id	sid	tid	token	lemma	pos
ijtc-591	1	1	the	the	DET
ijtc-591	1	2	illomata	illomata	PROPN
ijtc-591	1	3	international	international	PROPN
ijtc-591	1	4	journal	journal	PROPN
ijtc-591	1	5	of	of	ADP
ijtc-591	1	6	management	management	NOUN
ijtc-591	1	7	ilomata	ilomata	PROPN
ijtc-591	1	8	international	international	ADJ
ijtc-591	1	9	journal	journal	NOUN
ijtc-591	1	10	of	of	ADP
ijtc-591	1	11	tax	tax	PROPN
ijtc-591	1	12	&	&	CCONJ
ijtc-591	1	13	accounting	account	VERB
ijtc-591	1	14	p	p	PROPN
ijtc-591	1	15	-	-	PUNCT
ijtc-591	1	16	issn	issn	NOUN
ijtc-591	1	17	:	:	PUNCT
ijtc-591	1	18	2714	2714	NUM
ijtc-591	1	19	-	-	SYM
ijtc-591	1	20	9838	9838	NUM
ijtc-591	1	21	;	;	PUNCT
ijtc-591	1	22	e	e	X
ijtc-591	1	23	-	-	PUNCT
ijtc-591	1	24	issn	issn	NOUN
ijtc-591	1	25	:	:	PUNCT
ijtc-591	1	26	2714	2714	NUM
ijtc-591	1	27	-	-	SYM
ijtc-591	1	28	9846	9846	NUM
ijtc-591	1	29	volume	volume	NOUN
ijtc-591	1	30	3	3	NUM
ijtc-591	1	31	,	,	PUNCT
ijtc-591	1	32	issue	issue	NOUN
ijtc-591	1	33	4	4	NUM
ijtc-591	1	34	october	october	PROPN
ijtc-591	1	35	2022	2022	NUM
ijtc-591	1	36	page	page	NOUN
ijtc-591	1	37	no	no	NOUN
ijtc-591	1	38	.	.	PUNCT
ijtc-591	2	1	421	421	NUM
ijtc-591	2	2	-	-	SYM
ijtc-591	2	3	434	434	NUM
ijtc-591	2	4	421	421	NUM
ijtc-591	2	5	|	|	ADV
ijtc-591	2	6	ilomata	ilomata	PROPN
ijtc-591	2	7	international	international	ADJ
ijtc-591	2	8	journal	journal	NOUN
ijtc-591	2	9	of	of	ADP
ijtc-591	2	10	tax	tax	PROPN
ijtc-591	2	11	&	&	CCONJ
ijtc-591	2	12	accounting	account	VERB
ijtc-591	2	13	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-591	2	14	factors	factor	NOUN
ijtc-591	2	15	affecting	affect	VERB
ijtc-591	2	16	student	student	NOUN
ijtc-591	2	17	financial	financial	ADJ
ijtc-591	2	18	literacy	literacy	NOUN
ijtc-591	2	19	leni	leni	PROPN
ijtc-591	2	20	triana1	triana1	PROPN
ijtc-591	2	21	,	,	PUNCT
ijtc-591	2	22	ibrohim2	ibrohim2	PROPN
ijtc-591	2	23	12bina	12bina	PROPN
ijtc-591	3	1	bangsa	bangsa	PROPN
ijtc-591	3	2	university	university	PROPN
ijtc-591	3	3	,	,	PUNCT
ijtc-591	3	4	indonesia	indonesia	PROPN
ijtc-591	3	5	correspondent	correspondent	NOUN
ijtc-591	3	6	:	:	PUNCT
ijtc-591	3	7	lenitriana.binabangsaa@gmail.com1	lenitriana.binabangsaa@gmail.com1	PROPN
ijtc-591	3	8	received	receive	VERB
ijtc-591	3	9	:	:	PUNCT
ijtc-591	3	10	august	august	PROPN
ijtc-591	3	11	21	21	NUM
ijtc-591	3	12	,	,	PUNCT
ijtc-591	3	13	2022	2022	NUM
ijtc-591	3	14	accepted	accept	VERB
ijtc-591	3	15	:	:	PUNCT
ijtc-591	3	16	october	october	PROPN
ijtc-591	3	17	18	18	NUM
ijtc-591	3	18	,	,	PUNCT
ijtc-591	3	19	2022	2022	NUM
ijtc-591	3	20	published	publish	VERB
ijtc-591	3	21	:	:	PUNCT
ijtc-591	3	22	october	october	PROPN
ijtc-591	3	23	31	31	NUM
ijtc-591	3	24	,	,	PUNCT
ijtc-591	3	25	2022	2022	NUM
ijtc-591	3	26	citation	citation	NOUN
ijtc-591	3	27	:	:	PUNCT
ijtc-591	3	28	triana	triana	PROPN
ijtc-591	3	29	,	,	PUNCT
ijtc-591	3	30	l.	l.	PROPN
ijtc-591	3	31	,	,	PUNCT
ijtc-591	3	32	ibrohim.(2022	ibrohim.(2022	NOUN
ijtc-591	3	33	)	)	PUNCT
ijtc-591	3	34	.	.	PUNCT
ijtc-591	4	1	factors	factor	NOUN
ijtc-591	4	2	affecting	affect	VERB
ijtc-591	4	3	student	student	NOUN
ijtc-591	4	4	financial	financial	ADJ
ijtc-591	4	5	literacy	literacy	NOUN
ijtc-591	4	6	.	.	PUNCT
ijtc-591	5	1	ilomata	ilomata	PROPN
ijtc-591	5	2	international	international	ADJ
ijtc-591	5	3	journal	journal	NOUN
ijtc-591	5	4	of	of	ADP
ijtc-591	5	5	tax	tax	NOUN
ijtc-591	5	6	and	and	CCONJ
ijtc-591	5	7	accounting	accounting	NOUN
ijtc-591	5	8	,	,	PUNCT
ijtc-591	5	9	3(4	3(4	NUM
ijtc-591	5	10	)	)	PUNCT
ijtc-591	5	11	,	,	PUNCT
ijtc-591	5	12	408	408	NUM
ijtc-591	5	13	-	-	SYM
ijtc-591	5	14	420	420	NUM
ijtc-591	5	15	.	.	PUNCT
ijtc-591	6	1	https://doi.org/10.52728/ijtc.v3i4.591	https://doi.org/10.52728/ijtc.v3i4.591	NOUN
ijtc-591	6	2	abstract	abstract	NOUN
ijtc-591	6	3	:	:	PUNCT
ijtc-591	7	1	students	student	NOUN
ijtc-591	7	2	,	,	PUNCT
ijtc-591	7	3	on	on	ADP
ijtc-591	7	4	the	the	DET
ijtc-591	7	5	whole	whole	NOUN
ijtc-591	7	6	,	,	PUNCT
ijtc-591	7	7	have	have	VERB
ijtc-591	7	8	more	more	ADJ
ijtc-591	7	9	leeway	leeway	NOUN
ijtc-591	7	10	to	to	PART
ijtc-591	7	11	exercise	exercise	VERB
ijtc-591	7	12	their	their	PRON
ijtc-591	7	13	own	own	ADJ
ijtc-591	7	14	discretion	discretion	NOUN
ijtc-591	7	15	regarding	regard	VERB
ijtc-591	7	16	matters	matter	NOUN
ijtc-591	7	17	of	of	ADP
ijtc-591	7	18	personal	personal	ADJ
ijtc-591	7	19	finance	finance	NOUN
ijtc-591	7	20	.	.	PUNCT
ijtc-591	8	1	on	on	ADP
ijtc-591	8	2	the	the	DET
ijtc-591	8	3	other	other	ADJ
ijtc-591	8	4	hand	hand	NOUN
ijtc-591	8	5	,	,	PUNCT
ijtc-591	8	6	the	the	DET
ijtc-591	8	7	current	current	ADJ
ijtc-591	8	8	phenomenon	phenomenon	NOUN
ijtc-591	8	9	does	do	AUX
ijtc-591	8	10	not	not	PART
ijtc-591	8	11	indicate	indicate	VERB
ijtc-591	8	12	that	that	SCONJ
ijtc-591	8	13	students	student	NOUN
ijtc-591	8	14	have	have	VERB
ijtc-591	8	15	a	a	DET
ijtc-591	8	16	good	good	ADJ
ijtc-591	8	17	grasp	grasp	NOUN
ijtc-591	8	18	of	of	ADP
ijtc-591	8	19	financial	financial	ADJ
ijtc-591	8	20	concepts	concept	NOUN
ijtc-591	8	21	.	.	PUNCT
ijtc-591	9	1	in	in	ADP
ijtc-591	9	2	order	order	NOUN
ijtc-591	9	3	for	for	SCONJ
ijtc-591	9	4	students	student	NOUN
ijtc-591	9	5	to	to	PART
ijtc-591	9	6	be	be	AUX
ijtc-591	9	7	able	able	ADJ
ijtc-591	9	8	to	to	PART
ijtc-591	9	9	make	make	VERB
ijtc-591	9	10	the	the	DET
ijtc-591	9	11	most	most	ADJ
ijtc-591	9	12	of	of	ADP
ijtc-591	9	13	the	the	DET
ijtc-591	9	14	money	money	NOUN
ijtc-591	9	15	they	they	PRON
ijtc-591	9	16	have	have	VERB
ijtc-591	9	17	,	,	PUNCT
ijtc-591	9	18	they	they	PRON
ijtc-591	9	19	need	need	VERB
ijtc-591	9	20	to	to	PART
ijtc-591	9	21	be	be	AUX
ijtc-591	9	22	provided	provide	VERB
ijtc-591	9	23	with	with	ADP
ijtc-591	9	24	an	an	DET
ijtc-591	9	25	education	education	NOUN
ijtc-591	9	26	that	that	PRON
ijtc-591	9	27	teaches	teach	VERB
ijtc-591	9	28	them	they	PRON
ijtc-591	9	29	financial	financial	ADJ
ijtc-591	9	30	information	information	NOUN
ijtc-591	9	31	and	and	CCONJ
ijtc-591	9	32	skills	skill	NOUN
ijtc-591	9	33	and	and	CCONJ
ijtc-591	9	34	teaches	teach	VERB
ijtc-591	9	35	them	they	PRON
ijtc-591	9	36	how	how	SCONJ
ijtc-591	9	37	to	to	PART
ijtc-591	9	38	properly	properly	ADV
ijtc-591	9	39	handle	handle	VERB
ijtc-591	9	40	funds	fund	NOUN
ijtc-591	9	41	.	.	PUNCT
ijtc-591	10	1	the	the	DET
ijtc-591	10	2	goal	goal	NOUN
ijtc-591	10	3	of	of	ADP
ijtc-591	10	4	this	this	DET
ijtc-591	10	5	study	study	NOUN
ijtc-591	10	6	is	be	AUX
ijtc-591	10	7	to	to	PART
ijtc-591	10	8	determine	determine	VERB
ijtc-591	10	9	which	which	DET
ijtc-591	10	10	factors	factor	NOUN
ijtc-591	10	11	,	,	PUNCT
ijtc-591	10	12	if	if	SCONJ
ijtc-591	10	13	any	any	PRON
ijtc-591	10	14	,	,	PUNCT
ijtc-591	10	15	have	have	VERB
ijtc-591	10	16	an	an	DET
ijtc-591	10	17	effect	effect	NOUN
ijtc-591	10	18	on	on	ADP
ijtc-591	10	19	the	the	DET
ijtc-591	10	20	financial	financial	ADJ
ijtc-591	10	21	literacy	literacy	NOUN
ijtc-591	10	22	level	level	NOUN
ijtc-591	10	23	possessed	possess	VERB
ijtc-591	10	24	by	by	ADP
ijtc-591	10	25	university	university	NOUN
ijtc-591	10	26	students	student	NOUN
ijtc-591	10	27	in	in	ADP
ijtc-591	10	28	the	the	DET
ijtc-591	10	29	city	city	NOUN
ijtc-591	10	30	of	of	ADP
ijtc-591	10	31	serang	serang	PROPN
ijtc-591	10	32	,	,	PUNCT
ijtc-591	10	33	indonesia	indonesia	PROPN
ijtc-591	10	34	.	.	PUNCT
ijtc-591	11	1	the	the	DET
ijtc-591	11	2	method	method	NOUN
ijtc-591	11	3	used	use	VERB
ijtc-591	11	4	in	in	ADP
ijtc-591	11	5	this	this	DET
ijtc-591	11	6	research	research	NOUN
ijtc-591	11	7	is	be	AUX
ijtc-591	11	8	to	to	PART
ijtc-591	11	9	go	go	VERB
ijtc-591	11	10	directly	directly	ADV
ijtc-591	11	11	to	to	ADP
ijtc-591	11	12	the	the	DET
ijtc-591	11	13	respondents	respondent	NOUN
ijtc-591	11	14	who	who	PRON
ijtc-591	11	15	are	be	AUX
ijtc-591	11	16	the	the	DET
ijtc-591	11	17	samples	sample	NOUN
ijtc-591	11	18	in	in	ADP
ijtc-591	11	19	the	the	DET
ijtc-591	11	20	study	study	NOUN
ijtc-591	11	21	to	to	PART
ijtc-591	11	22	get	get	VERB
ijtc-591	11	23	primary	primary	ADJ
ijtc-591	11	24	data	datum	NOUN
ijtc-591	11	25	.	.	PUNCT
ijtc-591	12	1	the	the	DET
ijtc-591	12	2	sampling	sample	VERB
ijtc-591	12	3	technique	technique	NOUN
ijtc-591	12	4	in	in	ADP
ijtc-591	12	5	this	this	DET
ijtc-591	12	6	study	study	NOUN
ijtc-591	12	7	ses	se	VERB
ijtc-591	12	8	a	a	DET
ijtc-591	12	9	proportionate	proportionate	ADJ
ijtc-591	12	10	random	random	ADJ
ijtc-591	12	11	sampling	sampling	NOUN
ijtc-591	12	12	with	with	ADP
ijtc-591	12	13	data	datum	NOUN
ijtc-591	12	14	collection	collection	NOUN
ijtc-591	12	15	techniques	technique	NOUN
ijtc-591	12	16	using	use	VERB
ijtc-591	12	17	a	a	DET
ijtc-591	12	18	questionnaire	questionnaire	NOUN
ijtc-591	12	19	distribution	distribution	NOUN
ijtc-591	12	20	technique	technique	NOUN
ijtc-591	12	21	.	.	PUNCT
ijtc-591	13	1	factor	factor	NOUN
ijtc-591	13	2	analysis	analysis	NOUN
ijtc-591	13	3	of	of	ADP
ijtc-591	13	4	17	17	NUM
ijtc-591	13	5	indicator	indicator	NOUN
ijtc-591	13	6	variables	variable	NOUN
ijtc-591	13	7	resulted	result	VERB
ijtc-591	13	8	in	in	ADP
ijtc-591	13	9	5	5	NUM
ijtc-591	13	10	forming	form	VERB
ijtc-591	13	11	factors	factor	NOUN
ijtc-591	13	12	,	,	PUNCT
ijtc-591	13	13	namely	namely	ADV
ijtc-591	13	14	:	:	PUNCT
ijtc-591	13	15	1	1	X
ijtc-591	13	16	)	)	PUNCT
ijtc-591	13	17	management	management	NOUN
ijtc-591	13	18	factors	factor	NOUN
ijtc-591	13	19	,	,	PUNCT
ijtc-591	13	20	2	2	X
ijtc-591	13	21	)	)	PUNCT
ijtc-591	13	22	income	income	NOUN
ijtc-591	13	23	factors	factor	NOUN
ijtc-591	13	24	,	,	PUNCT
ijtc-591	13	25	3	3	X
ijtc-591	13	26	)	)	PUNCT
ijtc-591	13	27	budgeting	budget	VERB
ijtc-591	13	28	factors	factor	NOUN
ijtc-591	13	29	,	,	PUNCT
ijtc-591	13	30	4	4	X
ijtc-591	13	31	)	)	PUNCT
ijtc-591	13	32	education	education	NOUN
ijtc-591	13	33	factors	factor	NOUN
ijtc-591	13	34	,	,	PUNCT
ijtc-591	13	35	and	and	CCONJ
ijtc-591	13	36	5	5	X
ijtc-591	13	37	)	)	PUNCT
ijtc-591	13	38	planning	planning	NOUN
ijtc-591	13	39	factors	factor	NOUN
ijtc-591	13	40	.	.	PUNCT
ijtc-591	14	1	keywords	keyword	NOUN
ijtc-591	14	2	:	:	PUNCT
ijtc-591	14	3	factor	factor	NOUN
ijtc-591	14	4	analysis	analysis	NOUN
ijtc-591	14	5	,	,	PUNCT
ijtc-591	14	6	financial	financial	ADJ
ijtc-591	14	7	literacy	literacy	NOUN
ijtc-591	14	8	,	,	PUNCT
ijtc-591	14	9	multivariate	multivariate	VERB
ijtc-591	14	10	analysis	analysis	NOUN
ijtc-591	14	11	this	this	PRON
ijtc-591	14	12	is	be	AUX
ijtc-591	14	13	an	an	DET
ijtc-591	14	14	open	open	ADJ
ijtc-591	14	15	access	access	NOUN
ijtc-591	14	16	article	article	NOUN
ijtc-591	14	17	under	under	ADP
ijtc-591	14	18	the	the	DET
ijtc-591	14	19	cc	cc	NOUN
ijtc-591	14	20	-	-	PUNCT
ijtc-591	14	21	by	by	ADP
ijtc-591	14	22	4.0	4.0	NUM
ijtc-591	14	23	license	license	NOUN
ijtc-591	14	24	introduction	introduction	NOUN
ijtc-591	14	25	talking	talk	VERB
ijtc-591	14	26	about	about	ADP
ijtc-591	14	27	financial	financial	ADJ
ijtc-591	14	28	literacy	literacy	NOUN
ijtc-591	14	29	,	,	PUNCT
ijtc-591	14	30	it	it	PRON
ijtc-591	14	31	can	can	AUX
ijtc-591	14	32	be	be	AUX
ijtc-591	14	33	defined	define	VERB
ijtc-591	14	34	as	as	ADP
ijtc-591	14	35	financial	financial	ADJ
ijtc-591	14	36	knowledge	knowledge	NOUN
ijtc-591	14	37	aimed	aim	VERB
ijtc-591	14	38	at	at	ADP
ijtc-591	14	39	achieving	achieve	VERB
ijtc-591	14	40	prosperity	prosperity	NOUN
ijtc-591	14	41	(	(	PUNCT
ijtc-591	14	42	lusardi	lusardi	PROPN
ijtc-591	14	43	&	&	CCONJ
ijtc-591	14	44	mitchell	mitchell	PROPN
ijtc-591	14	45	,	,	PUNCT
ijtc-591	14	46	2014	2014	NUM
ijtc-591	14	47	)	)	PUNCT
ijtc-591	14	48	.	.	PUNCT
ijtc-591	15	1	communities	community	NOUN
ijtc-591	15	2	in	in	ADP
ijtc-591	15	3	indonesia	indonesia	PROPN
ijtc-591	15	4	have	have	VERB
ijtc-591	15	5	serious	serious	ADJ
ijtc-591	15	6	problems	problem	NOUN
ijtc-591	15	7	and	and	CCONJ
ijtc-591	15	8	significant	significant	ADJ
ijtc-591	15	9	challenges	challenge	NOUN
ijtc-591	15	10	due	due	ADP
ijtc-591	15	11	to	to	ADP
ijtc-591	15	12	the	the	DET
ijtc-591	15	13	lack	lack	NOUN
ijtc-591	15	14	of	of	ADP
ijtc-591	15	15	information	information	NOUN
ijtc-591	15	16	on	on	ADP
ijtc-591	15	17	financial	financial	ADJ
ijtc-591	15	18	literacy	literacy	NOUN
ijtc-591	15	19	(	(	PUNCT
ijtc-591	15	20	otoritas	otorita	NOUN
ijtc-591	15	21	jasa	jasa	PROPN
ijtc-591	15	22	keuangan	keuangan	PROPN
ijtc-591	15	23	,	,	PUNCT
ijtc-591	15	24	2019	2019	NUM
ijtc-591	15	25	;	;	PUNCT
ijtc-591	15	26	shandy	shandy	NOUN
ijtc-591	15	27	,	,	PUNCT
ijtc-591	15	28	2021	2021	NUM
ijtc-591	15	29	;	;	PUNCT
ijtc-591	15	30	wahyuni	wahyuni	PROPN
ijtc-591	15	31	et	et	PROPN
ijtc-591	15	32	al	al	PROPN
ijtc-591	15	33	.	.	PROPN
ijtc-591	15	34	,	,	PUNCT
ijtc-591	15	35	2019	2019	NUM
ijtc-591	15	36	)	)	PUNCT
ijtc-591	15	37	.	.	PUNCT
ijtc-591	16	1	individual	individual	ADJ
ijtc-591	16	2	financial	financial	ADJ
ijtc-591	16	3	education	education	NOUN
ijtc-591	16	4	is	be	AUX
ijtc-591	16	5	becoming	become	VERB
ijtc-591	16	6	increasingly	increasingly	ADV
ijtc-591	16	7	important	important	ADJ
ijtc-591	16	8	to	to	PART
ijtc-591	16	9	avoid	avoid	VERB
ijtc-591	16	10	adverse	adverse	ADJ
ijtc-591	16	11	mistakes	mistake	NOUN
ijtc-591	16	12	in	in	ADP
ijtc-591	16	13	future	future	ADJ
ijtc-591	16	14	financial	financial	ADJ
ijtc-591	16	15	decision	decision	NOUN
ijtc-591	16	16	making	making	NOUN
ijtc-591	16	17	(	(	PUNCT
ijtc-591	16	18	li	li	PROPN
ijtc-591	16	19	et	et	PROPN
ijtc-591	16	20	al	al	PROPN
ijtc-591	16	21	.	.	PROPN
ijtc-591	16	22	,	,	PUNCT
ijtc-591	16	23	2020	2020	NUM
ijtc-591	16	24	;	;	PUNCT
ijtc-591	16	25	margaretha	margaretha	PROPN
ijtc-591	16	26	&	&	CCONJ
ijtc-591	16	27	pambudhi	pambudhi	PROPN
ijtc-591	16	28	,	,	PUNCT
ijtc-591	16	29	2015	2015	NUM
ijtc-591	16	30	)	)	PUNCT
ijtc-591	16	31	.	.	PUNCT
ijtc-591	17	1	based	base	VERB
ijtc-591	17	2	on	on	ADP
ijtc-591	17	3	the	the	DET
ijtc-591	17	4	results	result	NOUN
ijtc-591	17	5	of	of	ADP
ijtc-591	17	6	the	the	DET
ijtc-591	17	7	national	national	ADJ
ijtc-591	17	8	survey	survey	NOUN
ijtc-591	17	9	of	of	ADP
ijtc-591	17	10	islamic	islamic	ADJ
ijtc-591	17	11	financial	financial	ADJ
ijtc-591	17	12	literacy	literacy	NOUN
ijtc-591	17	13	,	,	PUNCT
ijtc-591	17	14	the	the	DET
ijtc-591	17	15	islamic	islamic	ADJ
ijtc-591	17	16	financial	financial	ADJ
