	85	5	financial	financial	ADJ
ijtc-572	85	6	literacy	literacy	NOUN
ijtc-572	85	7	variable	variable	NOUN
ijtc-572	85	8	(	(	PUNCT
ijtc-572	85	9	x2	x2	PROPN
ijtc-572	85	10	)	)	PUNCT
ijtc-572	85	11	has	have	VERB
ijtc-572	85	12	a	a	DET
ijtc-572	85	13	partially	partially	ADV
ijtc-572	85	14	significant	significant	ADJ
ijtc-572	85	15	effect	effect	NOUN
ijtc-572	85	16	on	on	ADP
ijtc-572	85	17	financial	financial	ADJ
ijtc-572	85	18	inclusion	inclusion	NOUN
ijtc-572	85	19	(	(	PUNCT
ijtc-572	85	20	y	y	NOUN
ijtc-572	85	21	)	)	PUNCT
ijtc-572	85	22	.	.	PUNCT
ijtc-572	86	1	results	result	NOUN
ijtc-572	86	2	of	of	ADP
ijtc-572	86	3	data	datum	NOUN
ijtc-572	86	4	analysis	analysis	NOUN
ijtc-572	86	5	of	of	ADP
ijtc-572	86	6	intellectual	intellectual	ADJ
ijtc-572	86	7	capital	capital	NOUN
ijtc-572	86	8	x3	x3	ADJ
ijtc-572	86	9	on	on	ADP
ijtc-572	86	10	financial	financial	ADJ
ijtc-572	86	11	inclusion	inclusion	NOUN
ijtc-572	86	12	y	y	PROPN
ijtc-572	86	13	for	for	ADP
ijtc-572	86	14	simple	simple	ADJ
ijtc-572	86	15	linear	linear	ADJ
ijtc-572	86	16	regression	regression	NOUN
ijtc-572	86	17	shows	show	VERB
ijtc-572	86	18	the	the	DET
ijtc-572	86	19	regression	regression	NOUN
ijtc-572	86	20	equation	equation	NOUN
ijtc-572	86	21	,	,	PUNCT
ijtc-572	86	22	namely	namely	ADV
ijtc-572	86	23	y	y	NOUN
ijtc-572	86	24	=	=	PUNCT
ijtc-572	87	1	25.399	25.399	NUM
ijtc-572	87	2	+	+	CCONJ
ijtc-572	87	3	0.332	0.332	NUM
ijtc-572	87	4	x3	x3	ADJ
ijtc-572	87	5	.	.	PUNCT
ijtc-572	88	1	then	then	ADV
ijtc-572	88	2	,	,	PUNCT
ijtc-572	88	3	the	the	DET
ijtc-572	88	4	table	table	NOUN
ijtc-572	88	5	of	of	ADP
ijtc-572	88	6	results	result	NOUN
ijtc-572	88	7	of	of	ADP
ijtc-572	88	8	data	datum	NOUN
ijtc-572	88	9	analysis	analysis	NOUN
ijtc-572	88	10	of	of	ADP
ijtc-572	88	11	intellectual	intellectual	ADJ
ijtc-572	88	12	capital	capital	NOUN
ijtc-572	88	13	on	on	ADP
ijtc-572	88	14	financial	financial	ADJ
ijtc-572	88	15	inclusion	inclusion	NOUN
ijtc-572	88	16	for	for	ADP
ijtc-572	88	17	the	the	DET
ijtc-572	88	18	t	t	NOUN
ijtc-572	88	19	-	-	PUNCT
ijtc-572	88	20	test	test	NOUN
ijtc-572	88	21	of	of	ADP
ijtc-572	88	22	the	the	DET
ijtc-572	88	23	intellectual	intellectual	ADJ
ijtc-572	88	24	capital	capital	NOUN
ijtc-572	88	25	(	(	PUNCT
ijtc-572	88	26	x3	x3	ADJ
ijtc-572	88	27	)	)	PUNCT
ijtc-572	88	28	variable	variable	NOUN
ijtc-572	88	29	on	on	ADP
ijtc-572	88	30	financial	financial	ADJ
ijtc-572	88	31	inclusion	inclusion	NOUN
ijtc-572	88	32	(	(	PUNCT
ijtc-572	88	33	y	y	NOUN
ijtc-572	88	34	)	)	PUNCT
ijtc-572	88	35	obtained	obtain	VERB
ijtc-572	88	36	the	the	DET
ijtc-572	88	37	value	value	NOUN
ijtc-572	88	38	of	of	ADP
ijtc-572	88	39	tcount	tcount	NOUN
ijtc-572	88	40	=	=	SYM
ijtc-572	88	41	9.487	9.487	NUM
ijtc-572	88	42	which	which	PRON
ijtc-572	88	43	is	be	AUX
ijtc-572	88	44	greater	great	ADJ
ijtc-572	88	45	than	than	ADP
ijtc-572	88	46	the	the	DET
ijtc-572	88	47	value	value	NOUN
ijtc-572	88	48	of	of	ADP
ijtc-572	88	49	ttable	ttable	ADJ
ijtc-572	88	50	(	(	PUNCT
ijtc-572	88	51	337	337	NUM
ijtc-572	88	52	-	-	SYM
ijtc-572	88	53	1=336	1=336	NUM
ijtc-572	88	54	)	)	PUNCT
ijtc-572	88	55	=	=	NOUN
ijtc-572	88	56	1.652	1.652	NUM
ijtc-572	88	57	with	with	ADP
ijtc-572	88	58	a	a	DET
ijtc-572	88	59	significant	significant	ADJ
ijtc-572	88	60	value	value	NOUN
ijtc-572	88	61	of	of	ADP
ijtc-572	88	62	0.000	0.000	NUM
ijtc-572	88	63	<	<	X
ijtc-572	88	64	0.05	0.05	NUM
ijtc-572	88	65	.	.	PUNCT
ijtc-572	89	1	influence	influence	NOUN
ijtc-572	89	2	financial	financial	ADJ
ijtc-572	89	3	technology	technology	NOUN
ijtc-572	89	4	,	,	PUNCT
ijtc-572	89	5	financial	financial	ADJ
ijtc-572	89	6	literacy	literacy	NOUN
ijtc-572	89	7	,	,	PUNCT
ijtc-572	89	8	and	and	CCONJ
ijtc-572	89	9	intellectual	intellectual	ADJ
ijtc-572	89	10	capital	capital	NOUN
ijtc-572	89	11	on	on	ADP
ijtc-572	89	12	financial	financial	ADJ
ijtc-572	89	13	inclusion	inclusion	NOUN
ijtc-572	89	14	in	in	ADP
ijtc-572	89	15	micro	micro	PROPN
ijtc-572	89	16	,	,	PUNCT
ijtc-572	89	17	small	small	ADJ
ijtc-572	89	18	and	and	CCONJ
ijtc-572	89	19	medium	medium	ADJ
ijtc-572	89	20	enterprises	enterprise	NOUN
ijtc-572	89	21	(	(	PUNCT
ijtc-572	89	22	msmes	msmes	PROPN
ijtc-572	89	23	)	)	PUNCT
ijtc-572	89	24	martini	martini	NOUN
ijtc-572	89	25	,	,	PUNCT
ijtc-572	89	26	triharyati	triharyati	NOUN
ijtc-572	89	27	,	,	PUNCT
ijtc-572	89	28	and	and	CCONJ
ijtc-572	89	29	rimbano	rimbano	VERB
ijtc-572	89	30	415	415	NUM
ijtc-572	89	31	|	|	ADV
ijtc-572	89	32	ilomata	ilomata	PROPN
ijtc-572	89	33	international	international	ADJ
ijtc-572	89	34	journal	journal	NOUN
ijtc-572	89	35	of	of	ADP
ijtc-572	89	36	tax	tax	PROPN
ijtc-572	89	37	&	&	CCONJ
ijtc-572	89	38	accounting	accounting	PROPN
ijtc-572	89	39	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-572	89	40	that	that	PRON
ijtc-572	89	41	is	be	AUX
ijtc-572	89	42	,	,	PUNCT
ijtc-572	89	43	the	the	DET
ijtc-572	89	44	variable	variable	ADJ
ijtc-572	89	45	intellectual	intellectual	ADJ
ijtc-572	89	46	capital	capital	NOUN
ijtc-572	89	47	(	(	PUNCT
ijtc-572	89	48	x3	x3	ADJ
ijtc-572	89	49	)	)	PUNCT
ijtc-572	89	50	has	have	VERB
ijtc-572	89	51	a	a	DET
ijtc-572	89	52	partially	partially	ADV
ijtc-572	89	53	significant	significant	ADJ
ijtc-572	89	54	effect	effect	NOUN
ijtc-572	89	55	on	on	ADP
ijtc-572	89	56	financial	financial	ADJ
ijtc-572	89	57	inclusion	inclusion	NOUN
ijtc-572	89	58	(	(	PUNCT
ijtc-572	89	59	y	y	NOUN
ijtc-572	89	60	)	)	PUNCT
ijtc-572	89	61	.	.	PUNCT
ijtc-572	90	1	results	result	NOUN
ijtc-572	90	2	of	of	ADP
ijtc-572	90	3	data	datum	NOUN
ijtc-572	90	4	analysis	analysis	NOUN
ijtc-572	90	5	of	of	ADP
ijtc-572	90	6	intellectual	intellectual	ADJ
ijtc-572	90	7	capital	capital	NOUN
ijtc-572	90	8	x3	x3	ADJ
ijtc-572	90	9	on	on	ADP
ijtc-572	90	10	financial	financial	ADJ
ijtc-572	90	11	inclusion	inclusion	NOUN
ijtc-572	90	12	y	y	PROPN
ijtc-572	90	13	in	in	ADP
ijtc-572	90	14	for	for	ADP
ijtc-572	90	15	simple	simple	ADJ
ijtc-572	90	16	linear	linear	ADJ
ijtc-572	90	17	regression	regression	NOUN
ijtc-572	90	18	shows	show	VERB
ijtc-572	90	19	the	the	DET
ijtc-572	90	20	regression	regression	NOUN
ijtc-572	90	21	equation	equation	NOUN
ijtc-572	90	22	,	,	PUNCT
ijtc-572	90	23	namely	namely	ADV
ijtc-572	90	24	y	y	NOUN
ijtc-572	91	1	=	=	PUNCT
ijtc-572	92	1	25.399	25.399	NUM
ijtc-572	92	2	+	+	CCONJ
ijtc-572	92	3	0.332	0.332	NUM
ijtc-572	92	4	x3	x3	ADJ
ijtc-572	92	5	.	.	PUNCT
ijtc-572	93	1	then	then	ADV
ijtc-572	93	2	,	,	PUNCT
ijtc-572	93	3	the	the	DET
ijtc-572	93	4	table	table	NOUN
ijtc-572	93	5	of	of	ADP
ijtc-572	93	6	results	result	NOUN
ijtc-572	93	7	of	of	ADP
ijtc-572	93	8	data	datum	NOUN
ijtc-572	93	9	analysis	analysis	NOUN
ijtc-572	93	10	of	of	ADP
ijtc-572	93	11	intellectual	intellectual	ADJ
ijtc-572	93	12	capital	capital	NOUN
ijtc-572	93	13	on	on	ADP
ijtc-572	93	14	financial	financial	ADJ
ijtc-572	93	15	inclusion	inclusion	NOUN
ijtc-572	93	16	for	for	ADP
ijtc-572	93	17	the	the	DET
ijtc-572	93	18	t	t	NOUN
ijtc-572	93	19	-	-	PUNCT
ijtc-572	93	20	test	test	NOUN
ijtc-572	93	21	of	of	ADP
ijtc-572	93	22	the	the	DET
ijtc-572	93	23	intellectual	intellectual	ADJ
ijtc-572	93	24	capital	capital	NOUN
ijtc-572	93	25	(	(	PUNCT
ijtc-572	93	26	x3	x3	ADJ
ijtc-572	93	27	)	)	PUNCT
ijtc-572	93	28	variable	variable	NOUN
ijtc-572	93	29	on	on	ADP
ijtc-572	93	30	financial	financial	ADJ
ijtc-572	93	31	inclusion	inclusion	NOUN
ijtc-572	93	32	(	(	PUNCT
ijtc-572	93	33	y	y	NOUN
ijtc-572	93	34	)	)	PUNCT
ijtc-572	93	35	obtained	obtain	VERB
ijtc-572	93	36	the	the	DET
ijtc-572	93	37	value	value	NOUN
ijtc-572	93	38	of	of	ADP
ijtc-572	93	39	tcount	tcount	NOUN
ijtc-572	93	40	=	=	SYM
ijtc-572	93	41	9.487	9.487	NUM
ijtc-572	93	42	which	which	PRON
ijtc-572	93	43	is	be	AUX
ijtc-572	93	44	greater	great	ADJ
ijtc-572	93	45	than	than	ADP
ijtc-572	93	46	the	the	DET
ijtc-572	93	47	value	value	NOUN
ijtc-572	93	48	of	of	ADP
ijtc-572	93	49	ttable	ttable	ADJ
ijtc-572	93	50	(	(	PUNCT
ijtc-572	93	51	337	337	NUM
ijtc-572	93	52	-	-	SYM
ijtc-572	93	53	1=336	1=336	NUM
ijtc-572	93	54	)	)	PUNCT
ijtc-572	93	55	=	=	NOUN
ijtc-572	93	56	1.652	1.652	NUM
ijtc-572	93	57	with	with	ADP
ijtc-572	93	58	a	a	DET
ijtc-572	93	59	significant	significant	ADJ
ijtc-572	93	60	value	value	NOUN
ijtc-572	93	61	of	of	ADP
ijtc-572	93	62	0.000	0.000	NUM
ijtc-572	93	63	<	<	X
ijtc-572	93	64	0.05	0.05	NUM
ijtc-572	93	65	.	.	PUNCT
ijtc-572	94	1	that	that	PRON
ijtc-572	94	2	is	is	ADV
ijtc-572	94	3	,	,	PUNCT
ijtc-572	94	4	the	the	DET
ijtc-572	94	5	variable	variable	ADJ
ijtc-572	94	6	intellectual	intellectual	ADJ
ijtc-572	94	7	capital	capital	NOUN
ijtc-572	94	8	(	(	PUNCT
ijtc-572	94	9	x3	x3	ADJ
ijtc-572	94	10	)	)	PUNCT
ijtc-572	94	11	has	have	VERB
ijtc-572	94	12	a	a	DET
ijtc-572	94	13	partially	partially	ADV
ijtc-572	94	14	significant	significant	ADJ
ijtc-572	94	15	effect	effect	NOUN
ijtc-572	94	16	on	on	ADP
ijtc-572	94	17	financial	financial	ADJ
ijtc-572	94	18	inclusion	inclusion	NOUN
ijtc-572	94	19	(	(	PUNCT
ijtc-572	94	20	y	y	NOUN
ijtc-572	94	21	)	)	PUNCT
ijtc-572	94	22	.	.	PUNCT
ijtc-572	95	1	effect	effect	NOUN
ijtc-572	95	2	of	of	ADP
ijtc-572	95	3	financial	financial	ADJ
ijtc-572	95	4	technology	technology	NOUN
ijtc-572	95	5	(	(	PUNCT
ijtc-572	95	6	x1	x1	PROPN
ijtc-572	95	7	)	)	PUNCT
ijtc-572	95	8	on	on	ADP
ijtc-572	95	9	financial	financial	ADJ
ijtc-572	95	10	inclusion	inclusion	NOUN
ijtc-572	95	11	(	(	PUNCT
ijtc-572	95	12	y	y	NOUN
ijtc-572	95	13	)	)	PUNCT
ijtc-572	95	14	based	base	VERB
ijtc-572	95	15	on	on	ADP
ijtc-572	95	16	the	the	DET
ijtc-572	95	17	results	result	NOUN
ijtc-572	95	18	of	of	ADP
ijtc-572	95	19	the	the	DET
ijtc-572	95	20	regression	regression	NOUN
ijtc-572	95	21	test	test	NOUN
ijtc-572	95	22	,	,	PUNCT
ijtc-572	95	23	it	it	PRON
ijtc-572	95	24	is	be	AUX
ijtc-572	95	25	known	know	VERB
ijtc-572	95	26	that	that	SCONJ
ijtc-572	95	27	the	the	DET
ijtc-572	95	28	financial	financial	ADJ
ijtc-572	95	29	technology	technology	NOUN
ijtc-572	95	30	(	(	PUNCT
ijtc-572	95	31	x1	x1	ADJ
ijtc-572	95	32	)	)	PUNCT
ijtc-572	95	33	variable	variable	NOUN
ijtc-572	95	34	has	have	VERB
ijtc-572	95	35	a	a	DET
ijtc-572	95	36	coefficient	coefficient	NOUN
ijtc-572	95	37	value	value	NOUN
ijtc-572	95	38	of	of	ADP
ijtc-572	95	39	0.347	0.347	NUM
ijtc-572	95	40	,	,	PUNCT
ijtc-572	95	41	a	a	DET
ijtc-572	95	42	positive	positive	ADJ
ijtc-572	95	43	coefficient	coefficient	NOUN
ijtc-572	95	44	value	value	NOUN
ijtc-572	95	45	indicates	indicate	VERB
ijtc-572	95	46	that	that	SCONJ
ijtc-572	95	47	the	the	PRON
ijtc-572	95	48	higher	high	ADJ
ijtc-572	95	49	the	the	DET
ijtc-572	95	50	financial	financial	ADJ
ijtc-572	95	51	technology	technology	NOUN
ijtc-572	95	52	,	,	PUNCT
ijtc-572	95	53	the	the	PRON
ijtc-572	95	54	higher	high	ADJ
ijtc-572	95	55	the	the	DET
ijtc-572	95	56	level	level	NOUN
ijtc-572	95	57	of	of	ADP
ijtc-572	95	58	financial	financial	ADJ
ijtc-572	95	59	inclusion	inclusion	NOUN
ijtc-572	95	60	.	.	PUNCT
ijtc-572	96	1	the	the	DET
ijtc-572	96	2	significance	significance	NOUN
ijtc-572	96	3	value	value	NOUN
ijtc-572	96	4	for	for	ADP
ijtc-572	96	5	the	the	DET
ijtc-572	96	6	financial	financial	ADJ
ijtc-572	96	7	technology	technology	NOUN
ijtc-572	96	8	variable	variable	NOUN
ijtc-572	96	9	is	be	AUX
ijtc-572	96	10	0.00	0.00	NUM
ijtc-572	96	11	less	less	ADJ
ijtc-572	96	12	than	than	ADP
ijtc-572	96	13	0.05	0.05	NUM
ijtc-572	96	14	,	,	PUNCT
ijtc-572	96	15	while	while	SCONJ
ijtc-572	96	16	the	the	DET
ijtc-572	96	17	t	t	PROPN
ijtc-572	96	18	-	-	PUNCT
ijtc-572	96	19	count	count	NOUN
ijtc-572	96	20	value	value	NOUN
ijtc-572	96	21	is	be	AUX
ijtc-572	96	22	positive	positive	ADJ
ijtc-572	96	23	at	at	ADP
ijtc-572	96	24	9,670	9,670	NUM
ijtc-572	96	25	.	.	PUNCT
ijtc-572	97	1	based	base	VERB
ijtc-572	97	2	on	on	ADP
ijtc-572	97	3	the	the	DET
ijtc-572	97	4	results	result	NOUN
ijtc-572	97	5	of	of	ADP
ijtc-572	97	6	the	the	DET
ijtc-572	97	7	regression	regression	NOUN
ijtc-572	97	8	test	test	NOUN
ijtc-572	97	9	,	,	PUNCT
ijtc-572	97	10	it	it	PRON
ijtc-572	97	11	shows	show	VERB
ijtc-572	97	12	that	that	SCONJ
ijtc-572	97	13	h0	h0	NOUN
ijtc-572	97	14	is	be	AUX
ijtc-572	97	15	rejected	reject	VERB
ijtc-572	97	16	and	and	CCONJ
ijtc-572	97	17	h1	h1	PROPN
ijtc-572	97	18	is	be	AUX
ijtc-572	97	19	accepted	accept	VERB
ijtc-572	97	20	,	,	PUNCT
ijtc-572	97	21	which	which	PRON
ijtc-572	97	22	means	mean	VERB
ijtc-572	97	23	that	that	SCONJ
ijtc-572	97	24	the	the	DET
ijtc-572	97	25	financial	financial	ADJ
ijtc-572	97	26	technology	technology	NOUN
ijtc-572	97	27	variable	variable	NOUN
ijtc-572	97	28	has	have	VERB
ijtc-572	97	29	an	an	DET
ijtc-572	97	30	effect	effect	NOUN
ijtc-572	97	31	on	on	ADP
ijtc-572	97	32	the	the	DET
ijtc-572	97	33	financial	financial	ADJ
ijtc-572	97	34	inclusion	inclusion	NOUN
ijtc-572	97	35	variable	variable	NOUN
ijtc-572	97	36	.	.	PUNCT
ijtc-572	98	1	so	so	ADV
ijtc-572	98	2	it	it	PRON
ijtc-572	98	3	can	can	AUX
ijtc-572	98	4	be	be	AUX
ijtc-572	98	5	concluded	conclude	VERB
ijtc-572	98	6	that	that	SCONJ
ijtc-572	98	7	financial	financial	ADJ
ijtc-572	98	8	technology	technology	NOUN
ijtc-572	98	9	has	have	VERB
ijtc-572	98	10	a	a	DET
ijtc-572	98	11	positive	positive	ADJ
ijtc-572	98	12	and	and	CCONJ
ijtc-572	98	13	significant	significant	ADJ
ijtc-572	98	14	effect	effect	NOUN
ijtc-572	98	15	on	on	ADP
ijtc-572	98	16	financial	financial	ADJ
ijtc-572	98	17	inclusion	inclusion	NOUN
ijtc-572	98	18	.	.	PUNCT
ijtc-572	99	1	the	the	DET
ijtc-572	99	2	results	result	NOUN
ijtc-572	99	3	of	of	ADP
ijtc-572	99	4	this	this	DET
ijtc-572	99	5	study	study	NOUN
ijtc-572	99	6	are	be	AUX
ijtc-572	99	7	supported	support	VERB