ijtc-591	17	17	literacy	literacy	NOUN
ijtc-591	17	18	index	index	NOUN
ijtc-591	17	19	of	of	ADP
ijtc-591	17	20	the	the	DET
ijtc-591	17	21	indonesian	indonesian	ADJ
ijtc-591	17	22	people	people	NOUN
ijtc-591	17	23	in	in	ADP
ijtc-591	17	24	2019	2019	NUM
ijtc-591	17	25	was	be	AUX
ijtc-591	17	26	8.93	8.93	NUM
ijtc-591	17	27	percent	percent	NOUN
ijtc-591	17	28	,	,	PUNCT
ijtc-591	17	29	indicating	indicate	VERB
ijtc-591	17	30	that	that	SCONJ
ijtc-591	17	31	the	the	DET
ijtc-591	17	32	majority	majority	NOUN
ijtc-591	17	33	of	of	ADP
ijtc-591	17	34	indonesian	indonesian	ADJ
ijtc-591	17	35	people	people	NOUN
ijtc-591	17	36	fall	fall	VERB
ijtc-591	17	37	into	into	ADP
ijtc-591	17	38	the	the	DET
ijtc-591	17	39	category	category	NOUN
ijtc-591	17	40	of	of	ADP
ijtc-591	17	41	people	people	NOUN
ijtc-591	17	42	who	who	PRON
ijtc-591	17	43	are	be	AUX
ijtc-591	17	44	not	not	PART
ijtc-591	17	45	yet	yet	ADV
ijtc-591	17	46	literate	literate	ADJ
ijtc-591	17	47	.	.	PUNCT
ijtc-591	18	1	various	various	ADJ
ijtc-591	18	2	financial	financial	ADJ
ijtc-591	18	3	literacy	literacy	NOUN
ijtc-591	18	4	education	education	NOUN
ijtc-591	18	5	programs	program	NOUN
ijtc-591	18	6	are	be	AUX
ijtc-591	18	7	organized	organize	VERB
ijtc-591	18	8	by	by	ADP
ijtc-591	18	9	the	the	DET
ijtc-591	18	10	financial	financial	PROPN
ijtc-591	18	11	services	service	NOUN
ijtc-591	18	12	authority	authority	NOUN
ijtc-591	18	13	to	to	PART
ijtc-591	18	14	improve	improve	VERB
ijtc-591	18	15	public	public	ADJ
ijtc-591	18	16	financial	financial	ADJ
ijtc-591	18	17	literacy	literacy	NOUN
ijtc-591	18	18	.	.	PUNCT
ijtc-591	19	1	students	student	NOUN
ijtc-591	19	2	and	and	CCONJ
ijtc-591	19	3	students	student	NOUN
ijtc-591	19	4	in	in	ADP
ijtc-591	19	5	general	general	ADJ
ijtc-591	19	6	are	be	AUX
ijtc-591	19	7	the	the	DET
ijtc-591	19	8	main	main	ADJ
ijtc-591	19	9	focus	focus	NOUN
ijtc-591	19	10	of	of	ADP
ijtc-591	19	11	financial	financial	ADJ
ijtc-591	19	12	education	education	NOUN
ijtc-591	19	13	efforts	effort	NOUN
ijtc-591	19	14	aimed	aim	VERB
ijtc-591	19	15	at	at	ADP
ijtc-591	19	16	educating	educate	VERB
ijtc-591	19	17	the	the	DET
ijtc-591	19	18	general	general	ADJ
ijtc-591	19	19	public	public	NOUN
ijtc-591	19	20	.	.	PUNCT
ijtc-591	20	1	students	student	NOUN
ijtc-591	20	2	are	be	AUX
ijtc-591	20	3	considered	consider	VERB
ijtc-591	20	4	to	to	PART
ijtc-591	20	5	have	have	VERB
ijtc-591	20	6	a	a	DET
ijtc-591	20	7	very	very	ADV
ijtc-591	20	8	important	important	ADJ
ijtc-591	20	9	role	role	NOUN
ijtc-591	20	10	because	because	SCONJ
ijtc-591	20	11	one	one	NUM
ijtc-591	20	12	of	of	ADP
ijtc-591	20	13	the	the	DET
ijtc-591	20	14	advantages	advantage	NOUN
ijtc-591	20	15	of	of	ADP
ijtc-591	20	16	being	be	AUX
ijtc-591	20	17	a	a	DET
ijtc-591	20	18	student	student	NOUN
ijtc-591	20	19	is	be	AUX
ijtc-591	20	20	being	be	AUX
ijtc-591	20	21	relatively	relatively	ADV
ijtc-591	20	22	close	close	ADJ
ijtc-591	20	23	to	to	ADP
ijtc-591	20	24	the	the	DET
ijtc-591	20	25	community	community	NOUN
ijtc-591	20	26	(	(	PUNCT
ijtc-591	20	27	otoritas	otoritas	PROPN
ijtc-591	20	28	jasa	jasa	PROPN
ijtc-591	20	29	keuangan	keuangan	PROPN
ijtc-591	20	30	,	,	PUNCT
ijtc-591	20	31	2017	2017	NUM
ijtc-591	20	32	)	)	PUNCT
ijtc-591	20	33	mailto:lenitriana.binabangsaa@gmail.com	mailto:lenitriana.binabangsaa@gmail.com	NOUN
ijtc-591	20	34	https://doi.org/10.52728/ijtc.v3i4.591	https://doi.org/10.52728/ijtc.v3i4.591	NOUN
ijtc-591	20	35	factors	factor	NOUN
ijtc-591	20	36	affecting	affect	VERB
ijtc-591	20	37	student	student	NOUN
ijtc-591	20	38	financial	financial	ADJ
ijtc-591	20	39	literacy	literacy	NOUN
ijtc-591	20	40	triana	triana	NOUN
ijtc-591	20	41	and	and	CCONJ
ijtc-591	20	42	ibrohim	ibrohim	PRON
ijtc-591	20	43	422	422	NUM
ijtc-591	20	44	|	|	CCONJ
ijtc-591	20	45	ilomata	ilomata	NOUN
ijtc-591	20	46	international	international	ADJ
ijtc-591	20	47	journal	journal	NOUN
ijtc-591	20	48	of	of	ADP
ijtc-591	20	49	tax	tax	PROPN
ijtc-591	20	50	&	&	CCONJ
ijtc-591	20	51	accounting	accounting	PROPN
ijtc-591	20	52	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-591	20	53	according	accord	VERB
ijtc-591	20	54	to	to	ADP
ijtc-591	20	55	a	a	DET
ijtc-591	20	56	poll	poll	NOUN
ijtc-591	20	57	performed	perform	VERB
ijtc-591	20	58	by	by	ADP
ijtc-591	20	59	the	the	DET
ijtc-591	20	60	financial	financial	PROPN
ijtc-591	20	61	services	service	NOUN
ijtc-591	20	62	authority	authority	NOUN
ijtc-591	20	63	in	in	ADP
ijtc-591	20	64	2015	2015	NUM
ijtc-591	20	65	,	,	PUNCT
ijtc-591	20	66	indonesia	indonesia	PROPN
ijtc-591	20	67	has	have	VERB
ijtc-591	20	68	the	the	DET
ijtc-591	20	69	lowest	low	ADJ
ijtc-591	20	70	degree	degree	NOUN
ijtc-591	20	71	of	of	ADP
ijtc-591	20	72	financial	financial	ADJ
ijtc-591	20	73	literacy	literacy	NOUN
ijtc-591	20	74	among	among	ADP
ijtc-591	20	75	neighboring	neighboring	NOUN
ijtc-591	20	76	nations	nation	NOUN
ijtc-591	20	77	.	.	PUNCT
ijtc-591	21	1	(	(	PUNCT
ijtc-591	21	2	otoritas	otoritas	PROPN
ijtc-591	21	3	jasa	jasa	PROPN
ijtc-591	21	4	keuangan	keuangan	PROPN
ijtc-591	21	5	,	,	PUNCT
ijtc-591	21	6	2017	2017	NUM
ijtc-591	21	7	)	)	PUNCT
ijtc-591	21	8	.	.	PUNCT
ijtc-591	22	1	for	for	ADP
ijtc-591	22	2	a	a	DET
ijtc-591	22	3	bright	bright	ADJ
ijtc-591	22	4	future	future	NOUN
ijtc-591	22	5	,	,	PUNCT
ijtc-591	22	6	students	student	NOUN
ijtc-591	22	7	must	must	AUX
ijtc-591	22	8	have	have	VERB
ijtc-591	22	9	a	a	DET
ijtc-591	22	10	better	well	ADJ
ijtc-591	22	11	understanding	understanding	NOUN
ijtc-591	22	12	of	of	ADP
ijtc-591	22	13	personal	personal	ADJ
ijtc-591	22	14	finance	finance	NOUN
ijtc-591	22	15	as	as	ADV
ijtc-591	22	16	well	well	ADV
ijtc-591	22	17	as	as	ADP
ijtc-591	22	18	reallife	reallife	NOUN
ijtc-591	22	19	skills	skill	NOUN
ijtc-591	22	20	such	such	ADJ
ijtc-591	22	21	as	as	ADP
ijtc-591	22	22	budgeting	budgeting	NOUN
ijtc-591	22	23	,	,	PUNCT
ijtc-591	22	24	saving	saving	NOUN
ijtc-591	22	25	,	,	PUNCT
ijtc-591	22	26	paying	pay	VERB
ijtc-591	22	27	interest	interest	NOUN
ijtc-591	22	28	,	,	PUNCT
ijtc-591	22	29	and	and	CCONJ
ijtc-591	22	30	even	even	ADV
ijtc-591	22	31	taking	take	VERB
ijtc-591	22	32	out	out	ADP
ijtc-591	22	33	insurance	insurance	NOUN
ijtc-591	22	34	(	(	PUNCT
ijtc-591	22	35	kumar	kumar	PROPN
ijtc-591	22	36	et	et	PROPN
ijtc-591	22	37	al	al	PROPN
ijtc-591	22	38	.	.	PROPN
ijtc-591	22	39	,	,	PUNCT
ijtc-591	22	40	2022	2022	NUM
ijtc-591	22	41	;	;	PUNCT
ijtc-591	22	42	sohn	sohn	PROPN
ijtc-591	22	43	et	et	PROPN
ijtc-591	22	44	al	al	PROPN
ijtc-591	22	45	.	.	PROPN
ijtc-591	22	46	,	,	PUNCT
ijtc-591	22	47	2012	2012	NUM
ijtc-591	22	48	;	;	PUNCT
ijtc-591	22	49	zhou	zhou	PROPN
ijtc-591	22	50	et	et	PROPN
ijtc-591	22	51	al	al	PROPN
ijtc-591	22	52	.	.	PROPN
ijtc-591	22	53	,	,	PUNCT
ijtc-591	22	54	2022	2022	NUM
ijtc-591	22	55	)	)	PUNCT
ijtc-591	22	56	.	.	PUNCT
ijtc-591	23	1	on	on	ADP
ijtc-591	23	2	the	the	DET
ijtc-591	23	3	other	other	ADJ
ijtc-591	23	4	hand	hand	NOUN
ijtc-591	23	5	,	,	PUNCT
ijtc-591	23	6	the	the	DET
ijtc-591	23	7	current	current	ADJ
ijtc-591	23	8	phenomenon	phenomenon	NOUN
ijtc-591	23	9	does	do	AUX
ijtc-591	23	10	not	not	PART
ijtc-591	23	11	reflect	reflect	VERB
ijtc-591	23	12	a	a	DET
ijtc-591	23	13	high	high	ADJ
ijtc-591	23	14	level	level	NOUN
ijtc-591	23	15	of	of	ADP
ijtc-591	23	16	financial	financial	ADJ
ijtc-591	23	17	literacy	literacy	NOUN
ijtc-591	23	18	among	among	ADP
ijtc-591	23	19	students	student	NOUN
ijtc-591	23	20	.	.	PUNCT
ijtc-591	24	1	this	this	PRON
ijtc-591	24	2	can	can	AUX
ijtc-591	24	3	be	be	AUX
ijtc-591	24	4	seen	see	VERB
ijtc-591	24	5	from	from	ADP
ijtc-591	24	6	the	the	DET
ijtc-591	24	7	fact	fact	NOUN
ijtc-591	24	8	that	that	SCONJ
ijtc-591	24	9	there	there	PRON
ijtc-591	24	10	has	have	AUX
ijtc-591	24	11	not	not	PART
ijtc-591	24	12	been	be	AUX
ijtc-591	24	13	any	any	DET
ijtc-591	24	14	attempt	attempt	NOUN
ijtc-591	24	15	made	make	VERB
ijtc-591	24	16	to	to	PART
ijtc-591	24	17	establish	establish	VERB
ijtc-591	24	18	a	a	DET
ijtc-591	24	19	priority	priority	NOUN
ijtc-591	24	20	scale	scale	NOUN
ijtc-591	24	21	for	for	ADP
ijtc-591	24	22	different	different	ADJ
ijtc-591	24	23	types	type	NOUN
ijtc-591	24	24	of	of	ADP
ijtc-591	24	25	economic	economic	ADJ
ijtc-591	24	26	activities	activity	NOUN
ijtc-591	24	27	(	(	PUNCT
ijtc-591	24	28	budiarti	budiarti	NOUN
ijtc-591	24	29	&	&	CCONJ
ijtc-591	24	30	setyaningsih	setyaningsih	PROPN
ijtc-591	24	31	,	,	PUNCT
ijtc-591	24	32	2021	2021	NUM
ijtc-591	24	33	)	)	PUNCT
ijtc-591	24	34	.	.	PUNCT
ijtc-591	25	1	even	even	ADV
ijtc-591	25	2	though	though	SCONJ
ijtc-591	25	3	the	the	DET
ijtc-591	25	4	majority	majority	NOUN
ijtc-591	25	5	of	of	ADP
ijtc-591	25	6	them	they	PRON
ijtc-591	25	7	do	do	AUX
ijtc-591	25	8	not	not	PART
ijtc-591	25	9	have	have	VERB
ijtc-591	25	10	income	income	NOUN
ijtc-591	25	11	because	because	SCONJ
ijtc-591	25	12	they	they	PRON
ijtc-591	25	13	are	be	AUX
ijtc-591	25	14	still	still	ADV
ijtc-591	25	15	financially	financially	ADV
ijtc-591	25	16	dependent	dependent	ADJ
ijtc-591	25	17	on	on	ADP
ijtc-591	25	18	their	their	PRON
ijtc-591	25	19	parents	parent	NOUN
ijtc-591	25	20	,	,	PUNCT
ijtc-591	25	21	they	they	PRON
ijtc-591	25	22	are	be	AUX
ijtc-591	25	23	becoming	become	VERB
ijtc-591	25	24	increasingly	increasingly	ADV
ijtc-591	25	25	wasteful	wasteful	ADJ
ijtc-591	25	26	in	in	ADP
ijtc-591	25	27	the	the	DET
ijtc-591	25	28	sense	sense	NOUN
ijtc-591	25	29	that	that	SCONJ
ijtc-591	25	30	they	they	PRON
ijtc-591	25	31	make	make	VERB
ijtc-591	25	32	purchases	purchase	NOUN
ijtc-591	25	33	without	without	ADP
ijtc-591	25	34	giving	give	VERB
ijtc-591	25	35	any	any	DET
ijtc-591	25	36	thought	thought	NOUN
ijtc-591	25	37	to	to	ADP
ijtc-591	25	38	the	the	DET
ijtc-591	25	39	future	future	NOUN
ijtc-591	25	40	.	.	PUNCT
ijtc-591	26	1	additionally	additionally	ADV
ijtc-591	26	2	,	,	PUNCT
ijtc-591	26	3	their	their	PRON
ijtc-591	26	4	monthly	monthly	ADJ
ijtc-591	26	5	reserves	reserve	NOUN
ijtc-591	26	6	are	be	AUX
ijtc-591	26	7	restricted	restrict	VERB
ijtc-591	26	8	(	(	PUNCT
ijtc-591	26	9	amagir	amagir	PROPN
ijtc-591	26	10	et	et	PROPN
ijtc-591	26	11	al	al	PROPN
ijtc-591	26	12	.	.	PROPN
ijtc-591	26	13	,	,	PUNCT
ijtc-591	26	14	2020	2020	NUM
ijtc-591	26	15	;	;	PUNCT
ijtc-591	26	16	gilenko	gilenko	PROPN
ijtc-591	26	17	&	&	CCONJ
ijtc-591	26	18	chernova	chernova	PROPN
ijtc-591	26	19	,	,	PUNCT
ijtc-591	26	20	2021	2021	NUM
ijtc-591	26	21	;	;	PUNCT
ijtc-591	26	22	margaretha	margaretha	PROPN
ijtc-591	26	23	&	&	CCONJ
ijtc-591	26	24	pambudhi	pambudhi	PROPN
ijtc-591	26	25	,	,	PUNCT
ijtc-591	26	26	2015	2015	NUM
ijtc-591	26	27	;	;	PUNCT
ijtc-591	26	28	moreno	moreno	PROPN
ijtc-591	26	29	-	-	PUNCT
ijtc-591	26	30	herrero	herrero	PROPN
ijtc-591	26	31	et	et	PROPN
ijtc-591	26	32	al	al	PROPN
ijtc-591	26	33	.	.	PROPN
ijtc-591	26	34	,	,	PUNCT
ijtc-591	26	35	2018	2018	NUM
ijtc-591	26	36	)	)	PUNCT
ijtc-591	26	37	.	.	PUNCT
ijtc-591	27	1	in	in	ADP
ijtc-591	27	2	furthermore	furthermore	ADV
ijtc-591	27	3	,	,	PUNCT
ijtc-591	27	4	delays	delay	NOUN
ijtc-591	27	5	in	in	ADP
ijtc-591	27	6	remittances	remittance	NOUN
ijtc-591	27	7	from	from	ADP
ijtc-591	27	8	family	family	NOUN
ijtc-591	27	9	members	member	NOUN
ijtc-591	27	10	or	or	CCONJ
ijtc-591	27	11	premature	premature	ADJ
ijtc-591	27	12	exhaustion	exhaustion	NOUN
ijtc-591	27	13	of	of	ADP
ijtc-591	27	14	monthly	monthly	ADJ
ijtc-591	27	15	payments	payment	NOUN
ijtc-591	27	16	are	be	AUX
ijtc-591	27	17	both	both	PRON
ijtc-591	27	18	problems	problem	NOUN
ijtc-591	27	19	in	in	ADP
ijtc-591	27	20	terms	term	NOUN
ijtc-591	27	21	of	of	ADP
ijtc-591	27	22	the	the	DET
ijtc-591	27	23	management	management	NOUN
ijtc-591	27	24	of	of	ADP
ijtc-591	27	25	their	their	PRON
ijtc-591	27	26	finances	finance	NOUN
ijtc-591	27	27	.	.	PUNCT
ijtc-591	28	1	sometimes	sometimes	ADV
ijtc-591	28	2	the	the	DET
ijtc-591	28	3	condition	condition	NOUN
ijtc-591	28	4	of	of	ADP
ijtc-591	28	5	a	a	DET
ijtc-591	28	6	friendly	friendly	ADJ
ijtc-591	28	7	atmosphere	atmosphere	NOUN
ijtc-591	28	8	is	be	AUX
ijtc-591	28	9	also	also	ADV
ijtc-591	28	10	endorsed	endorse	VERB
ijtc-591	28	11	by	by	ADP
ijtc-591	28	12	many	many	ADJ
ijtc-591	28	13	lucrative	lucrative	ADJ
ijtc-591	28	14	entertainment	entertainment	NOUN
ijtc-591	28	15	and	and	CCONJ
ijtc-591	28	16	culinary	culinary	NOUN
ijtc-591	28	17	facilities	facility	NOUN
ijtc-591	28	18	,	,	PUNCT
ijtc-591	28	19	which	which	PRON
ijtc-591	28	20	have	have	VERB
ijtc-591	28	21	an	an	DET
ijtc-591	28	22	impact	impact	NOUN
ijtc-591	28	23	on	on	ADP
ijtc-591	28	24	the	the	DET
ijtc-591	28	25	financial	financial	ADJ
ijtc-591	28	26	structures	structure	NOUN
ijtc-591	28	27	and	and	CCONJ
ijtc-591	28	28	consumption	consumption	NOUN
ijtc-591	28	29	patterns	pattern	NOUN
ijtc-591	28	30	of	of	ADP
ijtc-591	28	31	students	student	NOUN
ijtc-591	28	32	in	in	ADP
ijtc-591	28	33	general	general	ADJ
ijtc-591	28	34	.	.	PUNCT
ijtc-591	29	1	these	these	DET
ijtc-591	29	2	facilities	facility	NOUN
ijtc-591	29	3	can	can	AUX
ijtc-591	29	4	be	be	AUX
ijtc-591	29	5	found	find	VERB
ijtc-591	29	6	on	on	ADP
ijtc-591	29	7	campus	campus	NOUN
ijtc-591	29	8	.	.	PUNCT
ijtc-591	30	1	if	if	SCONJ
ijtc-591	30	2	the	the	DET
ijtc-591	30	3	student	student	NOUN
ijtc-591	30	4	does	do	AUX
ijtc-591	30	5	not	not	PART
ijtc-591	30	6	acquire	acquire	VERB
ijtc-591	30	7	knowledge	knowledge	NOUN
ijtc-591	30	8	and	and	CCONJ
ijtc-591	30	9	experience	experience	NOUN
ijtc-591	30	10	in	in	ADP
ijtc-591	30	11	the	the	DET
ijtc-591	30	12	field	field	NOUN
ijtc-591	30	13	of	of	ADP
ijtc-591	30	14	finance	finance	NOUN
ijtc-591	30	15	,	,	PUNCT
ijtc-591	30	16	then	then	ADV
ijtc-591	30	17	the	the	DET
ijtc-591	30	18	likelihood	likelihood	NOUN
ijtc-591	30	19	of	of	ADP
ijtc-591	30	20	making	make	VERB
ijtc-591	30	21	mistakes	mistake	NOUN
ijtc-591	30	22	in	in	ADP
ijtc-591	30	23	the	the	DET
ijtc-591	30	24	financial	financial	ADJ
ijtc-591	30	25	resource	resource	NOUN
ijtc-591	30	26	management	management	NOUN
ijtc-591	30	27	will	will	AUX
ijtc-591	30	28	be	be	AUX
ijtc-591	30	29	even	even	ADV
ijtc-591	30	30	higher	high	ADJ
ijtc-591	30	31	,	,	PUNCT
ijtc-591	30	32	and	and	CCONJ
ijtc-591	30	33	it	it	PRON
ijtc-591	30	34	will	will	AUX