ijtc-572	99	8	by	by	ADP
ijtc-572	99	9	previous	previous	ADJ
ijtc-572	99	10	research	research	NOUN
ijtc-572	99	11	,	,	PUNCT
ijtc-572	99	12	namely	namely	ADV
ijtc-572	99	13	"	"	PUNCT
ijtc-572	99	14	the	the	DET
ijtc-572	99	15	role	role	NOUN
ijtc-572	99	16	of	of	ADP
ijtc-572	99	17	fintech	fintech	NOUN
ijtc-572	99	18	on	on	ADP
ijtc-572	99	19	financial	financial	ADJ
ijtc-572	99	20	inclusion	inclusion	NOUN
ijtc-572	99	21	in	in	ADP
ijtc-572	99	22	south	south	PROPN
ijtc-572	99	23	tangerang	tangerang	PROPN
ijtc-572	99	24	msmes	msmes	PROPN
ijtc-572	99	25	"	"	PUNCT
ijtc-572	99	26	.	.	PUNCT
ijtc-572	100	1	the	the	DET
ijtc-572	100	2	results	result	NOUN
ijtc-572	100	3	of	of	ADP
ijtc-572	100	4	the	the	DET
ijtc-572	100	5	analysis	analysis	NOUN
ijtc-572	100	6	show	show	VERB
ijtc-572	100	7	that	that	SCONJ
ijtc-572	100	8	the	the	DET
ijtc-572	100	9	t	t	PROPN
ijtc-572	100	10	count	count	NOUN
ijtc-572	100	11	of	of	ADP
ijtc-572	100	12	the	the	DET
ijtc-572	100	13	fintech	fintech	NOUN
ijtc-572	100	14	variable	variable	NOUN
ijtc-572	100	15	is	be	AUX
ijtc-572	100	16	6.925	6.925	NUM
ijtc-572	100	17	>	>	PUNCT
ijtc-572	100	18	t	t	NOUN
ijtc-572	100	19	table	table	NOUN
ijtc-572	100	20	with	with	ADP
ijtc-572	100	21	a	a	DET
ijtc-572	100	22	value	value	NOUN
ijtc-572	100	23	of	of	ADP
ijtc-572	100	24	1.965	1.965	NUM
ijtc-572	100	25	,	,	PUNCT
ijtc-572	100	26	then	then	ADV
ijtc-572	100	27	ha₁	ha₁	PROPN
ijtc-572	100	28	is	be	AUX
ijtc-572	100	29	accepted	accept	VERB
ijtc-572	100	30	.	.	PUNCT
ijtc-572	101	1	thus	thus	ADV
ijtc-572	101	2	,	,	PUNCT
ijtc-572	101	3	fintech	fintech	NOUN
ijtc-572	101	4	has	have	VERB
ijtc-572	101	5	a	a	DET
ijtc-572	101	6	significant	significant	ADJ
ijtc-572	101	7	and	and	CCONJ
ijtc-572	101	8	positive	positive	ADJ
ijtc-572	101	9	control	control	NOUN
ijtc-572	101	10	effect	effect	NOUN
ijtc-572	101	11	on	on	ADP
ijtc-572	101	12	the	the	DET
ijtc-572	101	13	financial	financial	ADJ
ijtc-572	101	14	inclusion	inclusion	NOUN
ijtc-572	101	15	variable	variable	NOUN
ijtc-572	101	16	.	.	PUNCT
ijtc-572	102	1	this	this	DET
ijtc-572	102	2	research	research	NOUN
ijtc-572	102	3	describes	describe	VERB
ijtc-572	102	4	that	that	SCONJ
ijtc-572	102	5	if	if	SCONJ
ijtc-572	102	6	there	there	PRON
ijtc-572	102	7	are	be	VERB
ijtc-572	102	8	more	more	ADJ
ijtc-572	102	9	msme	msme	NOUN
ijtc-572	102	10	actors	actor	NOUN
ijtc-572	102	11	who	who	PRON
ijtc-572	102	12	use	use	VERB
ijtc-572	102	13	technology	technology	NOUN
ijtc-572	102	14	-	-	PUNCT
ijtc-572	102	15	based	base	VERB
ijtc-572	102	16	financial	financial	ADJ
ijtc-572	102	17	assistance	assistance	NOUN
ijtc-572	102	18	,	,	PUNCT
ijtc-572	102	19	this	this	PRON
ijtc-572	102	20	will	will	AUX
ijtc-572	102	21	further	far	ADV
ijtc-572	102	22	encourage	encourage	VERB
ijtc-572	102	23	the	the	DET
ijtc-572	102	24	achievement	achievement	NOUN
ijtc-572	102	25	of	of	ADP
ijtc-572	102	26	the	the	DET
ijtc-572	102	27	implementation	implementation	NOUN
ijtc-572	102	28	of	of	ADP
ijtc-572	102	29	financial	financial	ADJ
ijtc-572	102	30	inclusion	inclusion	NOUN
ijtc-572	102	31	that	that	PRON
ijtc-572	102	32	is	be	AUX
ijtc-572	102	33	echoed	echo	VERB
ijtc-572	102	34	by	by	ADP
ijtc-572	102	35	the	the	DET
ijtc-572	102	36	government	government	NOUN
ijtc-572	102	37	and	and	CCONJ
ijtc-572	102	38	the	the	DET
ijtc-572	102	39	increase	increase	NOUN
ijtc-572	102	40	in	in	ADP
ijtc-572	102	41	the	the	DET
ijtc-572	102	42	financial	financial	ADJ
ijtc-572	102	43	inclusion	inclusion	NOUN
ijtc-572	102	44	index	index	NOUN
ijtc-572	102	45	will	will	AUX
ijtc-572	102	46	also	also	ADV
ijtc-572	102	47	increase	increase	VERB
ijtc-572	102	48	with	with	ADP
ijtc-572	102	49	the	the	DET
ijtc-572	102	50	growing	grow	VERB
ijtc-572	102	51	use	use	NOUN
ijtc-572	102	52	of	of	ADP
ijtc-572	102	53	fintech	fintech	NOUN
ijtc-572	102	54	assistance	assistance	NOUN
ijtc-572	102	55	.	.	PUNCT
ijtc-572	103	1	support	support	NOUN
ijtc-572	103	2	for	for	ADP
ijtc-572	103	3	financial	financial	ADJ
ijtc-572	103	4	technology	technology	NOUN
ijtc-572	103	5	companies	company	NOUN
ijtc-572	103	6	should	should	AUX
ijtc-572	103	7	also	also	ADV
ijtc-572	103	8	be	be	AUX
ijtc-572	103	9	increased	increase	VERB
ijtc-572	103	10	.	.	PUNCT
ijtc-572	104	1	the	the	DET
ijtc-572	104	2	use	use	NOUN
ijtc-572	104	3	of	of	ADP
ijtc-572	104	4	technology	technology	NOUN
ijtc-572	104	5	-	-	PUNCT
ijtc-572	104	6	based	base	VERB
ijtc-572	104	7	financial	financial	ADJ
ijtc-572	104	8	services	service	NOUN
ijtc-572	104	9	is	be	AUX
ijtc-572	104	10	expected	expect	VERB
ijtc-572	104	11	to	to	PART
ijtc-572	104	12	provide	provide	VERB
ijtc-572	104	13	support	support	NOUN
ijtc-572	104	14	for	for	ADP
ijtc-572	104	15	increasing	increase	VERB
ijtc-572	104	16	levels	level	NOUN
ijtc-572	104	17	of	of	ADP
ijtc-572	104	18	financial	financial	ADJ
ijtc-572	104	19	inclusion	inclusion	NOUN
ijtc-572	104	20	.	.	PUNCT
ijtc-572	105	1	the	the	DET
ijtc-572	105	2	precise	precise	ADJ
ijtc-572	105	3	way	way	NOUN
ijtc-572	105	4	and	and	CCONJ
ijtc-572	105	5	ease	ease	NOUN
ijtc-572	105	6	of	of	ADP
ijtc-572	105	7	access	access	NOUN
ijtc-572	105	8	in	in	ADP
ijtc-572	105	9	the	the	DET
ijtc-572	105	10	use	use	NOUN
ijtc-572	105	11	of	of	ADP
ijtc-572	105	12	aid	aid	NOUN
ijtc-572	105	13	and	and	CCONJ
ijtc-572	105	14	financial	financial	ADJ
ijtc-572	105	15	products	product	NOUN
ijtc-572	105	16	can	can	AUX
ijtc-572	105	17	ease	ease	VERB
ijtc-572	105	18	the	the	DET
ijtc-572	105	19	efforts	effort	NOUN
ijtc-572	105	20	of	of	ADP
ijtc-572	105	21	msme	msme	NOUN
ijtc-572	105	22	actors	actor	NOUN
ijtc-572	105	23	in	in	ADP
ijtc-572	105	24	obtaining	obtain	VERB
ijtc-572	105	25	capital	capital	NOUN
ijtc-572	105	26	and	and	CCONJ
ijtc-572	105	27	managing	manage	VERB
ijtc-572	105	28	their	their	PRON
ijtc-572	105	29	business	business	NOUN
ijtc-572	105	30	finances	finance	NOUN
ijtc-572	105	31	.	.	PUNCT
ijtc-572	106	1	the	the	DET
ijtc-572	106	2	effect	effect	NOUN
ijtc-572	106	3	of	of	ADP
ijtc-572	106	4	financial	financial	ADJ
ijtc-572	106	5	literacy	literacy	NOUN
ijtc-572	106	6	(	(	PUNCT
ijtc-572	106	7	x2	x2	PROPN
ijtc-572	106	8	)	)	PUNCT
ijtc-572	106	9	on	on	ADP
ijtc-572	106	10	financial	financial	ADJ
ijtc-572	106	11	inclusion	inclusion	NOUN
ijtc-572	106	12	(	(	PUNCT
ijtc-572	106	13	y	y	NOUN
ijtc-572	106	14	)	)	PUNCT
ijtc-572	106	15	based	base	VERB
ijtc-572	106	16	on	on	ADP
ijtc-572	106	17	the	the	DET
ijtc-572	106	18	results	result	NOUN
ijtc-572	106	19	of	of	ADP
ijtc-572	106	20	the	the	DET
ijtc-572	106	21	regression	regression	NOUN
ijtc-572	106	22	test	test	NOUN
ijtc-572	106	23	in	in	ADP
ijtc-572	106	24	this	this	DET
ijtc-572	106	25	study	study	NOUN
ijtc-572	106	26	,	,	PUNCT
ijtc-572	106	27	it	it	PRON
ijtc-572	106	28	is	be	AUX
ijtc-572	106	29	known	know	VERB
ijtc-572	106	30	that	that	SCONJ
ijtc-572	106	31	the	the	DET
ijtc-572	106	32	financial	financial	ADJ
ijtc-572	106	33	literacy	literacy	NOUN
ijtc-572	106	34	variable	variable	NOUN
ijtc-572	106	35	(	(	PUNCT
ijtc-572	106	36	x2	x2	PROPN
ijtc-572	106	37	)	)	PUNCT
ijtc-572	106	38	has	have	VERB
ijtc-572	106	39	a	a	DET
ijtc-572	106	40	coefficient	coefficient	NOUN
ijtc-572	106	41	value	value	NOUN
ijtc-572	106	42	of	of	ADP
ijtc-572	106	43	0.263	0.263	NUM
ijtc-572	106	44	,	,	PUNCT
ijtc-572	106	45	a	a	DET
ijtc-572	106	46	positive	positive	ADJ
ijtc-572	106	47	coefficient	coefficient	NOUN
ijtc-572	106	48	value	value	NOUN
ijtc-572	106	49	means	mean	VERB
ijtc-572	106	50	that	that	SCONJ
ijtc-572	106	51	the	the	PRON
ijtc-572	106	52	higher	high	ADJ
ijtc-572	106	53	the	the	DET
ijtc-572	106	54	level	level	NOUN
ijtc-572	106	55	of	of	ADP
ijtc-572	106	56	financial	financial	ADJ
ijtc-572	106	57	literacy	literacy	NOUN
ijtc-572	106	58	,	,	PUNCT
ijtc-572	106	59	the	the	PRON
ijtc-572	106	60	higher	high	ADJ
ijtc-572	106	61	the	the	DET
ijtc-572	106	62	level	level	NOUN
ijtc-572	106	63	of	of	ADP
ijtc-572	106	64	financial	financial	ADJ
ijtc-572	106	65	inclusion	inclusion	NOUN
ijtc-572	106	66	.	.	PUNCT
ijtc-572	107	1	the	the	DET
ijtc-572	107	2	significance	significance	NOUN
ijtc-572	107	3	value	value	NOUN
ijtc-572	107	4	for	for	ADP
ijtc-572	107	5	the	the	DET
ijtc-572	107	6	financial	financial	ADJ
ijtc-572	107	7	literacy	literacy	NOUN
ijtc-572	107	8	variable	variable	NOUN
ijtc-572	107	9	is	be	AUX
ijtc-572	107	10	0.00	0.00	NUM
ijtc-572	107	11	,	,	PUNCT
ijtc-572	107	12	smaller	small	ADJ
ijtc-572	107	13	than	than	ADP
ijtc-572	107	14	0.05	0.05	NUM
ijtc-572	107	15	,	,	PUNCT
ijtc-572	107	16	while	while	SCONJ
ijtc-572	107	17	the	the	DET
ijtc-572	107	18	t	t	PROPN
ijtc-572	107	19	-	-	PUNCT
ijtc-572	107	20	count	count	NOUN
ijtc-572	107	21	value	value	NOUN
ijtc-572	107	22	is	be	AUX
ijtc-572	107	23	positive	positive	ADJ
ijtc-572	107	24	at	at	ADP
ijtc-572	107	25	7.123	7.123	NUM
ijtc-572	107	26	.	.	PUNCT
ijtc-572	108	1	the	the	DET
ijtc-572	108	2	results	result	NOUN
ijtc-572	108	3	of	of	ADP
ijtc-572	108	4	the	the	DET
ijtc-572	108	5	regression	regression	NOUN
ijtc-572	108	6	test	test	NOUN
ijtc-572	108	7	indicate	indicate	VERB
ijtc-572	108	8	that	that	DET
ijtc-572	108	9	h0	h0	NOUN
ijtc-572	108	10	is	be	AUX
ijtc-572	108	11	rejected	reject	VERB
ijtc-572	108	12	and	and	CCONJ
ijtc-572	108	13	h2	h2	NOUN
ijtc-572	108	14	is	be	AUX
ijtc-572	108	15	accepted	accept	VERB
ijtc-572	108	16	,	,	PUNCT
ijtc-572	108	17	which	which	PRON
ijtc-572	108	18	means	mean	VERB
ijtc-572	108	19	that	that	SCONJ
ijtc-572	108	20	there	there	PRON
ijtc-572	108	21	is	be	VERB
ijtc-572	108	22	an	an	DET
ijtc-572	108	23	effect	effect	NOUN
ijtc-572	108	24	of	of	ADP
ijtc-572	108	25	the	the	DET
ijtc-572	108	26	financial	financial	ADJ
ijtc-572	108	27	literacy	literacy	NOUN
ijtc-572	108	28	variable	variable	NOUN
ijtc-572	108	29	on	on	ADP
ijtc-572	108	30	the	the	DET
ijtc-572	108	31	financial	financial	ADJ
ijtc-572	108	32	inclusion	inclusion	NOUN
ijtc-572	108	33	variable	variable	NOUN
ijtc-572	108	34	.	.	PUNCT
ijtc-572	109	1	so	so	ADV
ijtc-572	109	2	it	it	PRON
ijtc-572	109	3	can	can	AUX
ijtc-572	109	4	be	be	AUX
ijtc-572	109	5	concluded	conclude	VERB
ijtc-572	109	6	that	that	SCONJ
ijtc-572	109	7	financial	financial	ADJ
ijtc-572	109	8	literacy	literacy	NOUN
ijtc-572	109	9	has	have	VERB
ijtc-572	109	10	a	a	DET
ijtc-572	109	11	positive	positive	ADJ
ijtc-572	109	12	and	and	CCONJ
ijtc-572	109	13	significant	significant	ADJ
ijtc-572	109	14	effect	effect	NOUN
ijtc-572	109	15	on	on	ADP
ijtc-572	109	16	financial	financial	ADJ
ijtc-572	109	17	inclusion	inclusion	NOUN
ijtc-572	109	18	.	.	PUNCT
ijtc-572	110	1	influence	influence	NOUN
ijtc-572	110	2	financial	financial	ADJ
ijtc-572	110	3	technology	technology	NOUN
ijtc-572	110	4	,	,	PUNCT
ijtc-572	110	5	financial	financial	ADJ
ijtc-572	110	6	literacy	literacy	NOUN
ijtc-572	110	7	,	,	PUNCT
ijtc-572	110	8	and	and	CCONJ
ijtc-572	110	9	intellectual	intellectual	ADJ
ijtc-572	110	10	capital	capital	NOUN
ijtc-572	110	11	on	on	ADP
ijtc-572	110	12	financial	financial	ADJ
ijtc-572	110	13	inclusion	inclusion	NOUN
ijtc-572	110	14	in	in	ADP
ijtc-572	110	15	micro	micro	PROPN
ijtc-572	110	16	,	,	PUNCT
ijtc-572	110	17	small	small	ADJ
ijtc-572	110	18	and	and	CCONJ
ijtc-572	110	19	medium	medium	ADJ
ijtc-572	110	20	enterprises	enterprise	NOUN
ijtc-572	110	21	(	(	PUNCT
ijtc-572	110	22	msmes	msmes	PROPN
ijtc-572	110	23	)	)	PUNCT
ijtc-572	110	24	martini	martini	NOUN
ijtc-572	110	25	,	,	PUNCT
ijtc-572	110	26	triharyati	triharyati	NOUN
ijtc-572	110	27	,	,	PUNCT
ijtc-572	110	28	and	and	CCONJ
ijtc-572	110	29	rimbano	rimbano	VERB
ijtc-572	110	30	416	416	NUM
ijtc-572	110	31	|	|	ADV
ijtc-572	110	32	ilomata	ilomata	PROPN
ijtc-572	110	33	international	international	ADJ
ijtc-572	110	34	journal	journal	NOUN
ijtc-572	110	35	of	of	ADP
ijtc-572	110	36	tax	tax	PROPN
ijtc-572	110	37	&	&	CCONJ
ijtc-572	110	38	accounting	account	VERB
ijtc-572	110	39	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-572	110	40	this	this	DET
ijtc-572	110	41	research	research	NOUN
ijtc-572	110	42	is	be	AUX
ijtc-572	110	43	supported	support	VERB
ijtc-572	110	44	by	by	ADP
ijtc-572	110	45	a	a	DET
ijtc-572	110	46	previous	previous	ADJ
ijtc-572	110	47	study	study	NOUN
ijtc-572	110	48	entitled	entitle	VERB
ijtc-572	110	49	the	the	DET
ijtc-572	110	50	effect	effect	NOUN
ijtc-572	110	51	of	of	ADP
ijtc-572	110	52	financial	financial	ADJ
ijtc-572	110	53	literacy	literacy	NOUN
ijtc-572	110	54	on	on	ADP
ijtc-572	110	55	financial	financial	ADJ
ijtc-572	110	56	inclusion	inclusion	NOUN
ijtc-572	110	57	through	through	ADP
ijtc-572	110	58	financial	financial	ADJ
ijtc-572	110	59	technology	technology	NOUN
ijtc-572	110	60	on	on	ADP
ijtc-572	110	61	msmes	msme	NOUN
ijtc-572	110	62	in	in	ADP
ijtc-572	110	63	bandar	bandar	PROPN
ijtc-572	110	64	lampung	lampung	PROPN
ijtc-572	110	65	,	,	PUNCT
ijtc-572	110	66	the	the	DET
ijtc-572	110	67	result	result	NOUN
ijtc-572	110	68	of	of	ADP
ijtc-572	110	69	which	which	PRON
ijtc-572	110	70	is	be	AUX
ijtc-572	110	71	that	that	SCONJ
ijtc-572	110	72	financial	financial	ADJ
ijtc-572	110	73	literacy	literacy	NOUN
ijtc-572	110	74	has	have	VERB
ijtc-572	110	75	a	a	DET
ijtc-572	110	76	significant	significant	ADJ
ijtc-572	110	77	effect	effect	NOUN
ijtc-572	110	78	on	on	ADP
ijtc-572	110	79	financial	financial	ADJ
ijtc-572	110	80	inclusion	inclusion	NOUN
ijtc-572	110	81	.	.	PUNCT
ijtc-572	111	1	this	this	PRON
ijtc-572	111	2	shows	show	VERB
ijtc-572	111	3	that	that	SCONJ
ijtc-572	111	4	the	the	PRON
ijtc-572	111	5	higher	high	ADJ
ijtc-572	111	6	the	the	DET
ijtc-572	111	7	financial	financial	ADJ
ijtc-572	111	8	knowledge	knowledge	NOUN
ijtc-572	111	9	,	,	PUNCT
ijtc-572	111	10	the	the	PRON
ijtc-572	111	11	better	well	ADJ
ijtc-572	111	12	the	the	DET
ijtc-572	111	13	financial	financial	ADJ
ijtc-572	111	14	behavior	behavior	NOUN
ijtc-572	111	15	and	and	CCONJ
ijtc-572	111	16	financial	financial	ADJ
ijtc-572	111	17	attitude	attitude	NOUN
ijtc-572	111	18	of	of	ADP
ijtc-572	111	19	a	a	DET
ijtc-572	111	20	person	person	NOUN
ijtc-572	111	21	will	will	AUX
ijtc-572	111	22	increase	increase	VERB
ijtc-572	111	23	the	the	DET
ijtc-572	111	24	use	use	NOUN
ijtc-572	111	25	,	,	PUNCT
ijtc-572	111	26	utilization	utilization	NOUN
ijtc-572	111	27	and	and	CCONJ
ijtc-572	111	28	understanding	understanding	NOUN
ijtc-572	111	29	of	of	ADP
ijtc-572	111	30	financial	financial	ADJ
ijtc-572	111	31	products	product	NOUN
ijtc-572	111	32	and	and	CCONJ
ijtc-572	111	33	services	service	NOUN
ijtc-572	111	34	.	.	PUNCT
ijtc-572	112	1	this	this	PRON
ijtc-572	112	2	is	be	AUX
ijtc-572	112	3	reinforced	reinforce	VERB
ijtc-572	112	4	by	by	ADP
ijtc-572	112	5	the	the	DET
ijtc-572	112	6	answers	answer	NOUN
ijtc-572	112	7	of	of	ADP
ijtc-572	112	8	respondents	respondent	NOUN
ijtc-572	112	9	who	who	PRON
ijtc-572	112	10	have	have	VERB
ijtc-572	112	11	the	the	DET
ijtc-572	112	12	highest	high	ADJ
ijtc-572	112	13	scores	score	NOUN
ijtc-572	112	14	related	relate	VERB
ijtc-572	112	15	to	to	ADP
ijtc-572	112	16	financial	financial	ADJ
ijtc-572	112	17	literacy	literacy	NOUN
ijtc-572	112	18	where	where	SCONJ
ijtc-572	112	19	msmes	msme	NOUN
ijtc-572	112	20	in	in	ADP
ijtc-572	112	21	bandar	bandar	PROPN
ijtc-572	112	22	lampung	lampung	PROPN
ijtc-572	112	23	city	city	PROPN
ijtc-572	112	24	already	already	ADV
ijtc-572	112	25	believe	believe	VERB
ijtc-572	112	26	and	and	CCONJ
ijtc-572	112	27	also	also	ADV
ijtc-572	112	28	understand	understand	VERB
ijtc-572	112	29	about	about	ADP
ijtc-572	112	30	investment	investment	NOUN
ijtc-572	112	31	in	in	ADP
ijtc-572	112	32	the	the	DET
ijtc-572	112	33	form	form	NOUN
ijtc-572	112	34	of	of	ADP
ijtc-572	112	35	returns	return	NOUN
ijtc-572	112	36	and	and	CCONJ
ijtc-572	112	37	investment	investment	NOUN
ijtc-572	112	38	risks	risk	NOUN
ijtc-572	112	39	,	,	PUNCT
ijtc-572	112	40	so	so	SCONJ
ijtc-572	112	41	that	that	SCONJ
ijtc-572	112	42	msme	msme	NOUN
ijtc-572	112	43	business	business	NOUN
ijtc-572	112	44	actors	actor	NOUN
ijtc-572	112	45	by	by	ADP
ijtc-572	112	46	investing	invest	VERB
ijtc-572	112	47	as	as	ADV
ijtc-572	112	48	early	early	ADV
ijtc-572	112	49	as	as	ADP
ijtc-572	112	50	possible	possible	ADJ
ijtc-572	112	51	are	be	AUX
ijtc-572	112	52	expected	expect	VERB
ijtc-572	112	53	to	to	PART
ijtc-572	112	54	provide	provide	VERB
ijtc-572	112	55	benefits	benefit	NOUN
ijtc-572	112	56	.	.	PUNCT
ijtc-572	113	1	for	for	ADP
ijtc-572	113	2	them	they	PRON
ijtc-572	113	3	in	in	ADP
ijtc-572	113	4	the	the	DET
ijtc-572	113	5	future	future	NOUN
ijtc-572	113	6	(	(	PUNCT
ijtc-572	113	7	kusuma	kusuma	INTJ
ijtc-572	113	8	,	,	PUNCT
ijtc-572	113	9	2020	2020	NUM
ijtc-572	113	10	)	)	PUNCT
ijtc-572	113	11	.	.	PUNCT
ijtc-572	114	1	the	the	DET
ijtc-572	114	2	influence	influence	NOUN
ijtc-572	114	3	of	of	ADP
ijtc-572	114	4	intellectual	intellectual	ADJ
ijtc-572	114	5	capital	capital	NOUN
ijtc-572	114	6	(	(	PUNCT
ijtc-572	114	7	x3	x3	ADJ
ijtc-572	114	8	)	)	PUNCT
ijtc-572	114	9	on	on	ADP
ijtc-572	114	10	financial	financial	ADJ
ijtc-572	114	11	inclusion	inclusion	NOUN
ijtc-572	114	12	(	(	PUNCT
ijtc-572	114	13	y	y	NOUN
ijtc-572	114	14	)	)	PUNCT
ijtc-572	114	15	based	base	VERB
ijtc-572	114	16	on	on	ADP
ijtc-572	114	17	the	the	DET
ijtc-572	114	18	results	result	NOUN
ijtc-572	114	19	of	of	ADP
ijtc-572	114	20	the	the	DET
ijtc-572	114	21	regression	regression	NOUN
ijtc-572	114	22	test	test	NOUN
ijtc-572	114	23	in	in	ADP
ijtc-572	114	24	this	this	DET
ijtc-572	114	25	study	study	NOUN
ijtc-572	114	26	,	,	PUNCT
ijtc-572	114	27	it	it	PRON
ijtc-572	114	28	is	be	AUX
ijtc-572	114	29	known	know	VERB
ijtc-572	114	30	that	that	SCONJ
ijtc-572	114	31	the	the	DET
ijtc-572	114	32	intellectual	intellectual	ADJ
ijtc-572	114	33	capital	capital	NOUN
ijtc-572	114	34	(	(	PUNCT
ijtc-572	114	35	x3	x3	ADJ
ijtc-572	114	36	)	)	PUNCT
ijtc-572	114	37	variable	variable	NOUN
ijtc-572	114	38	has	have	VERB
ijtc-572	114	39	a	a	DET
ijtc-572	114	40	coefficient	coefficient	NOUN
ijtc-572	114	41	value	value	NOUN
ijtc-572	114	42	of	of	ADP
ijtc-572	114	43	0.332	0.332	NUM
ijtc-572	114	44	,	,	PUNCT
ijtc-572	114	45	a	a	DET
ijtc-572	114	46	positive	positive	ADJ
ijtc-572	114	47	coefficient	coefficient	NOUN
ijtc-572	114	48	value	value	NOUN
ijtc-572	114	49	means	mean	VERB
ijtc-572	114	50	that	that	SCONJ
ijtc-572	114	51	the	the	PRON
ijtc-572	114	52	higher	high	ADJ
ijtc-572	114	53	the	the	DET
ijtc-572	114	54	level	level	NOUN
ijtc-572	114	55	of	of	ADP
ijtc-572	114	56	intellectual	intellectual	ADJ
ijtc-572	114	57	capital	capital	NOUN
ijtc-572	114	58	,	,	PUNCT
ijtc-572	114	59	the	the	PRON
ijtc-572	114	60	higher	high	ADJ
ijtc-572	114	61	the	the	DET
ijtc-572	114	62	level	level	NOUN
ijtc-572	114	63	of	of	ADP
ijtc-572	114	64	financial	financial	ADJ
ijtc-572	114	65	inclusion	inclusion	NOUN
ijtc-572	114	66	.	.	PUNCT
ijtc-572	115	1	the	the	DET
ijtc-572	115	2	significance	significance	NOUN
ijtc-572	115	3	value	value	NOUN
ijtc-572	115	4	for	for	ADP
ijtc-572	115	5	the	the	DET
ijtc-572	115	6	financial	financial	ADJ
ijtc-572	115	7	literacy	literacy	NOUN
ijtc-572	115	8	variable	variable	NOUN
ijtc-572	115	9	is	be	AUX
ijtc-572	115	10	0.00	0.00	NUM
ijtc-572	115	11	less	less	ADJ
ijtc-572	115	12	than	than	ADP
ijtc-572	115	13	0.05	0.05	NUM
ijtc-572	115	14	,	,	PUNCT
ijtc-572	115	15	while	while	SCONJ
ijtc-572	115	16	the	the	DET
ijtc-572	115	17	t	t	PROPN
ijtc-572	115	18	-	-	PUNCT
ijtc-572	115	19	count	count	NOUN
ijtc-572	115	20	value	value	NOUN
ijtc-572	115	21	is	be	AUX
ijtc-572	115	22	positive	positive	ADJ
ijtc-572	115	23	at	at	ADP
ijtc-572	115	24	9.487	9.487	NUM
ijtc-572	115	25	.	.	PUNCT
ijtc-572	116	1	the	the	DET
ijtc-572	116	2	results	result	NOUN
ijtc-572	116	3	of	of	ADP
ijtc-572	116	4	the	the	DET
ijtc-572	116	5	regression	regression	NOUN
ijtc-572	116	6	test	test	NOUN
ijtc-572	116	7	indicate	indicate	VERB
ijtc-572	116	8	that	that	DET
ijtc-572	116	9	h0	h0	NOUN
ijtc-572	116	10	is	be	AUX
ijtc-572	116	11	rejected	reject	VERB
ijtc-572	116	12	and	and	CCONJ
ijtc-572	116	13	h3	h3	NOUN
ijtc-572	116	14	is	be	AUX
ijtc-572	116	15	accepted	accept	VERB
ijtc-572	116	16	,	,	PUNCT
ijtc-572	116	17	which	which	PRON
ijtc-572	116	18	means	mean	VERB
ijtc-572	116	19	that	that	SCONJ
ijtc-572	116	20	the	the	DET
ijtc-572	116	21	intellectual	intellectual	ADJ
ijtc-572	116	22	capital	capital	NOUN
ijtc-572	116	23	variable	variable	NOUN
ijtc-572	116	24	has	have	VERB
ijtc-572	116	25	an	an	DET
ijtc-572	116	26	effect	effect	NOUN
ijtc-572	116	27	on	on	ADP
ijtc-572	116	28	the	the	DET
ijtc-572	116	29	financial	financial	ADJ
ijtc-572	116	30	inclusion	inclusion	NOUN
ijtc-572	116	31	variable	variable	NOUN
ijtc-572	116	32	.	.	PUNCT
ijtc-572	117	1	so	so	ADV
ijtc-572	117	2	it	it	PRON
ijtc-572	117	3	can	can	AUX
ijtc-572	117	4	be	be	AUX
ijtc-572	117	5	concluded	conclude	VERB
ijtc-572	117	6	that	that	SCONJ
ijtc-572	117	7	intellectual	intellectual	ADJ
ijtc-572	117	8	capital	capital	NOUN
ijtc-572	117	9	has	have	VERB
ijtc-572	117	10	a	a	DET
ijtc-572	117	11	positive	positive	ADJ
ijtc-572	117	12	and	and	CCONJ
ijtc-572	117	13	significant	significant	ADJ
ijtc-572	117	14	effect	effect	NOUN
ijtc-572	117	15	on	on	ADP
ijtc-572	117	16	financial	financial	ADJ
ijtc-572	117	17	inclusion	inclusion	NOUN
ijtc-572	117	18	.	.	PUNCT
ijtc-572	118	1	this	this	DET
ijtc-572	118	2	research	research	NOUN
ijtc-572	118	3	is	be	AUX
ijtc-572	118	4	supported	support	VERB
ijtc-572	118	5	by	by	ADP
ijtc-572	118	6	a	a	DET
ijtc-572	118	7	previous	previous	ADJ
ijtc-572	118	8	study	study	NOUN
ijtc-572	118	9	entitled	entitle	VERB
ijtc-572	118	10	the	the	DET
ijtc-572	118	11	impact	impact	NOUN
ijtc-572	118	12	of	of	ADP
ijtc-572	118	13	intellectual	intellectual	ADJ
ijtc-572	118	14	capital	capital	NOUN
ijtc-572	118	15	and	and	CCONJ
ijtc-572	118	16	public	public	ADJ
ijtc-572	118	17	financial	financial	ADJ
ijtc-572	118	18	services	service	NOUN
ijtc-572	118	19	education	education	NOUN
ijtc-572	118	20	on	on	ADP
ijtc-572	118	21	financial	financial	ADJ
ijtc-572	118	22	inclusion	inclusion	NOUN
ijtc-572	118	23	succession	succession	NOUN
ijtc-572	118	24	in	in	ADP
ijtc-572	118	25	indonesia	indonesia	PROPN
ijtc-572	118	26	with	with	ADP
ijtc-572	118	27	the	the	DET
ijtc-572	118	28	test	test	NOUN
ijtc-572	118	29	results	result	NOUN
ijtc-572	118	30	showing	show	VERB
ijtc-572	118	31	that	that	SCONJ
ijtc-572	118	32	the	the	DET
ijtc-572	118	33	intellectual	intellectual	ADJ
ijtc-572	118	34	capital	capital	NOUN
ijtc-572	118	35	variable	variable	NOUN
ijtc-572	118	36	has	have	VERB
ijtc-572	118	37	a	a	DET
ijtc-572	118	38	t	t	NOUN
ijtc-572	118	39	-	-	PUNCT
ijtc-572	118	40	value	value	NOUN
ijtc-572	118	41	value	value	NOUN
ijtc-572	118	42	of	of	ADP
ijtc-572	118	43	2.21	2.21	NUM
ijtc-572	118	44	or	or	CCONJ
ijtc-572	118	45	>	>	ADP
ijtc-572	118	46	0.196	0.196	NUM
ijtc-572	118	47	.	.	PUNCT
ijtc-572	119	1	these	these	DET
ijtc-572	119	2	results	result	NOUN
ijtc-572	119	3	indicate	indicate	VERB
ijtc-572	119	4	that	that	SCONJ
ijtc-572	119	5	the	the	DET
ijtc-572	119	6	intellectual	intellectual	ADJ
ijtc-572	119	7	capital	capital	NOUN
ijtc-572	119	8	variable	variable	NOUN
ijtc-572	119	9	has	have	VERB
ijtc-572	119	10	a	a	DET
ijtc-572	119	11	significant	significant	ADJ
ijtc-572	119	12	positive	positive	ADJ
ijtc-572	119	13	impact	impact	NOUN
ijtc-572	119	14	on	on	ADP
ijtc-572	119	15	the	the	DET
ijtc-572	119	16	succession	succession	NOUN
ijtc-572	119	17	of	of	ADP
ijtc-572	119	18	financial	financial	ADJ
ijtc-572	119	19	inclusion	inclusion	NOUN
ijtc-572	119	20	in	in	ADP
ijtc-572	119	21	indonesia	indonesia	PROPN
ijtc-572	119	22	.	.	PUNCT
ijtc-572	120	1	this	this	DET
ijtc-572	120	2	conclusion	conclusion	NOUN
ijtc-572	120	3	means	mean	VERB
ijtc-572	120	4	that	that	SCONJ
ijtc-572	120	5	h1	h1	NOUN
ijtc-572	120	6	is	be	AUX
ijtc-572	120	7	accepted	accept	VERB
ijtc-572	120	8	.	.	PUNCT
ijtc-572	121	1	this	this	PRON
ijtc-572	121	2	proves	prove	VERB
ijtc-572	121	3	that	that	SCONJ
ijtc-572	121	4	intellectual	intellectual	ADJ
ijtc-572	121	5	capital	capital	NOUN
ijtc-572	121	6	can	can	AUX
ijtc-572	121	7	help	help	VERB
ijtc-572	121	8	for	for	ADP
ijtc-572	121	9	the	the	DET
ijtc-572	121	10	succession	succession	NOUN
ijtc-572	121	11	of	of	ADP
ijtc-572	121	12	financial	financial	ADJ
ijtc-572	121	13	inclusion	inclusion	NOUN
ijtc-572	121	14	,	,	PUNCT
ijtc-572	121	15	so	so	SCONJ
ijtc-572	121	16	that	that	SCONJ
ijtc-572	121	17	the	the	DET
ijtc-572	121	18	development	development	NOUN
ijtc-572	121	19	of	of	ADP
ijtc-572	121	20	the	the	DET
ijtc-572	121	21	concept	concept	NOUN
ijtc-572	121	22	of	of	ADP
ijtc-572	121	23	intellectual	intellectual	ADJ
ijtc-572	121	24	capital	capital	NOUN
ijtc-572	121	25	is	be	AUX
ijtc-572	121	26	not	not	PART
ijtc-572	121	27	always	always	ADV
ijtc-572	121	28	only	only	ADV
ijtc-572	121	29	to	to	PART
ijtc-572	121	30	detect	detect	VERB
ijtc-572	121	31	the	the	DET
ijtc-572	121	32	financial	financial	ADJ
ijtc-572	121	33	performance	performance	NOUN
ijtc-572	121	34	of	of	ADP
ijtc-572	121	35	a	a	DET
ijtc-572	121	36	company	company	NOUN
ijtc-572	121	37	,	,	PUNCT
ijtc-572	121	38	however	however	ADV
ijtc-572	121	39	,	,	PUNCT
ijtc-572	121	40	we	we	PRON
ijtc-572	121	41	are	be	AUX
ijtc-572	121	42	oriented	orient	VERB
ijtc-572	121	43	more	more	ADV
ijtc-572	121	44	broadly	broadly	ADV
ijtc-572	121	45	that	that	SCONJ
ijtc-572	121	46	intellectual	intellectual	ADJ
ijtc-572	121	47	capital	capital	NOUN
ijtc-572	121	48	also	also	ADV
ijtc-572	121	49	supports	support	VERB
ijtc-572	121	50	the	the	DET
ijtc-572	121	51	economy	economy	NOUN
ijtc-572	121	52	,	,	PUNCT
ijtc-572	121	53	one	one	NUM
ijtc-572	121	54	of	of	ADP
ijtc-572	121	55	which	which	PRON
ijtc-572	121	56	is	be	AUX
ijtc-572	121	57	the	the	DET
ijtc-572	121	58	succession	succession	NOUN
ijtc-572	121	59	of	of	ADP
ijtc-572	121	60	financial	financial	ADJ
ijtc-572	121	61	inclusion	inclusion	NOUN
ijtc-572	121	62	.	.	PUNCT
ijtc-572	122	1	based	base	VERB
ijtc-572	122	2	on	on	ADP
ijtc-572	122	3	the	the	DET
ijtc-572	122	4	results	result	NOUN
ijtc-572	122	5	of	of	ADP
ijtc-572	122	6	the	the	DET
ijtc-572	122	7	coefficient	coefficient	NOUN
ijtc-572	122	8	of	of	ADP
ijtc-572	122	9	determination	determination	NOUN
ijtc-572	122	10	test	test	NOUN
ijtc-572	122	11	also	also	ADV
ijtc-572	122	12	found	find	VERB
ijtc-572	122	13	that	that	SCONJ
ijtc-572	122	14	the	the	DET
ijtc-572	122	15	magnitude	magnitude	NOUN
ijtc-572	122	16	of	of	ADP
ijtc-572	122	17	the	the	DET
ijtc-572	122	18	influence	influence	NOUN
ijtc-572	122	19	of	of	ADP
ijtc-572	122	20	the	the	DET
ijtc-572	122	21	variable	variable	ADJ
ijtc-572	122	22	intellectual	intellectual	ADJ
ijtc-572	122	23	capital	capital	NOUN
ijtc-572	122	24	on	on	ADP
ijtc-572	122	25	the	the	DET
ijtc-572	122	26	succession	succession	NOUN
ijtc-572	122	27	of	of	ADP
ijtc-572	122	28	financial	financial	ADJ
ijtc-572	122	29	inclusion	inclusion	NOUN
ijtc-572	122	30	is	be	AUX
ijtc-572	122	31	0.299	0.299	NUM
ijtc-572	122	32	or	or	CCONJ
ijtc-572	122	33	29.9	29.9	NUM
ijtc-572	122	34	%	%	NOUN
ijtc-572	122	35	.	.	PUNCT
ijtc-572	123	1	these	these	DET
ijtc-572	123	2	results	result	NOUN
ijtc-572	123	3	prove	prove	VERB
ijtc-572	123	4	that	that	SCONJ
ijtc-572	123	5	the	the	DET