ijtc-591	30	35	be	be	AUX
ijtc-591	30	36	more	more	ADV
ijtc-591	30	37	difficult	difficult	ADJ
ijtc-591	30	38	to	to	PART
ijtc-591	30	39	achieve	achieve	VERB
ijtc-591	30	40	prosperity	prosperity	NOUN
ijtc-591	30	41	.	.	PUNCT
ijtc-591	31	1	consequently	consequently	ADV
ijtc-591	31	2	,	,	PUNCT
ijtc-591	31	3	students	student	NOUN
ijtc-591	31	4	need	need	VERB
ijtc-591	31	5	to	to	PART
ijtc-591	31	6	be	be	AUX
ijtc-591	31	7	instructed	instruct	VERB
ijtc-591	31	8	in	in	ADP
ijtc-591	31	9	the	the	DET
ijtc-591	31	10	proper	proper	ADJ
ijtc-591	31	11	management	management	NOUN
ijtc-591	31	12	of	of	ADP
ijtc-591	31	13	finances	finance	NOUN
ijtc-591	31	14	in	in	ADP
ijtc-591	31	15	order	order	NOUN
ijtc-591	31	16	for	for	SCONJ
ijtc-591	31	17	them	they	PRON
ijtc-591	31	18	to	to	PART
ijtc-591	31	19	maximize	maximize	VERB
ijtc-591	31	20	the	the	DET
ijtc-591	31	21	value	value	NOUN
ijtc-591	31	22	of	of	ADP
ijtc-591	31	23	the	the	DET
ijtc-591	31	24	money	money	NOUN
ijtc-591	31	25	that	that	PRON
ijtc-591	31	26	is	be	AUX
ijtc-591	31	27	available	available	ADJ
ijtc-591	31	28	to	to	ADP
ijtc-591	31	29	them	they	PRON
ijtc-591	31	30	(	(	PUNCT
ijtc-591	31	31	douissa	douissa	ADJ
ijtc-591	31	32	,	,	PUNCT
ijtc-591	31	33	2020	2020	NUM
ijtc-591	31	34	;	;	PUNCT
ijtc-591	31	35	jang	jang	PROPN
ijtc-591	31	36	et	et	PROPN
ijtc-591	31	37	al	al	PROPN
ijtc-591	31	38	.	.	PROPN
ijtc-591	31	39	,	,	PUNCT
ijtc-591	31	40	2014	2014	NUM
ijtc-591	31	41	;	;	PUNCT
ijtc-591	31	42	maulida	maulida	PROPN
ijtc-591	31	43	,	,	PUNCT
ijtc-591	31	44	2018	2018	NUM
ijtc-591	31	45	;	;	PUNCT
ijtc-591	32	1	popovich	popovich	PROPN
ijtc-591	32	2	et	et	PROPN
ijtc-591	32	3	al	al	PROPN
ijtc-591	32	4	.	.	PROPN
ijtc-591	32	5	,	,	PUNCT
ijtc-591	32	6	2020	2020	NUM
ijtc-591	32	7	)	)	PUNCT
ijtc-591	32	8	.	.	PUNCT
ijtc-591	33	1	literacy	literacy	NOUN
ijtc-591	33	2	in	in	ADP
ijtc-591	33	3	financial	financial	ADJ
ijtc-591	33	4	matters	matter	NOUN
ijtc-591	33	5	is	be	AUX
ijtc-591	33	6	an	an	DET
ijtc-591	33	7	absolute	absolute	ADJ
ijtc-591	33	8	necessity	necessity	NOUN
ijtc-591	33	9	for	for	SCONJ
ijtc-591	33	10	a	a	DET
ijtc-591	33	11	person	person	NOUN
ijtc-591	33	12	to	to	PART
ijtc-591	33	13	have	have	VERB
ijtc-591	33	14	in	in	ADP
ijtc-591	33	15	order	order	NOUN
ijtc-591	33	16	to	to	PART
ijtc-591	33	17	keep	keep	VERB
ijtc-591	33	18	themselves	themselves	PRON
ijtc-591	33	19	from	from	ADP
ijtc-591	33	20	getting	get	VERB
ijtc-591	33	21	into	into	ADP
ijtc-591	33	22	financial	financial	ADJ
ijtc-591	33	23	trouble	trouble	NOUN
ijtc-591	33	24	.	.	PUNCT
ijtc-591	34	1	the	the	DET
ijtc-591	34	2	emergence	emergence	NOUN
ijtc-591	34	3	of	of	ADP
ijtc-591	34	4	financial	financial	ADJ
ijtc-591	34	5	issues	issue	NOUN
ijtc-591	34	6	is	be	AUX
ijtc-591	34	7	not	not	PART
ijtc-591	34	8	only	only	ADV
ijtc-591	34	9	the	the	DET
ijtc-591	34	10	result	result	NOUN
ijtc-591	34	11	of	of	ADP
ijtc-591	34	12	a	a	DET
ijtc-591	34	13	low	low	ADJ
ijtc-591	34	14	level	level	NOUN
ijtc-591	34	15	of	of	ADP
ijtc-591	34	16	income	income	NOUN
ijtc-591	34	17	;	;	PUNCT
ijtc-591	34	18	rather	rather	ADV
ijtc-591	34	19	,	,	PUNCT
ijtc-591	34	20	it	it	PRON
ijtc-591	34	21	can	can	AUX
ijtc-591	34	22	also	also	ADV
ijtc-591	34	23	be	be	AUX
ijtc-591	34	24	the	the	DET
ijtc-591	34	25	result	result	NOUN
ijtc-591	34	26	of	of	ADP
ijtc-591	34	27	a	a	DET
ijtc-591	34	28	person	person	NOUN
ijtc-591	34	29	's	's	PART
ijtc-591	34	30	lack	lack	NOUN
ijtc-591	34	31	of	of	ADP
ijtc-591	34	32	knowledge	knowledge	NOUN
ijtc-591	34	33	in	in	ADP
ijtc-591	34	34	the	the	DET
ijtc-591	34	35	management	management	NOUN
ijtc-591	34	36	of	of	ADP
ijtc-591	34	37	their	their	PRON
ijtc-591	34	38	own	own	ADJ
ijtc-591	34	39	personal	personal	ADJ
ijtc-591	34	40	finances	finance	NOUN
ijtc-591	34	41	.	.	PUNCT
ijtc-591	35	1	individuals	individual	NOUN
ijtc-591	35	2	who	who	PRON
ijtc-591	35	3	demonstrate	demonstrate	VERB
ijtc-591	35	4	financial	financial	ADJ
ijtc-591	35	5	literacy	literacy	NOUN
ijtc-591	35	6	are	be	AUX
ijtc-591	35	7	able	able	ADJ
ijtc-591	35	8	to	to	PART
ijtc-591	35	9	make	make	VERB
ijtc-591	35	10	effective	effective	ADJ
ijtc-591	35	11	use	use	NOUN
ijtc-591	35	12	of	of	ADP
ijtc-591	35	13	the	the	DET
ijtc-591	35	14	assets	asset	NOUN
ijtc-591	35	15	at	at	ADP
ijtc-591	35	16	their	their	PRON
ijtc-591	35	17	disposal	disposal	NOUN
ijtc-591	35	18	to	to	PART
ijtc-591	35	19	achieve	achieve	VERB
ijtc-591	35	20	and	and	CCONJ
ijtc-591	35	21	improve	improve	VERB
ijtc-591	35	22	their	their	PRON
ijtc-591	35	23	standard	standard	NOUN
ijtc-591	35	24	of	of	ADP
ijtc-591	35	25	living	living	NOUN
ijtc-591	35	26	(	(	PUNCT
ijtc-591	35	27	cameron	cameron	PROPN
ijtc-591	35	28	et	et	PROPN
ijtc-591	35	29	al	al	PROPN
ijtc-591	35	30	.	.	PROPN
ijtc-591	35	31	,	,	PUNCT
ijtc-591	35	32	2014	2014	NUM
ijtc-591	35	33	;	;	PUNCT
ijtc-591	35	34	cavdar	cavdar	NOUN
ijtc-591	35	35	&	&	CCONJ
ijtc-591	35	36	aydin	aydin	NOUN
ijtc-591	35	37	,	,	PUNCT
ijtc-591	35	38	2015	2015	NUM
ijtc-591	35	39	)	)	PUNCT
ijtc-591	35	40	.	.	PUNCT
ijtc-591	36	1	financial	financial	ADJ
ijtc-591	36	2	literacy	literacy	NOUN
ijtc-591	36	3	is	be	AUX
ijtc-591	36	4	financial	financial	ADJ
ijtc-591	36	5	knowledge	knowledge	NOUN
ijtc-591	36	6	and	and	CCONJ
ijtc-591	36	7	the	the	DET
ijtc-591	36	8	ability	ability	NOUN
ijtc-591	36	9	to	to	PART
ijtc-591	36	10	apply	apply	VERB
ijtc-591	36	11	it	it	PRON
ijtc-591	36	12	in	in	ADP
ijtc-591	36	13	everyday	everyday	ADJ
ijtc-591	36	14	life	life	NOUN
ijtc-591	36	15	with	with	ADP
ijtc-591	36	16	the	the	DET
ijtc-591	36	17	aim	aim	NOUN
ijtc-591	36	18	of	of	ADP
ijtc-591	36	19	achieving	achieve	VERB
ijtc-591	36	20	prosperity	prosperity	NOUN
ijtc-591	36	21	.	.	PUNCT
ijtc-591	37	1	the	the	DET
ijtc-591	37	2	definition	definition	NOUN
ijtc-591	37	3	of	of	ADP
ijtc-591	37	4	financial	financial	ADJ
ijtc-591	37	5	literacy	literacy	NOUN
ijtc-591	37	6	,	,	PUNCT
ijtc-591	37	7	according	accord	VERB
ijtc-591	37	8	to	to	ADP
ijtc-591	37	9	(	(	PUNCT
ijtc-591	37	10	dhandayuthapani	dhandayuthapani	ADJ
ijtc-591	37	11	,	,	PUNCT
ijtc-591	37	12	2020	2020	NUM
ijtc-591	37	13	)	)	PUNCT
ijtc-591	37	14	is	be	AUX
ijtc-591	37	15	the	the	DET
ijtc-591	37	16	ability	ability	NOUN
ijtc-591	37	17	to	to	PART
ijtc-591	37	18	make	make	VERB
ijtc-591	37	19	informed	informed	ADJ
ijtc-591	37	20	judgments	judgment	NOUN
ijtc-591	37	21	and	and	CCONJ
ijtc-591	37	22	to	to	PART
ijtc-591	37	23	take	take	VERB
ijtc-591	37	24	effective	effective	ADJ
ijtc-591	37	25	decisions	decision	NOUN
ijtc-591	37	26	regarding	regard	VERB
ijtc-591	37	27	the	the	DET
ijtc-591	37	28	use	use	NOUN
ijtc-591	37	29	and	and	CCONJ
ijtc-591	37	30	management	management	NOUN
ijtc-591	37	31	of	of	ADP
ijtc-591	37	32	money	money	NOUN
ijtc-591	37	33	”	"	PUNCT
ijtc-591	37	34	which	which	PRON
ijtc-591	37	35	means	mean	VERB
ijtc-591	37	36	financial	financial	ADJ
ijtc-591	37	37	literacy	literacy	NOUN
ijtc-591	37	38	is	be	AUX
ijtc-591	37	39	the	the	DET
ijtc-591	37	40	ability	ability	NOUN
ijtc-591	37	41	to	to	PART
ijtc-591	37	42	make	make	VERB
ijtc-591	37	43	informed	informed	ADJ
ijtc-591	37	44	judgments	judgment	NOUN
ijtc-591	37	45	and	and	CCONJ
ijtc-591	37	46	make	make	VERB
ijtc-591	37	47	effective	effective	ADJ
ijtc-591	37	48	decisions	decision	NOUN
ijtc-591	37	49	about	about	ADP
ijtc-591	37	50	the	the	DET
ijtc-591	37	51	use	use	NOUN
ijtc-591	37	52	and	and	CCONJ
ijtc-591	37	53	management	management	NOUN
ijtc-591	37	54	of	of	ADP
ijtc-591	37	55	money	money	NOUN
ijtc-591	37	56	.	.	PUNCT
ijtc-591	38	1	financial	financial	ADJ
ijtc-591	38	2	knowledge	knowledge	NOUN
ijtc-591	38	3	is	be	AUX
ijtc-591	38	4	an	an	DET
ijtc-591	38	5	inseparable	inseparable	ADJ
ijtc-591	38	6	dimension	dimension	NOUN
ijtc-591	38	7	of	of	ADP
ijtc-591	38	8	financial	financial	ADJ
ijtc-591	38	9	literacy	literacy	NOUN
ijtc-591	38	10	,	,	PUNCT
ijtc-591	38	11	but	but	CCONJ
ijtc-591	38	12	it	it	PRON
ijtc-591	38	13	has	have	AUX
ijtc-591	38	14	not	not	PART
ijtc-591	38	15	been	be	AUX
ijtc-591	38	16	able	able	ADJ
ijtc-591	38	17	to	to	PART
ijtc-591	38	18	describe	describe	VERB
ijtc-591	38	19	financial	financial	ADJ
ijtc-591	38	20	literacy	literacy	NOUN
ijtc-591	38	21	(	(	PUNCT
ijtc-591	38	22	huston	huston	PROPN
ijtc-591	38	23	,	,	PUNCT
ijtc-591	38	24	2010	2010	NUM
ijtc-591	38	25	)	)	PUNCT
ijtc-591	38	26	.	.	PUNCT
ijtc-591	39	1	a	a	DET
ijtc-591	39	2	person	person	NOUN
ijtc-591	39	3	is	be	AUX
ijtc-591	39	4	considered	consider	VERB
ijtc-591	39	5	to	to	PART
ijtc-591	39	6	have	have	VERB
ijtc-591	39	7	a	a	DET
ijtc-591	39	8	high	high	ADJ
ijtc-591	39	9	level	level	NOUN
ijtc-591	39	10	of	of	ADP
ijtc-591	39	11	financial	financial	ADJ
ijtc-591	39	12	literacy	literacy	NOUN
ijtc-591	39	13	if	if	SCONJ
ijtc-591	39	14	they	they	PRON
ijtc-591	39	15	possess	possess	VERB
ijtc-591	39	16	the	the	DET
ijtc-591	39	17	knowledge	knowledge	NOUN
ijtc-591	39	18	,	,	PUNCT
ijtc-591	39	19	skills	skill	NOUN
ijtc-591	39	20	,	,	PUNCT
ijtc-591	39	21	and	and	CCONJ
ijtc-591	39	22	abilities	ability	NOUN
ijtc-591	39	23	that	that	PRON
ijtc-591	39	24	allow	allow	VERB
ijtc-591	39	25	them	they	PRON
ijtc-591	39	26	to	to	PART
ijtc-591	39	27	make	make	VERB
ijtc-591	39	28	effective	effective	ADJ
ijtc-591	39	29	use	use	NOUN
ijtc-591	39	30	of	of	ADP
ijtc-591	39	31	the	the	DET
ijtc-591	39	32	financial	financial	ADJ
ijtc-591	39	33	resources	resource	NOUN
ijtc-591	39	34	at	at	ADP
ijtc-591	39	35	their	their	PRON
ijtc-591	39	36	disposal	disposal	NOUN
ijtc-591	39	37	to	to	PART
ijtc-591	39	38	accomplish	accomplish	VERB
ijtc-591	39	39	their	their	PRON
ijtc-591	39	40	objectives	objective	NOUN
ijtc-591	39	41	.	.	PUNCT
ijtc-591	40	1	wrong	wrong	ADJ
ijtc-591	40	2	financial	financial	ADJ
ijtc-591	40	3	planning	planning	NOUN
ijtc-591	40	4	as	as	ADP
ijtc-591	40	5	a	a	DET
ijtc-591	40	6	result	result	NOUN
ijtc-591	40	7	of	of	ADP
ijtc-591	40	8	low	low	ADJ
ijtc-591	40	9	financial	financial	ADJ
ijtc-591	40	10	knowledge	knowledge	NOUN
ijtc-591	40	11	will	will	AUX
ijtc-591	40	12	cause	cause	VERB
ijtc-591	40	13	the	the	DET
ijtc-591	40	14	expected	expect	VERB
ijtc-591	40	15	welfare	welfare	NOUN
ijtc-591	40	16	not	not	PART
ijtc-591	40	17	to	to	PART
ijtc-591	40	18	be	be	AUX
ijtc-591	40	19	achieved	achieve	VERB
ijtc-591	40	20	.	.	PUNCT
ijtc-591	41	1	attitude	attitude	NOUN
ijtc-591	41	2	is	be	AUX
ijtc-591	41	3	an	an	DET
ijtc-591	41	4	essential	essential	ADJ
ijtc-591	41	5	element	element	NOUN
ijtc-591	41	6	in	in	ADP
ijtc-591	41	7	financial	financial	ADJ
ijtc-591	41	8	literacy	literacy	NOUN
ijtc-591	41	9	(	(	PUNCT
ijtc-591	41	10	byrne	byrne	ADJ
ijtc-591	41	11	,	,	PUNCT
ijtc-591	41	12	2007	2007	NUM
ijtc-591	41	13	)	)	PUNCT
ijtc-591	41	14	.	.	PUNCT
ijtc-591	42	1	a	a	DET
ijtc-591	42	2	person	person	NOUN
ijtc-591	42	3	's	's	PART
ijtc-591	42	4	psychosocial	psychosocial	ADJ
ijtc-591	42	5	factors	factor	NOUN
ijtc-591	42	6	in	in	ADP
ijtc-591	42	7	relation	relation	NOUN
ijtc-591	42	8	to	to	ADP
ijtc-591	42	9	their	their	PRON
ijtc-591	42	10	own	own	ADJ
ijtc-591	42	11	personal	personal	ADJ
ijtc-591	42	12	financial	financial	ADJ
ijtc-591	42	13	issues	issue	NOUN
ijtc-591	42	14	are	be	AUX
ijtc-591	42	15	what	what	PRON
ijtc-591	42	16	are	be	AUX
ijtc-591	42	17	referred	refer	VERB
ijtc-591	42	18	to	to	ADP
ijtc-591	42	19	as	as	ADP
ijtc-591	42	20	their	their	PRON
ijtc-591	42	21	"	"	PUNCT
ijtc-591	42	22	financial	financial	ADJ
ijtc-591	42	23	attitude	attitude	NOUN
ijtc-591	42	24	.	.	PUNCT
ijtc-591	42	25	"	"	PUNCT
ijtc-591	43	1	factors	factor	NOUN
ijtc-591	43	2	affecting	affect	VERB
ijtc-591	43	3	student	student	NOUN
ijtc-591	43	4	financial	financial	ADJ
ijtc-591	43	5	literacy	literacy	NOUN
ijtc-591	43	6	triana	triana	NOUN
ijtc-591	43	7	and	and	CCONJ
ijtc-591	43	8	ibrohim	ibrohim	PRON
ijtc-591	43	9	423	423	NUM
ijtc-591	43	10	|	|	CCONJ
ijtc-591	43	11	ilomata	ilomata	NOUN
ijtc-591	43	12	international	international	ADJ
ijtc-591	43	13	journal	journal	NOUN
ijtc-591	43	14	of	of	ADP
ijtc-591	43	15	tax	tax	PROPN
ijtc-591	43	16	&	&	CCONJ
ijtc-591	43	17	accounting	accounting	PROPN
ijtc-591	43	18	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-591	43	19	attitudes	attitude	NOUN
ijtc-591	43	20	regarding	regard	VERB
ijtc-591	43	21	money	money	NOUN
ijtc-591	43	22	include	include	VERB
ijtc-591	43	23	things	thing	NOUN
ijtc-591	43	24	like	like	ADP
ijtc-591	43	25	being	be	AUX
ijtc-591	43	26	open	open	ADJ
ijtc-591	43	27	to	to	ADP
ijtc-591	43	28	new	new	ADJ
ijtc-591	43	29	information	information	NOUN
ijtc-591	43	30	,	,	PUNCT
ijtc-591	43	31	recognizing	recognize	VERB
ijtc-591	43	32	how	how	SCONJ
ijtc-591	43	33	important	important	ADJ
ijtc-591	43	34	it	it	PRON
ijtc-591	43	35	is	be	AUX
ijtc-591	43	36	to	to	PART
ijtc-591	43	37	properly	properly	ADV
ijtc-591	43	38	manage	manage	VERB
ijtc-591	43	39	one	one	NUM
ijtc-591	43	40	's	's	PART
ijtc-591	43	41	finances	finance	NOUN
ijtc-591	43	42	,	,	PUNCT
ijtc-591	43	43	avoiding	avoid	VERB
ijtc-591	43	44	being	be	AUX
ijtc-591	43	45	impulsive	impulsive	ADJ
ijtc-591	43	46	with	with	ADP
ijtc-591	43	47	one	one	PRON
ijtc-591	43	48	's	's	PART
ijtc-591	43	49	spending	spending	NOUN
ijtc-591	43	50	,	,	PUNCT
ijtc-591	43	51	looking	look	VERB
ijtc-591	43	52	to	to	ADP
ijtc-591	43	53	the	the	DET
ijtc-591	43	54	future	future	NOUN
ijtc-591	43	55	,	,	PUNCT
ijtc-591	43	56	and	and	CCONJ
ijtc-591	43	57	taking	take	VERB
ijtc-591	43	58	responsibility	responsibility	NOUN
ijtc-591	43	59	.	.	PUNCT
ijtc-591	44	1	according	accord	VERB
ijtc-591	44	2	to	to	ADP
ijtc-591	44	3	the	the	DET
ijtc-591	44	4	program	program	NOUN
ijtc-591	44	5	for	for	ADP
ijtc-591	44	6	international	international	ADJ
ijtc-591	44	7	student	student	NOUN
ijtc-591	44	8	assessment	assessment	NOUN
ijtc-591	44	9	(	(	PUNCT
ijtc-591	44	10	badan	badan	PROPN
ijtc-591	44	11	standar	standar	PROPN
ijtc-591	44	12	kurikulum	kurikulum	PROPN
ijtc-591	44	13	dan	dan	PROPN
ijtc-591	44	14	asesmen	asesmen	PROPN
ijtc-591	44	15	pendidikan	pendidikan	PROPN
ijtc-591	44	16	,	,	PUNCT
ijtc-591	44	17	2018	2018	NUM
ijtc-591	44	18	)	)	PUNCT
ijtc-591	44	19	in	in	ADP
ijtc-591	44	20	the	the	DET
ijtc-591	44	21	research	research	NOUN
ijtc-591	44	22	and	and	CCONJ