ijtc-572	123	6	role	role	NOUN
ijtc-572	123	7	of	of	ADP
ijtc-572	123	8	intellectual	intellectual	ADJ
ijtc-572	123	9	capital	capital	NOUN
ijtc-572	123	10	towards	towards	ADP
ijtc-572	123	11	the	the	DET
ijtc-572	123	12	succession	succession	NOUN
ijtc-572	123	13	of	of	ADP
ijtc-572	123	14	financial	financial	ADJ
ijtc-572	123	15	inclusion	inclusion	NOUN
ijtc-572	123	16	in	in	ADP
ijtc-572	123	17	indonesia	indonesia	PROPN
ijtc-572	123	18	is	be	AUX
ijtc-572	123	19	quite	quite	ADV
ijtc-572	123	20	large	large	ADJ
ijtc-572	123	21	.	.	PUNCT
ijtc-572	124	1	these	these	DET
ijtc-572	124	2	results	result	NOUN
ijtc-572	124	3	should	should	AUX
ijtc-572	124	4	be	be	AUX
ijtc-572	124	5	able	able	ADJ
ijtc-572	124	6	to	to	PART
ijtc-572	124	7	provide	provide	VERB
ijtc-572	124	8	advice	advice	NOUN
ijtc-572	124	9	to	to	ADP
ijtc-572	124	10	the	the	DET
ijtc-572	124	11	government	government	NOUN
ijtc-572	124	12	and	and	CCONJ
ijtc-572	124	13	policy	policy	NOUN
ijtc-572	124	14	makers	maker	NOUN
ijtc-572	124	15	(	(	PUNCT
ijtc-572	124	16	regulators	regulator	NOUN
ijtc-572	124	17	)	)	PUNCT
ijtc-572	124	18	to	to	PART
ijtc-572	124	19	start	start	VERB
ijtc-572	124	20	intensifying	intensify	VERB
ijtc-572	124	21	cooperation	cooperation	NOUN
ijtc-572	124	22	with	with	ADP
ijtc-572	124	23	any	any	DET
ijtc-572	124	24	educational	educational	ADJ
ijtc-572	124	25	institution	institution	NOUN
ijtc-572	124	26	to	to	PART
ijtc-572	124	27	help	help	VERB
ijtc-572	124	28	provide	provide	VERB
ijtc-572	124	29	good	good	ADJ
ijtc-572	124	30	and	and	CCONJ
ijtc-572	124	31	correct	correct	ADJ
ijtc-572	124	32	knowledge	knowledge	NOUN
ijtc-572	124	33	(	(	PUNCT
ijtc-572	124	34	finance	finance	NOUN
ijtc-572	124	35	)	)	PUNCT
ijtc-572	124	36	to	to	ADP
ijtc-572	124	37	the	the	DET
ijtc-572	124	38	unbanked	unbanked	ADJ
ijtc-572	124	39	community	community	NOUN
ijtc-572	124	40	so	so	SCONJ
ijtc-572	124	41	that	that	SCONJ
ijtc-572	124	42	they	they	PRON
ijtc-572	124	43	immediately	immediately	ADV
ijtc-572	124	44	have	have	VERB
ijtc-572	124	45	access	access	NOUN
ijtc-572	124	46	to	to	ADP
ijtc-572	124	47	financial	financial	ADJ
ijtc-572	124	48	institutions	institution	NOUN
ijtc-572	124	49	and	and	CCONJ
ijtc-572	124	50	independently	independently	ADV
ijtc-572	124	51	manage	manage	VERB
ijtc-572	124	52	their	their	PRON
ijtc-572	124	53	finances	finance	NOUN
ijtc-572	124	54	.	.	PUNCT
ijtc-572	125	1	conclusion	conclusion	NOUN
ijtc-572	125	2	1	1	NUM
ijtc-572	125	3	.	.	PUNCT
ijtc-572	125	4	based	base	VERB
ijtc-572	125	5	on	on	ADP
ijtc-572	125	6	the	the	DET
ijtc-572	125	7	results	result	NOUN
ijtc-572	125	8	of	of	ADP
ijtc-572	125	9	the	the	DET
ijtc-572	125	10	regression	regression	NOUN
ijtc-572	125	11	test	test	NOUN
ijtc-572	126	1	,	,	PUNCT
ijtc-572	126	2	it	it	PRON
ijtc-572	126	3	shows	show	VERB
ijtc-572	126	4	that	that	SCONJ
ijtc-572	126	5	h0	h0	NOUN
ijtc-572	126	6	is	be	AUX
ijtc-572	126	7	rejected	reject	VERB
ijtc-572	126	8	and	and	CCONJ
ijtc-572	126	9	h1	h1	PROPN
ijtc-572	126	10	is	be	AUX
ijtc-572	126	11	accepted	accept	VERB
ijtc-572	126	12	,	,	PUNCT
ijtc-572	126	13	which	which	PRON
ijtc-572	126	14	means	mean	VERB
ijtc-572	126	15	that	that	SCONJ
ijtc-572	126	16	the	the	DET
ijtc-572	126	17	financial	financial	ADJ
ijtc-572	126	18	technology	technology	NOUN
ijtc-572	126	19	variable	variable	NOUN
ijtc-572	126	20	has	have	VERB
ijtc-572	126	21	an	an	DET
ijtc-572	126	22	effect	effect	NOUN
ijtc-572	126	23	on	on	ADP
ijtc-572	126	24	the	the	DET
ijtc-572	126	25	financial	financial	ADJ
ijtc-572	126	26	inclusion	inclusion	NOUN
ijtc-572	126	27	variable	variable	NOUN
ijtc-572	126	28	.	.	PUNCT
ijtc-572	127	1	so	so	ADV
ijtc-572	127	2	it	it	PRON
ijtc-572	127	3	can	can	AUX
ijtc-572	127	4	be	be	AUX
ijtc-572	127	5	concluded	conclude	VERB
ijtc-572	127	6	that	that	SCONJ
ijtc-572	127	7	financial	financial	ADJ
ijtc-572	127	8	technology	technology	NOUN
ijtc-572	127	9	has	have	VERB
ijtc-572	127	10	a	a	DET
ijtc-572	127	11	positive	positive	ADJ
ijtc-572	127	12	and	and	CCONJ
ijtc-572	127	13	significant	significant	ADJ
ijtc-572	127	14	effect	effect	NOUN
ijtc-572	127	15	on	on	ADP
ijtc-572	127	16	financial	financial	ADJ
ijtc-572	127	17	inclusion	inclusion	NOUN
ijtc-572	127	18	.	.	PUNCT
ijtc-572	128	1	influence	influence	NOUN
ijtc-572	128	2	financial	financial	ADJ
ijtc-572	128	3	technology	technology	NOUN
ijtc-572	128	4	,	,	PUNCT
ijtc-572	128	5	financial	financial	ADJ
ijtc-572	128	6	literacy	literacy	NOUN
ijtc-572	128	7	,	,	PUNCT
ijtc-572	128	8	and	and	CCONJ
ijtc-572	128	9	intellectual	intellectual	ADJ
ijtc-572	128	10	capital	capital	NOUN
ijtc-572	128	11	on	on	ADP
ijtc-572	128	12	financial	financial	ADJ
ijtc-572	128	13	inclusion	inclusion	NOUN
ijtc-572	128	14	in	in	ADP
ijtc-572	128	15	micro	micro	PROPN
ijtc-572	128	16	,	,	PUNCT
ijtc-572	128	17	small	small	ADJ
ijtc-572	128	18	and	and	CCONJ
ijtc-572	128	19	medium	medium	ADJ
ijtc-572	128	20	enterprises	enterprise	NOUN
ijtc-572	128	21	(	(	PUNCT
ijtc-572	128	22	msmes	msmes	PROPN
ijtc-572	128	23	)	)	PUNCT
ijtc-572	128	24	martini	martini	NOUN
ijtc-572	128	25	,	,	PUNCT
ijtc-572	128	26	triharyati	triharyati	NOUN
ijtc-572	128	27	,	,	PUNCT
ijtc-572	128	28	and	and	CCONJ
ijtc-572	128	29	rimbano	rimbano	VERB
ijtc-572	128	30	417	417	NUM
ijtc-572	128	31	|	|	ADV
ijtc-572	128	32	ilomata	ilomata	ADJ
ijtc-572	128	33	international	international	ADJ
ijtc-572	128	34	journal	journal	NOUN
ijtc-572	128	35	of	of	ADP
ijtc-572	128	36	tax	tax	PROPN
ijtc-572	128	37	&	&	CCONJ
ijtc-572	128	38	accounting	accounting	NOUN
ijtc-572	128	39	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-572	128	40	2	2	NUM
ijtc-572	128	41	.	.	PUNCT
ijtc-572	128	42	based	base	VERB
ijtc-572	128	43	on	on	ADP
ijtc-572	128	44	the	the	DET
ijtc-572	128	45	results	result	NOUN
ijtc-572	128	46	of	of	ADP
ijtc-572	128	47	the	the	DET
ijtc-572	128	48	regression	regression	NOUN
ijtc-572	128	49	test	test	NOUN
ijtc-572	128	50	in	in	ADP
ijtc-572	128	51	this	this	DET
ijtc-572	128	52	study	study	NOUN
ijtc-572	128	53	,	,	PUNCT
ijtc-572	128	54	it	it	PRON
ijtc-572	128	55	is	be	AUX
ijtc-572	128	56	known	know	VERB
ijtc-572	128	57	that	that	SCONJ
ijtc-572	128	58	the	the	DET
ijtc-572	128	59	financial	financial	ADJ
ijtc-572	128	60	literacy	literacy	NOUN
ijtc-572	128	61	variable	variable	NOUN
ijtc-572	128	62	(	(	PUNCT
ijtc-572	128	63	x2	x2	PROPN
ijtc-572	128	64	)	)	PUNCT
ijtc-572	128	65	has	have	VERB
ijtc-572	128	66	a	a	DET
ijtc-572	128	67	coefficient	coefficient	NOUN
ijtc-572	128	68	value	value	NOUN
ijtc-572	128	69	of	of	ADP
ijtc-572	128	70	0.263	0.263	NUM
ijtc-572	128	71	,	,	PUNCT
ijtc-572	128	72	a	a	DET
ijtc-572	128	73	positive	positive	ADJ
ijtc-572	128	74	coefficient	coefficient	NOUN
ijtc-572	128	75	value	value	NOUN
ijtc-572	128	76	means	mean	VERB
ijtc-572	128	77	that	that	SCONJ
ijtc-572	128	78	the	the	PRON
ijtc-572	128	79	higher	high	ADJ
ijtc-572	128	80	the	the	DET
ijtc-572	128	81	level	level	NOUN
ijtc-572	128	82	of	of	ADP
ijtc-572	128	83	financial	financial	ADJ
ijtc-572	128	84	literacy	literacy	NOUN
ijtc-572	128	85	,	,	PUNCT
ijtc-572	128	86	the	the	PRON
ijtc-572	128	87	higher	high	ADJ
ijtc-572	128	88	the	the	DET
ijtc-572	128	89	level	level	NOUN
ijtc-572	128	90	of	of	ADP
ijtc-572	128	91	financial	financial	ADJ
ijtc-572	128	92	inclusion	inclusion	NOUN
ijtc-572	128	93	.	.	PUNCT
ijtc-572	129	1	the	the	DET
ijtc-572	129	2	significance	significance	NOUN
ijtc-572	129	3	value	value	NOUN
ijtc-572	129	4	for	for	ADP
ijtc-572	129	5	the	the	DET
ijtc-572	129	6	financial	financial	ADJ
ijtc-572	129	7	literacy	literacy	NOUN
ijtc-572	129	8	variable	variable	NOUN
ijtc-572	129	9	is	be	AUX
ijtc-572	129	10	0.00	0.00	NUM
ijtc-572	129	11	,	,	PUNCT
ijtc-572	129	12	smaller	small	ADJ
ijtc-572	129	13	than	than	ADP
ijtc-572	129	14	0.05	0.05	NUM
ijtc-572	129	15	,	,	PUNCT
ijtc-572	129	16	while	while	SCONJ
ijtc-572	129	17	the	the	DET
ijtc-572	129	18	t	t	PROPN
ijtc-572	129	19	-	-	PUNCT
ijtc-572	129	20	count	count	NOUN
ijtc-572	129	21	value	value	NOUN
ijtc-572	129	22	is	be	AUX
ijtc-572	129	23	positive	positive	ADJ
ijtc-572	129	24	at	at	ADP
ijtc-572	129	25	7.123	7.123	NUM
ijtc-572	129	26	.	.	PUNCT
ijtc-572	130	1	3	3	X
ijtc-572	130	2	.	.	PUNCT
ijtc-572	131	1	the	the	DET
ijtc-572	131	2	results	result	NOUN
ijtc-572	131	3	of	of	ADP
ijtc-572	131	4	the	the	DET
ijtc-572	131	5	regression	regression	NOUN
ijtc-572	131	6	test	test	NOUN
ijtc-572	131	7	indicate	indicate	VERB
ijtc-572	131	8	that	that	DET
ijtc-572	131	9	h0	h0	NOUN
ijtc-572	131	10	is	be	AUX
ijtc-572	131	11	rejected	reject	VERB
ijtc-572	131	12	and	and	CCONJ
ijtc-572	131	13	h3	h3	NOUN
ijtc-572	131	14	is	be	AUX
ijtc-572	131	15	accepted	accept	VERB
ijtc-572	131	16	,	,	PUNCT
ijtc-572	131	17	which	which	PRON
ijtc-572	131	18	means	mean	VERB
ijtc-572	131	19	that	that	SCONJ
ijtc-572	131	20	the	the	DET
ijtc-572	131	21	intellectual	intellectual	ADJ
ijtc-572	131	22	capital	capital	NOUN
ijtc-572	131	23	variable	variable	NOUN
ijtc-572	131	24	has	have	VERB
ijtc-572	131	25	an	an	DET
ijtc-572	131	26	effect	effect	NOUN
ijtc-572	131	27	on	on	ADP
ijtc-572	131	28	the	the	DET
ijtc-572	131	29	financial	financial	ADJ
ijtc-572	131	30	inclusion	inclusion	NOUN
ijtc-572	131	31	variable	variable	NOUN
ijtc-572	131	32	.	.	PUNCT
ijtc-572	132	1	so	so	ADV
ijtc-572	132	2	it	it	PRON
ijtc-572	132	3	can	can	AUX
ijtc-572	132	4	be	be	AUX
ijtc-572	132	5	concluded	conclude	VERB
ijtc-572	132	6	that	that	SCONJ
ijtc-572	132	7	intellectual	intellectual	ADJ
ijtc-572	132	8	capital	capital	NOUN
ijtc-572	132	9	has	have	VERB
ijtc-572	132	10	a	a	DET
ijtc-572	132	11	positive	positive	ADJ
ijtc-572	132	12	and	and	CCONJ
ijtc-572	132	13	significant	significant	ADJ
ijtc-572	132	14	effect	effect	NOUN
ijtc-572	132	15	on	on	ADP
ijtc-572	132	16	financial	financial	ADJ
ijtc-572	132	17	inclusion	inclusion	NOUN
ijtc-572	132	18	.	.	PUNCT
ijtc-572	133	1	this	this	DET
ijtc-572	133	2	research	research	NOUN
ijtc-572	133	3	is	be	AUX
ijtc-572	133	4	supported	support	VERB
ijtc-572	133	5	by	by	ADP
ijtc-572	133	6	a	a	DET
ijtc-572	133	7	previous	previous	ADJ
ijtc-572	133	8	study	study	NOUN
ijtc-572	133	9	entitled	entitle	VERB
ijtc-572	133	10	the	the	DET
ijtc-572	133	11	impact	impact	NOUN
ijtc-572	133	12	of	of	ADP
ijtc-572	133	13	intellectual	intellectual	ADJ
ijtc-572	133	14	capital	capital	NOUN
ijtc-572	133	15	and	and	CCONJ
ijtc-572	133	16	public	public	ADJ
ijtc-572	133	17	financial	financial	ADJ
ijtc-572	133	18	services	service	NOUN
ijtc-572	133	19	education	education	NOUN
ijtc-572	133	20	on	on	ADP
ijtc-572	133	21	financial	financial	ADJ
ijtc-572	133	22	inclusion	inclusion	NOUN
ijtc-572	133	23	succession	succession	NOUN
ijtc-572	133	24	in	in	ADP
ijtc-572	133	25	indonesia	indonesia	PROPN
ijtc-572	133	26	with	with	ADP
ijtc-572	133	27	the	the	DET
ijtc-572	133	28	test	test	NOUN
ijtc-572	133	29	results	result	NOUN
ijtc-572	133	30	showing	show	VERB
ijtc-572	133	31	that	that	SCONJ
ijtc-572	133	32	the	the	DET
ijtc-572	133	33	intellectual	intellectual	ADJ
ijtc-572	133	34	capital	capital	NOUN
ijtc-572	133	35	variable	variable	NOUN
ijtc-572	133	36	has	have	VERB
ijtc-572	133	37	a	a	DET
ijtc-572	133	38	t	t	NOUN
ijtc-572	133	39	-	-	PUNCT
ijtc-572	133	40	value	value	NOUN
ijtc-572	133	41	value	value	NOUN
ijtc-572	133	42	of	of	ADP
ijtc-572	133	43	2.21	2.21	NUM
ijtc-572	133	44	or	or	CCONJ
ijtc-572	133	45	>	>	ADP
ijtc-572	133	46	0.196	0.196	NUM
ijtc-572	133	47	.	.	PUNCT
ijtc-572	134	1	reference	reference	NOUN
ijtc-572	134	2	aaron	aaron	PROPN
ijtc-572	134	3	,	,	PUNCT
ijtc-572	134	4	m.	m.	NOUN
ijtc-572	134	5	,	,	PUNCT
ijtc-572	134	6	rivadeneyra	rivadeneyra	NOUN
ijtc-572	134	7	,	,	PUNCT
ijtc-572	134	8	f.	f.	PROPN
ijtc-572	134	9	,	,	PUNCT
ijtc-572	134	10	&	&	CCONJ
ijtc-572	134	11	sohal	sohal	NOUN
ijtc-572	134	12	,	,	PUNCT
ijtc-572	134	13	s.	s.	PROPN
ijtc-572	134	14	(	(	PUNCT
ijtc-572	134	15	2017	2017	NUM
ijtc-572	134	16	)	)	PUNCT
ijtc-572	134	17	.	.	PUNCT
ijtc-572	135	1	fintech	fintech	NOUN
ijtc-572	135	2	:	:	PUNCT
ijtc-572	135	3	is	be	AUX
ijtc-572	135	4	this	this	DET
ijtc-572	135	5	time	time	NOUN
ijtc-572	135	6	different	different	ADJ
ijtc-572	135	7	?	?	PUNCT
ijtc-572	136	1	a	a	DET
ijtc-572	136	2	framework	framework	NOUN
ijtc-572	136	3	for	for	ADP
ijtc-572	136	4	assessing	assess	VERB
ijtc-572	136	5	risks	risk	NOUN
ijtc-572	136	6	and	and	CCONJ
ijtc-572	136	7	opportunities	opportunity	NOUN
ijtc-572	136	8	for	for	ADP
ijtc-572	136	9	central	central	ADJ
ijtc-572	136	10	banks	bank	NOUN
ijtc-572	136	11	.	.	PUNCT
ijtc-572	137	1	in	in	ADP
ijtc-572	137	2	bank	bank	PROPN
ijtc-572	137	3	of	of	ADP
ijtc-572	137	4	canada	canada	PROPN
ijtc-572	137	5	staff	staff	PROPN
ijtc-572	137	6	discussion	discussion	NOUN
ijtc-572	137	7	paper	paper	NOUN
ijtc-572	137	8	(	(	PUNCT
ijtc-572	137	9	no	no	INTJ
ijtc-572	137	10	.	.	PUNCT
ijtc-572	137	11	2017–10	2017–10	NUM
ijtc-572	137	12	;	;	PUNCT
ijtc-572	137	13	staff	staff	NOUN
ijtc-572	137	14	discussion	discussion	NOUN
ijtc-572	137	15	paper	paper	NOUN
ijtc-572	137	16	,	,	PUNCT
ijtc-572	137	17	vol	vol	NOUN
ijtc-572	137	18	.	.	PROPN
ijtc-572	137	19	10	10	NUM
ijtc-572	137	20	)	)	PUNCT
ijtc-572	137	21	.	.	PUNCT
ijtc-572	138	1	https://doi.org/10.34989/sdp-2017-10	https://doi.org/10.34989/sdp-2017-10	PROPN
ijtc-572	138	2	absah	absah	NOUN
ijtc-572	138	3	,	,	PUNCT
ijtc-572	138	4	y.	y.	NOUN
ijtc-572	138	5	,	,	PUNCT
ijtc-572	138	6	chairunisa	chairunisa	NOUN
ijtc-572	138	7	muchtar	muchtar	NOUN
ijtc-572	138	8	,	,	PUNCT
ijtc-572	138	9	y.	y.	PROPN
ijtc-572	138	10	,	,	PUNCT
ijtc-572	138	11	&	&	CCONJ
ijtc-572	138	12	qamariah	qamariah	PROPN