ijtc-591	44	23	development	development	NOUN
ijtc-591	44	24	of	of	ADP
ijtc-591	44	25	the	the	DET
ijtc-591	44	26	ministry	ministry	PROPN
ijtc-591	44	27	of	of	ADP
ijtc-591	44	28	education	education	PROPN
ijtc-591	44	29	and	and	CCONJ
ijtc-591	44	30	culture	culture	NOUN
ijtc-591	44	31	,	,	PUNCT
ijtc-591	44	32	the	the	DET
ijtc-591	44	33	aspects	aspect	NOUN
ijtc-591	44	34	contained	contain	VERB
ijtc-591	44	35	in	in	ADP
ijtc-591	44	36	financial	financial	ADJ
ijtc-591	44	37	literacy	literacy	NOUN
ijtc-591	44	38	are	be	AUX
ijtc-591	44	39	:	:	PUNCT
ijtc-591	44	40	1	1	X
ijtc-591	44	41	.	.	X
ijtc-591	44	42	financial	financial	ADJ
ijtc-591	44	43	and	and	CCONJ
ijtc-591	44	44	exchanges	exchange	NOUN
ijtc-591	44	45	2	2	NUM
ijtc-591	44	46	.	.	PUNCT
ijtc-591	44	47	organization	organization	NOUN
ijtc-591	44	48	and	and	CCONJ
ijtc-591	44	49	management	management	NOUN
ijtc-591	44	50	of	of	ADP
ijtc-591	44	51	financial	financial	ADJ
ijtc-591	44	52	resources	resource	NOUN
ijtc-591	44	53	3	3	NUM
ijtc-591	44	54	.	.	PUNCT
ijtc-591	44	55	risks	risk	NOUN
ijtc-591	44	56	and	and	CCONJ
ijtc-591	44	57	advantages	advantage	NOUN
ijtc-591	44	58	4	4	NUM
ijtc-591	44	59	.	.	PUNCT
ijtc-591	44	60	financial	financial	ADJ
ijtc-591	44	61	landscape	landscape	NOUN
ijtc-591	44	62	.	.	PUNCT
ijtc-591	45	1	the	the	DET
ijtc-591	45	2	ability	ability	NOUN
ijtc-591	45	3	of	of	ADP
ijtc-591	45	4	the	the	DET
ijtc-591	45	5	four	four	NUM
ijtc-591	45	6	aspects	aspect	NOUN
ijtc-591	45	7	of	of	ADP
ijtc-591	45	8	financial	financial	ADJ
ijtc-591	45	9	literacy	literacy	NOUN
ijtc-591	45	10	is	be	AUX
ijtc-591	45	11	certainly	certainly	ADV
ijtc-591	45	12	influenced	influence	VERB
ijtc-591	45	13	by	by	ADP
ijtc-591	45	14	many	many	ADJ
ijtc-591	45	15	things	thing	NOUN
ijtc-591	45	16	(	(	PUNCT
ijtc-591	45	17	lusardi	lusardi	PROPN
ijtc-591	45	18	et	et	PROPN
ijtc-591	45	19	al	al	PROPN
ijtc-591	45	20	.	.	PROPN
ijtc-591	45	21	,	,	PUNCT
ijtc-591	45	22	2009	2009	NUM
ijtc-591	45	23	)	)	PUNCT
ijtc-591	45	24	that	that	SCONJ
ijtc-591	45	25	there	there	PRON
ijtc-591	45	26	are	be	VERB
ijtc-591	45	27	"	"	PUNCT
ijtc-591	45	28	three	three	NUM
ijtc-591	45	29	things	thing	NOUN
ijtc-591	45	30	that	that	PRON
ijtc-591	45	31	have	have	VERB
ijtc-591	45	32	an	an	DET
ijtc-591	45	33	influence	influence	NOUN
ijtc-591	45	34	on	on	ADP
ijtc-591	45	35	financial	financial	ADJ
ijtc-591	45	36	literacy	literacy	NOUN
ijtc-591	45	37	ability	ability	NOUN
ijtc-591	45	38	,	,	PUNCT
ijtc-591	45	39	namely	namely	ADV
ijtc-591	45	40	:	:	PUNCT
ijtc-591	45	41	1	1	X
ijtc-591	45	42	.	.	X
ijtc-591	45	43	socio	socio	NOUN
ijtc-591	45	44	-	-	PUNCT
ijtc-591	45	45	demography	demography	NOUN
ijtc-591	45	46	;	;	PUNCT
ijtc-591	45	47	men	man	NOUN
ijtc-591	45	48	and	and	CCONJ
ijtc-591	45	49	women	woman	NOUN
ijtc-591	45	50	have	have	VERB
ijtc-591	45	51	different	different	ADJ
ijtc-591	45	52	levels	level	NOUN
ijtc-591	45	53	of	of	ADP
ijtc-591	45	54	understanding	understanding	NOUN
ijtc-591	45	55	.	.	PUNCT
ijtc-591	46	1	men	man	NOUN
ijtc-591	46	2	are	be	AUX
ijtc-591	46	3	thought	think	VERB
ijtc-591	46	4	to	to	PART
ijtc-591	46	5	be	be	AUX
ijtc-591	46	6	more	more	ADV
ijtc-591	46	7	financially	financially	ADV
ijtc-591	46	8	literate	literate	ADJ
ijtc-591	46	9	than	than	ADP
ijtc-591	46	10	women	woman	NOUN
ijtc-591	46	11	.	.	PUNCT
ijtc-591	47	1	the	the	DET
ijtc-591	47	2	same	same	ADJ
ijtc-591	47	3	is	be	AUX
ijtc-591	47	4	true	true	ADJ
ijtc-591	47	5	of	of	ADP
ijtc-591	47	6	cognitive	cognitive	ADJ
ijtc-591	47	7	abilities	ability	NOUN
ijtc-591	47	8	.	.	PUNCT
ijtc-591	48	1	2	2	X
ijtc-591	48	2	.	.	X
ijtc-591	48	3	family	family	NOUN
ijtc-591	48	4	background	background	NOUN
ijtc-591	48	5	;	;	PUNCT
ijtc-591	48	6	in	in	ADP
ijtc-591	48	7	particular	particular	ADJ
ijtc-591	48	8	,	,	PUNCT
ijtc-591	48	9	mothers	mother	NOUN
ijtc-591	48	10	who	who	PRON
ijtc-591	48	11	have	have	AUX
ijtc-591	48	12	completed	complete	VERB
ijtc-591	48	13	college	college	NOUN
ijtc-591	48	14	have	have	VERB
ijtc-591	48	15	a	a	DET
ijtc-591	48	16	significant	significant	ADJ
ijtc-591	48	17	impact	impact	NOUN
ijtc-591	48	18	on	on	ADP
ijtc-591	48	19	financial	financial	ADJ
ijtc-591	48	20	literacy	literacy	NOUN
ijtc-591	48	21	due	due	ADP
ijtc-591	48	22	to	to	ADP
ijtc-591	48	23	their	their	PRON
ijtc-591	48	24	education	education	NOUN
ijtc-591	48	25	.	.	PUNCT
ijtc-591	49	1	they	they	PRON
ijtc-591	49	2	perform	perform	VERB
ijtc-591	49	3	19	19	NUM
ijtc-591	49	4	%	%	NOUN
ijtc-591	49	5	better	well	ADV
ijtc-591	49	6	academically	academically	ADV
ijtc-591	49	7	than	than	ADP
ijtc-591	49	8	those	those	PRON
ijtc-591	49	9	who	who	PRON
ijtc-591	49	10	have	have	AUX
ijtc-591	49	11	completed	complete	VERB
ijtc-591	49	12	high	high	ADJ
ijtc-591	49	13	school	school	NOUN
ijtc-591	49	14	.	.	PUNCT
ijtc-591	50	1	3	3	X
ijtc-591	50	2	.	.	X
ijtc-591	50	3	friendship	friendship	NOUN
ijtc-591	50	4	circles	circle	NOUN
ijtc-591	50	5	;	;	PUNCT
ijtc-591	50	6	a	a	DET
ijtc-591	50	7	person	person	NOUN
ijtc-591	50	8	's	's	PART
ijtc-591	50	9	circle	circle	NOUN
ijtc-591	50	10	or	or	CCONJ
ijtc-591	50	11	community	community	NOUN
ijtc-591	50	12	will	will	AUX
ijtc-591	50	13	impact	impact	VERB
ijtc-591	50	14	their	their	PRON
ijtc-591	50	15	financial	financial	ADJ
ijtc-591	50	16	literacy	literacy	NOUN
ijtc-591	50	17	by	by	ADP
ijtc-591	50	18	influencing	influence	VERB
ijtc-591	50	19	their	their	PRON
ijtc-591	50	20	spending	spending	NOUN
ijtc-591	50	21	habits	habit	NOUN
ijtc-591	50	22	and	and	CCONJ
ijtc-591	50	23	how	how	SCONJ
ijtc-591	50	24	they	they	PRON
ijtc-591	50	25	handle	handle	VERB
ijtc-591	50	26	their	their	PRON
ijtc-591	50	27	money	money	NOUN
ijtc-591	50	28	.	.	PUNCT
ijtc-591	51	1	the	the	DET
ijtc-591	51	2	socio	socio	NOUN
ijtc-591	51	3	-	-	PUNCT
ijtc-591	51	4	economic	economic	ADJ
ijtc-591	51	5	status	status	NOUN
ijtc-591	51	6	of	of	ADP
ijtc-591	51	7	parents	parent	NOUN
ijtc-591	51	8	is	be	AUX
ijtc-591	51	9	a	a	DET
ijtc-591	51	10	person	person	NOUN
ijtc-591	51	11	's	's	PART
ijtc-591	51	12	class	class	NOUN
ijtc-591	51	13	position	position	NOUN
ijtc-591	51	14	or	or	CCONJ
ijtc-591	51	15	a	a	DET
ijtc-591	51	16	combination	combination	NOUN
ijtc-591	51	17	of	of	ADP
ijtc-591	51	18	economic	economic	ADJ
ijtc-591	51	19	positions	position	NOUN
ijtc-591	51	20	which	which	PRON
ijtc-591	51	21	includes	include	VERB
ijtc-591	51	22	education	education	NOUN
ijtc-591	51	23	level	level	NOUN
ijtc-591	51	24	,	,	PUNCT
ijtc-591	51	25	type	type	NOUN
ijtc-591	51	26	of	of	ADP
ijtc-591	51	27	parent	parent	NOUN
ijtc-591	51	28	's	's	PART
ijtc-591	51	29	occupation	occupation	NOUN
ijtc-591	51	30	,	,	PUNCT
ijtc-591	51	31	income	income	NOUN
ijtc-591	51	32	level	level	NOUN
ijtc-591	51	33	,	,	PUNCT
ijtc-591	51	34	and	and	CCONJ
ijtc-591	51	35	student	student	NOUN
ijtc-591	51	36	pocket	pocket	NOUN
ijtc-591	51	37	money	money	NOUN
ijtc-591	51	38	(	(	PUNCT
ijtc-591	51	39	laily	laily	ADV
ijtc-591	51	40	,	,	PUNCT
ijtc-591	51	41	2016	2016	NUM
ijtc-591	51	42	)	)	PUNCT
ijtc-591	51	43	.	.	PUNCT
ijtc-591	52	1	through	through	ADP
ijtc-591	52	2	a	a	DET
ijtc-591	52	3	well	well	ADV
ijtc-591	52	4	-	-	PUNCT
ijtc-591	52	5	planned	plan	VERB
ijtc-591	52	6	combination	combination	NOUN
ijtc-591	52	7	of	of	ADP
ijtc-591	52	8	teaching	teaching	NOUN
ijtc-591	52	9	,	,	PUNCT
ijtc-591	52	10	media	medium	NOUN
ijtc-591	52	11	,	,	PUNCT
ijtc-591	52	12	and	and	CCONJ
ijtc-591	52	13	educational	educational	ADJ
ijtc-591	52	14	resources	resource	NOUN
ijtc-591	52	15	in	in	ADP
ijtc-591	52	16	conformity	conformity	NOUN
ijtc-591	52	17	with	with	ADP
ijtc-591	52	18	professionalism	professionalism	NOUN
ijtc-591	52	19	,	,	PUNCT
ijtc-591	52	20	is	be	AUX
ijtc-591	52	21	anticipated	anticipate	VERB
ijtc-591	52	22	to	to	PART
ijtc-591	52	23	be	be	AUX
ijtc-591	52	24	able	able	ADJ
ijtc-591	52	25	to	to	PART
ijtc-591	52	26	equip	equip	VERB
ijtc-591	52	27	students	student	NOUN
ijtc-591	52	28	with	with	ADP
ijtc-591	52	29	financial	financial	ADJ
ijtc-591	52	30	literacy	literacy	NOUN
ijtc-591	52	31	so	so	SCONJ
ijtc-591	52	32	that	that	SCONJ
ijtc-591	52	33	they	they	PRON
ijtc-591	52	34	are	be	AUX
ijtc-591	52	35	prepared	prepared	ADJ
ijtc-591	52	36	and	and	CCONJ
ijtc-591	52	37	capable	capable	ADJ
ijtc-591	52	38	of	of	ADP
ijtc-591	52	39	navigating	navigate	VERB
ijtc-591	52	40	an	an	DET
ijtc-591	52	41	increasingly	increasingly	ADV
ijtc-591	52	42	complex	complex	ADJ
ijtc-591	52	43	world	world	NOUN
ijtc-591	52	44	both	both	CCONJ
ijtc-591	52	45	now	now	ADV
ijtc-591	52	46	and	and	CCONJ
ijtc-591	52	47	in	in	ADP
ijtc-591	52	48	the	the	DET
ijtc-591	52	49	future	future	NOUN
ijtc-591	52	50	(	(	PUNCT
ijtc-591	52	51	widyawati	widyawati	NOUN
ijtc-591	52	52	,	,	PUNCT
ijtc-591	52	53	2012	2012	NUM
ijtc-591	52	54	)	)	PUNCT
ijtc-591	52	55	.	.	PUNCT
ijtc-591	53	1	the	the	DET
ijtc-591	53	2	indicators	indicator	NOUN
ijtc-591	53	3	are	be	AUX
ijtc-591	53	4	:	:	PUNCT
ijtc-591	53	5	1	1	X
ijtc-591	53	6	.	.	X
ijtc-591	53	7	understanding	understanding	NOUN
ijtc-591	53	8	of	of	ADP
ijtc-591	53	9	material	material	NOUN
ijtc-591	53	10	in	in	ADP
ijtc-591	53	11	finance	finance	NOUN
ijtc-591	53	12	courses	course	NOUN
ijtc-591	53	13	2	2	NUM
ijtc-591	53	14	.	.	PUNCT
ijtc-591	53	15	methods	method	NOUN
ijtc-591	53	16	and	and	CCONJ
ijtc-591	53	17	media	medium	NOUN
ijtc-591	53	18	used	use	VERB
ijtc-591	53	19	3	3	NUM
ijtc-591	53	20	.	.	PUNCT
ijtc-591	54	1	learning	learn	VERB
ijtc-591	54	2	process	process	NOUN
ijtc-591	54	3	and	and	CCONJ
ijtc-591	54	4	assessment	assessment	NOUN
ijtc-591	54	5	.	.	PUNCT
ijtc-591	55	1	financial	financial	ADJ
ijtc-591	55	2	education	education	NOUN
ijtc-591	55	3	in	in	ADP
ijtc-591	55	4	the	the	DET
ijtc-591	55	5	family	family	NOUN
ijtc-591	55	6	is	be	AUX
ijtc-591	55	7	an	an	DET
ijtc-591	55	8	ability	ability	NOUN
ijtc-591	55	9	a	a	DET
ijtc-591	55	10	person	person	NOUN
ijtc-591	55	11	or	or	CCONJ
ijtc-591	55	12	family	family	NOUN
ijtc-591	55	13	in	in	ADP
ijtc-591	55	14	budgeting	budgeting	NOUN
ijtc-591	55	15	,	,	PUNCT
ijtc-591	55	16	saving	save	VERB
ijtc-591	55	17	money	money	NOUN
ijtc-591	55	18	,	,	PUNCT
ijtc-591	55	19	managing	manage	VERB
ijtc-591	55	20	expenses	expense	NOUN
ijtc-591	55	21	,	,	PUNCT
ijtc-591	55	22	making	make	VERB
ijtc-591	55	23	investments	investment	NOUN
ijtc-591	55	24	,	,	PUNCT
ijtc-591	55	25	and	and	CCONJ
ijtc-591	55	26	saving	save	VERB
ijtc-591	55	27	for	for	ADP
ijtc-591	55	28	future	future	ADJ
ijtc-591	55	29	family	family	NOUN
ijtc-591	55	30	needs	need	NOUN
ijtc-591	55	31	.	.	PUNCT
ijtc-591	56	1	there	there	PRON
ijtc-591	56	2	are	be	VERB
ijtc-591	56	3	5	5	NUM
ijtc-591	56	4	aspects	aspect	NOUN
ijtc-591	56	5	in	in	ADP
ijtc-591	56	6	financial	financial	ADJ
ijtc-591	56	7	literacy	literacy	NOUN
ijtc-591	56	8	(	(	PUNCT
ijtc-591	56	9	nababan	nababan	PROPN
ijtc-591	56	10	&	&	CCONJ
ijtc-591	56	11	sadalia	sadalia	PROPN
ijtc-591	56	12	,	,	PUNCT
ijtc-591	56	13	2013	2013	NUM
ijtc-591	56	14	)	)	PUNCT
ijtc-591	56	15	,	,	PUNCT
ijtc-591	56	16	including	include	VERB
ijtc-591	56	17	:	:	PUNCT
ijtc-591	56	18	1	1	X
ijtc-591	56	19	.	.	PUNCT
ijtc-591	56	20	general	general	ADJ
ijtc-591	56	21	knowledge	knowledge	NOUN
ijtc-591	56	22	of	of	ADP
ijtc-591	56	23	finance	finance	NOUN
ijtc-591	56	24	2	2	NUM
ijtc-591	56	25	.	.	PUNCT
ijtc-591	56	26	savings	saving	NOUN
ijtc-591	56	27	and	and	CCONJ
ijtc-591	56	28	loans	loan	NOUN
ijtc-591	56	29	3	3	NUM
ijtc-591	56	30	.	.	PUNCT
ijtc-591	56	31	insurance	insurance	NOUN
ijtc-591	56	32	4	4	NUM
ijtc-591	56	33	.	.	PUNCT
ijtc-591	56	34	investment	investment	NOUN
ijtc-591	56	35	5	5	NUM
ijtc-591	56	36	.	.	PUNCT
ijtc-591	56	37	risk	risk	NOUN
ijtc-591	56	38	management	management	NOUN
ijtc-591	56	39	.	.	PUNCT
ijtc-591	57	1	the	the	DET
ijtc-591	57	2	financial	financial	ADJ
ijtc-591	57	3	habits	habit	NOUN
ijtc-591	57	4	of	of	ADP
ijtc-591	57	5	college	college	NOUN
ijtc-591	57	6	students	student	NOUN
ijtc-591	57	7	tend	tend	VERB
ijtc-591	57	8	to	to	PART
ijtc-591	57	9	continue	continue	VERB
ijtc-591	57	10	in	in	ADP
ijtc-591	57	11	their	their	PRON
ijtc-591	57	12	adult	adult	NOUN
ijtc-591	57	13	lives	life	NOUN
ijtc-591	57	14	.	.	PUNCT
ijtc-591	58	1	according	accord	VERB
ijtc-591	58	2	to	to	ADP
ijtc-591	58	3	grable	grable	NOUN
ijtc-591	58	4	and	and	CCONJ
ijtc-591	58	5	joo	joo	NOUN
ijtc-591	58	6	in	in	ADP
ijtc-591	58	7	(	(	PUNCT
ijtc-591	58	8	jorgensen	jorgensen	PROPN
ijtc-591	58	9	,	,	PUNCT
ijtc-591	58	10	2007	2007	NUM
ijtc-591	58	11	)	)	PUNCT
ijtc-591	58	12	the	the	DET
ijtc-591	58	13	better	well	ADJ
ijtc-591	58	14	financial	financial	ADJ
ijtc-591	58	15	literacy	literacy	NOUN
ijtc-591	58	16	when	when	SCONJ
ijtc-591	58	17	you	you	PRON
ijtc-591	58	18	are	be	AUX
ijtc-591	58	19	a	a	DET
ijtc-591	58	20	student	student	NOUN
ijtc-591	58	21	,	,	PUNCT
ijtc-591	58	22	the	the	PRON
ijtc-591	58	23	less	less	ADV
ijtc-591	58	24	likely	likely	ADJ
ijtc-591	58	25	you	you	PRON
ijtc-591	58	26	are	be	AUX
ijtc-591	58	27	to	to	PART
ijtc-591	58	28	experience	experience	VERB
ijtc-591	58	29	financial	financial	ADJ
ijtc-591	58	30	difficulties	difficulty	NOUN
ijtc-591	58	31	in	in	ADP
ijtc-591	58	32	your	your	PRON
ijtc-591	58	33	life	life	NOUN
ijtc-591	58	34	.	.	PUNCT
ijtc-591	59	1	research	research	NOUN
ijtc-591	59	2	conducted	conduct	VERB
ijtc-591	59	3	by	by	ADP
ijtc-591	59	4	(	(	PUNCT
ijtc-591	59	5	gade	gade	PROPN
ijtc-591	59	6	&	&	CCONJ
ijtc-591	59	7	sarma	sarma	PROPN
ijtc-591	59	8	,	,	PUNCT
ijtc-591	59	9	2018	2018	NUM
ijtc-591	59	10	)	)	PUNCT
ijtc-591	59	11	states	state	VERB
ijtc-591	59	12	that	that	SCONJ
ijtc-591	59	13	someone	someone	PRON
ijtc-591	59	14	who	who	PRON
ijtc-591	59	15	has	have	VERB
ijtc-591	59	16	high	high	ADJ
ijtc-591	59	17	financial	financial	ADJ
ijtc-591	59	18	literacy	literacy	NOUN
ijtc-591	59	19	tends	tend	VERB
ijtc-591	59	20	to	to	PART
ijtc-591	59	21	have	have	VERB
ijtc-591	59	22	an	an	DET
ijtc-591	59	23	influence	influence	NOUN
ijtc-591	59	24	on	on	ADP
ijtc-591	59	25	one	one	NUM
ijtc-591	59	26	's	's	PART
ijtc-591	59	27	factors	factor	NOUN
ijtc-591	59	28	affecting	affect	VERB
ijtc-591	59	29	student	student	NOUN
ijtc-591	59	30	financial	financial	ADJ
ijtc-591	59	31	literacy	literacy	NOUN