ijtc-572	138	13	,	,	PUNCT
ijtc-572	138	14	i.	i.	PROPN
ijtc-572	138	15	(	(	PUNCT
ijtc-572	138	16	2018	2018	NUM
ijtc-572	138	17	)	)	PUNCT
ijtc-572	138	18	.	.	PUNCT
ijtc-572	139	1	the	the	DET
ijtc-572	139	2	effect	effect	NOUN
ijtc-572	139	3	of	of	ADP
ijtc-572	139	4	intellectual	intellectual	ADJ
ijtc-572	139	5	capital	capital	NOUN
ijtc-572	139	6	on	on	ADP
ijtc-572	139	7	business	business	NOUN
ijtc-572	139	8	performance	performance	NOUN
ijtc-572	139	9	in	in	ADP
ijtc-572	139	10	micro-	micro-	NOUN
ijtc-572	139	11	,	,	PUNCT
ijtc-572	139	12	small-	small-	X
ijtc-572	139	13	,	,	PUNCT
ijtc-572	139	14	and	and	CCONJ
ijtc-572	139	15	medium	medium	ADJ
ijtc-572	139	16	enterprise	enterprise	NOUN
ijtc-572	139	17	(	(	PUNCT
ijtc-572	139	18	msme	msme	NOUN
ijtc-572	139	19	)	)	PUNCT
ijtc-572	139	20	in	in	ADP
ijtc-572	139	21	medan	medan	PROPN
ijtc-572	139	22	city	city	PROPN
ijtc-572	139	23	.	.	PUNCT
ijtc-572	140	1	kne	kne	PROPN
ijtc-572	140	2	social	social	PROPN
ijtc-572	140	3	sciences	sciences	PROPN
ijtc-572	140	4	,	,	PUNCT
ijtc-572	140	5	3(10	3(10	NUM
ijtc-572	140	6	)	)	PUNCT
ijtc-572	140	7	,	,	PUNCT
ijtc-572	140	8	177–186	177–186	NUM
ijtc-572	140	9	.	.	PUNCT
ijtc-572	141	1	https://doi.org/10.18502/kss.v3i10.3371	https://doi.org/10.18502/kss.v3i10.3371	PROPN
ijtc-572	141	2	anas	anas	PROPN
ijtc-572	141	3	,	,	PUNCT
ijtc-572	141	4	t.	t.	PROPN
ijtc-572	141	5	,	,	PUNCT
ijtc-572	141	6	mangunsong	mangunsong	PROPN
ijtc-572	141	7	,	,	PUNCT
ijtc-572	141	8	c.	c.	PROPN
ijtc-572	141	9	,	,	PUNCT
ijtc-572	141	10	&	&	CCONJ
ijtc-572	141	11	panjaitan	panjaitan	PROPN
ijtc-572	141	12	,	,	PUNCT
ijtc-572	141	13	n.	n.	PROPN
ijtc-572	141	14	a.	a.	NOUN
ijtc-572	141	15	(	(	PUNCT
ijtc-572	141	16	2017	2017	NUM
ijtc-572	141	17	)	)	PUNCT
ijtc-572	141	18	.	.	PUNCT
ijtc-572	142	1	indonesian	indonesian	PROPN
ijtc-572	142	2	sme	sme	PROPN
ijtc-572	142	3	participation	participation	PROPN
ijtc-572	142	4	in	in	ADP
ijtc-572	142	5	asean	asean	ADJ
ijtc-572	142	6	economic	economic	ADJ
ijtc-572	142	7	integration	integration	NOUN
ijtc-572	142	8	.	.	PUNCT
ijtc-572	143	1	southeast	southeast	ADJ
ijtc-572	143	2	asian	asian	ADJ
ijtc-572	143	3	economies	economy	NOUN
ijtc-572	143	4	,	,	PUNCT
ijtc-572	143	5	34(1	34(1	NUM
ijtc-572	143	6	)	)	PUNCT
ijtc-572	143	7	,	,	PUNCT
ijtc-572	144	1	77–117	77–117	NUM
ijtc-572	144	2	.	.	PUNCT
ijtc-572	145	1	https://doi.org/10.1355/ae34-1d	https://doi.org/10.1355/ae34-1d	NOUN
ijtc-572	145	2	anjaningrum	anjaningrum	PROPN
ijtc-572	145	3	,	,	PUNCT
ijtc-572	145	4	w.	w.	PROPN
ijtc-572	145	5	d.	d.	PROPN
ijtc-572	145	6	(	(	PUNCT
ijtc-572	145	7	2020	2020	NUM
ijtc-572	145	8	)	)	PUNCT
ijtc-572	145	9	.	.	PUNCT
ijtc-572	146	1	efektivitas	efektivitas	VERB
ijtc-572	146	2	digital	digital	ADJ
ijtc-572	146	3	marketing	marketing	PROPN
ijtc-572	146	4	dan	dan	PROPN
ijtc-572	146	5	networks	networks	PROPN
ijtc-572	146	6	dalam	dalam	PROPN
ijtc-572	146	7	mendongkrak	mendongkrak	VERB
ijtc-572	146	8	kinerja	kinerja	PROPN
ijtc-572	146	9	pemasaran	pemasaran	PROPN
ijtc-572	146	10	ukm	ukm	PROPN
ijtc-572	146	11	di	di	PROPN
ijtc-572	146	12	masa	masa	PROPN
ijtc-572	146	13	pandemi	pandemi	ADP
ijtc-572	146	14	covid-19	covid-19	PROPN
ijtc-572	146	15	.	.	PROPN
ijtc-572	146	16	senabisma	senabisma	PROPN
ijtc-572	146	17	:	:	PUNCT
ijtc-572	146	18	seminar	seminar	NOUN
ijtc-572	146	19	nasional	nasional	ADJ
ijtc-572	146	20	administrasi	administrasi	NOUN
ijtc-572	146	21	bisnis	bisnis	PROPN
ijtc-572	146	22	dan	dan	PROPN
ijtc-572	146	23	manajemen	manajemen	PROPN
ijtc-572	146	24	,	,	PUNCT
ijtc-572	146	25	5(7	5(7	NUM
ijtc-572	146	26	)	)	PUNCT
ijtc-572	146	27	,	,	PUNCT
ijtc-572	146	28	50–61	50–61	NUM
ijtc-572	146	29	.	.	PUNCT
ijtc-572	147	1	https://prosiding.polinema.ac.id/senabisma/index.php/senabisma/senabisma2020/paper/	https://prosiding.polinema.ac.id/senabisma/index.php/senabisma/senabisma2020/paper/	PROPN
ijtc-572	147	2	viewfile/28/16	viewfile/28/16	VERB
ijtc-572	147	3	ansori	ansori	PROPN
ijtc-572	147	4	,	,	PUNCT
ijtc-572	147	5	m.	m.	NOUN
ijtc-572	147	6	(	(	PUNCT
ijtc-572	147	7	2019	2019	NUM
ijtc-572	147	8	)	)	PUNCT
ijtc-572	147	9	.	.	PUNCT
ijtc-572	148	1	perkembangan	perkembangan	PROPN
ijtc-572	148	2	dan	dan	PROPN
ijtc-572	148	3	dampak	dampak	PROPN
ijtc-572	148	4	financial	financial	PROPN
ijtc-572	148	5	technology	technology	NOUN
ijtc-572	148	6	(	(	PUNCT
ijtc-572	148	7	fintech	fintech	NOUN
ijtc-572	148	8	)	)	PUNCT
ijtc-572	148	9	terhadap	terhadap	PROPN
ijtc-572	148	10	industri	industri	PROPN
ijtc-572	148	11	keuangan	keuangan	PROPN
ijtc-572	148	12	syariah	syariah	PROPN
ijtc-572	148	13	di	di	PROPN
ijtc-572	148	14	jawa	jawa	PROPN
ijtc-572	148	15	tengah	tengah	PROPN
ijtc-572	148	16	.	.	PUNCT
ijtc-572	149	1	wahana	wahana	PROPN
ijtc-572	149	2	islamika	islamika	PROPN
ijtc-572	149	3	:	:	PUNCT
ijtc-572	149	4	jurnal	jurnal	ADJ
ijtc-572	149	5	studi	studi	PROPN
ijtc-572	149	6	keislaman	keislaman	PROPN
ijtc-572	149	7	,	,	PUNCT
ijtc-572	149	8	5(1	5(1	NUM
ijtc-572	149	9	)	)	PUNCT
ijtc-572	149	10	,	,	PUNCT
ijtc-572	149	11	32–45	32–45	NUM
ijtc-572	149	12	.	.	PROPN
ijtc-572	149	13	https://doi.org/10.5281/wahanaislamika.v5i1.41	https://doi.org/10.5281/wahanaislamika.v5i1.41	PROPN
ijtc-572	149	14	anwar	anwar	PROPN
ijtc-572	149	15	,	,	PUNCT
ijtc-572	149	16	k.	k.	PROPN
ijtc-572	149	17	(	(	PUNCT
ijtc-572	149	18	2017	2017	NUM
ijtc-572	149	19	)	)	PUNCT
ijtc-572	149	20	.	.	PUNCT
ijtc-572	150	1	pengaruh	pengaruh	NOUN
ijtc-572	150	2	inklusi	inklusi	ADJ
ijtc-572	150	3	keuangan	keuangan	PROPN
ijtc-572	150	4	terhadap	terhadap	PROPN
ijtc-572	150	5	pdb	pdb	PROPN
ijtc-572	150	6	indonesia	indonesia	PROPN
ijtc-572	150	7	.	.	PUNCT
ijtc-572	151	1	agustus	agustus	PROPN
ijtc-572	151	2	,	,	PUNCT
ijtc-572	151	3	2(3	2(3	NUM
ijtc-572	151	4	)	)	PUNCT
ijtc-572	151	5	,	,	PUNCT
ijtc-572	151	6	454–462	454–462	NUM
ijtc-572	151	7	.	.	PUNCT
ijtc-572	152	1	arner	arner	NOUN
ijtc-572	152	2	,	,	PUNCT
ijtc-572	152	3	d.	d.	PROPN
ijtc-572	152	4	w.	w.	PROPN
ijtc-572	152	5	,	,	PUNCT
ijtc-572	152	6	barberis	barberis	PROPN
ijtc-572	152	7	,	,	PUNCT
ijtc-572	152	8	j.	j.	PROPN
ijtc-572	152	9	n.	n.	PROPN
ijtc-572	152	10	,	,	PUNCT
ijtc-572	152	11	&	&	CCONJ
ijtc-572	152	12	buckley	buckley	PROPN
ijtc-572	152	13	,	,	PUNCT
ijtc-572	152	14	r.	r.	PROPN
ijtc-572	152	15	p.	p.	PROPN
ijtc-572	152	16	(	(	PUNCT
ijtc-572	152	17	2015	2015	NUM
ijtc-572	152	18	)	)	PUNCT
ijtc-572	152	19	.	.	PUNCT
ijtc-572	153	1	the	the	DET
ijtc-572	153	2	evolution	evolution	NOUN
ijtc-572	153	3	of	of	ADP
ijtc-572	153	4	fintech	fintech	NOUN
ijtc-572	153	5	:	:	PUNCT
ijtc-572	153	6	a	a	DET
ijtc-572	153	7	new	new	ADJ
ijtc-572	153	8	postcrisis	postcrisis	NOUN
ijtc-572	153	9	paradigm	paradigm	NOUN
ijtc-572	153	10	?	?	PUNCT
ijtc-572	154	1	ssrn	ssrn	PROPN
ijtc-572	154	2	electronic	electronic	ADJ
ijtc-572	154	3	journal	journal	PROPN
ijtc-572	154	4	.	.	PUNCT
ijtc-572	155	1	https://doi.org/10.2139/ssrn.2676553	https://doi.org/10.2139/ssrn.2676553	PROPN
ijtc-572	155	2	bank	bank	PROPN
ijtc-572	155	3	indonesia	indonesia	PROPN
ijtc-572	155	4	.	.	PUNCT
ijtc-572	156	1	(	(	PUNCT
ijtc-572	156	2	2017	2017	NUM
ijtc-572	156	3	)	)	PUNCT
ijtc-572	156	4	.	.	PUNCT
ijtc-572	157	1	peraturan	peraturan	PROPN
ijtc-572	157	2	bank	bank	PROPN
ijtc-572	157	3	indonesia	indonesia	PROPN
ijtc-572	157	4	(	(	PUNCT
ijtc-572	157	5	pbi	pbi	NOUN
ijtc-572	157	6	)	)	PUNCT
ijtc-572	157	7	no.19/12	no.19/12	NOUN
ijtc-572	157	8	/	/	SYM
ijtc-572	157	9	pbi/2017	pbi/2017	ADP
ijtc-572	157	10	tentang	tentang	PROPN
ijtc-572	157	11	penyelenggaraan	penyelenggaraan	PROPN
ijtc-572	157	12	teknologi	teknologi	PROPN
ijtc-572	157	13	finansial	finansial	NOUN
ijtc-572	157	14	.	.	PUNCT
ijtc-572	158	1	in	in	ADP
ijtc-572	158	2	bank	bank	PROPN
ijtc-572	158	3	indonesia	indonesia	PROPN
ijtc-572	158	4	(	(	PUNCT
ijtc-572	158	5	pp	pp	ADJ
ijtc-572	158	6	.	.	PUNCT
ijtc-572	158	7	1–27	1–27	NUM
ijtc-572	158	8	)	)	PUNCT
ijtc-572	158	9	.	.	PUNCT
ijtc-572	159	1	bank	bank	PROPN
ijtc-572	159	2	indonesia	indonesia	PROPN
ijtc-572	159	3	.	.	PUNCT
ijtc-572	160	1	https://www.bi.go.id/id/publikasi/peraturan/pages/pbi_191217.aspx	https://www.bi.go.id/id/publikasi/peraturan/pages/pbi_191217.aspx	PROPN
ijtc-572	160	2	bfi	bfi	PROPN
ijtc-572	160	3	finance	finance	PROPN
ijtc-572	160	4	.	.	PUNCT
ijtc-572	161	1	(	(	PUNCT
ijtc-572	161	2	2022	2022	NUM
ijtc-572	161	3	)	)	PUNCT
ijtc-572	161	4	.	.	PUNCT
ijtc-572	162	1	what	what	PRON
ijtc-572	162	2	is	be	AUX
ijtc-572	162	3	fintech	fintech	NOUN
ijtc-572	162	4	:	:	PUNCT
ijtc-572	162	5	definition	definition	NOUN
ijtc-572	162	6	,	,	PUNCT
ijtc-572	162	7	types	type	NOUN
ijtc-572	162	8	,	,	PUNCT
ijtc-572	162	9	list	list	NOUN
ijtc-572	162	10	of	of	ADP
ijtc-572	162	11	legal	legal	ADJ
ijtc-572	162	12	fintech	fintech	NOUN
ijtc-572	162	13	2022	2022	NUM
ijtc-572	162	14	.	.	PUNCT
ijtc-572	163	1	bfi	bfi	PROPN
ijtc-572	163	2	finance	finance	PROPN
ijtc-572	163	3	.	.	PUNCT
ijtc-572	164	1	https://www.bfi.co.id/en/blog/apa-itu-fintech-pengertian-jenis-manfaat-daftar-fintechlegal-2022	https://www.bfi.co.id/en/blog/apa-itu-fintech-pengertian-jenis-manfaat-daftar-fintechlegal-2022	NOUN
ijtc-572	164	2	chatterjee	chatterjee	PROPN
ijtc-572	164	3	,	,	PUNCT
ijtc-572	164	4	s.	s.	PROPN
ijtc-572	164	5	,	,	PUNCT
ijtc-572	164	6	chaudhuri	chaudhuri	PROPN
ijtc-572	164	7	,	,	PUNCT
ijtc-572	164	8	r.	r.	PROPN
ijtc-572	164	9	,	,	PUNCT
ijtc-572	164	10	vrontis	vrontis	PROPN
ijtc-572	164	11	,	,	PUNCT
ijtc-572	164	12	d.	d.	PROPN
ijtc-572	164	13	,	,	PUNCT
ijtc-572	164	14	&	&	CCONJ
ijtc-572	164	15	thrassou	thrassou	PROPN
ijtc-572	164	16	,	,	PUNCT
ijtc-572	164	17	a.	a.	NOUN
ijtc-572	164	18	(	(	PUNCT
ijtc-572	164	19	2022	2022	NUM
ijtc-572	164	20	)	)	PUNCT
ijtc-572	164	21	.	.	PUNCT
ijtc-572	165	1	sme	sme	NOUN
ijtc-572	165	2	entrepreneurship	entrepreneurship	NOUN
ijtc-572	165	3	and	and	CCONJ
ijtc-572	165	4	digitalization	digitalization	NOUN
ijtc-572	165	5	–	–	PUNCT
ijtc-572	165	6	the	the	DET
ijtc-572	165	7	potentialities	potentiality	NOUN
ijtc-572	165	8	and	and	CCONJ
ijtc-572	165	9	moderating	moderate	VERB
ijtc-572	165	10	role	role	NOUN
ijtc-572	165	11	of	of	ADP
ijtc-572	165	12	demographic	demographic	ADJ
ijtc-572	165	13	factors	factor	NOUN
ijtc-572	165	14	.	.	PUNCT
ijtc-572	166	1	technological	technological	ADJ
ijtc-572	166	2	forecasting	forecasting	NOUN
ijtc-572	166	3	and	and	CCONJ
ijtc-572	166	4	social	social	ADJ
ijtc-572	166	5	change	change	NOUN
ijtc-572	166	6	,	,	PUNCT
ijtc-572	166	7	179	179	NUM
ijtc-572	166	8	,	,	PUNCT
ijtc-572	166	9	121648	121648	NUM
ijtc-572	166	10	.	.	PUNCT
ijtc-572	167	1	https://doi.org/10.1016/j.techfore.2022.121648	https://doi.org/10.1016/j.techfore.2022.121648	PROPN
ijtc-572	167	2	influence	influence	VERB
ijtc-572	167	3	financial	financial	ADJ
ijtc-572	167	4	technology	technology	NOUN
ijtc-572	167	5	,	,	PUNCT
ijtc-572	167	6	financial	financial	ADJ
ijtc-572	167	7	literacy	literacy	NOUN
ijtc-572	167	8	,	,	PUNCT
ijtc-572	167	9	and	and	CCONJ
ijtc-572	167	10	intellectual	intellectual	ADJ
ijtc-572	167	11	capital	capital	NOUN
ijtc-572	167	12	on	on	ADP
ijtc-572	167	13	financial	financial	ADJ
ijtc-572	167	14	inclusion	inclusion	NOUN
ijtc-572	167	15	in	in	ADP
ijtc-572	167	16	micro	micro	PROPN
ijtc-572	167	17	,	,	PUNCT
ijtc-572	167	18	small	small	ADJ
ijtc-572	167	19	and	and	CCONJ
ijtc-572	167	20	medium	medium	ADJ
ijtc-572	167	21	enterprises	enterprise	NOUN
ijtc-572	167	22	(	(	PUNCT
ijtc-572	167	23	msmes	msmes	PROPN
ijtc-572	167	24	)	)	PUNCT
ijtc-572	167	25	martini	martini	NOUN
ijtc-572	167	26	,	,	PUNCT
ijtc-572	167	27	triharyati	triharyati	NOUN
ijtc-572	167	28	,	,	PUNCT
ijtc-572	167	29	and	and	CCONJ
ijtc-572	167	30	rimbano	rimbano	VERB
ijtc-572	167	31	418	418	NUM
ijtc-572	167	32	|	|	ADV
ijtc-572	167	33	ilomata	ilomata	PROPN
ijtc-572	167	34	international	international	ADJ
ijtc-572	167	35	journal	journal	NOUN
ijtc-572	167	36	of	of	ADP
ijtc-572	167	37	tax	tax	PROPN
ijtc-572	167	38	&	&	CCONJ
ijtc-572	167	39	accounting	accounting	PROPN
ijtc-572	167	40	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-572	167	41	dewi	dewi	PROPN
ijtc-572	167	42	,	,	PUNCT
ijtc-572	167	43	m.	m.	NOUN
ijtc-572	167	44	a.	a.	NOUN
ijtc-572	167	45	(	(	PUNCT
ijtc-572	167	46	2020	2020	NUM
ijtc-572	167	47	)	)	PUNCT
ijtc-572	167	48	.	.	PUNCT
ijtc-572	168	1	dampak	dampak	PROPN
ijtc-572	168	2	fintech	fintech	PROPN
ijtc-572	168	3	terhadap	terhadap	PROPN
ijtc-572	168	4	perkembangan	perkembangan	VERB
ijtc-572	168	5	inklusi	inklusi	PROPN
ijtc-572	168	6	keuangan	keuangan	PROPN
ijtc-572	168	7	pada	pada	PROPN
ijtc-572	168	8	umkm	umkm	PROPN
ijtc-572	168	9	di	di	PROPN
ijtc-572	168	10	jawa	jawa	PROPN
ijtc-572	168	11	timur	timur	PROPN
ijtc-572	168	12	.	.	PUNCT
ijtc-572	169	1	gorontalo	gorontalo	ADJ
ijtc-572	169	2	accounting	accounting	NOUN
ijtc-572	169	3	journal	journal	NOUN
ijtc-572	169	4	,	,	PUNCT
ijtc-572	169	5	3(2	3(2	NUM
ijtc-572	169	6	)	)	PUNCT
ijtc-572	169	7	,	,	PUNCT
ijtc-572	169	8	68	68	NUM
ijtc-572	169	9	.	.	PUNCT
ijtc-572	170	1	https://doi.org/10.32662/gaj.v3i2.973	https://doi.org/10.32662/gaj.v3i2.973	PROPN
ijtc-572	170	2	ghozali	ghozali	PROPN
ijtc-572	170	3	,	,	PUNCT
ijtc-572	170	4	i.	i.	PROPN
ijtc-572	170	5	(	(	PUNCT
ijtc-572	170	6	2016	2016	NUM
ijtc-572	170	7	)	)	PUNCT
ijtc-572	170	8	.	.	PUNCT
ijtc-572	171	1	aplikasi	aplikasi	PROPN
ijtc-572	171	2	analisis	analisis	PROPN
ijtc-572	171	3	multivariete	multivariete	PROPN
ijtc-572	171	4	dengan	dengan	PROPN
ijtc-572	171	5	program	program	PROPN
ijtc-572	171	6	ibm	ibm	PROPN
ijtc-572	171	7	spss	spss	PROPN
ijtc-572	171	8	23	23	NUM
ijtc-572	171	9	(	(	PUNCT