ijtc-591	59	32	triana	triana	NOUN
ijtc-591	59	33	and	and	CCONJ
ijtc-591	59	34	ibrohim	ibrohim	PRON
ijtc-591	59	35	424	424	NUM
ijtc-591	59	36	|	|	ADV
ijtc-591	59	37	ilomata	ilomata	PROPN
ijtc-591	59	38	international	international	ADJ
ijtc-591	59	39	journal	journal	NOUN
ijtc-591	59	40	of	of	ADP
ijtc-591	59	41	tax	tax	PROPN
ijtc-591	59	42	&	&	CCONJ
ijtc-591	59	43	accounting	account	VERB
ijtc-591	59	44	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-591	59	45	financial	financial	ADJ
ijtc-591	59	46	behavior	behavior	NOUN
ijtc-591	59	47	.	.	PUNCT
ijtc-591	60	1	this	this	DET
ijtc-591	60	2	study	study	NOUN
ijtc-591	60	3	shows	show	VERB
ijtc-591	60	4	that	that	SCONJ
ijtc-591	60	5	the	the	DET
ijtc-591	60	6	level	level	NOUN
ijtc-591	60	7	of	of	ADP
ijtc-591	60	8	literacy	literacy	NOUN
ijtc-591	60	9	will	will	AUX
ijtc-591	60	10	affect	affect	VERB
ijtc-591	60	11	how	how	SCONJ
ijtc-591	60	12	a	a	DET
ijtc-591	60	13	student	student	NOUN
ijtc-591	60	14	behaves	behave	VERB
ijtc-591	60	15	towards	towards	ADP
ijtc-591	60	16	the	the	DET
ijtc-591	60	17	decisions	decision	NOUN
ijtc-591	60	18	that	that	PRON
ijtc-591	60	19	someone	someone	PRON
ijtc-591	60	20	makes	make	VERB
ijtc-591	60	21	.	.	PUNCT
ijtc-591	61	1	various	various	ADJ
ijtc-591	61	2	studies	study	NOUN
ijtc-591	61	3	have	have	AUX
ijtc-591	61	4	been	be	AUX
ijtc-591	61	5	conducted	conduct	VERB
ijtc-591	61	6	to	to	PART
ijtc-591	61	7	identify	identify	VERB
ijtc-591	61	8	the	the	DET
ijtc-591	61	9	factors	factor	NOUN
ijtc-591	61	10	that	that	PRON
ijtc-591	61	11	influence	influence	VERB
ijtc-591	61	12	the	the	DET
ijtc-591	61	13	level	level	NOUN
ijtc-591	61	14	of	of	ADP
ijtc-591	61	15	financial	financial	ADJ
ijtc-591	61	16	literacy	literacy	NOUN
ijtc-591	61	17	among	among	ADP
ijtc-591	61	18	students	student	NOUN
ijtc-591	61	19	,	,	PUNCT
ijtc-591	61	20	including	include	VERB
ijtc-591	61	21	:	:	PUNCT
ijtc-591	61	22	education	education	NOUN
ijtc-591	61	23	level	level	NOUN
ijtc-591	61	24	,	,	PUNCT
ijtc-591	61	25	type	type	NOUN
ijtc-591	61	26	of	of	ADP
ijtc-591	61	27	work	work	NOUN
ijtc-591	61	28	,	,	PUNCT
ijtc-591	61	29	education	education	NOUN
ijtc-591	61	30	level	level	NOUN
ijtc-591	61	31	,	,	PUNCT
ijtc-591	61	32	student	student	NOUN
ijtc-591	61	33	monthly	monthly	ADJ
ijtc-591	61	34	allowance	allowance	NOUN
ijtc-591	61	35	(	(	PUNCT
ijtc-591	61	36	nidar	nidar	NOUN
ijtc-591	61	37	&	&	CCONJ
ijtc-591	61	38	bestari	bestari	PROPN
ijtc-591	61	39	,	,	PUNCT
ijtc-591	61	40	2012	2012	NUM
ijtc-591	61	41	)	)	PUNCT
ijtc-591	61	42	.	.	PUNCT
ijtc-591	62	1	understanding	understanding	NOUN
ijtc-591	62	2	of	of	ADP
ijtc-591	62	3	material	material	NOUN
ijtc-591	62	4	in	in	ADP
ijtc-591	62	5	finance	finance	NOUN
ijtc-591	62	6	courses	course	NOUN
ijtc-591	62	7	,	,	PUNCT
ijtc-591	62	8	methods	method	NOUN
ijtc-591	62	9	and	and	CCONJ
ijtc-591	62	10	media	medium	NOUN
ijtc-591	62	11	used	use	VERB
ijtc-591	62	12	,	,	PUNCT
ijtc-591	62	13	learning	learn	VERB
ijtc-591	62	14	processes	process	NOUN
ijtc-591	62	15	and	and	CCONJ
ijtc-591	62	16	assessments	assessment	NOUN
ijtc-591	62	17	.	.	PUNCT
ijtc-591	63	1	in	in	ADP
ijtc-591	63	2	contrast	contrast	NOUN
ijtc-591	63	3	to	to	ADP
ijtc-591	63	4	(	(	PUNCT
ijtc-591	63	5	luksander	luksander	NOUN
ijtc-591	63	6	et	et	PROPN
ijtc-591	63	7	al	al	PROPN
ijtc-591	63	8	.	.	PROPN
ijtc-591	63	9	,	,	PUNCT
ijtc-591	63	10	2014	2014	NUM
ijtc-591	63	11	)	)	PUNCT
ijtc-591	63	12	who	who	PRON
ijtc-591	63	13	stated	state	VERB
ijtc-591	63	14	that	that	SCONJ
ijtc-591	63	15	the	the	DET
ijtc-591	63	16	factors	factor	NOUN
ijtc-591	63	17	that	that	PRON
ijtc-591	63	18	affect	affect	VERB
ijtc-591	63	19	student	student	NOUN
ijtc-591	63	20	literacy	literacy	NOUN
ijtc-591	63	21	are	be	AUX
ijtc-591	63	22	budgeting	budget	VERB
ijtc-591	63	23	,	,	PUNCT
ijtc-591	63	24	saving	save	VERB
ijtc-591	63	25	money	money	NOUN
ijtc-591	63	26	,	,	PUNCT
ijtc-591	63	27	managing	manage	VERB
ijtc-591	63	28	expenses	expense	NOUN
ijtc-591	63	29	,	,	PUNCT
ijtc-591	63	30	making	make	VERB
ijtc-591	63	31	investments	investment	NOUN
ijtc-591	63	32	,	,	PUNCT
ijtc-591	63	33	and	and	CCONJ
ijtc-591	63	34	saving	saving	NOUN
ijtc-591	63	35	.	.	PUNCT
ijtc-591	64	1	furthermore	furthermore	ADV
ijtc-591	64	2	,	,	PUNCT
ijtc-591	64	3	(	(	PUNCT
ijtc-591	64	4	nababan	nababan	PROPN
ijtc-591	64	5	&	&	CCONJ
ijtc-591	64	6	sadalia	sadalia	PROPN
ijtc-591	64	7	,	,	PUNCT
ijtc-591	64	8	2013	2013	NUM
ijtc-591	64	9	)	)	PUNCT
ijtc-591	64	10	in	in	ADP
ijtc-591	64	11	his	his	PRON
ijtc-591	64	12	research	research	NOUN
ijtc-591	64	13	stated	state	VERB
ijtc-591	64	14	that	that	SCONJ
ijtc-591	64	15	the	the	DET
ijtc-591	64	16	factors	factor	NOUN
ijtc-591	64	17	that	that	PRON
ijtc-591	64	18	influence	influence	NOUN
ijtc-591	64	19	student	student	NOUN
ijtc-591	64	20	literacy	literacy	NOUN
ijtc-591	64	21	are	be	AUX
ijtc-591	64	22	general	general	ADJ
ijtc-591	64	23	knowledge	knowledge	NOUN
ijtc-591	64	24	of	of	ADP
ijtc-591	64	25	finance	finance	NOUN
ijtc-591	64	26	,	,	PUNCT
ijtc-591	64	27	savings	saving	NOUN
ijtc-591	64	28	and	and	CCONJ
ijtc-591	64	29	loans	loan	NOUN
ijtc-591	64	30	,	,	PUNCT
ijtc-591	64	31	insurance	insurance	NOUN
ijtc-591	64	32	,	,	PUNCT
ijtc-591	64	33	investment	investment	NOUN
ijtc-591	64	34	,	,	PUNCT
ijtc-591	64	35	risk	risk	NOUN
ijtc-591	64	36	management	management	NOUN
ijtc-591	64	37	.	.	PUNCT
ijtc-591	65	1	through	through	ADP
ijtc-591	65	2	family	family	NOUN
ijtc-591	65	3	education	education	NOUN
ijtc-591	65	4	,	,	PUNCT
ijtc-591	65	5	in	in	ADP
ijtc-591	65	6	simple	simple	ADJ
ijtc-591	65	7	ways	way	NOUN
ijtc-591	65	8	children	child	NOUN
ijtc-591	65	9	are	be	AUX
ijtc-591	65	10	brought	bring	VERB
ijtc-591	65	11	to	to	ADP
ijtc-591	65	12	a	a	DET
ijtc-591	65	13	desired	desire	VERB
ijtc-591	65	14	value	value	NOUN
ijtc-591	65	15	system	system	NOUN
ijtc-591	65	16	or	or	CCONJ
ijtc-591	65	17	life	life	NOUN
ijtc-591	65	18	attitude	attitude	NOUN
ijtc-591	65	19	and	and	CCONJ
ijtc-591	65	20	accompanied	accompany	VERB
ijtc-591	65	21	by	by	ADP
ijtc-591	65	22	parental	parental	ADJ
ijtc-591	65	23	examples	example	NOUN
ijtc-591	65	24	which	which	PRON
ijtc-591	65	25	have	have	AUX
ijtc-591	65	26	indirectly	indirectly	ADV
ijtc-591	65	27	led	lead	VERB
ijtc-591	65	28	children	child	NOUN
ijtc-591	65	29	to	to	ADP
ijtc-591	65	30	certain	certain	ADJ
ijtc-591	65	31	views	view	NOUN
ijtc-591	65	32	and	and	CCONJ
ijtc-591	65	33	habits	habit	NOUN
ijtc-591	65	34	(	(	PUNCT
ijtc-591	65	35	gutter	gutter	NOUN
ijtc-591	65	36	,	,	PUNCT
ijtc-591	65	37	2008	2008	NUM
ijtc-591	65	38	)	)	PUNCT
ijtc-591	65	39	.	.	PUNCT
ijtc-591	66	1	students	student	NOUN
ijtc-591	66	2	who	who	PRON
ijtc-591	66	3	reported	report	VERB
ijtc-591	66	4	they	they	PRON
ijtc-591	66	5	learned	learn	VERB
ijtc-591	66	6	either	either	CCONJ
ijtc-591	66	7	some	some	PRON
ijtc-591	66	8	or	or	CCONJ
ijtc-591	66	9	a	a	DET
ijtc-591	66	10	lot	lot	NOUN
ijtc-591	66	11	about	about	ADP
ijtc-591	66	12	managing	manage	VERB
ijtc-591	66	13	their	their	PRON
ijtc-591	66	14	money	money	NOUN
ijtc-591	66	15	from	from	ADP
ijtc-591	66	16	parents	parent	NOUN
ijtc-591	66	17	had	have	VERB
ijtc-591	66	18	higher	high	ADJ
ijtc-591	66	19	financial	financial	ADJ
ijtc-591	66	20	knowledge	knowledge	NOUN
ijtc-591	66	21	,	,	PUNCT
ijtc-591	66	22	attitude	attitude	NOUN
ijtc-591	66	23	,	,	PUNCT
ijtc-591	66	24	and	and	CCONJ
ijtc-591	66	25	behavior	behavior	NOUN
ijtc-591	66	26	scores	score	NOUN
ijtc-591	66	27	than	than	ADP
ijtc-591	66	28	students	student	NOUN
ijtc-591	66	29	who	who	PRON
ijtc-591	66	30	reported	report	VERB
ijtc-591	66	31	learning	learn	VERB
ijtc-591	66	32	none	none	NOUN
ijtc-591	66	33	or	or	CCONJ
ijtc-591	66	34	not	not	PART
ijtc-591	66	35	much	much	ADJ
ijtc-591	66	36	about	about	ADP
ijtc-591	66	37	managing	manage	VERB
ijtc-591	66	38	their	their	PRON
ijtc-591	66	39	money	money	NOUN
ijtc-591	66	40	from	from	ADP
ijtc-591	66	41	their	their	PRON
ijtc-591	66	42	parents	parent	NOUN
ijtc-591	66	43	(	(	PUNCT
ijtc-591	66	44	jorgensen	jorgensen	PROPN
ijtc-591	66	45	,	,	PUNCT
ijtc-591	66	46	2007	2007	NUM
ijtc-591	66	47	)	)	PUNCT
ijtc-591	66	48	.	.	PUNCT
ijtc-591	67	1	students	student	NOUN
ijtc-591	67	2	live	live	VERB
ijtc-591	67	3	in	in	ADP
ijtc-591	67	4	a	a	DET
ijtc-591	67	5	diverse	diverse	ADJ
ijtc-591	67	6	and	and	CCONJ
ijtc-591	67	7	complex	complex	ADJ
ijtc-591	67	8	economic	economic	ADJ
ijtc-591	67	9	environment	environment	NOUN
ijtc-591	67	10	,	,	PUNCT
ijtc-591	67	11	so	so	ADV
ijtc-591	67	12	an	an	DET
ijtc-591	67	13	increased	increase	VERB
ijtc-591	67	14	need	need	NOUN
ijtc-591	67	15	for	for	ADP
ijtc-591	67	16	financial	financial	ADJ
ijtc-591	67	17	education	education	NOUN
ijtc-591	67	18	is	be	AUX
ijtc-591	67	19	necessary	necessary	ADJ
ijtc-591	67	20	.	.	PUNCT
ijtc-591	68	1	several	several	ADJ
ijtc-591	68	2	countries	country	NOUN
ijtc-591	68	3	have	have	AUX
ijtc-591	68	4	recognized	recognize	VERB
ijtc-591	68	5	the	the	DET
ijtc-591	68	6	need	need	NOUN
ijtc-591	68	7	for	for	SCONJ
ijtc-591	68	8	financial	financial	ADJ
ijtc-591	68	9	literacy	literacy	NOUN
ijtc-591	68	10	to	to	PART
ijtc-591	68	11	be	be	AUX
ijtc-591	68	12	taught	teach	VERB
ijtc-591	68	13	in	in	ADP
ijtc-591	68	14	the	the	DET
ijtc-591	68	15	classroom	classroom	NOUN
ijtc-591	68	16	(	(	PUNCT
ijtc-591	68	17	international	international	ADJ
ijtc-591	68	18	network	network	NOUN
ijtc-591	68	19	on	on	ADP
ijtc-591	68	20	financial	financial	ADJ
ijtc-591	68	21	education	education	NOUN
ijtc-591	68	22	,	,	PUNCT
ijtc-591	68	23	2011	2011	NUM
ijtc-591	68	24	)	)	PUNCT
ijtc-591	68	25	.	.	PUNCT
ijtc-591	69	1	financial	financial	ADJ
ijtc-591	69	2	education	education	NOUN
ijtc-591	69	3	has	have	VERB
ijtc-591	69	4	a	a	DET
ijtc-591	69	5	significant	significant	ADJ
ijtc-591	69	6	positive	positive	ADJ
ijtc-591	69	7	effect	effect	NOUN
ijtc-591	69	8	on	on	ADP
ijtc-591	69	9	financial	financial	ADJ
ijtc-591	69	10	knowledge	knowledge	NOUN
ijtc-591	69	11	,	,	PUNCT
ijtc-591	69	12	attitudes	attitude	NOUN
ijtc-591	69	13	and	and	CCONJ
ijtc-591	69	14	behavior	behavior	NOUN
ijtc-591	69	15	.	.	PUNCT
ijtc-591	70	1	it	it	PRON
ijtc-591	70	2	is	be	AUX
ijtc-591	70	3	strengthened	strengthen	VERB
ijtc-591	70	4	by	by	ADP
ijtc-591	70	5	research	research	NOUN
ijtc-591	70	6	by	by	ADP
ijtc-591	70	7	(	(	PUNCT
ijtc-591	70	8	siregar	siregar	NOUN
ijtc-591	70	9	,	,	PUNCT
ijtc-591	70	10	2018	2018	NUM
ijtc-591	70	11	)	)	PUNCT
ijtc-591	70	12	which	which	PRON
ijtc-591	70	13	states	state	VERB
ijtc-591	70	14	that	that	SCONJ
ijtc-591	70	15	financial	financial	ADJ
ijtc-591	70	16	management	management	NOUN
ijtc-591	70	17	education	education	NOUN
ijtc-591	70	18	has	have	VERB
ijtc-591	70	19	a	a	DET
ijtc-591	70	20	significant	significant	ADJ
ijtc-591	70	21	effect	effect	NOUN
ijtc-591	70	22	on	on	ADP
ijtc-591	70	23	financial	financial	ADJ
ijtc-591	70	24	literacy	literacy	NOUN
ijtc-591	70	25	.	.	PUNCT
ijtc-591	71	1	method	method	NOUN
ijtc-591	71	2	this	this	DET
ijtc-591	71	3	study	study	NOUN
ijtc-591	71	4	uses	use	VERB
ijtc-591	71	5	a	a	DET
ijtc-591	71	6	non	non	ADJ
ijtc-591	71	7	-	-	ADJ
ijtc-591	71	8	probability	probability	ADJ
ijtc-591	71	9	sampling	sampling	NOUN
ijtc-591	71	10	method	method	NOUN
ijtc-591	71	11	.	.	PUNCT
ijtc-591	72	1	non	non	ADJ
ijtc-591	72	2	-	-	ADJ
ijtc-591	72	3	probability	probability	ADJ
ijtc-591	72	4	sampling	sampling	NOUN
ijtc-591	72	5	is	be	AUX
ijtc-591	72	6	a	a	DET
ijtc-591	72	7	type	type	NOUN
ijtc-591	72	8	of	of	ADP
ijtc-591	72	9	sampling	sampling	NOUN
ijtc-591	72	10	that	that	PRON
ijtc-591	72	11	is	be	AUX
ijtc-591	72	12	not	not	PART
ijtc-591	72	13	done	do	VERB
ijtc-591	72	14	randomly	randomly	ADV
ijtc-591	72	15	.	.	PUNCT
ijtc-591	73	1	this	this	DET
ijtc-591	73	2	technique	technique	NOUN
ijtc-591	73	3	was	be	AUX
ijtc-591	73	4	used	use	VERB
ijtc-591	73	5	because	because	SCONJ
ijtc-591	73	6	the	the	DET
ijtc-591	73	7	researcher	researcher	NOUN
ijtc-591	73	8	did	do	AUX
ijtc-591	73	9	not	not	PART
ijtc-591	73	10	know	know	VERB
ijtc-591	73	11	the	the	DET
ijtc-591	73	12	research	research	NOUN
ijtc-591	73	13	population	population	NOUN
ijtc-591	73	14	in	in	ADP
ijtc-591	73	15	detail	detail	NOUN
ijtc-591	73	16	.	.	PUNCT
ijtc-591	74	1	this	this	DET
ijtc-591	74	2	sampling	sampling	NOUN
ijtc-591	74	3	method	method	NOUN
ijtc-591	74	4	uses	use	VERB
ijtc-591	74	5	convenience	convenience	NOUN
ijtc-591	74	6	sampling	sample	VERB
ijtc-591	74	7	technique	technique	NOUN
ijtc-591	74	8	.	.	PUNCT
ijtc-591	75	1	the	the	DET
ijtc-591	75	2	use	use	NOUN
ijtc-591	75	3	of	of	ADP
ijtc-591	75	4	convenience	convenience	NOUN
ijtc-591	75	5	sampling	sampling	NOUN
ijtc-591	75	6	is	be	AUX
ijtc-591	75	7	to	to	PART
ijtc-591	75	8	select	select	VERB
ijtc-591	75	9	several	several	ADJ
ijtc-591	75	10	populations	population	NOUN
ijtc-591	75	11	from	from	ADP
ijtc-591	75	12	the	the	DET
ijtc-591	75	13	factors	factor	NOUN
ijtc-591	75	14	that	that	PRON
ijtc-591	75	15	influence	influence	VERB
ijtc-591	75	16	the	the	DET
ijtc-591	75	17	level	level	NOUN
ijtc-591	75	18	of	of	ADP
ijtc-591	75	19	financial	financial	ADJ
ijtc-591	75	20	literacy	literacy	NOUN
ijtc-591	75	21	of	of	ADP
ijtc-591	75	22	private	private	ADJ
ijtc-591	75	23	university	university	NOUN
ijtc-591	75	24	students	student	NOUN
ijtc-591	75	25	in	in	ADP
ijtc-591	75	26	serang	serang	PROPN
ijtc-591	75	27	city	city	PROPN
ijtc-591	75	28	with	with	ADP
ijtc-591	75	29	the	the	DET
ijtc-591	75	30	availability	availability	NOUN
ijtc-591	75	31	of	of	ADP
ijtc-591	75	32	respondents	respondent	NOUN
ijtc-591	75	33	to	to	PART
ijtc-591	75	34	be	be	AUX
ijtc-591	75	35	used	use	VERB
ijtc-591	75	36	as	as	ADP
ijtc-591	75	37	samples	sample	NOUN
ijtc-591	75	38	by	by	ADP
ijtc-591	75	39	providing	provide	VERB
ijtc-591	75	40	the	the	DET
ijtc-591	75	41	information	information	NOUN
ijtc-591	75	42	needed	need	VERB
ijtc-591	75	43	in	in	ADP
ijtc-591	75	44	the	the	DET
ijtc-591	75	45	study	study	NOUN
ijtc-591	75	46	(	(	PUNCT
ijtc-591	75	47	sugiarto	sugiarto	PROPN
ijtc-591	75	48	,	,	PUNCT
ijtc-591	75	49	2017	2017	NUM
ijtc-591	75	50	)	)	PUNCT
ijtc-591	75	51	.	.	PUNCT
ijtc-591	76	1	the	the	DET
ijtc-591	76	2	sample	sample	NOUN
ijtc-591	76	3	number	number	NOUN
ijtc-591	76	4	used	use	VERB
ijtc-591	76	5	is	be	AUX
ijtc-591	76	6	150	150	NUM
ijtc-591	76	7	respondents	respondent	NOUN
ijtc-591	76	8	.	.	PUNCT
ijtc-591	77	1	the	the	DET
ijtc-591	77	2	sampling	sample	VERB
ijtc-591	77	3	technique	technique	NOUN
ijtc-591	77	4	in	in	ADP
ijtc-591	77	5	this	this	DET
ijtc-591	77	6	study	study	NOUN
ijtc-591	77	7	was	be	AUX
ijtc-591	77	8	by	by	ADP
ijtc-591	77	9	distributing	distribute	VERB
ijtc-591	77	10	questionnaires	questionnaire	NOUN
ijtc-591	77	11	and	and	CCONJ
ijtc-591	77	12	interviews	interview	NOUN
ijtc-591	77	13	to	to	ADP
ijtc-591	77	14	150	150	NUM
ijtc-591	77	15	students	student	NOUN
ijtc-591	77	16	at	at	ADP
ijtc-591	77	17	private	private	ADJ
ijtc-591	77	18	universities	university	NOUN
ijtc-591	77	19	in	in	ADP
ijtc-591	77	20	serang	serang	PROPN
ijtc-591	77	21	city	city	PROPN
ijtc-591	77	22	.	.	PUNCT
ijtc-591	78	1	the	the	DET
ijtc-591	78	2	determination	determination	NOUN
ijtc-591	78	3	of	of	ADP
ijtc-591	78	4	the	the	DET
ijtc-591	78	5	number	number	NOUN
ijtc-591	78	6	of	of	ADP
ijtc-591	78	7	respondents	respondent	NOUN
ijtc-591	78	8	is	be	AUX
ijtc-591	78	9	divided	divide	VERB
ijtc-591	78	10	based	base	VERB
ijtc-591	78	11	on	on	ADP
ijtc-591	78	12	the	the	DET
ijtc-591	78	13	division	division	NOUN
ijtc-591	78	14	of	of	ADP
ijtc-591	78	15	universities	university	NOUN
ijtc-591	78	16	by	by	ADP
ijtc-591	78	17	looking	look	VERB
ijtc-591	78	18	at	at	ADP
ijtc-591	78	19	the	the	DET
ijtc-591	78	20	number	number	NOUN
ijtc-591	78	21	of	of	ADP
ijtc-591	78	22	students	student	NOUN
ijtc-591	78	23	of	of	ADP
ijtc-591	78	24	each	each	DET
ijtc-591	78	25	university	university	NOUN
ijtc-591	78	26	in	in	ADP
ijtc-591	78	27	table	table	NOUN
ijtc-591	78	28	2	2	NUM
ijtc-591	78	29	.	.	PUNCT
ijtc-591	78	30	table	table	NOUN
ijtc-591	78	31	2	2	NUM
ijtc-591	78	32	number	number	NOUN
ijtc-591	78	33	of	of	ADP
ijtc-591	78	34	samples	sample	NOUN
ijtc-591	78	35	by	by	ADP
ijtc-591	78	36	university	university	NOUN
ijtc-591	78	37	university	university	PROPN
ijtc-591	78	38	jumlah	jumlah	PROPN
ijtc-591	78	39	mahasiswa	mahasiswa	PROPN
ijtc-591	78	40	bina	bina	PROPN
ijtc-591	78	41	bangsa	bangsa	PROPN
ijtc-591	78	42	university	university	PROPN
ijtc-591	78	43	8864	8864	PROPN
ijtc-591	78	44	serang	serang	PROPN
ijtc-591	78	45	raya	raya	PROPN
ijtc-591	78	46	university	university	PROPN
ijtc-591	78	47	8856	8856	NUM
ijtc-591	78	48	banten	banten	PROPN
ijtc-591	78	49	jaya	jaya	PROPN
ijtc-591	78	50	university	university	PROPN
ijtc-591	78	51	3224	3224	NUM
ijtc-591	78	52	primagraha	primagraha	NOUN
ijtc-591	78	53	university	university	NOUN
ijtc-591	78	54	4292	4292	NUM
ijtc-591	78	55	faletehan	faletehan	PROPN
ijtc-591	78	56	university	university	NOUN
ijtc-591	78	57	2971	2971	NUM
ijtc-591	78	58	total	total	ADJ
ijtc-591	78	59	28207	28207	NUM
ijtc-591	78	60	source	source	NOUN
ijtc-591	78	61	:	:	PUNCT
ijtc-591	78	62	data	datum	NOUN
ijtc-591	78	63	processed	process	VERB
ijtc-591	78	64	(	(	PUNCT
ijtc-591	78	65	2022	2022	NUM
ijtc-591	78	66	)	)	PUNCT
ijtc-591	78	67	.	.	PUNCT
ijtc-591	79	1	factors	factor	NOUN
ijtc-591	79	2	affecting	affect	VERB
ijtc-591	79	3	student	student	NOUN
ijtc-591	79	4	financial	financial	ADJ
ijtc-591	79	5	literacy	literacy	NOUN
ijtc-591	79	6	triana	triana	NOUN
ijtc-591	79	7	and	and	CCONJ
ijtc-591	79	8	ibrohim	ibrohim	PRON
ijtc-591	79	9	425	425	NUM
ijtc-591	79	10	|	|	ADV
ijtc-591	79	11	ilomata	ilomata	PROPN
ijtc-591	79	12	international	international	ADJ
ijtc-591	79	13	journal	journal	NOUN
ijtc-591	79	14	of	of	ADP
ijtc-591	79	15	tax	tax	PROPN
ijtc-591	79	16	&	&	CCONJ
ijtc-591	79	17	accounting	accounting	PROPN
ijtc-591	79	18	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-591	79	19	the	the	DET
ijtc-591	79	20	calculation	calculation	NOUN
ijtc-591	79	21	of	of	ADP
ijtc-591	79	22	the	the	DET
ijtc-591	79	23	number	number	NOUN
ijtc-591	79	24	of	of	ADP
ijtc-591	79	25	samples	sample	NOUN
ijtc-591	79	26	that	that	PRON
ijtc-591	79	27	will	will	AUX
ijtc-591	79	28	be	be	AUX
ijtc-591	79	29	used	use	VERB
ijtc-591	79	30	as	as	ADP
ijtc-591	79	31	respondents	respondent	NOUN
ijtc-591	79	32	for	for	ADP
ijtc-591	79	33	each	each	DET
ijtc-591	79	34	university	university	NOUN
ijtc-591	79	35	is	be	AUX
ijtc-591	79	36	as	as	SCONJ
ijtc-591	79	37	follows	follow	VERB
ijtc-591	79	38	.	.	PUNCT
ijtc-591	80	1	for	for	ADP
ijtc-591	80	2	example	example	NOUN
ijtc-591	80	3	,	,	PUNCT
ijtc-591	80	4	for	for	ADP
ijtc-591	80	5	bina	bina	PROPN
ijtc-591	80	6	bangsa	bangsa	PROPN
ijtc-591	80	7	university	university	PROPN
ijtc-591	80	8	:	:	PUNCT
ijtc-591	80	9	bina	bina	PROPN
ijtc-591	80	10	bangsa	bangsa	PROPN
ijtc-591	80	11	university	university	PROPN
ijtc-591	81	1	=	=	NOUN
ijtc-591	81	2	x	x	SYM
ijtc-591	81	3	100	100	NUM
ijtc-591	81	4	%	%	NOUN
ijtc-591	81	5	=	=	SYM
ijtc-591	82	1	31,42	31,42	NUM
ijtc-591	82	2	%	%	NOUN
ijtc-591	82	3	x	x	SYM
ijtc-591	82	4	150	150	NUM
ijtc-591	82	5	=	=	SYM
ijtc-591	82	6	47	47	NUM
ijtc-591	82	7	orang	orang	NOUN
ijtc-591	82	8	the	the	DET
ijtc-591	82	9	calculation	calculation	NOUN
ijtc-591	82	10	of	of	ADP
ijtc-591	82	11	the	the	DET
ijtc-591	82	12	number	number	NOUN
ijtc-591	82	13	of	of	ADP
ijtc-591	82	14	respondents	respondent	NOUN
ijtc-591	82	15	for	for	ADP
ijtc-591	82	16	the	the	DET
ijtc-591	82	17	next	next	ADJ
ijtc-591	82	18	university	university	NOUN
ijtc-591	82	19	is	be	AUX
ijtc-591	82	20	carried	carry	VERB
ijtc-591	82	21	out	out	ADP
ijtc-591	82	22	in	in	ADP
ijtc-591	82	23	the	the	DET
ijtc-591	82	24	same	same	ADJ
ijtc-591	82	25	way	way	NOUN
ijtc-591	82	26	as	as	ADP
ijtc-591	82	27	above	above	ADJ
ijtc-591	82	28	.	.	PUNCT
ijtc-591	83	1	respondents	respondent	NOUN
ijtc-591	83	2	from	from	ADP
ijtc-591	83	3	each	each	DET
ijtc-591	83	4	university	university	NOUN
ijtc-591	83	5	were	be	AUX
ijtc-591	83	6	then	then	ADV
ijtc-591	83	7	taken	take	VERB
ijtc-591	83	8	according	accord	VERB
ijtc-591	83	9	to	to	ADP
ijtc-591	83	10	predetermined	predetermine	VERB
ijtc-591	83	11	criteria	criterion	NOUN
ijtc-591	83	12	to	to	PART
ijtc-591	83	13	meet	meet	VERB
ijtc-591	83	14	the	the	DET
ijtc-591	83	15	number	number	NOUN
ijtc-591	83	16	of	of	ADP
ijtc-591	83	17	respondents	respondent	NOUN
ijtc-591	83	18	.	.	PUNCT
ijtc-591	84	1	this	this	PRON
ijtc-591	84	2	is	be	AUX
ijtc-591	84	3	so	so	SCONJ
ijtc-591	84	4	that	that	SCONJ
ijtc-591	84	5	students	student	NOUN
ijtc-591	84	6	from	from	ADP
ijtc-591	84	7	each	each	DET
ijtc-591	84	8	university	university	NOUN
ijtc-591	84	9	can	can	AUX
ijtc-591	84	10	be	be	AUX
ijtc-591	84	11	represented	represent	VERB
ijtc-591	84	12	by	by	ADP
ijtc-591	84	13	a	a	DET
ijtc-591	84	14	number	number	NOUN
ijtc-591	84	15	of	of	ADP
ijtc-591	84	16	respondents	respondent	NOUN
ijtc-591	84	17	.	.	PUNCT
ijtc-591	85	1	the	the	DET
ijtc-591	85	2	data	data	NOUN
ijtc-591	85	3	collection	collection	NOUN
ijtc-591	85	4	method	method	NOUN
ijtc-591	85	5	used	use	VERB
ijtc-591	85	6	is	be	AUX
ijtc-591	85	7	by	by	ADP
ijtc-591	85	8	going	go	VERB
ijtc-591	85	9	directly	directly	ADV
ijtc-591	85	10	to	to	ADP
ijtc-591	85	11	the	the	DET
ijtc-591	85	12	respondents	respondent	NOUN
ijtc-591	85	13	who	who	PRON
ijtc-591	85	14	are	be	AUX
ijtc-591	85	15	the	the	DET
ijtc-591	85	16	samples	sample	NOUN
ijtc-591	85	17	in	in	ADP
ijtc-591	85	18	the	the	DET
ijtc-591	85	19	study	study	NOUN
ijtc-591	85	20	.	.	PUNCT
ijtc-591	86	1	data	datum	NOUN
ijtc-591	86	2	collection	collection	NOUN
ijtc-591	86	3	techniques	technique	NOUN
ijtc-591	86	4	using	use	VERB
ijtc-591	86	5	questionnaires	questionnaire	NOUN
ijtc-591	86	6	.	.	PUNCT
ijtc-591	87	1	the	the	DET
ijtc-591	87	2	questionnaire	questionnaire	NOUN
ijtc-591	87	3	itself	itself	PRON
ijtc-591	87	4	is	be	AUX
ijtc-591	87	5	a	a	DET
ijtc-591	87	6	list	list	NOUN
ijtc-591	87	7	of	of	ADP
ijtc-591	87	8	questions	question	NOUN
ijtc-591	87	9	given	give	VERB
ijtc-591	87	10	to	to	ADP
ijtc-591	87	11	other	other	ADJ
ijtc-591	87	12	people	people	NOUN
ijtc-591	87	13	who	who	PRON
ijtc-591	87	14	are	be	AUX
ijtc-591	87	15	willing	willing	ADJ
ijtc-591	87	16	to	to	PART
ijtc-591	87	17	respond	respond	VERB
ijtc-591	87	18	according	accord	VERB
ijtc-591	87	19	to	to	ADP
ijtc-591	87	20	user	user	NOUN
ijtc-591	87	21	requests	request	NOUN
ijtc-591	87	22	.	.	PUNCT
ijtc-591	88	1	the	the	DET
ijtc-591	88	2	goal	goal	NOUN
ijtc-591	88	3	is	be	AUX
ijtc-591	88	4	to	to	PART
ijtc-591	88	5	find	find	VERB
ijtc-591	88	6	complete	complete	ADJ
ijtc-591	88	7	information	information	NOUN
ijtc-591	88	8	about	about	ADP
ijtc-591	88	9	a	a	DET
ijtc-591	88	10	problem	problem	NOUN
ijtc-591	88	11	from	from	ADP
ijtc-591	88	12	the	the	DET
ijtc-591	88	13	respondent	respondent	NOUN
ijtc-591	88	14	without	without	ADP
ijtc-591	88	15	feeling	feel	VERB
ijtc-591	88	16	worried	worried	ADJ
ijtc-591	88	17	if	if	SCONJ
ijtc-591	88	18	the	the	DET
ijtc-591	88	19	respondent	respondent	NOUN
ijtc-591	88	20	gives	give	VERB
ijtc-591	88	21	an	an	DET
ijtc-591	88	22	answer	answer	NOUN
ijtc-591	88	23	that	that	PRON
ijtc-591	88	24	is	be	AUX
ijtc-591	88	25	not	not	PART
ijtc-591	88	26	in	in	ADP
ijtc-591	88	27	accordance	accordance	NOUN
ijtc-591	88	28	with	with	ADP
ijtc-591	88	29	the	the	DET
ijtc-591	88	30	reality	reality	NOUN
ijtc-591	88	31	in	in	ADP
ijtc-591	88	32	filling	fill	VERB
ijtc-591	88	33	out	out	ADP
ijtc-591	88	34	the	the	DET
ijtc-591	88	35	list	list	NOUN
ijtc-591	88	36	of	of	ADP
ijtc-591	88	37	questions	question	NOUN
ijtc-591	88	38	.	.	PUNCT
ijtc-591	89	1	the	the	DET
ijtc-591	89	2	unit	unit	NOUN
ijtc-591	89	3	of	of	ADP
ijtc-591	89	4	analysis	analysis	NOUN
ijtc-591	89	5	is	be	AUX
ijtc-591	89	6	the	the	DET
ijtc-591	89	7	individual	individual	NOUN
ijtc-591	89	8	because	because	SCONJ
ijtc-591	89	9	each	each	DET
ijtc-591	89	10	respondent	respondent	NOUN
ijtc-591	89	11	's	's	PART
ijtc-591	89	12	answer	answer	NOUN
ijtc-591	89	13	represents	represent	VERB
ijtc-591	89	14	his	his	PRON
ijtc-591	89	15	or	or	CCONJ
ijtc-591	89	16	her	her	PRON
ijtc-591	89	17	own	own	ADJ
ijtc-591	89	18	opinion	opinion	NOUN
ijtc-591	89	19	.	.	PUNCT
ijtc-591	90	1	measurement	measurement	NOUN
ijtc-591	90	2	of	of	ADP
ijtc-591	90	3	data	datum	NOUN
ijtc-591	90	4	using	use	VERB
ijtc-591	90	5	the	the	DET
ijtc-591	90	6	rating	rating	NOUN
ijtc-591	90	7	scale	scale	NOUN
ijtc-591	90	8	,	,	PUNCT
ijtc-591	90	9	namely	namely	ADV
ijtc-591	90	10	the	the	DET
ijtc-591	90	11	raw	raw	ADJ
ijtc-591	90	12	data	datum	NOUN
ijtc-591	90	13	obtained	obtain	VERB
ijtc-591	90	14	in	in	ADP
ijtc-591	90	15	the	the	DET
ijtc-591	90	16	form	form	NOUN
ijtc-591	90	17	of	of	ADP
ijtc-591	90	18	numbers	number	NOUN
ijtc-591	90	19	and	and	CCONJ
ijtc-591	90	20	then	then	ADV
ijtc-591	90	21	interpreted	interpret	VERB
ijtc-591	90	22	in	in	ADP
ijtc-591	90	23	a	a	DET
ijtc-591	90	24	qualitative	qualitative	ADJ
ijtc-591	90	25	sense	sense	NOUN
ijtc-591	90	26	.	.	PUNCT
ijtc-591	91	1	the	the	DET
ijtc-591	91	2	questionnaire	questionnaire	NOUN
ijtc-591	91	3	in	in	ADP
ijtc-591	91	4	this	this	DET
ijtc-591	91	5	study	study	NOUN
ijtc-591	91	6	was	be	AUX
ijtc-591	91	7	in	in	ADP
ijtc-591	91	8	a	a	DET
ijtc-591	91	9	closed	closed	ADJ
ijtc-591	91	10	form	form	NOUN
ijtc-591	91	11	,	,	PUNCT
ijtc-591	91	12	namely	namely	ADV
ijtc-591	91	13	a	a	DET
ijtc-591	91	14	questionnaire	questionnaire	NOUN
ijtc-591	91	15	whose	whose	DET
ijtc-591	91	16	answers	answer	NOUN
ijtc-591	91	17	had	have	AUX
ijtc-591	91	18	been	be	AUX
ijtc-591	91	19	provided	provide	VERB
ijtc-591	91	20	so	so	SCONJ
ijtc-591	91	21	that	that	SCONJ
ijtc-591	91	22	respondents	respondent	NOUN
ijtc-591	91	23	only	only	ADV
ijtc-591	91	24	had	have	VERB
ijtc-591	91	25	to	to	PART
ijtc-591	91	26	choose	choose	VERB
ijtc-591	91	27	.	.	PUNCT
ijtc-591	92	1	the	the	DET
ijtc-591	92	2	number	number	NOUN
ijtc-591	92	3	of	of	ADP
ijtc-591	92	4	questions	question	NOUN
ijtc-591	92	5	in	in	ADP
ijtc-591	92	6	the	the	DET
ijtc-591	92	7	questionnaire	questionnaire	NOUN
ijtc-591	92	8	is	be	AUX
ijtc-591	92	9	34	34	NUM
ijtc-591	92	10	questions	question	NOUN
ijtc-591	92	11	.	.	PUNCT
ijtc-591	93	1	respondents	respondent	NOUN
ijtc-591	93	2	can	can	AUX
ijtc-591	93	3	choose	choose	VERB
ijtc-591	93	4	the	the	DET
ijtc-591	93	5	available	available	ADJ
ijtc-591	93	6	alternative	alternative	ADJ
ijtc-591	93	7	answers	answer	NOUN
ijtc-591	93	8	,	,	PUNCT
ijtc-591	93	9	namely	namely	ADV
ijtc-591	93	10	:	:	PUNCT
ijtc-591	93	11	strongly	strongly	ADV
ijtc-591	93	12	agree	agree	VERB
ijtc-591	93	13	,	,	PUNCT
ijtc-591	93	14	agree	agree	VERB
ijtc-591	93	15	,	,	PUNCT
ijtc-591	93	16	neutral	neutral	ADJ
ijtc-591	93	17	,	,	PUNCT
ijtc-591	93	18	disagree	disagree	VERB
ijtc-591	93	19	,	,	PUNCT
ijtc-591	93	20	strongly	strongly	ADV
ijtc-591	93	21	disagree	disagree	VERB
ijtc-591	93	22	.	.	PUNCT
ijtc-591	94	1	the	the	DET
ijtc-591	94	2	scoring	scoring	NOUN
ijtc-591	94	3	in	in	ADP
ijtc-591	94	4	the	the	DET
ijtc-591	94	5	item	item	NOUN
ijtc-591	94	6	instrument	instrument	NOUN
ijtc-591	94	7	answer	answer	NOUN
ijtc-591	94	8	category	category	NOUN
ijtc-591	94	9	uses	use	VERB
ijtc-591	94	10	a	a	DET
ijtc-591	94	11	likert	likert	ADJ
ijtc-591	94	12	scale	scale	NOUN
ijtc-591	94	13	as	as	SCONJ
ijtc-591	94	14	follows	follow	VERB
ijtc-591	94	15	:	:	PUNCT
ijtc-591	94	16	description	description	NOUN
ijtc-591	94	17	score	score	NOUN
ijtc-591	94	18	strongly	strongly	ADV
ijtc-591	94	19	agree	agree	VERB
ijtc-591	94	20	5	5	NUM
ijtc-591	94	21	agree	agree	VERB
ijtc-591	94	22	4	4	NUM
ijtc-591	94	23	neutral	neutral	ADJ
ijtc-591	94	24	3	3	NUM
ijtc-591	94	25	disagree	disagree	VERB
ijtc-591	94	26	2	2	NUM
ijtc-591	94	27	strongly	strongly	ADV
ijtc-591	94	28	disagree	disagree	VERB
ijtc-591	94	29	1	1	NUM
ijtc-591	94	30	before	before	ADP
ijtc-591	94	31	starting	start	VERB
ijtc-591	94	32	the	the	DET
ijtc-591	94	33	preparation	preparation	NOUN
ijtc-591	94	34	and	and	CCONJ
ijtc-591	94	35	writing	writing	NOUN
ijtc-591	94	36	of	of	ADP
ijtc-591	94	37	this	this	DET
ijtc-591	94	38	research	research	NOUN
ijtc-591	94	39	,	,	PUNCT
ijtc-591	94	40	we	we	PRON
ijtc-591	94	41	prepared	prepare	VERB
ijtc-591	94	42	a	a	DET
ijtc-591	94	43	number	number	NOUN
ijtc-591	94	44	of	of	ADP
ijtc-591	94	45	designs	design	NOUN