ijtc-572	171	10	i.	i.	PROPN
ijtc-572	171	11	ghozali	ghozali	PROPN
ijtc-572	171	12	(	(	PUNCT
ijtc-572	171	13	ed	ed	NOUN
ijtc-572	171	14	.	.	PUNCT
ijtc-572	171	15	)	)	PUNCT
ijtc-572	171	16	;	;	PUNCT
ijtc-572	171	17	8th	8th	ADJ
ijtc-572	171	18	ed	ed	NOUN
ijtc-572	171	19	.	.	PUNCT
ijtc-572	171	20	)	)	PUNCT
ijtc-572	171	21	.	.	PUNCT
ijtc-572	172	1	badan	badan	PROPN
ijtc-572	172	2	penerbit	penerbit	PROPN
ijtc-572	172	3	universitas	universita	NOUN
ijtc-572	172	4	diponegoro	diponegoro	PROPN
ijtc-572	172	5	.	.	PUNCT
ijtc-572	173	1	http://kin.perpusnas.go.id/displaydata.aspx?pid=218217&pregioncode=un11mar&p	http://kin.perpusnas.go.id/displaydata.aspx?pid=218217&pregioncode=un11mar&p	PROPN
ijtc-572	173	2	clientid=112	clientid=112	PROPN
ijtc-572	173	3	haron	haron	PROPN
ijtc-572	173	4	,	,	PUNCT
ijtc-572	173	5	h.	h.	PROPN
ijtc-572	173	6	,	,	PUNCT
ijtc-572	173	7	said	say	VERB
ijtc-572	173	8	,	,	PUNCT
ijtc-572	173	9	s.	s.	PROPN
ijtc-572	173	10	b.	b.	PROPN
ijtc-572	173	11	,	,	PUNCT
ijtc-572	173	12	jayaraman	jayaraman	NOUN
ijtc-572	173	13	,	,	PUNCT
ijtc-572	173	14	k.	k.	PROPN
ijtc-572	173	15	,	,	PUNCT
ijtc-572	173	16	&	&	CCONJ
ijtc-572	173	17	ismail	ismail	PROPN
ijtc-572	173	18	,	,	PUNCT
ijtc-572	173	19	i.	i.	PROPN
ijtc-572	173	20	(	(	PUNCT
ijtc-572	173	21	2013	2013	NUM
ijtc-572	173	22	)	)	PUNCT
ijtc-572	173	23	.	.	PUNCT
ijtc-572	174	1	factors	factor	NOUN
ijtc-572	174	2	influencing	influence	VERB
ijtc-572	174	3	small	small	ADJ
ijtc-572	174	4	medium	medium	ADJ
ijtc-572	174	5	enterprises	enterprise	NOUN
ijtc-572	174	6	(	(	PUNCT
ijtc-572	174	7	smes	sme	NOUN
ijtc-572	174	8	)	)	PUNCT
ijtc-572	174	9	in	in	ADP
ijtc-572	174	10	obtaining	obtain	VERB
ijtc-572	174	11	loan	loan	NOUN
ijtc-572	174	12	.	.	PUNCT
ijtc-572	175	1	international	international	ADJ
ijtc-572	175	2	journal	journal	PROPN
ijtc-572	175	3	of	of	ADP
ijtc-572	175	4	business	business	NOUN
ijtc-572	175	5	and	and	CCONJ
ijtc-572	175	6	social	social	ADJ
ijtc-572	175	7	science	science	NOUN
ijtc-572	175	8	,	,	PUNCT
ijtc-572	175	9	4(15	4(15	X
ijtc-572	175	10	)	)	PUNCT
ijtc-572	175	11	,	,	PUNCT
ijtc-572	175	12	182–195	182–195	NUM
ijtc-572	175	13	.	.	PUNCT
ijtc-572	175	14	https://ijbssnet.com/journals/vol_4_no_15_special_issue_november_2013/25.pdf	https://ijbssnet.com/journals/vol_4_no_15_special_issue_november_2013/25.pdf	PRON
ijtc-572	175	15	holle	holle	NOUN
ijtc-572	175	16	,	,	PUNCT
ijtc-572	175	17	m.	m.	NOUN
ijtc-572	175	18	h.	h.	PROPN
ijtc-572	175	19	(	(	PUNCT
ijtc-572	175	20	2019	2019	NUM
ijtc-572	175	21	)	)	PUNCT
ijtc-572	175	22	.	.	PUNCT
ijtc-572	176	1	inklusi	inklusi	PROPN
ijtc-572	176	2	keuangan	keuangan	PROPN
ijtc-572	176	3	:	:	PUNCT
ijtc-572	176	4	solusi	solusi	PROPN
ijtc-572	176	5	pengentasan	pengentasan	PROPN
ijtc-572	176	6	kemiskinan	kemiskinan	PROPN
ijtc-572	176	7	guna	guna	PROPN
ijtc-572	176	8	daya	daya	PROPN
ijtc-572	176	9	saing	sae	VERB
ijtc-572	176	10	perekonomian	perekonomian	PROPN
ijtc-572	176	11	bangsa	bangsa	PROPN
ijtc-572	176	12	.	.	PUNCT
ijtc-572	177	1	amal	amal	ADJ
ijtc-572	177	2	:	:	PUNCT
ijtc-572	177	3	jurnal	jurnal	ADJ
ijtc-572	177	4	ekonomi	ekonomi	PROPN
ijtc-572	177	5	syariah	syariah	PROPN
ijtc-572	177	6	,	,	PUNCT
ijtc-572	177	7	01(02	01(02	NOUN
ijtc-572	177	8	)	)	PUNCT
ijtc-572	177	9	,	,	PUNCT
ijtc-572	177	10	1–14	1–14	PROPN
ijtc-572	177	11	.	.	PROPN
ijtc-572	177	12	https://jurnal.iainambon.ac.id/index.php/amal/article/view/1257	https://jurnal.iainambon.ac.id/index.php/amal/article/view/1257	PROPN
ijtc-572	177	13	international	international	ADJ
ijtc-572	177	14	trade	trade	NOUN
ijtc-572	177	15	administration	administration	NOUN
ijtc-572	177	16	.	.	PUNCT
ijtc-572	178	1	(	(	PUNCT
ijtc-572	178	2	2016	2016	NUM
ijtc-572	178	3	)	)	PUNCT
ijtc-572	178	4	.	.	PUNCT
ijtc-572	179	1	2016	2016	NUM
ijtc-572	179	2	top	top	ADJ
ijtc-572	179	3	markets	market	NOUN
ijtc-572	179	4	report	report	VERB
ijtc-572	179	5	financial	financial	ADJ
ijtc-572	179	6	technology	technology	NOUN
ijtc-572	179	7	:	:	PUNCT
ijtc-572	179	8	overview	overview	NOUN
ijtc-572	179	9	and	and	CCONJ
ijtc-572	179	10	key	key	ADJ
ijtc-572	179	11	findings	finding	NOUN
ijtc-572	179	12	.	.	PUNCT
ijtc-572	180	1	in	in	ADP
ijtc-572	180	2	u.s	u.s	PROPN
ijtc-572	180	3	.	.	PROPN
ijtc-572	180	4	department	department	PROPN
ijtc-572	180	5	of	of	ADP
ijtc-572	180	6	commerce	commerce	PROPN
ijtc-572	180	7	.	.	PUNCT
ijtc-572	181	1	https://legacy.trade.gov/topmarkets/pdf/financial_technology_executive_summary.pdf	https://legacy.trade.gov/topmarkets/pdf/financial_technology_executive_summary.pdf	PROPN
ijtc-572	181	2	janita	janita	PROPN
ijtc-572	181	3	,	,	PUNCT
ijtc-572	181	4	i.	i.	PROPN
ijtc-572	181	5	,	,	PUNCT
ijtc-572	181	6	&	&	CCONJ
ijtc-572	181	7	chong	chong	PROPN
ijtc-572	181	8	,	,	PUNCT
ijtc-572	181	9	w.	w.	PROPN
ijtc-572	181	10	k.	k.	PROPN
ijtc-572	181	11	(	(	PUNCT
ijtc-572	181	12	2013	2013	NUM
ijtc-572	181	13	)	)	PUNCT
ijtc-572	181	14	.	.	PUNCT
ijtc-572	182	1	barriers	barrier	NOUN
ijtc-572	182	2	of	of	ADP
ijtc-572	182	3	b2b	b2b	NOUN
ijtc-572	182	4	e	e	NOUN
ijtc-572	182	5	-	-	NOUN
ijtc-572	182	6	business	business	ADJ
ijtc-572	182	7	adoption	adoption	NOUN
ijtc-572	182	8	in	in	ADP
ijtc-572	182	9	indonesian	indonesian	ADJ
ijtc-572	182	10	smes	sme	NOUN
ijtc-572	182	11	:	:	PUNCT
ijtc-572	182	12	a	a	DET
ijtc-572	182	13	literature	literature	NOUN
ijtc-572	182	14	analysis	analysis	NOUN
ijtc-572	182	15	.	.	PUNCT
ijtc-572	183	1	procedia	procedia	NOUN
ijtc-572	183	2	computer	computer	NOUN
ijtc-572	183	3	science	science	NOUN
ijtc-572	183	4	,	,	PUNCT
ijtc-572	183	5	17	17	NUM
ijtc-572	183	6	,	,	PUNCT
ijtc-572	183	7	571–578	571–578	NUM
ijtc-572	183	8	.	.	PUNCT
ijtc-572	184	1	https://doi.org/10.1016/j.procs.2013.05.073	https://doi.org/10.1016/j.procs.2013.05.073	NUM
ijtc-572	184	2	kumala	kumala	PROPN
ijtc-572	184	3	,	,	PUNCT
ijtc-572	184	4	r.	r.	PROPN
ijtc-572	184	5	,	,	PUNCT
ijtc-572	184	6	&	&	CCONJ
ijtc-572	184	7	junaidi	junaidi	PROPN
ijtc-572	184	8	,	,	PUNCT
ijtc-572	184	9	a.	a.	NOUN
ijtc-572	184	10	(	(	PUNCT
ijtc-572	184	11	2020	2020	NUM
ijtc-572	184	12	)	)	PUNCT
ijtc-572	184	13	.	.	PUNCT
ijtc-572	185	1	strategi	strategi	PROPN
ijtc-572	185	2	bisnis	bisnis	PROPN
ijtc-572	185	3	dan	dan	PROPN
ijtc-572	185	4	pemanfaatan	pemanfaatan	PROPN
ijtc-572	185	5	kebijakan	kebijakan	PROPN
ijtc-572	185	6	pajak	pajak	PROPN
ijtc-572	185	7	di	di	PROPN
ijtc-572	185	8	masa	masa	PROPN
ijtc-572	185	9	pandemi	pandemi	ADP
ijtc-572	185	10	covid-19	covid-19	PROPN
ijtc-572	185	11	dan	dan	PROPN
ijtc-572	185	12	era	era	NOUN
ijtc-572	185	13	new	new	ADJ
ijtc-572	185	14	normal	normal	ADJ
ijtc-572	185	15	(	(	PUNCT
ijtc-572	185	16	studi	studi	PROPN
ijtc-572	185	17	kasus	kasus	PROPN
ijtc-572	185	18	pelaku	pelaku	PROPN
ijtc-572	185	19	ukm	ukm	PROPN
ijtc-572	185	20	marketplace	marketplace	PROPN
ijtc-572	185	21	)	)	PUNCT
ijtc-572	185	22	.	.	PUNCT
ijtc-572	186	1	prosiding	proside	VERB
ijtc-572	186	2	seminar	seminar	NOUN
ijtc-572	186	3	stiami	stiami	NOUN
ijtc-572	186	4	,	,	PUNCT
ijtc-572	186	5	7(2	7(2	NUM
ijtc-572	186	6	)	)	PUNCT
ijtc-572	186	7	,	,	PUNCT
ijtc-572	186	8	98–103	98–103	NUM
ijtc-572	186	9	.	.	PUNCT
ijtc-572	187	1	https://ojs.stiami.ac.id/index.php/ps/article/view/960	https://ojs.stiami.ac.id/index.php/ps/article/view/960	NOUN
ijtc-572	187	2	leitner	leitner	NOUN
ijtc-572	187	3	,	,	PUNCT
ijtc-572	187	4	k.	k.	PROPN
ijtc-572	187	5	h.	h.	PROPN
ijtc-572	187	6	(	(	PUNCT
ijtc-572	187	7	2011	2011	NUM
ijtc-572	187	8	)	)	PUNCT
ijtc-572	187	9	.	.	PUNCT
ijtc-572	188	1	the	the	DET
ijtc-572	188	2	effect	effect	NOUN
ijtc-572	188	3	of	of	ADP
ijtc-572	188	4	intellectual	intellectual	ADJ
ijtc-572	188	5	capital	capital	NOUN
ijtc-572	188	6	on	on	ADP
ijtc-572	188	7	product	product	NOUN
ijtc-572	188	8	innovativeness	innovativeness	NOUN
ijtc-572	188	9	in	in	ADP
ijtc-572	188	10	smes	sme	NOUN
ijtc-572	188	11	.	.	PUNCT
ijtc-572	189	1	international	international	ADJ
ijtc-572	189	2	journal	journal	PROPN
ijtc-572	189	3	of	of	ADP
ijtc-572	189	4	technology	technology	NOUN
ijtc-572	189	5	management	management	NOUN
ijtc-572	189	6	,	,	PUNCT
ijtc-572	189	7	53(1	53(1	NOUN
ijtc-572	189	8	)	)	PUNCT
ijtc-572	189	9	,	,	PUNCT
ijtc-572	189	10	1–18	1–18	NUM
ijtc-572	189	11	.	.	PUNCT
ijtc-572	190	1	https://doi.org/10.1504/ijtm.2011.037235	https://doi.org/10.1504/ijtm.2011.037235	PROPN
ijtc-572	190	2	marginingsih	marginingsih	NOUN
ijtc-572	190	3	,	,	PUNCT
ijtc-572	190	4	r.	r.	PROPN
ijtc-572	190	5	(	(	PUNCT
ijtc-572	190	6	2021	2021	NUM
ijtc-572	190	7	)	)	PUNCT
ijtc-572	190	8	.	.	PUNCT
ijtc-572	191	1	financial	financial	ADJ
ijtc-572	191	2	technology	technology	NOUN
ijtc-572	191	3	(	(	PUNCT
ijtc-572	191	4	fintech	fintech	NOUN
ijtc-572	191	5	)	)	PUNCT
ijtc-572	191	6	dalam	dalam	PROPN
ijtc-572	191	7	inklusi	inklusi	PROPN
ijtc-572	191	8	keuangan	keuangan	PROPN
ijtc-572	191	9	nasional	nasional	PROPN
ijtc-572	191	10	di	di	PROPN
ijtc-572	191	11	masa	masa	PROPN
ijtc-572	191	12	pandemi	pandemi	ADP
ijtc-572	191	13	covid-19	covid-19	PROPN
ijtc-572	191	14	.	.	PUNCT
ijtc-572	191	15	moneter	moneter	PROPN
ijtc-572	191	16	jurnal	jurnal	PROPN
ijtc-572	191	17	akuntansi	akuntansi	PROPN
ijtc-572	191	18	dan	dan	PROPN
ijtc-572	191	19	keuangan	keuangan	PROPN
ijtc-572	191	20	,	,	PUNCT
ijtc-572	191	21	8(1	8(1	NOUN
ijtc-572	191	22	)	)	PUNCT
ijtc-572	191	23	,	,	PUNCT
ijtc-572	191	24	56–64	56–64	NUM
ijtc-572	191	25	.	.	PUNCT
ijtc-572	192	1	https://doi.org/10.31294/moneter.v8i1.9903	https://doi.org/10.31294/moneter.v8i1.9903	PROPN
ijtc-572	192	2	marini	marini	PROPN
ijtc-572	192	3	,	,	PUNCT
ijtc-572	192	4	m.	m.	NOUN
ijtc-572	192	5	,	,	PUNCT
ijtc-572	192	6	linawati	linawati	PROPN
ijtc-572	192	7	,	,	PUNCT
ijtc-572	192	8	l.	l.	PROPN
ijtc-572	192	9	,	,	PUNCT
ijtc-572	192	10	&	&	CCONJ
ijtc-572	192	11	putra	putra	PROPN
ijtc-572	192	12	,	,	PUNCT
ijtc-572	192	13	r.	r.	PROPN
ijtc-572	192	14	e.	e.	PROPN
ijtc-572	192	15	(	(	PUNCT
ijtc-572	192	16	2020	2020	NUM
ijtc-572	192	17	)	)	PUNCT
ijtc-572	192	18	.	.	PUNCT
ijtc-572	193	1	peran	peran	PROPN
ijtc-572	193	2	fintech	fintech	PROPN
ijtc-572	193	3	terhadap	terhadap	PROPN
ijtc-572	193	4	inklusi	inklusi	PROPN
ijtc-572	193	5	keuangan	keuangan	PROPN
ijtc-572	193	6	pada	pada	PROPN
ijtc-572	193	7	umkm	umkm	PROPN
ijtc-572	193	8	tangerang	tangerang	PROPN
ijtc-572	193	9	selatan	selatan	PROPN
ijtc-572	193	10	.	.	PUNCT
ijtc-572	194	1	keberlanjutan	keberlanjutan	PROPN
ijtc-572	194	2	 	 	SPACE
ijtc-572	194	3	:	:	PUNCT
ijtc-572	194	4	jurnal	jurnal	ADJ
ijtc-572	194	5	manajemen	manajeman	NOUN
ijtc-572	194	6	dan	dan	PROPN
ijtc-572	194	7	jurnal	jurnal	PROPN
ijtc-572	194	8	akuntansi	akuntansi	PROPN
ijtc-572	194	9	,	,	PUNCT
ijtc-572	194	10	5(2	5(2	NUM
ijtc-572	194	11	)	)	PUNCT
ijtc-572	194	12	,	,	PUNCT
ijtc-572	194	13	91	91	NUM
ijtc-572	194	14	.	.	PUNCT
ijtc-572	195	1	https://doi.org/10.32493/keberlanjutan.v5i2.y2020.p91-104	https://doi.org/10.32493/keberlanjutan.v5i2.y2020.p91-104	PROPN
ijtc-572	195	2	martini	martini	PROPN
ijtc-572	195	3	,	,	PUNCT
ijtc-572	195	4	m.	m.	NOUN
ijtc-572	195	5	,	,	PUNCT
ijtc-572	195	6	sardiyo	sardiyo	NOUN
ijtc-572	195	7	,	,	PUNCT
ijtc-572	195	8	s.	s.	PROPN
ijtc-572	195	9	,	,	PUNCT
ijtc-572	195	10	septian	septian	PROPN
ijtc-572	195	11	,	,	PUNCT
ijtc-572	195	12	r.	r.	PROPN
ijtc-572	195	13	,	,	PUNCT
ijtc-572	195	14	anggreni	anggreni	NOUN
ijtc-572	195	15	sy	sy	PROPN
ijtc-572	195	16	,	,	PUNCT
ijtc-572	195	17	d.	d.	PROPN
ijtc-572	195	18	,	,	PUNCT
ijtc-572	195	19	&	&	CCONJ
ijtc-572	195	20	nurdiansyah	nurdiansyah	PROPN
ijtc-572	195	21	,	,	PUNCT
ijtc-572	195	22	d.	d.	PROPN
ijtc-572	195	23	(	(	PUNCT
ijtc-572	195	24	2021	2021	NUM
ijtc-572	195	25	)	)	PUNCT
ijtc-572	195	26	.	.	PUNCT
ijtc-572	196	1	understanding	understanding	NOUN
ijtc-572	196	2	of	of	ADP
ijtc-572	196	3	financial	financial	ADJ
ijtc-572	196	4	literacy	literacy	NOUN
ijtc-572	196	5	as	as	ADP
ijtc-572	196	6	a	a	DET
ijtc-572	196	7	moderating	moderate	VERB
ijtc-572	196	8	variable	variable	NOUN
ijtc-572	196	9	on	on	ADP
ijtc-572	196	10	the	the	DET
ijtc-572	196	11	effect	effect	NOUN
ijtc-572	196	12	of	of	ADP
ijtc-572	196	13	financial	financial	ADJ
ijtc-572	196	14	technology	technology	NOUN
ijtc-572	196	15	on	on	ADP
ijtc-572	196	16	financial	financial	ADJ
ijtc-572	196	17	inclusion	inclusion	NOUN
ijtc-572	196	18	in	in	ADP
ijtc-572	196	19	lubuklinggau	lubuklinggau	PROPN
ijtc-572	196	20	city	city	PROPN
ijtc-572	196	21	,	,	PUNCT
ijtc-572	196	22	indonesia	indonesia	PROPN
ijtc-572	196	23	.	.	PROPN
ijtc-572	196	24	journal	journal	PROPN
ijtc-572	196	25	of	of	ADP
ijtc-572	196	26	economics	economic	NOUN
ijtc-572	196	27	,	,	PUNCT
ijtc-572	196	28	finance	finance	NOUN
ijtc-572	196	29	and	and	CCONJ
ijtc-572	196	30	accounting	accounting	NOUN
ijtc-572	196	31	studies	study	NOUN
ijtc-572	196	32	,	,	PUNCT
ijtc-572	196	33	3(2	3(2	NUM
ijtc-572	196	34	)	)	PUNCT
ijtc-572	196	35	,	,	PUNCT
ijtc-572	196	36	140–151	140–151	NUM
ijtc-572	196	37	.	.	PUNCT
ijtc-572	197	1	https://doi.org/10.32996/jefas.2021.3.2.14	https://doi.org/10.32996/jefas.2021.3.2.14	PROPN
ijtc-572	197	2	muhammad	muhammad	PROPN
ijtc-572	197	3	,	,	PUNCT
ijtc-572	197	4	m.	m.	NOUN
ijtc-572	197	5	z.	z.	PROPN
ijtc-572	197	6	,	,	PUNCT
ijtc-572	197	7	char	char	PROPN
ijtc-572	197	8	,	,	PUNCT
ijtc-572	197	9	a.	a.	PROPN
ijtc-572	197	10	k.	k.	PROPN
ijtc-572	197	11	,	,	PUNCT
ijtc-572	197	12	yasoa	yasoa	PROPN
ijtc-572	197	13	,	,	PUNCT
ijtc-572	197	14	m.	m.	PROPN
ijtc-572	197	15	r.	r.	PROPN
ijtc-572	197	16	bin	bin	PROPN
ijtc-572	197	17	,	,	PUNCT
ijtc-572	197	18	&	&	CCONJ
ijtc-572	197	19	hassan	hassan	PROPN
ijtc-572	197	20	,	,	PUNCT