ijtc-591	94	46	or	or	CCONJ
ijtc-591	94	47	procedures	procedure	NOUN
ijtc-591	94	48	for	for	ADP
ijtc-591	94	49	compiling	compile	VERB
ijtc-591	94	50	this	this	DET
ijtc-591	94	51	research	research	NOUN
ijtc-591	94	52	.	.	PUNCT
ijtc-591	95	1	the	the	DET
ijtc-591	95	2	design	design	NOUN
ijtc-591	95	3	is	be	AUX
ijtc-591	95	4	divided	divide	VERB
ijtc-591	95	5	into	into	ADP
ijtc-591	95	6	several	several	ADJ
ijtc-591	95	7	stages	stage	NOUN
ijtc-591	95	8	,	,	PUNCT
ijtc-591	95	9	namely	namely	ADV
ijtc-591	95	10	:	:	PUNCT
ijtc-591	95	11	a.	a.	NOUN
ijtc-591	95	12	problem	problem	NOUN
ijtc-591	95	13	identification	identification	NOUN
ijtc-591	95	14	stage	stage	NOUN
ijtc-591	95	15	at	at	ADP
ijtc-591	95	16	this	this	DET
ijtc-591	95	17	stage	stage	NOUN
ijtc-591	95	18	we	we	PRON
ijtc-591	95	19	look	look	VERB
ijtc-591	95	20	for	for	ADP
ijtc-591	95	21	the	the	DET
ijtc-591	95	22	core	core	NOUN
ijtc-591	95	23	of	of	ADP
ijtc-591	95	24	the	the	DET
ijtc-591	95	25	problem	problem	NOUN
ijtc-591	95	26	to	to	PART
ijtc-591	95	27	be	be	AUX
ijtc-591	95	28	discussed	discuss	VERB
ijtc-591	95	29	,	,	PUNCT
ijtc-591	95	30	namely	namely	ADV
ijtc-591	95	31	the	the	DET
ijtc-591	95	32	determination	determination	NOUN
ijtc-591	95	33	of	of	ADP
ijtc-591	95	34	the	the	DET
ijtc-591	95	35	variables	variable	NOUN
ijtc-591	95	36	used	use	VERB
ijtc-591	95	37	in	in	ADP
ijtc-591	95	38	the	the	DET
ijtc-591	95	39	study	study	NOUN
ijtc-591	95	40	.	.	PUNCT
ijtc-591	96	1	the	the	DET
ijtc-591	96	2	variables	variable	NOUN
ijtc-591	96	3	used	use	VERB
ijtc-591	96	4	in	in	ADP
ijtc-591	96	5	this	this	DET
ijtc-591	96	6	study	study	NOUN
ijtc-591	96	7	include	include	VERB
ijtc-591	96	8	the	the	DET
ijtc-591	96	9	variables	variable	NOUN
ijtc-591	96	10	used	use	VERB
ijtc-591	96	11	to	to	PART
ijtc-591	96	12	determine	determine	VERB
ijtc-591	96	13	the	the	DET
ijtc-591	96	14	factors	factor	NOUN
ijtc-591	96	15	that	that	PRON
ijtc-591	96	16	affect	affect	VERB
ijtc-591	96	17	student	student	NOUN
ijtc-591	96	18	financial	financial	ADJ
ijtc-591	96	19	literacy	literacy	NOUN
ijtc-591	96	20	.	.	PUNCT
ijtc-591	97	1	there	there	PRON
ijtc-591	97	2	are	be	VERB
ijtc-591	97	3	17	17	NUM
ijtc-591	97	4	variables	variable	NOUN
ijtc-591	97	5	,	,	PUNCT
ijtc-591	97	6	namely	namely	ADV
ijtc-591	97	7	:	:	PUNCT
ijtc-591	97	8	1	1	X
ijtc-591	97	9	.	.	X
ijtc-591	97	10	level	level	NOUN
ijtc-591	97	11	of	of	ADP
ijtc-591	97	12	education	education	NOUN
ijtc-591	97	13	2	2	NUM
ijtc-591	97	14	.	.	PUNCT
ijtc-591	97	15	type	type	NOUN
ijtc-591	97	16	of	of	ADP
ijtc-591	97	17	work	work	NOUN
ijtc-591	97	18	3	3	NUM
ijtc-591	97	19	.	.	PUNCT
ijtc-591	97	20	income	income	NOUN
ijtc-591	97	21	level	level	NOUN
ijtc-591	97	22	4	4	NUM
ijtc-591	97	23	.	.	PUNCT
ijtc-591	97	24	student	student	NOUN
ijtc-591	97	25	monthly	monthly	ADJ
ijtc-591	97	26	pocket	pocket	NOUN
ijtc-591	97	27	money	money	NOUN
ijtc-591	97	28	5	5	NUM
ijtc-591	97	29	.	.	PUNCT
ijtc-591	98	1	budgeting	budget	VERB
ijtc-591	98	2	6	6	NUM
ijtc-591	98	3	.	.	PUNCT
ijtc-591	98	4	saving	save	VERB
ijtc-591	98	5	money	money	NOUN
ijtc-591	98	6	7	7	NUM
ijtc-591	98	7	.	.	PUNCT
ijtc-591	98	8	manage	manage	VERB
ijtc-591	98	9	expenses	expense	NOUN
ijtc-591	98	10	8	8	NUM
ijtc-591	98	11	.	.	PUNCT
ijtc-591	99	1	make	make	VERB
ijtc-591	99	2	investment	investment	NOUN
ijtc-591	99	3	9	9	NUM
ijtc-591	99	4	.	.	PUNCT
ijtc-591	100	1	save	save	VERB
ijtc-591	100	2	10	10	NUM
ijtc-591	100	3	.	.	PUNCT
ijtc-591	101	1	understanding	understanding	NOUN
ijtc-591	101	2	of	of	ADP
ijtc-591	101	3	material	material	NOUN
ijtc-591	101	4	in	in	ADP
ijtc-591	101	5	finance	finance	NOUN
ijtc-591	101	6	courses	course	NOUN
ijtc-591	101	7	factors	factor	NOUN
ijtc-591	101	8	affecting	affect	VERB
ijtc-591	101	9	student	student	NOUN
ijtc-591	101	10	financial	financial	ADJ
ijtc-591	101	11	literacy	literacy	NOUN
ijtc-591	101	12	triana	triana	NOUN
ijtc-591	101	13	and	and	CCONJ
ijtc-591	101	14	ibrohim	ibrohim	PRON
ijtc-591	101	15	426	426	NUM
ijtc-591	101	16	|	|	ADV
ijtc-591	101	17	ilomata	ilomata	PROPN
ijtc-591	101	18	international	international	ADJ
ijtc-591	101	19	journal	journal	NOUN
ijtc-591	101	20	of	of	ADP
ijtc-591	101	21	tax	tax	PROPN
ijtc-591	101	22	&	&	CCONJ
ijtc-591	101	23	accounting	account	VERB
ijtc-591	101	24	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-591	101	25	11	11	NUM
ijtc-591	101	26	.	.	PUNCT
ijtc-591	102	1	learning	learn	VERB
ijtc-591	102	2	process	process	NOUN
ijtc-591	102	3	and	and	CCONJ
ijtc-591	102	4	assessment	assessment	NOUN
ijtc-591	102	5	12	12	NUM
ijtc-591	102	6	.	.	PUNCT
ijtc-591	103	1	methods	method	NOUN
ijtc-591	103	2	and	and	CCONJ
ijtc-591	103	3	media	medium	NOUN
ijtc-591	103	4	used	use	VERB
ijtc-591	103	5	13	13	NUM
ijtc-591	103	6	.	.	PUNCT
ijtc-591	104	1	general	general	ADJ
ijtc-591	104	2	knowledge	knowledge	NOUN
ijtc-591	104	3	of	of	ADP
ijtc-591	104	4	finance	finance	NOUN
ijtc-591	104	5	14	14	NUM
ijtc-591	104	6	.	.	PUNCT
ijtc-591	105	1	savings	saving	NOUN
ijtc-591	105	2	and	and	CCONJ
ijtc-591	105	3	loans	loan	NOUN
ijtc-591	105	4	15	15	NUM
ijtc-591	105	5	.	.	PUNCT
ijtc-591	106	1	insurance	insurance	NOUN
ijtc-591	106	2	16	16	NUM
ijtc-591	106	3	.	.	PUNCT
ijtc-591	107	1	investment	investment	NOUN
ijtc-591	107	2	17	17	NUM
ijtc-591	107	3	.	.	PUNCT
ijtc-591	108	1	risk	risk	NOUN
ijtc-591	108	2	management	management	PROPN
ijtc-591	108	3	b.	b.	PROPN
ijtc-591	108	4	information	information	NOUN
ijtc-591	108	5	gathering	gathering	NOUN
ijtc-591	108	6	stage	stage	NOUN
ijtc-591	108	7	at	at	ADP
ijtc-591	108	8	this	this	DET
ijtc-591	108	9	stage	stage	NOUN
ijtc-591	108	10	we	we	PRON
ijtc-591	108	11	collect	collect	VERB
ijtc-591	108	12	materials	material	NOUN
ijtc-591	108	13	and	and	CCONJ
ijtc-591	108	14	sources	source	NOUN
ijtc-591	108	15	of	of	ADP
ijtc-591	108	16	information	information	NOUN
ijtc-591	108	17	from	from	ADP
ijtc-591	108	18	websites	website	NOUN
ijtc-591	108	19	,	,	PUNCT
ijtc-591	108	20	newspapers	newspaper	NOUN
ijtc-591	108	21	,	,	PUNCT
ijtc-591	108	22	journals	journal	NOUN
ijtc-591	108	23	and	and	CCONJ
ijtc-591	108	24	books	book	NOUN
ijtc-591	108	25	.	.	PUNCT
ijtc-591	109	1	c.	c.	NOUN
ijtc-591	109	2	compiling	compile	VERB
ijtc-591	109	3	questionnaire	questionnaire	NOUN
ijtc-591	109	4	at	at	ADP
ijtc-591	109	5	this	this	DET
ijtc-591	109	6	stage	stage	NOUN
ijtc-591	109	7	,	,	PUNCT
ijtc-591	109	8	we	we	PRON
ijtc-591	109	9	compiled	compile	VERB
ijtc-591	109	10	a	a	DET
ijtc-591	109	11	questionnaire	questionnaire	NOUN
ijtc-591	109	12	to	to	PART
ijtc-591	109	13	determine	determine	VERB
ijtc-591	109	14	the	the	DET
ijtc-591	109	15	factors	factor	NOUN
ijtc-591	109	16	that	that	PRON
ijtc-591	109	17	influence	influence	VERB
ijtc-591	109	18	financial	financial	ADJ
ijtc-591	109	19	literacy	literacy	NOUN
ijtc-591	109	20	according	accord	VERB
ijtc-591	109	21	to	to	ADP
ijtc-591	109	22	the	the	DET
ijtc-591	109	23	procedure	procedure	NOUN
ijtc-591	109	24	and	and	CCONJ
ijtc-591	109	25	distributed	distribute	VERB
ijtc-591	109	26	it	it	PRON
ijtc-591	109	27	to	to	ADP
ijtc-591	109	28	the	the	DET
ijtc-591	109	29	respondents	respondent	NOUN
ijtc-591	109	30	.	.	PUNCT
ijtc-591	110	1	d.	d.	PROPN
ijtc-591	110	2	looking	look	VERB
ijtc-591	110	3	for	for	ADP
ijtc-591	110	4	alternative	alternative	ADJ
ijtc-591	110	5	troubleshooting	troubleshooting	NOUN
ijtc-591	110	6	at	at	ADP
ijtc-591	110	7	this	this	DET
ijtc-591	110	8	stage	stage	NOUN
ijtc-591	110	9	,	,	PUNCT
ijtc-591	110	10	we	we	PRON
ijtc-591	110	11	analyze	analyze	VERB
ijtc-591	110	12	the	the	DET
ijtc-591	110	13	data	datum	NOUN
ijtc-591	110	14	obtained	obtain	VERB
ijtc-591	110	15	and	and	CCONJ
ijtc-591	110	16	then	then	ADV
ijtc-591	110	17	test	test	VERB
ijtc-591	110	18	the	the	DET
ijtc-591	110	19	validity	validity	NOUN
ijtc-591	110	20	and	and	CCONJ
ijtc-591	110	21	reliability	reliability	NOUN
ijtc-591	110	22	of	of	ADP
ijtc-591	110	23	the	the	DET
ijtc-591	110	24	questionnaire	questionnaire	NOUN
ijtc-591	110	25	used	use	VERB
ijtc-591	110	26	and	and	CCONJ
ijtc-591	110	27	then	then	ADV
ijtc-591	110	28	discuss	discuss	VERB
ijtc-591	110	29	the	the	DET
ijtc-591	110	30	factors	factor	NOUN
ijtc-591	110	31	that	that	PRON
ijtc-591	110	32	affect	affect	VERB
ijtc-591	110	33	student	student	NOUN
ijtc-591	110	34	financial	financial	ADJ
ijtc-591	110	35	literacy	literacy	NOUN
ijtc-591	110	36	.	.	PUNCT
ijtc-591	111	1	the	the	DET
ijtc-591	111	2	data	datum	NOUN
ijtc-591	111	3	analysis	analysis	NOUN
ijtc-591	111	4	method	method	NOUN
ijtc-591	111	5	that	that	PRON
ijtc-591	111	6	will	will	AUX
ijtc-591	111	7	be	be	AUX
ijtc-591	111	8	used	use	VERB
ijtc-591	111	9	is	be	AUX
ijtc-591	111	10	factor	factor	NOUN
ijtc-591	111	11	analysis	analysis	NOUN
ijtc-591	111	12	with	with	ADP
ijtc-591	111	13	ms.excel	ms.excel	NOUN
ijtc-591	111	14	and	and	CCONJ
ijtc-591	111	15	spss	spss	VERB
ijtc-591	111	16	22.0	22.0	NUM
ijtc-591	111	17	program	program	NOUN
ijtc-591	111	18	analysis	analysis	NOUN
ijtc-591	111	19	which	which	PRON
ijtc-591	111	20	is	be	AUX
ijtc-591	111	21	a	a	DET
ijtc-591	111	22	software	software	NOUN
ijtc-591	111	23	program	program	NOUN
ijtc-591	111	24	for	for	ADP
ijtc-591	111	25	statistics	statistic	NOUN
ijtc-591	111	26	.	.	PUNCT
ijtc-591	112	1	result	result	NOUN
ijtc-591	112	2	and	and	CCONJ
ijtc-591	112	3	discussion	discussion	NOUN
ijtc-591	112	4	test	test	VERB
ijtc-591	112	5	the	the	DET
ijtc-591	112	6	assumption	assumption	NOUN
ijtc-591	112	7	of	of	ADP
ijtc-591	112	8	factor	factor	NOUN
ijtc-591	112	9	analysis	analysis	NOUN
ijtc-591	112	10	to	to	PART
ijtc-591	112	11	assess	assess	VERB
ijtc-591	112	12	the	the	DET
ijtc-591	112	13	eligible	eligible	ADJ
ijtc-591	112	14	variables	variable	NOUN
ijtc-591	112	15	.	.	PUNCT
ijtc-591	113	1	factor	factor	NOUN
ijtc-591	113	2	analysis	analysis	NOUN
ijtc-591	113	3	has	have	VERB
ijtc-591	113	4	assumptions	assumption	NOUN
ijtc-591	113	5	that	that	PRON
ijtc-591	113	6	must	must	AUX
ijtc-591	113	7	be	be	AUX
ijtc-591	113	8	met	meet	VERB
ijtc-591	113	9	beforehand	beforehand	ADV
ijtc-591	113	10	,	,	PUNCT
ijtc-591	113	11	including	include	VERB
ijtc-591	113	12	the	the	DET
ijtc-591	113	13	kmo	kmo	PROPN
ijtc-591	113	14	statistical	statistical	ADJ
ijtc-591	113	15	value	value	NOUN
ijtc-591	113	16	for	for	ADP
ijtc-591	113	17	the	the	DET
ijtc-591	113	18	adequacy	adequacy	NOUN
ijtc-591	113	19	of	of	ADP
ijtc-591	113	20	the	the	DET
ijtc-591	113	21	sample	sample	NOUN
ijtc-591	113	22	or	or	CCONJ
ijtc-591	113	23	data	datum	NOUN
ijtc-591	113	24	and	and	CCONJ
ijtc-591	113	25	the	the	DET
ijtc-591	113	26	significance	significance	NOUN
ijtc-591	113	27	of	of	ADP
ijtc-591	113	28	the	the	DET
ijtc-591	113	29	barlett	barlett	NOUN
ijtc-591	113	30	test	test	NOUN
ijtc-591	113	31	to	to	PART
ijtc-591	113	32	test	test	VERB
ijtc-591	113	33	that	that	SCONJ
ijtc-591	113	34	there	there	PRON
ijtc-591	113	35	is	be	VERB
ijtc-591	113	36	a	a	DET
ijtc-591	113	37	correlation	correlation	NOUN
ijtc-591	113	38	between	between	ADP
ijtc-591	113	39	variables	variable	NOUN
ijtc-591	113	40	.	.	PUNCT
ijtc-591	114	1	table	table	NOUN
ijtc-591	114	2	4.1	4.1	NUM
ijtc-591	114	3	output	output	NOUN
ijtc-591	114	4	kmo	kmo	PROPN
ijtc-591	114	5	dan	dan	PROPN
ijtc-591	114	6	bartlett	bartlett	PROPN
ijtc-591	114	7	’s	’s	PART
ijtc-591	114	8	test	test	NOUN
ijtc-591	114	9	2	2	NUM
ijtc-591	114	10	.	.	PUNCT
ijtc-591	114	11	identification	identification	NOUN
ijtc-591	114	12	of	of	ADP
ijtc-591	114	13	data	datum	NOUN
ijtc-591	114	14	sufficiency	sufficiency	NOUN
ijtc-591	114	15	adequacy	adequacy	NOUN
ijtc-591	114	16	of	of	ADP
ijtc-591	114	17	data	datum	NOUN
ijtc-591	114	18	or	or	CCONJ
ijtc-591	114	19	samples	sample	NOUN
ijtc-591	114	20	can	can	AUX
ijtc-591	114	21	be	be	AUX
ijtc-591	114	22	identified	identify	VERB
ijtc-591	114	23	through	through	ADP
ijtc-591	114	24	the	the	DET
ijtc-591	114	25	value	value	NOUN
ijtc-591	114	26	of	of	ADP
ijtc-591	114	27	measure	measure	NOUN
ijtc-591	114	28	of	of	ADP
ijtc-591	114	29	sampling	sample	VERB
ijtc-591	114	30	adequacy	adequacy	NOUN
ijtc-591	114	31	(	(	PUNCT
ijtc-591	114	32	msa	msa	PROPN
ijtc-591	114	33	)	)	PUNCT
ijtc-591	114	34	and	and	CCONJ
ijtc-591	114	35	kaiser	kaiser	PROPN
ijtc-591	114	36	-	-	PUNCT
ijtc-591	114	37	meyer	meyer	PROPN
ijtc-591	114	38	-	-	PUNCT
ijtc-591	114	39	olkin	olkin	PROPN
ijtc-591	114	40	(	(	PUNCT
ijtc-591	114	41	kmo	kmo	NOUN
ijtc-591	114	42	)	)	PUNCT
ijtc-591	114	43	.	.	PUNCT
ijtc-591	115	1	the	the	DET
ijtc-591	115	2	testing	testing	NOUN
ijtc-591	115	3	procedure	procedure	NOUN
ijtc-591	115	4	is	be	AUX
ijtc-591	115	5	as	as	SCONJ
ijtc-591	115	6	follows	follow	VERB
ijtc-591	115	7	:	:	PUNCT
ijtc-591	115	8	a.	a.	NOUN
ijtc-591	115	9	hypothesis	hypothesis	NOUN
ijtc-591	115	10	formulation	formulation	NOUN
ijtc-591	115	11	h0	h0	PROPN
ijtc-591	115	12	:	:	PUNCT
ijtc-591	115	13	the	the	DET
ijtc-591	115	14	sample	sample	NOUN
ijtc-591	115	15	(	(	PUNCT
ijtc-591	115	16	variable	variable	NOUN
ijtc-591	115	17	)	)	PUNCT
ijtc-591	115	18	is	be	AUX
ijtc-591	115	19	sufficient	sufficient	ADJ
ijtc-591	115	20	for	for	ADP
ijtc-591	115	21	further	further	ADJ
ijtc-591	115	22	analysis	analysis	NOUN
ijtc-591	115	23	.	.	PUNCT
ijtc-591	116	1	h1	h1	PROPN
ijtc-591	116	2	:	:	PUNCT
ijtc-591	116	3	the	the	DET
ijtc-591	116	4	sample	sample	NOUN
ijtc-591	116	5	(	(	PUNCT
ijtc-591	116	6	variable	variable	NOUN
ijtc-591	116	7	)	)	PUNCT
ijtc-591	116	8	is	be	AUX
ijtc-591	116	9	not	not	PART
ijtc-591	116	10	sufficient	sufficient	ADJ
ijtc-591	116	11	for	for	ADP
ijtc-591	116	12	further	further	ADJ
ijtc-591	116	13	analysis	analysis	NOUN
ijtc-591	116	14	.	.	PUNCT
ijtc-591	117	1	b.	b.	PROPN
ijtc-591	117	2	quantity	quantity	PROPN
ijtc-591	117	3	required	require	VERB
ijtc-591	117	4	significant	significant	ADJ
ijtc-591	117	5	level	level	NOUN
ijtc-591	117	6	referring	refer	VERB
ijtc-591	117	7	to	to	ADP
ijtc-591	117	8	the	the	DET
ijtc-591	117	9	theoretical	theoretical	ADJ
ijtc-591	117	10	basis	basis	NOUN
ijtc-591	117	11	that	that	SCONJ
ijtc-591	117	12	a	a	DET
ijtc-591	117	13	group	group	NOUN
ijtc-591	117	14	of	of	ADP
ijtc-591	117	15	data	datum	NOUN
ijtc-591	117	16	is	be	AUX