ijtc-572	197	21	z.	z.	PROPN
ijtc-572	197	22	(	(	PUNCT
ijtc-572	197	23	2009	2009	NUM
ijtc-572	197	24	)	)	PUNCT
ijtc-572	197	25	.	.	PUNCT
ijtc-572	198	1	small	small	ADJ
ijtc-572	198	2	and	and	CCONJ
ijtc-572	198	3	medium	medium	ADJ
ijtc-572	198	4	enterprises	enterprise	NOUN
ijtc-572	198	5	(	(	PUNCT
ijtc-572	198	6	smes	sme	NOUN
ijtc-572	198	7	)	)	PUNCT
ijtc-572	198	8	competing	compete	VERB
ijtc-572	198	9	in	in	ADP
ijtc-572	198	10	the	the	DET
ijtc-572	198	11	global	global	PROPN
ijtc-572	198	12	business	business	PROPN
ijtc-572	198	13	environment	environment	PROPN
ijtc-572	198	14	:	:	PUNCT
ijtc-572	198	15	a	a	DET
ijtc-572	198	16	case	case	NOUN
ijtc-572	198	17	of	of	ADP
ijtc-572	198	18	malaysia	malaysia	PROPN
ijtc-572	198	19	.	.	PUNCT
ijtc-572	199	1	international	international	ADJ
ijtc-572	199	2	business	business	NOUN
ijtc-572	199	3	research	research	NOUN
ijtc-572	199	4	,	,	PUNCT
ijtc-572	199	5	3(1	3(1	NUM
ijtc-572	199	6	)	)	PUNCT
ijtc-572	199	7	,	,	PUNCT
ijtc-572	199	8	66–75	66–75	NUM
ijtc-572	199	9	.	.	PUNCT
ijtc-572	200	1	https://doi.org/10.5539/ibr.v3n1p66	https://doi.org/10.5539/ibr.v3n1p66	PROPN
ijtc-572	200	2	mulasiwi	mulasiwi	NOUN
ijtc-572	200	3	,	,	PUNCT
ijtc-572	200	4	c.	c.	PROPN
ijtc-572	200	5	m.	m.	PROPN
ijtc-572	200	6	,	,	PUNCT
ijtc-572	200	7	&	&	CCONJ
ijtc-572	200	8	julialevi	julialevi	PROPN
ijtc-572	200	9	,	,	PUNCT
ijtc-572	200	10	k.	k.	PROPN
ijtc-572	200	11	o.	o.	PROPN
ijtc-572	200	12	(	(	PUNCT
ijtc-572	200	13	2020	2020	NUM
ijtc-572	200	14	)	)	PUNCT
ijtc-572	200	15	.	.	PUNCT
ijtc-572	201	1	optimalisasi	optimalisasi	PROPN
ijtc-572	201	2	financial	financial	PROPN
ijtc-572	201	3	teknologi	teknologi	PROPN
ijtc-572	201	4	(	(	PUNCT
ijtc-572	201	5	fintech	fintech	NOUN
ijtc-572	201	6	)	)	PUNCT
ijtc-572	201	7	terhadap	terhadap	PROPN
ijtc-572	201	8	peningkatan	peningkatan	PROPN
ijtc-572	201	9	literasi	literasi	PROPN
ijtc-572	201	10	dan	dan	PROPN
ijtc-572	201	11	inklusi	inklusi	PROPN
ijtc-572	201	12	keuangan	keuangan	PROPN
ijtc-572	201	13	usaha	usaha	PROPN
ijtc-572	201	14	menengah	menengah	PROPN
ijtc-572	201	15	purwokerto	purwokerto	PROPN
ijtc-572	201	16	.	.	PUNCT
ijtc-572	202	1	performance	performance	NOUN
ijtc-572	202	2	,	,	PUNCT
ijtc-572	202	3	27(1	27(1	NUM
ijtc-572	202	4	)	)	PUNCT
ijtc-572	202	5	,	,	PUNCT
ijtc-572	202	6	12	12	NUM
ijtc-572	202	7	.	.	PUNCT
ijtc-572	203	1	https://doi.org/10.20884/1.jp.2020.27.1.2284	https://doi.org/10.20884/1.jp.2020.27.1.2284	NOUN
ijtc-572	203	2	nawaz	nawaz	NOUN
ijtc-572	203	3	,	,	PUNCT
ijtc-572	203	4	t.	t.	PROPN
ijtc-572	203	5	(	(	PUNCT
ijtc-572	203	6	2017	2017	NUM
ijtc-572	203	7	)	)	PUNCT
ijtc-572	203	8	.	.	PUNCT
ijtc-572	204	1	islamic	islamic	ADJ
ijtc-572	204	2	banking	banking	PROPN
ijtc-572	204	3	:	:	PUNCT
ijtc-572	204	4	an	an	DET
ijtc-572	204	5	ultimate	ultimate	ADJ
ijtc-572	204	6	source	source	NOUN
ijtc-572	204	7	of	of	ADP
ijtc-572	204	8	financial	financial	ADJ
ijtc-572	204	9	inclusion	inclusion	NOUN
ijtc-572	204	10	.	.	PUNCT
ijtc-572	205	1	international	international	ADJ
ijtc-572	205	2	journal	journal	PROPN
ijtc-572	205	3	of	of	ADP
ijtc-572	205	4	economics	economic	NOUN
ijtc-572	205	5	and	and	CCONJ
ijtc-572	205	6	managemen	manageman	NOUN
ijtc-572	205	7	engineering	engineering	PROPN
ijtc-572	205	8	,	,	PUNCT
ijtc-572	205	9	11(8	11(8	NUM
ijtc-572	205	10	)	)	PUNCT
ijtc-572	205	11	,	,	PUNCT
ijtc-572	205	12	2047–2050	2047–2050	NUM
ijtc-572	205	13	.	.	PUNCT
ijtc-572	206	1	https://doi.org/10.5281/zenodo.1132198	https://doi.org/10.5281/zenodo.1132198	ADJ
ijtc-572	206	2	influence	influence	NOUN
ijtc-572	206	3	financial	financial	ADJ
ijtc-572	206	4	technology	technology	NOUN
ijtc-572	206	5	,	,	PUNCT
ijtc-572	206	6	financial	financial	ADJ
ijtc-572	206	7	literacy	literacy	NOUN
ijtc-572	206	8	,	,	PUNCT
ijtc-572	206	9	and	and	CCONJ
ijtc-572	206	10	intellectual	intellectual	ADJ
ijtc-572	206	11	capital	capital	NOUN
ijtc-572	206	12	on	on	ADP
ijtc-572	206	13	financial	financial	ADJ
ijtc-572	206	14	inclusion	inclusion	NOUN
ijtc-572	206	15	in	in	ADP
ijtc-572	206	16	micro	micro	PROPN
ijtc-572	206	17	,	,	PUNCT
ijtc-572	206	18	small	small	ADJ
ijtc-572	206	19	and	and	CCONJ
ijtc-572	206	20	medium	medium	ADJ
ijtc-572	206	21	enterprises	enterprise	NOUN
ijtc-572	206	22	(	(	PUNCT
ijtc-572	206	23	msmes	msmes	PROPN
ijtc-572	206	24	)	)	PUNCT
ijtc-572	206	25	martini	martini	NOUN
ijtc-572	206	26	,	,	PUNCT
ijtc-572	206	27	triharyati	triharyati	NOUN
ijtc-572	206	28	,	,	PUNCT
ijtc-572	206	29	and	and	CCONJ
ijtc-572	206	30	rimbano	rimbano	VERB
ijtc-572	206	31	419	419	NUM
ijtc-572	206	32	|	|	ADV
ijtc-572	206	33	ilomata	ilomata	PROPN
ijtc-572	206	34	international	international	ADJ
ijtc-572	206	35	journal	journal	NOUN
ijtc-572	206	36	of	of	ADP
ijtc-572	206	37	tax	tax	PROPN
ijtc-572	206	38	&	&	CCONJ
ijtc-572	206	39	accounting	account	VERB
ijtc-572	206	40	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-572	206	41	nkwabi	nkwabi	NOUN
ijtc-572	206	42	,	,	PUNCT
ijtc-572	206	43	j.	j.	PROPN
ijtc-572	206	44	,	,	PUNCT
ijtc-572	206	45	&	&	CCONJ
ijtc-572	206	46	mboya	mboya	PROPN
ijtc-572	206	47	,	,	PUNCT
ijtc-572	206	48	l.	l.	PROPN
ijtc-572	206	49	b.	b.	PROPN
ijtc-572	206	50	(	(	PUNCT
ijtc-572	206	51	2019	2019	NUM
ijtc-572	206	52	)	)	PUNCT
ijtc-572	206	53	.	.	PUNCT
ijtc-572	207	1	a	a	DET
ijtc-572	207	2	review	review	NOUN
ijtc-572	207	3	of	of	ADP
ijtc-572	207	4	factors	factor	NOUN
ijtc-572	207	5	affecting	affect	VERB
ijtc-572	207	6	the	the	DET
ijtc-572	207	7	growth	growth	NOUN
ijtc-572	207	8	of	of	ADP
ijtc-572	207	9	small	small	ADJ
ijtc-572	207	10	and	and	CCONJ
ijtc-572	207	11	medium	medium	ADJ
ijtc-572	207	12	enterprises	enterprise	NOUN
ijtc-572	207	13	(	(	PUNCT
ijtc-572	207	14	smes	sme	NOUN
ijtc-572	207	15	)	)	PUNCT
ijtc-572	207	16	in	in	ADP
ijtc-572	207	17	tanzania	tanzania	PROPN
ijtc-572	207	18	.	.	PUNCT
ijtc-572	208	1	european	european	PROPN
ijtc-572	208	2	journal	journal	PROPN
ijtc-572	208	3	of	of	ADP
ijtc-572	208	4	business	business	NOUN
ijtc-572	208	5	and	and	CCONJ
ijtc-572	208	6	management	management	NOUN
ijtc-572	208	7	,	,	PUNCT
ijtc-572	208	8	11(33	11(33	NUM
ijtc-572	208	9	)	)	PUNCT
ijtc-572	208	10	,	,	PUNCT
ijtc-572	208	11	1–8	1–8	X
ijtc-572	208	12	.	.	PUNCT
ijtc-572	209	1	https://doi.org/10.7176/ejbm/11-33-01	https://doi.org/10.7176/ejbm/11-33-01	NOUN
ijtc-572	209	2	ojk	ojk	NOUN
ijtc-572	209	3	.	.	PUNCT
ijtc-572	210	1	(	(	PUNCT
ijtc-572	210	2	2013	2013	NUM
ijtc-572	210	3	)	)	PUNCT
ijtc-572	210	4	.	.	PUNCT
ijtc-572	211	1	salinan	salinan	PROPN
ijtc-572	211	2	surat	surat	PROPN
ijtc-572	211	3	edaran	edaran	PROPN
ijtc-572	211	4	otoritas	otoritas	PROPN
ijtc-572	211	5	jasa	jasa	PROPN
ijtc-572	211	6	keuangan	keuangan	PROPN
ijtc-572	211	7	nomor	nomor	PROPN
ijtc-572	211	8	30	30	NUM
ijtc-572	211	9	/seojk.07/2017	/seojk.07/2017	SYM
ijtc-572	211	10	.	.	PUNCT
ijtc-572	212	1	journal	journal	PROPN
ijtc-572	212	2	of	of	ADP
ijtc-572	212	3	chemical	chemical	ADJ
ijtc-572	212	4	information	information	NOUN
ijtc-572	212	5	and	and	CCONJ
ijtc-572	212	6	modeling	modeling	NOUN
ijtc-572	212	7	,	,	PUNCT
ijtc-572	212	8	53(9	53(9	NOUN
ijtc-572	212	9	)	)	PUNCT
ijtc-572	212	10	,	,	PUNCT
ijtc-572	212	11	1689–1699	1689–1699	NUM
ijtc-572	212	12	.	.	PUNCT
ijtc-572	213	1	otoritas	otoritas	PROPN
ijtc-572	213	2	jasa	jasa	PROPN
ijtc-572	213	3	keuangan	keuangan	PROPN
ijtc-572	213	4	.	.	PUNCT
ijtc-572	214	1	(	(	PUNCT
ijtc-572	214	2	2020	2020	NUM
ijtc-572	214	3	)	)	PUNCT
ijtc-572	214	4	.	.	PUNCT
ijtc-572	215	1	strategi	strategi	PROPN
ijtc-572	215	2	nasional	nasional	PROPN
ijtc-572	215	3	literasi	literasi	PROPN
ijtc-572	215	4	keuangan	keuangan	PROPN
ijtc-572	215	5	indonesia	indonesia	PROPN
ijtc-572	215	6	(	(	PUNCT
ijtc-572	215	7	snlki	snlki	ADJ
ijtc-572	215	8	)	)	PUNCT
ijtc-572	215	9	2021	2021	NUM
ijtc-572	215	10	2025	2025	NUM
ijtc-572	215	11	.	.	PUNCT
ijtc-572	216	1	in	in	ADP
ijtc-572	216	2	ojk.go.id	ojk.go.id	PROPN
ijtc-572	216	3	(	(	PUNCT
ijtc-572	216	4	p.	p.	NOUN
ijtc-572	216	5	378	378	NUM
ijtc-572	216	6	)	)	PUNCT
ijtc-572	216	7	.	.	PUNCT
ijtc-572	217	1	otoritas	otoritas	PROPN
ijtc-572	217	2	jasa	jasa	PROPN
ijtc-572	217	3	keuangan	keuangan	PROPN
ijtc-572	217	4	.	.	PUNCT
ijtc-572	218	1	https://www.ojk.go.id/id/berita-dankegiatan/publikasi/documents/pages/strategi-nasional-literasi-keuangan-indonesia2021-2025/strategi	https://www.ojk.go.id/id/berita-dankegiatan/publikasi/documents/pages/strategi-nasional-literasi-keuangan-indonesia2021-2025/strategi	X
ijtc-572	219	1	nasional	nasional	ADJ
ijtc-572	219	2	literasi	literasi	NOUN
ijtc-572	219	3	keuangan	keuangan	VERB
ijtc-572	219	4	indonesia	indonesia	PROPN
ijtc-572	219	5	2021-2025.pdf	2021-2025.pdf	PROPN
ijtc-572	219	6	pulungan	pulungan	PROPN
ijtc-572	219	7	,	,	PUNCT
ijtc-572	219	8	d.	d.	PROPN
ijtc-572	219	9	r.	r.	PROPN
ijtc-572	219	10	,	,	PUNCT
ijtc-572	219	11	&	&	CCONJ
ijtc-572	219	12	ndruru	ndruru	PROPN
ijtc-572	219	13	,	,	PUNCT
ijtc-572	219	14	a.	a.	NOUN
ijtc-572	219	15	(	(	PUNCT
ijtc-572	219	16	2019	2019	NUM
ijtc-572	219	17	)	)	PUNCT
ijtc-572	219	18	.	.	PUNCT
ijtc-572	220	1	pengaruh	pengaruh	NOUN
ijtc-572	220	2	literasi	literasi	PROPN
ijtc-572	220	3	keuangan	keuangan	PROPN
ijtc-572	220	4	dan	dan	PROPN
ijtc-572	220	5	modal	modal	PROPN
ijtc-572	220	6	sosial	sosial	PROPN
ijtc-572	220	7	terhadap	terhadap	PROPN
ijtc-572	220	8	inklusi	inklusi	PROPN
ijtc-572	220	9	keuangan	keuangan	PROPN
ijtc-572	220	10	mahasiswa	mahasiswa	PROPN
ijtc-572	220	11	.	.	PROPN
ijtc-572	221	1	seminar	seminar	NOUN
ijtc-572	221	2	bisnis	bisnis	PROPN
ijtc-572	221	3	magister	magister	NOUN
ijtc-572	221	4	manajemen	manajeman	NOUN
ijtc-572	221	5	(	(	PUNCT
ijtc-572	221	6	sambis	sambis	NOUN
ijtc-572	221	7	)	)	PUNCT
ijtc-572	221	8	2019	2019	NUM
ijtc-572	221	9	:	:	PUNCT
ijtc-572	221	10	membangun	membangun	VERB
ijtc-572	221	11	ekonomi	ekonomi	PROPN
ijtc-572	221	12	kreatif	kreatif	PROPN
ijtc-572	221	13	yang	yang	PROPN
ijtc-572	221	14	berdaya	berdaya	PROPN
ijtc-572	221	15	saing	sae	VERB
ijtc-572	221	16	,	,	PUNCT
ijtc-572	221	17	132–142	132–142	NUM
ijtc-572	221	18	.	.	PUNCT
ijtc-572	222	1	https://publikasiilmiah.ums.ac.id/handle/11617/11081	https://publikasiilmiah.ums.ac.id/handle/11617/11081	PROPN
ijtc-572	222	2	putra	putra	PROPN
ijtc-572	222	3	,	,	PUNCT
ijtc-572	222	4	a.	a.	PROPN
ijtc-572	222	5	h.	h.	PROPN
ijtc-572	222	6	(	(	PUNCT
ijtc-572	222	7	2018	2018	NUM
ijtc-572	222	8	)	)	PUNCT
ijtc-572	222	9	.	.	PUNCT
ijtc-572	223	1	peran	peran	PROPN
ijtc-572	223	2	umkm	umkm	ADJ
ijtc-572	223	3	dalam	dalam	PROPN
ijtc-572	223	4	pembangunan	pembangunan	PROPN
ijtc-572	223	5	dan	dan	PROPN
ijtc-572	223	6	kesejahteraan	kesejahteraan	PROPN
ijtc-572	223	7	masyarakat	masyarakat	PROPN
ijtc-572	223	8	kabupaten	kabupaten	PROPN
ijtc-572	223	9	blora	blora	PROPN
ijtc-572	223	10	.	.	PUNCT
ijtc-572	224	1	jurnal	jurnal	ADJ
ijtc-572	224	2	analisa	analisa	NOUN
ijtc-572	224	3	sosiologi	sosiologi	ADV
ijtc-572	224	4	,	,	PUNCT
ijtc-572	224	5	5(2	5(2	NUM
ijtc-572	224	6	)	)	PUNCT
ijtc-572	224	7	.	.	PUNCT
ijtc-572	225	1	https://doi.org/10.20961/jas.v5i2.18162	https://doi.org/10.20961/jas.v5i2.18162	PROPN
ijtc-572	225	2	rahayu	rahayu	PROPN
ijtc-572	225	3	,	,	PUNCT
ijtc-572	225	4	r.	r.	PROPN
ijtc-572	225	5	,	,	PUNCT
ijtc-572	225	6	&	&	CCONJ
ijtc-572	225	7	day	day	PROPN
ijtc-572	225	8	,	,	PUNCT
ijtc-572	225	9	j.	j.	PROPN
ijtc-572	225	10	(	(	PUNCT
ijtc-572	225	11	2015	2015	NUM
ijtc-572	225	12	)	)	PUNCT
ijtc-572	225	13	.	.	PUNCT
ijtc-572	226	1	determinant	determinant	ADJ
ijtc-572	226	2	factors	factor	NOUN
ijtc-572	226	3	of	of	ADP
ijtc-572	226	4	e	e	NOUN
ijtc-572	226	5	-	-	NOUN
ijtc-572	226	6	commerce	commerce	NOUN
ijtc-572	226	7	adoption	adoption	NOUN
ijtc-572	226	8	by	by	ADP
ijtc-572	226	9	smes	sme	NOUN
ijtc-572	226	10	in	in	ADP
ijtc-572	226	11	developing	develop	VERB
ijtc-572	226	12	country	country	NOUN
ijtc-572	226	13	:	:	PUNCT
ijtc-572	226	14	evidence	evidence	NOUN
ijtc-572	226	15	from	from	ADP
ijtc-572	226	16	indonesia	indonesia	PROPN
ijtc-572	226	17	.	.	PUNCT
ijtc-572	227	1	procedia	procedia	PROPN
ijtc-572	227	2	social	social	ADJ
ijtc-572	227	3	and	and	CCONJ
ijtc-572	227	4	behavioral	behavioral	ADJ
ijtc-572	227	5	sciences	science	NOUN
ijtc-572	227	6	,	,	PUNCT
ijtc-572	227	7	195	195	NUM
ijtc-572	227	8	,	,	PUNCT
ijtc-572	227	9	142–150	142–150	NUM
ijtc-572	227	10	.	.	PUNCT
ijtc-572	227	11	https://doi.org/10.1016/j.sbspro.2015.06.423	https://doi.org/10.1016/j.sbspro.2015.06.423	NOUN
ijtc-572	227	12	rusdianasari	rusdianasari	NOUN
ijtc-572	227	13	,	,	PUNCT
ijtc-572	227	14	f.	f.	PROPN
ijtc-572	227	15	(	(	PUNCT
ijtc-572	227	16	2018	2018	NUM
ijtc-572	227	17	)	)	PUNCT
ijtc-572	227	18	.	.	PUNCT
ijtc-572	228	1	peran	peran	PROPN
ijtc-572	229	1	inklusi	inklusi	ADJ
ijtc-572	229	2	keuangan	keuangan	PROPN
ijtc-572	229	3	melalui	melalui	PROPN
ijtc-572	229	4	integrasi	integrasi	PROPN
ijtc-572	229	5	fintech	fintech	PROPN
ijtc-572	229	6	dalam	dalam	PROPN
ijtc-572	229	7	stabilitas	stabilitas	PROPN
ijtc-572	229	8	sistem	sistem	PROPN
ijtc-572	229	9	keuangan	keuangan	VERB
ijtc-572	229	10	indonesia	indonesia	PROPN
ijtc-572	229	11	.	.	PUNCT
ijtc-572	230	1	jurnal	jurnal	ADJ
ijtc-572	230	2	ekonomi	ekonomi	PROPN
ijtc-572	230	3	kuantitatif	kuantitatif	PROPN
ijtc-572	230	4	terapan	terapan	PROPN
ijtc-572	230	5	,	,	PUNCT
ijtc-572	230	6	11(2	11(2	NOUN
ijtc-572	230	7	)	)	PUNCT
ijtc-572	230	8	,	,	PUNCT
ijtc-572	230	9	150	150	NUM
ijtc-572	230	10	.	.	PUNCT
ijtc-572	231	1	https://doi.org/10.24843/jekt.2018.v11.i02.p10	https://doi.org/10.24843/jekt.2018.v11.i02.p10	ADJ
ijtc-572	231	2	shafi	shafi	PROPN
ijtc-572	231	3	,	,	PUNCT
ijtc-572	231	4	m.	m.	NOUN
ijtc-572	231	5	,	,	PUNCT
ijtc-572	231	6	liu	liu	PROPN
ijtc-572	231	7	,	,	PUNCT
ijtc-572	231	8	j.	j.	PROPN
ijtc-572	231	9	,	,	PUNCT
ijtc-572	231	10	&	&	CCONJ
ijtc-572	231	11	ren	ren	PROPN
ijtc-572	231	12	,	,	PUNCT
ijtc-572	231	13	w.	w.	PROPN
ijtc-572	231	14	(	(	PUNCT
ijtc-572	231	15	2020	2020	NUM
ijtc-572	231	16	)	)	PUNCT
ijtc-572	231	17	.	.	PUNCT
ijtc-572	232	1	impact	impact	NOUN
ijtc-572	232	2	of	of	ADP
ijtc-572	232	3	covid-19	covid-19	PROPN
ijtc-572	232	4	pandemic	pandemic	NOUN
ijtc-572	232	5	on	on	ADP
ijtc-572	232	6	micro	micro	ADJ
ijtc-572	232	7	,	,	PUNCT
ijtc-572	232	8	small	small	ADJ
ijtc-572	232	9	,	,	PUNCT
ijtc-572	232	10	and	and	CCONJ
ijtc-572	232	11	medium	medium	ADJ
ijtc-572	232	12	-	-	PUNCT
ijtc-572	232	13	sized	sized	ADJ
ijtc-572	232	14	enterprises	enterprise	NOUN
ijtc-572	232	15	operating	operate	VERB
ijtc-572	232	16	in	in	ADP
ijtc-572	232	17	pakistan	pakistan	PROPN
ijtc-572	232	18	.	.	PUNCT
ijtc-572	233	1	research	research	NOUN
ijtc-572	233	2	in	in	ADP
ijtc-572	233	3	globalization	globalization	NOUN
ijtc-572	233	4	,	,	PUNCT
ijtc-572	233	5	2	2	NUM
ijtc-572	233	6	,	,	PUNCT
ijtc-572	233	7	100018	100018	NUM
ijtc-572	233	8	.	.	PUNCT
ijtc-572	234	1	https://doi.org/10.1016/j.resglo.2020.100018	https://doi.org/10.1016/j.resglo.2020.100018	PROPN
ijtc-572	234	2	sisilia	sisilia	PROPN
ijtc-572	234	3	,	,	PUNCT
ijtc-572	234	4	k.	k.	PROPN
ijtc-572	234	5	,	,	PUNCT
ijtc-572	234	6	peranginangin	peranginangin	PROPN
ijtc-572	234	7	,	,	PUNCT
ijtc-572	234	8	y.	y.	PROPN
ijtc-572	234	9	,	,	PUNCT
ijtc-572	234	10	setyorini	setyorini	PROPN
ijtc-572	234	11	,	,	PUNCT
ijtc-572	234	12	r.	r.	PROPN
ijtc-572	234	13	,	,	PUNCT
ijtc-572	234	14	&	&	CCONJ
ijtc-572	234	15	moeliono	moeliono	PROPN
ijtc-572	234	16	,	,	PUNCT
ijtc-572	234	17	n.	n.	NOUN
ijtc-572	234	18	(	(	PUNCT
ijtc-572	234	19	2015	2015	NUM
ijtc-572	234	20	)	)	PUNCT
ijtc-572	234	21	.	.	PUNCT
ijtc-572	235	1	a	a	DET
ijtc-572	235	2	framework	framework	NOUN
ijtc-572	235	3	of	of	ADP
ijtc-572	235	4	affiliation	affiliation	NOUN
ijtc-572	235	5	partnership	partnership	NOUN
ijtc-572	235	6	between	between	ADP
ijtc-572	235	7	univesity	univesity	PROPN
ijtc-572	235	8	,	,	PUNCT
ijtc-572	235	9	smes	sme	NOUN
ijtc-572	235	10	,	,	PUNCT
ijtc-572	235	11	and	and	CCONJ
ijtc-572	235	12	business	business	NOUN
ijtc-572	235	13	sector	sector	NOUN
ijtc-572	235	14	:	:	PUNCT
ijtc-572	235	15	a	a	DET
ijtc-572	235	16	case	case	NOUN
ijtc-572	235	17	study	study	NOUN
ijtc-572	235	18	of	of	ADP
ijtc-572	235	19	pkbl	pkbl	NOUN
ijtc-572	235	20	telkom	telkom	NOUN
ijtc-572	235	21	,	,	PUNCT
ijtc-572	235	22	indonesia	indonesia	PROPN
ijtc-572	235	23	.	.	PUNCT
ijtc-572	236	1	procedia	procedia	PROPN
ijtc-572	236	2	social	social	ADJ
ijtc-572	236	3	and	and	CCONJ
ijtc-572	236	4	behavioral	behavioral	ADJ
ijtc-572	236	5	sciences	science	NOUN
ijtc-572	236	6	,	,	PUNCT
ijtc-572	236	7	169	169	NUM
ijtc-572	236	8	,	,	PUNCT
ijtc-572	236	9	2–12	2–12	PROPN
ijtc-572	236	10	.	.	PUNCT
ijtc-572	237	1	https://doi.org/10.1016/j.sbspro.2015.01.280	https://doi.org/10.1016/j.sbspro.2015.01.280	PROPN
ijtc-572	237	2	srijani	srijani	NOUN
ijtc-572	237	3	,	,	PUNCT
ijtc-572	237	4	n.	n.	PROPN
ijtc-572	237	5	k.	k.	PROPN
ijtc-572	237	6	(	(	PUNCT
ijtc-572	237	7	2020	2020	NUM
ijtc-572	237	8	)	)	PUNCT
ijtc-572	237	9	.	.	PUNCT
ijtc-572	238	1	peran	peran	PROPN
ijtc-572	238	2	umkm	umkm	ADJ
ijtc-572	238	3	(	(	PUNCT
ijtc-572	238	4	usaha	usaha	PROPN
ijtc-572	238	5	mikro	mikro	PROPN
ijtc-572	238	6	kecil	kecil	PROPN
ijtc-572	238	7	menengah	menengah	PROPN
ijtc-572	238	8	)	)	PUNCT
ijtc-572	239	1	dalam	dalam	PROPN
ijtc-572	239	2	meningkatkan	meningkatkan	PROPN
ijtc-572	239	3	kesejahteraan	kesejahteraan	PROPN
ijtc-572	239	4	masyarakat	masyarakat	PROPN
ijtc-572	239	5	.	.	PUNCT
ijtc-572	240	1	equilibrium	equilibrium	PROPN
ijtc-572	240	2	 	 	SPACE
ijtc-572	240	3	:	:	PUNCT
ijtc-572	240	4	jurnal	jurnal	ADJ
ijtc-572	240	5	ilmiah	ilmiah	PROPN
ijtc-572	240	6	ekonomi	ekonomi	PROPN
ijtc-572	240	7	dan	dan	PROPN
ijtc-572	240	8	pembelajarannya	pembelajarannya	PROPN
ijtc-572	240	9	,	,	PUNCT
ijtc-572	240	10	8(2	8(2	NUM
ijtc-572	240	11	)	)	PUNCT
ijtc-572	240	12	,	,	PUNCT
ijtc-572	240	13	191	191	NUM
ijtc-572	240	14	.	.	PUNCT
ijtc-572	241	1	https://doi.org/10.25273/equilibrium.v8i2.7118	https://doi.org/10.25273/equilibrium.v8i2.7118	PROPN
ijtc-572	241	2	starovic	starovic	VERB
ijtc-572	241	3	,	,	PUNCT
ijtc-572	241	4	d.	d.	PROPN
ijtc-572	241	5	,	,	PUNCT
ijtc-572	241	6	&	&	CCONJ
ijtc-572	241	7	marr	marr	PROPN
ijtc-572	241	8	,	,	PUNCT
ijtc-572	241	9	b.	b.	PROPN
ijtc-572	241	10	(	(	PUNCT
ijtc-572	241	11	2005	2005	NUM
ijtc-572	241	12	)	)	PUNCT
ijtc-572	241	13	.	.	PUNCT
ijtc-572	242	1	understanding	understand	VERB
ijtc-572	242	2	corporate	corporate	ADJ
ijtc-572	242	3	value	value	NOUN
ijtc-572	242	4	:	:	PUNCT
ijtc-572	242	5	managing	manage	VERB
ijtc-572	242	6	and	and	CCONJ
ijtc-572	242	7	reporting	report	VERB
ijtc-572	242	8	intellectual	intellectual	ADJ
ijtc-572	242	9	capital	capital	NOUN
ijtc-572	242	10	.	.	PUNCT
ijtc-572	243	1	in	in	ADP
ijtc-572	243	2	chartered	chartered	PROPN
ijtc-572	243	3	institute	institute	PROPN
ijtc-572	243	4	of	of	ADP
ijtc-572	243	5	management	management	NOUN
ijtc-572	243	6	accountants	accountant	NOUN
ijtc-572	243	7	(	(	PUNCT
ijtc-572	243	8	1st	1st	ADJ
ijtc-572	243	9	ed	ed	NOUN
ijtc-572	243	10	.	.	PUNCT
ijtc-572	243	11	)	)	PUNCT
ijtc-572	243	12	.	.	PUNCT
ijtc-572	244	1	the	the	DET
ijtc-572	244	2	chartered	chartered	PROPN
ijtc-572	244	3	institute	institute	PROPN
ijtc-572	244	4	of	of	ADP
ijtc-572	244	5	management	management	NOUN
ijtc-572	244	6	accountants	accountant	NOUN
ijtc-572	244	7	(	(	PUNCT
ijtc-572	244	8	cima	cima	PROPN
ijtc-572	244	9	)	)	PUNCT
ijtc-572	244	10	.	.	PUNCT
ijtc-572	245	1	http://www.cimaglobal.com/documents/importeddocuments/tech_techrep_understandi	http://www.cimaglobal.com/documents/importeddocuments/tech_techrep_understandi	X
ijtc-572	245	2	ng_corporate_value_2003.pdf	ng_corporate_value_2003.pdf	PROPN
ijtc-572	245	3	stewart	stewart	PROPN
ijtc-572	245	4	,	,	PUNCT
ijtc-572	245	5	t.	t.	PROPN
ijtc-572	245	6	,	,	PUNCT
ijtc-572	245	7	&	&	CCONJ
ijtc-572	245	8	ruckdeschel	ruckdeschel	PROPN
ijtc-572	245	9	,	,	PUNCT
ijtc-572	245	10	c.	c.	PROPN
ijtc-572	245	11	(	(	PUNCT
ijtc-572	245	12	1998	1998	NUM
ijtc-572	245	13	)	)	PUNCT
ijtc-572	245	14	.	.	PUNCT
ijtc-572	246	1	intellectual	intellectual	ADJ
ijtc-572	246	2	capital	capital	NOUN
ijtc-572	246	3	:	:	PUNCT
ijtc-572	246	4	the	the	DET
ijtc-572	246	5	new	new	ADJ
ijtc-572	246	6	wealth	wealth	NOUN
ijtc-572	246	7	of	of	ADP
ijtc-572	246	8	organizations	organization	NOUN
ijtc-572	246	9	.	.	PUNCT
ijtc-572	247	1	performance	performance	NOUN
ijtc-572	247	2	improvement	improvement	NOUN
ijtc-572	247	3	,	,	PUNCT
ijtc-572	247	4	37(7	37(7	NUM
ijtc-572	247	5	)	)	PUNCT
ijtc-572	247	6	,	,	PUNCT
ijtc-572	247	7	56–59	56–59	NUM
ijtc-572	247	8	.	.	PUNCT
ijtc-572	248	1	https://doi.org/10.1002/pfi.4140370713	https://doi.org/10.1002/pfi.4140370713	PROPN
ijtc-572	248	2	sujarweni	sujarweni	PROPN
ijtc-572	248	3	,	,	PUNCT
ijtc-572	248	4	v.	v.	ADP
ijtc-572	248	5	w.	w.	PROPN
ijtc-572	248	6	(	(	PUNCT
ijtc-572	248	7	2015	2015	NUM
ijtc-572	248	8	)	)	PUNCT
ijtc-572	248	9	.	.	PUNCT
ijtc-572	249	1	metodologi	metodologi	PROPN
ijtc-572	249	2	penelitian	penelitian	PROPN
ijtc-572	249	3	bisnis	bisnis	PROPN
ijtc-572	249	4	dan	dan	PROPN
ijtc-572	249	5	ekonomi	ekonomi	PROPN
ijtc-572	249	6	(	(	PUNCT
ijtc-572	249	7	1st	1st	ADJ
ijtc-572	249	8	ed	ed	NOUN
ijtc-572	249	9	.	.	PUNCT
ijtc-572	249	10	)	)	PUNCT
ijtc-572	249	11	.	.	PUNCT
ijtc-572	250	1	pustaka	pustaka	ADJ
ijtc-572	250	2	baru	baru	PROPN
ijtc-572	250	3	press	press	NOUN
ijtc-572	250	4	.	.	PUNCT
ijtc-572	251	1	https://opac.perpusnas.go.id/detailopac.aspx?id=1072785	https://opac.perpusnas.go.id/detailopac.aspx?id=1072785	PROPN
ijtc-572	251	2	sulistiyarini	sulistiyarini	PROPN
ijtc-572	251	3	,	,	PUNCT
ijtc-572	251	4	s.	s.	PROPN
ijtc-572	251	5	(	(	PUNCT
ijtc-572	251	6	2012	2012	NUM
ijtc-572	251	7	)	)	PUNCT
ijtc-572	251	8	.	.	PUNCT
ijtc-572	252	1	pengaruh	pengaruh	NOUN
ijtc-572	252	2	minat	minat	PROPN
ijtc-572	252	3	individu	individu	PROPN
ijtc-572	252	4	terhadap	terhadap	PROPN
ijtc-572	252	5	penggunaan	penggunaan	PROPN
ijtc-572	252	6	mobile	mobile	PROPN
ijtc-572	252	7	banking	banking	NOUN
ijtc-572	252	8	:	:	PUNCT
ijtc-572	252	9	model	model	NOUN
ijtc-572	252	10	kombinasi	kombinasi	PROPN
ijtc-572	252	11	technology	technology	PROPN
ijtc-572	252	12	acceptance	acceptance	NOUN
ijtc-572	252	13	model	model	NOUN
ijtc-572	252	14	(	(	PUNCT
ijtc-572	252	15	tam	tam	PROPN
ijtc-572	252	16	)	)	PUNCT
ijtc-572	252	17	dan	dan	PROPN
ijtc-572	252	18	theory	theory	NOUN
ijtc-572	252	19	of	of	ADP
ijtc-572	252	20	planned	plan	VERB
ijtc-572	252	21	behavior	behavior	NOUN
ijtc-572	252	22	(	(	PUNCT
ijtc-572	252	23	tpb	tpb	NOUN
ijtc-572	252	24	)	)	PUNCT
ijtc-572	252	25	.	.	PUNCT
ijtc-572	253	1	jurnal	jurnal	ADJ
ijtc-572	253	2	ilmiah	ilmiah	PROPN
ijtc-572	253	3	mahasiswa	mahasiswa	PROPN
ijtc-572	253	4	feb	feb	PROPN
ijtc-572	253	5	,	,	PUNCT
ijtc-572	253	6	1(2	1(2	NUM
ijtc-572	253	7	)	)	PUNCT
ijtc-572	253	8	,	,	PUNCT
ijtc-572	253	9	1689–1699	1689–1699	NUM
ijtc-572	253	10	.	.	PUNCT
ijtc-572	254	1	https://jimfeb.ub.ac.id/index.php/jimfeb/article/view/586	https://jimfeb.ub.ac.id/index.php/jimfeb/article/view/586	ADJ
ijtc-572	254	2	trinh	trinh	PROPN
ijtc-572	254	3	,	,	PUNCT
ijtc-572	254	4	q.	q.	PROPN
ijtc-572	254	5	l.	l.	PROPN
ijtc-572	254	6	,	,	PUNCT
ijtc-572	254	7	morgan	morgan	PROPN
ijtc-572	254	8	,	,	PUNCT
ijtc-572	254	9	p.	p.	PROPN
ijtc-572	254	10	j.	j.	PROPN
ijtc-572	254	11	,	,	PUNCT
ijtc-572	254	12	&	&	CCONJ
ijtc-572	254	13	sonobe	sonobe	PROPN
ijtc-572	254	14	,	,	PUNCT
ijtc-572	254	15	t.	t.	PROPN
ijtc-572	254	16	(	(	PUNCT
ijtc-572	254	17	2020	2020	NUM
ijtc-572	254	18	)	)	PUNCT
ijtc-572	254	19	.	.	PUNCT
ijtc-572	255	1	investment	investment	NOUN
ijtc-572	255	2	behavior	behavior	NOUN
ijtc-572	255	3	of	of	ADP
ijtc-572	255	4	msmes	msme	NOUN
ijtc-572	255	5	during	during	ADP
ijtc-572	255	6	the	the	DET
ijtc-572	255	7	influence	influence	NOUN
ijtc-572	255	8	financial	financial	ADJ
ijtc-572	255	9	technology	technology	NOUN
ijtc-572	255	10	,	,	PUNCT
ijtc-572	255	11	financial	financial	ADJ
ijtc-572	255	12	literacy	literacy	NOUN
ijtc-572	255	13	,	,	PUNCT
ijtc-572	255	14	and	and	CCONJ
ijtc-572	255	15	intellectual	intellectual	ADJ
ijtc-572	255	16	capital	capital	NOUN
ijtc-572	255	17	on	on	ADP
ijtc-572	255	18	financial	financial	ADJ
ijtc-572	255	19	inclusion	inclusion	NOUN
ijtc-572	255	20	in	in	ADP
ijtc-572	255	21	micro	micro	PROPN
ijtc-572	255	22	,	,	PUNCT
ijtc-572	255	23	small	small	ADJ
ijtc-572	255	24	and	and	CCONJ
ijtc-572	255	25	medium	medium	ADJ
ijtc-572	255	26	enterprises	enterprise	NOUN
ijtc-572	255	27	(	(	PUNCT
ijtc-572	255	28	msmes	msmes	PROPN
ijtc-572	255	29	)	)	PUNCT
ijtc-572	255	30	martini	martini	NOUN
ijtc-572	255	31	,	,	PUNCT
ijtc-572	255	32	triharyati	triharyati	NOUN
ijtc-572	255	33	,	,	PUNCT
ijtc-572	255	34	and	and	CCONJ
ijtc-572	255	35	rimbano	rimbano	VERB
ijtc-572	255	36	420	420	NUM
ijtc-572	255	37	|	|	ADV
ijtc-572	255	38	ilomata	ilomata	PROPN
ijtc-572	255	39	international	international	ADJ
ijtc-572	255	40	journal	journal	NOUN
ijtc-572	255	41	of	of	ADP
ijtc-572	255	42	tax	tax	PROPN
ijtc-572	255	43	&	&	CCONJ
ijtc-572	255	44	accounting	accounting	PROPN
ijtc-572	255	45	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-572	255	46	downturn	downturn	NOUN
ijtc-572	255	47	periods	period	NOUN
ijtc-572	255	48	:	:	PUNCT
ijtc-572	255	49	empirical	empirical	ADJ
ijtc-572	255	50	evidence	evidence	NOUN
ijtc-572	255	51	from	from	ADP
ijtc-572	255	52	vietnam	vietnam	PROPN
ijtc-572	255	53	.	.	PUNCT
ijtc-572	256	1	emerging	emerge	VERB
ijtc-572	256	2	markets	market	NOUN
ijtc-572	256	3	review	review	VERB
ijtc-572	256	4	,	,	PUNCT
ijtc-572	256	5	45	45	NUM
ijtc-572	256	6	,	,	PUNCT
ijtc-572	256	7	100739	100739	NUM
ijtc-572	256	8	.	.	PUNCT
ijtc-572	257	1	https://doi.org/10.1016/j.ememar.2020.100739	https://doi.org/10.1016/j.ememar.2020.100739	PROPN
ijtc-572	257	2	ulfatun	ulfatun	PROPN
ijtc-572	257	3	,	,	PUNCT
ijtc-572	257	4	t.	t.	PROPN
ijtc-572	257	5	,	,	PUNCT
ijtc-572	257	6	udhma	udhma	PROPN
ijtc-572	257	7	,	,	PUNCT
ijtc-572	257	8	u.	u.	PROPN
ijtc-572	257	9	s.	s.	PROPN
ijtc-572	257	10	,	,	PUNCT
ijtc-572	257	11	&	&	CCONJ
ijtc-572	257	12	dewi	dewi	PROPN
ijtc-572	257	13	,	,	PUNCT
ijtc-572	257	14	r.	r.	PROPN
ijtc-572	257	15	s.	s.	PROPN
ijtc-572	257	16	(	(	PUNCT
ijtc-572	257	17	2016	2016	NUM
ijtc-572	257	18	)	)	PUNCT
ijtc-572	257	19	.	.	PUNCT
ijtc-572	258	1	analisis	analisis	NOUN
ijtc-572	258	2	tingkat	tingkat	PROPN
ijtc-572	258	3	literasi	literasi	PROPN
ijtc-572	258	4	keuangan	keuangan	PROPN
ijtc-572	258	5	mahasiswa	mahasiswa	PROPN
ijtc-572	258	6	fakultas	fakulta	VERB
ijtc-572	258	7	ekonomi	ekonomi	PROPN
ijtc-572	258	8	universitas	universita	NOUN
ijtc-572	258	9	negeri	negeri	PROPN
ijtc-572	258	10	yogyakarta	yogyakarta	PROPN
ijtc-572	258	11	tahun	tahun	PROPN
ijtc-572	258	12	angkatan	angkatan	PROPN
ijtc-572	258	13	2012	2012	NUM
ijtc-572	258	14	-	-	SYM
ijtc-572	258	15	2014	2014	NUM
ijtc-572	258	16	.	.	PUNCT
ijtc-572	259	1	pelita	pelita	PROPN
ijtc-572	259	2	,	,	PUNCT
ijtc-572	259	3	xi(2	xi(2	PROPN
ijtc-572	259	4	)	)	PUNCT
ijtc-572	259	5	,	,	PUNCT
ijtc-572	259	6	1–13	1–13	NOUN
ijtc-572	259	7	.	.	PUNCT
ijtc-572	260	1	https://journal.uny.ac.id/index.php/pelita/article/view/10924	https://journal.uny.ac.id/index.php/pelita/article/view/10924	PROPN