ijtc-591	117	17	said	say	VERB
ijtc-591	117	18	to	to	PART
ijtc-591	117	19	meet	meet	VERB
ijtc-591	117	20	the	the	DET
ijtc-591	117	21	assumption	assumption	NOUN
ijtc-591	117	22	of	of	ADP
ijtc-591	117	23	data	datum	NOUN
ijtc-591	117	24	adequacy	adequacy	NOUN
ijtc-591	117	25	if	if	SCONJ
ijtc-591	117	26	the	the	DET
ijtc-591	117	27	msa	msa	PROPN
ijtc-591	117	28	and	and	CCONJ
ijtc-591	117	29	kmo	kmo	PROPN
ijtc-591	117	30	values	value	NOUN
ijtc-591	117	31	are	be	AUX
ijtc-591	117	32	>	>	X
ijtc-591	117	33	0.5	0.5	NUM
ijtc-591	117	34	.	.	PUNCT
ijtc-591	118	1	c.	c.	PROPN
ijtc-591	118	2	test	test	PROPN
ijtc-591	118	3	statistics	statistic	NOUN
ijtc-591	118	4	:	:	PUNCT
ijtc-591	118	5	factors	factor	NOUN
ijtc-591	118	6	affecting	affect	VERB
ijtc-591	118	7	student	student	NOUN
ijtc-591	118	8	financial	financial	ADJ
ijtc-591	118	9	literacy	literacy	NOUN
ijtc-591	118	10	triana	triana	PROPN
ijtc-591	118	11	and	and	CCONJ
ijtc-591	118	12	ibrohim	ibrohim	PRON
ijtc-591	118	13	427	427	NUM
ijtc-591	118	14	|	|	ADV
ijtc-591	118	15	ilomata	ilomata	NOUN
ijtc-591	118	16	international	international	ADJ
ijtc-591	118	17	journal	journal	NOUN
ijtc-591	118	18	of	of	ADP
ijtc-591	118	19	tax	tax	PROPN
ijtc-591	118	20	&	&	CCONJ
ijtc-591	118	21	accounting	accounting	PROPN
ijtc-591	118	22	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-591	118	23	d.	d.	PROPN
ijtc-591	118	24	testing	testing	NOUN
ijtc-591	118	25	criteria	criterion	NOUN
ijtc-591	118	26	:	:	PUNCT
ijtc-591	118	27	accept	accept	VERB
ijtc-591	118	28	h0	h0	PROPN
ijtc-591	118	29	if	if	SCONJ
ijtc-591	118	30	the	the	DET
ijtc-591	118	31	kmo	kmo	NOUN
ijtc-591	118	32	value	value	NOUN
ijtc-591	118	33	is	be	AUX
ijtc-591	118	34	greater	great	ADJ
ijtc-591	118	35	than	than	ADP
ijtc-591	118	36	0.5	0.5	NUM
ijtc-591	118	37	.	.	PUNCT
ijtc-591	119	1	the	the	DET
ijtc-591	119	2	criteria	criterion	NOUN
ijtc-591	119	3	for	for	ADP
ijtc-591	119	4	suitability	suitability	NOUN
ijtc-591	119	5	in	in	ADP
ijtc-591	119	6	the	the	DET
ijtc-591	119	7	use	use	NOUN
ijtc-591	119	8	of	of	ADP
ijtc-591	119	9	factor	factor	NOUN
ijtc-591	119	10	analysis	analysis	NOUN
ijtc-591	119	11	include	include	VERB
ijtc-591	119	12	:	:	PUNCT
ijtc-591	119	13	1	1	X
ijtc-591	119	14	)	)	PUNCT
ijtc-591	119	15	0.9	0.9	NUM
ijtc-591	119	16	<	<	X
ijtc-591	119	17	kmo	kmo	PROPN
ijtc-591	119	18			VERB
ijtc-591	119	19	1.00	1.00	NUM
ijtc-591	119	20	≤	≤	NOUN
ijtc-591	119	21	unit	unit	NOUN
ijtc-591	119	22	of	of	ADP
ijtc-591	119	23	observation	observation	NOUN
ijtc-591	119	24	is	be	AUX
ijtc-591	119	25	very	very	ADV
ijtc-591	119	26	good	good	ADJ
ijtc-591	119	27	for	for	ADP
ijtc-591	119	28	factor	factor	NOUN
ijtc-591	119	29	analysis	analysis	NOUN
ijtc-591	119	30	.	.	PUNCT
ijtc-591	120	1	2	2	NUM
ijtc-591	120	2	)	)	PUNCT
ijtc-591	120	3	0.8	0.8	NUM
ijtc-591	120	4	<	<	X
ijtc-591	120	5	kmo	kmo	PROPN
ijtc-591	120	6			PROPN
ijtc-591	120	7	0.9	0.9	NUM
ijtc-591	120	8	≤	≤	NOUN
ijtc-591	120	9	unit	unit	NOUN
ijtc-591	120	10	of	of	ADP
ijtc-591	120	11	observation	observation	NOUN
ijtc-591	120	12	is	be	AUX
ijtc-591	120	13	good	good	ADJ
ijtc-591	120	14	for	for	ADP
ijtc-591	120	15	factor	factor	NOUN
ijtc-591	120	16	analysis	analysis	NOUN
ijtc-591	120	17	.	.	PUNCT
ijtc-591	121	1	3	3	X
ijtc-591	121	2	)	)	PUNCT
ijtc-591	121	3	0.7	0.7	NUM
ijtc-591	121	4	<	<	X
ijtc-591	121	5	kmo	kmo	PROPN
ijtc-591	121	6			VERB
ijtc-591	121	7	0.8	0.8	NUM
ijtc-591	121	8	≤	≤	NUM
ijtc-591	121	9	unit	unit	NOUN
ijtc-591	121	10	of	of	ADP
ijtc-591	121	11	observation	observation	NOUN
ijtc-591	121	12	is	be	AUX
ijtc-591	121	13	rather	rather	ADV
ijtc-591	121	14	good	good	ADJ
ijtc-591	121	15	for	for	ADP
ijtc-591	121	16	factor	factor	NOUN
ijtc-591	121	17	analysis	analysis	NOUN
ijtc-591	121	18	.	.	PUNCT
ijtc-591	122	1	4	4	NUM
ijtc-591	122	2	)	)	PUNCT
ijtc-591	122	3	0.6	0.6	NUM
ijtc-591	122	4	<	<	X
ijtc-591	122	5	kmo	kmo	PROPN
ijtc-591	122	6			VERB
ijtc-591	122	7	0.7	0.7	NUM
ijtc-591	122	8	≤	≤	NOUN
ijtc-591	122	9	unit	unit	NOUN
ijtc-591	122	10	of	of	ADP
ijtc-591	122	11	observation	observation	NOUN
ijtc-591	122	12	is	be	AUX
ijtc-591	122	13	more	more	ADJ
ijtc-591	122	14	than	than	ADP
ijtc-591	122	15	adequate	adequate	ADJ
ijtc-591	122	16	for	for	ADP
ijtc-591	122	17	factor	factor	NOUN
ijtc-591	122	18	analysis	analysis	NOUN
ijtc-591	122	19	.	.	PUNCT
ijtc-591	123	1	5	5	NUM
ijtc-591	123	2	)	)	PUNCT
ijtc-591	123	3	0.5	0.5	NUM
ijtc-591	123	4	<	<	X
ijtc-591	123	5	kmo	kmo	PROPN
ijtc-591	123	6			VERB
ijtc-591	123	7	0.6	0.6	NUM
ijtc-591	123	8	≤	≤	NOUN
ijtc-591	123	9	unit	unit	NOUN
ijtc-591	123	10	of	of	ADP
ijtc-591	123	11	observation	observation	NOUN
ijtc-591	123	12	is	be	AUX
ijtc-591	123	13	sufficient	sufficient	ADJ
ijtc-591	123	14	for	for	ADP
ijtc-591	123	15	factor	factor	NOUN
ijtc-591	123	16	analysis	analysis	NOUN
ijtc-591	123	17	.	.	PUNCT
ijtc-591	124	1	6	6	NUM
ijtc-591	124	2	)	)	PUNCT
ijtc-591	124	3	kmo	kmo	PROPN
ijtc-591	124	4			VERB
ijtc-591	124	5	0.5	0.5	NUM
ijtc-591	124	6	≤	≤	NOUN
ijtc-591	124	7	unit	unit	NOUN
ijtc-591	124	8	of	of	ADP
ijtc-591	124	9	observation	observation	NOUN
ijtc-591	124	10	is	be	AUX
ijtc-591	124	11	not	not	PART
ijtc-591	124	12	feasible	feasible	ADJ
ijtc-591	124	13	for	for	ADP
ijtc-591	124	14	factor	factor	NOUN
ijtc-591	124	15	analysis	analysis	NOUN
ijtc-591	124	16	.	.	PUNCT
ijtc-591	125	1	e.	e.	PROPN
ijtc-591	125	2	conclusion	conclusion	PROPN
ijtc-591	125	3	:	:	PUNCT
ijtc-591	125	4	based	base	VERB
ijtc-591	125	5	on	on	ADP
ijtc-591	125	6	table	table	NOUN
ijtc-591	125	7	4.1	4.1	NUM
ijtc-591	125	8	above	above	ADV
ijtc-591	125	9	,	,	PUNCT
ijtc-591	125	10	it	it	PRON
ijtc-591	125	11	can	can	AUX
ijtc-591	125	12	be	be	AUX
ijtc-591	125	13	seen	see	VERB
ijtc-591	125	14	that	that	SCONJ
ijtc-591	125	15	the	the	DET
ijtc-591	125	16	assumption	assumption	NOUN
ijtc-591	125	17	of	of	ADP
ijtc-591	125	18	data	datum	NOUN
ijtc-591	125	19	adequacy	adequacy	NOUN
ijtc-591	125	20	has	have	AUX
ijtc-591	125	21	been	be	AUX
ijtc-591	125	22	met	meet	VERB
ijtc-591	125	23	,	,	PUNCT
ijtc-591	125	24	namely	namely	ADV
ijtc-591	125	25	by	by	ADP
ijtc-591	125	26	looking	look	VERB
ijtc-591	125	27	at	at	ADP
ijtc-591	125	28	the	the	DET
ijtc-591	125	29	kmo	kmo	PROPN
ijtc-591	125	30	value	value	NOUN
ijtc-591	125	31	of	of	ADP
ijtc-591	125	32	spss	spss	PROPN
ijtc-591	125	33	output	output	NOUN
ijtc-591	125	34	(	(	PUNCT
ijtc-591	125	35	0.740	0.740	NUM
ijtc-591	125	36	>	>	SYM
ijtc-591	125	37	0.5	0.5	NUM
ijtc-591	125	38	)	)	PUNCT
ijtc-591	125	39	.	.	PUNCT
ijtc-591	126	1	where	where	SCONJ
ijtc-591	126	2	it	it	PRON
ijtc-591	126	3	implies	imply	VERB
ijtc-591	126	4	that	that	SCONJ
ijtc-591	126	5	the	the	DET
ijtc-591	126	6	data	data	NOUN
ijtc-591	126	7	is	be	AUX
ijtc-591	126	8	satisfactory	satisfactory	ADJ
ijtc-591	126	9	for	for	ADP
ijtc-591	126	10	factor	factor	NOUN
ijtc-591	126	11	analysis	analysis	NOUN
ijtc-591	126	12	so	so	SCONJ
ijtc-591	126	13	that	that	SCONJ
ijtc-591	126	14	the	the	DET
ijtc-591	126	15	data	datum	NOUN
ijtc-591	126	16	or	or	CCONJ
ijtc-591	126	17	sample	sample	NOUN
ijtc-591	126	18	adequacy	adequacy	NOUN
ijtc-591	126	19	test	test	NOUN
ijtc-591	126	20	has	have	AUX
ijtc-591	126	21	been	be	AUX
ijtc-591	126	22	met	meet	VERB
ijtc-591	126	23	.	.	PUNCT
ijtc-591	127	1	3	3	X
ijtc-591	127	2	.	.	X
ijtc-591	127	3	identification	identification	NOUN
ijtc-591	127	4	of	of	ADP
ijtc-591	127	5	correlation	correlation	NOUN
ijtc-591	127	6	between	between	ADP
ijtc-591	127	7	variables	variable	NOUN
ijtc-591	127	8	between	between	ADP
ijtc-591	127	9	variables	variable	NOUN
ijtc-591	127	10	must	must	AUX
ijtc-591	127	11	meet	meet	VERB
ijtc-591	127	12	the	the	DET
ijtc-591	127	13	assumption	assumption	NOUN
ijtc-591	127	14	of	of	ADP
ijtc-591	127	15	correlation	correlation	NOUN
ijtc-591	127	16	.	.	PUNCT
ijtc-591	128	1	to	to	PART
ijtc-591	128	2	help	help	AUX
ijtc-591	128	3	identify	identify	VERB
ijtc-591	128	4	correlations	correlation	NOUN
ijtc-591	128	5	between	between	ADP
ijtc-591	128	6	variables	variable	NOUN
ijtc-591	128	7	,	,	PUNCT
ijtc-591	128	8	spss	spss	PROPN
ijtc-591	128	9	software	software	NOUN
ijtc-591	128	10	is	be	AUX
ijtc-591	128	11	used	use	VERB
ijtc-591	128	12	.	.	PUNCT
ijtc-591	129	1	the	the	DET
ijtc-591	129	2	testing	testing	NOUN
ijtc-591	129	3	procedure	procedure	NOUN
ijtc-591	129	4	is	be	AUX
ijtc-591	129	5	as	as	SCONJ
ijtc-591	129	6	follows	follow	VERB
ijtc-591	129	7	:	:	PUNCT
ijtc-591	129	8	a.	a.	NOUN
ijtc-591	129	9	hypothesis	hypothesis	NOUN
ijtc-591	129	10	formulation	formulation	NOUN
ijtc-591	129	11	h0	h0	PROPN
ijtc-591	129	12	:	:	PUNCT
ijtc-591	129	13	the	the	DET
ijtc-591	129	14	correlation	correlation	NOUN
ijtc-591	129	15	matrix	matrix	NOUN
ijtc-591	129	16	is	be	AUX
ijtc-591	129	17	an	an	DET
ijtc-591	129	18	identity	identity	NOUN
ijtc-591	129	19	matrix	matrix	NOUN
ijtc-591	129	20	.	.	PUNCT
ijtc-591	130	1	h1	h1	PROPN
ijtc-591	130	2	:	:	PUNCT
ijtc-591	130	3	the	the	DET
ijtc-591	130	4	correlation	correlation	NOUN
ijtc-591	130	5	matrix	matrix	NOUN
ijtc-591	130	6	is	be	AUX
ijtc-591	130	7	not	not	PART
ijtc-591	130	8	an	an	DET
ijtc-591	130	9	identity	identity	NOUN
ijtc-591	130	10	matrix	matrix	NOUN
ijtc-591	130	11	.	.	PUNCT
ijtc-591	131	1	b.	b.	PROPN
ijtc-591	131	2	test	test	PROPN
ijtc-591	131	3	statistics	statistic	NOUN
ijtc-591	132	1	=	=	PUNCT
ijtc-591	133	1	[	[	X
ijtc-591	133	2	(	(	PUNCT
ijtc-591	133	3	)	)	PUNCT
ijtc-591	133	4	(	(	PUNCT
ijtc-591	133	5	)	)	PUNCT
ijtc-591	133	6	]	]	X
ijtc-591	133	7	ln	ln	ADJ
ijtc-591	134	1	|	|	ADV
ijtc-591	134	2	|	|	ADV
ijtc-591	134	3	c.	c.	PROPN
ijtc-591	134	4	acceptance	acceptance	NOUN
ijtc-591	134	5	criteria	criterion	NOUN
ijtc-591	134	6	reject	reject	VERB
ijtc-591	134	7	h0	h0	NOUN
ijtc-591	134	8	if	if	SCONJ
ijtc-591	134	9	>	>	X
ijtc-591	134	10	(	(	PUNCT
ijtc-591	134	11	)	)	PUNCT
ijtc-591	134	12	d.	d.	PROPN
ijtc-591	134	13	conclusion	conclusion	NOUN
ijtc-591	134	14	:	:	PUNCT
ijtc-591	134	15	information	information	NOUN
ijtc-591	134	16	that	that	PRON
ijtc-591	134	17	can	can	AUX
ijtc-591	134	18	be	be	AUX
ijtc-591	134	19	obtained	obtain	VERB
ijtc-591	134	20	from	from	ADP
ijtc-591	134	21	table	table	NOUN
ijtc-591	134	22	4.1	4.1	NUM
ijtc-591	134	23	is	be	AUX
ijtc-591	134	24	known	know	VERB
ijtc-591	134	25	that	that	SCONJ
ijtc-591	134	26	between	between	ADP
ijtc-591	134	27	variables	variable	NOUN
ijtc-591	134	28	have	have	AUX
ijtc-591	134	29	met	meet	VERB
ijtc-591	134	30	the	the	DET
ijtc-591	134	31	assumption	assumption	NOUN
ijtc-591	134	32	of	of	ADP
ijtc-591	134	33	mutual	mutual	ADJ
ijtc-591	134	34	correlation	correlation	NOUN
ijtc-591	134	35	,	,	PUNCT
ijtc-591	134	36	namely	namely	ADV
ijtc-591	134	37	by	by	ADP
ijtc-591	134	38	looking	look	VERB
ijtc-591	134	39	at	at	ADP
ijtc-591	134	40	the	the	DET
ijtc-591	134	41	barlett	barlett	NOUN
ijtc-591	134	42	test	test	NOUN
ijtc-591	134	43	value	value	NOUN
ijtc-591	134	44	of	of	ADP
ijtc-591	134	45	457	457	NUM
ijtc-591	134	46	at	at	ADP
ijtc-591	134	47	136	136	NUM
ijtc-591	134	48	degrees	degree	NOUN
ijtc-591	134	49	of	of	ADP
ijtc-591	134	50	freedom	freedom	NOUN
ijtc-591	134	51	,	,	PUNCT
ijtc-591	134	52	far	far	ADV
ijtc-591	134	53	below	below	ADP
ijtc-591	134	54	0.05	0.05	NUM
ijtc-591	134	55	,	,	PUNCT
ijtc-591	134	56	which	which	PRON
ijtc-591	134	57	means	mean	VERB
ijtc-591	134	58	h0	h0	PROPN
ijtc-591	134	59	is	be	AUX
ijtc-591	134	60	rejected	reject	VERB
ijtc-591	134	61	.	.	PUNCT
ijtc-591	135	1	thus	thus	ADV
ijtc-591	135	2	,	,	PUNCT
ijtc-591	135	3	both	both	PRON
ijtc-591	135	4	assumptions	assumption	VERB
ijtc-591	135	5	for	for	ADP
ijtc-591	135	6	factor	factor	NOUN
ijtc-591	135	7	analysis	analysis	NOUN
ijtc-591	135	8	have	have	AUX
ijtc-591	135	9	been	be	AUX
ijtc-591	135	10	met	meet	VERB
ijtc-591	135	11	.	.	PUNCT
ijtc-591	136	1	in	in	ADP
ijtc-591	136	2	addition	addition	NOUN
ijtc-591	136	3	,	,	PUNCT
ijtc-591	136	4	the	the	DET
ijtc-591	136	5	feasibility	feasibility	NOUN
ijtc-591	136	6	of	of	ADP
ijtc-591	136	7	the	the	DET
ijtc-591	136	8	variables	variable	NOUN
ijtc-591	136	9	to	to	PART
ijtc-591	136	10	be	be	AUX
ijtc-591	136	11	analyzed	analyze	VERB
ijtc-591	136	12	is	be	AUX
ijtc-591	136	13	also	also	ADV
ijtc-591	136	14	seen	see	VERB
ijtc-591	136	15	from	from	ADP
ijtc-591	136	16	the	the	DET
ijtc-591	136	17	anti	anti	ADJ
ijtc-591	136	18	-	-	ADJ
ijtc-591	136	19	image	image	ADJ
ijtc-591	136	20	matrix	matrix	NOUN
ijtc-591	136	21	which	which	PRON
ijtc-591	136	22	is	be	AUX
ijtc-591	136	23	used	use	VERB
ijtc-591	136	24	to	to	PART
ijtc-591	136	25	find	find	VERB
ijtc-591	136	26	out	out	ADP
ijtc-591	136	27	which	which	PRON
ijtc-591	136	28	variables	variable	NOUN
ijtc-591	136	29	must	must	AUX
ijtc-591	136	30	be	be	AUX
ijtc-591	136	31	excluded	exclude	VERB
ijtc-591	136	32	because	because	SCONJ
ijtc-591	136	33	they	they	PRON
ijtc-591	136	34	can	can	AUX
ijtc-591	136	35	not	not	PART
ijtc-591	136	36	be	be	AUX
ijtc-591	136	37	predicted	predict	VERB
ijtc-591	136	38	and	and	CCONJ
ijtc-591	136	39	factors	factor	NOUN
ijtc-591	136	40	affecting	affect	VERB
ijtc-591	136	41	student	student	NOUN
ijtc-591	136	42	financial	financial	ADJ
ijtc-591	136	43	literacy	literacy	NOUN
ijtc-591	136	44	triana	triana	NOUN
ijtc-591	136	45	and	and	CCONJ
ijtc-591	136	46	ibrohim	ibrohim	PRON
ijtc-591	136	47	428	428	NUM
ijtc-591	137	1	|	|	ADV
ijtc-591	137	2	ilomata	ilomata	PROPN
ijtc-591	137	3	international	international	ADJ
ijtc-591	137	4	journal	journal	NOUN
ijtc-591	137	5	of	of	ADP
ijtc-591	137	6	tax	tax	PROPN
ijtc-591	137	7	&	&	CCONJ
ijtc-591	137	8	accounting	accounting	PROPN
ijtc-591	137	9	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-591	137	10	can	can	AUX
ijtc-591	137	11	not	not	PART
ijtc-591	137	12	be	be	AUX
ijtc-591	137	13	analyzed	analyze	VERB
ijtc-591	137	14	further	far	ADV
ijtc-591	137	15	.	.	PUNCT
ijtc-591	138	1	the	the	DET
ijtc-591	138	2	msa	msa	PROPN
ijtc-591	138	3	(	(	PUNCT
ijtc-591	138	4	measure	measure	NOUN
ijtc-591	138	5	of	of	ADP
ijtc-591	138	6	sampling	sample	VERB
ijtc-591	138	7	adequacy	adequacy	NOUN
ijtc-591	138	8	)	)	PUNCT
ijtc-591	138	9	number	number	NOUN
ijtc-591	138	10	ranges	range	VERB
ijtc-591	138	11	from	from	ADP
ijtc-591	138	12	0	0	NUM
ijtc-591	138	13	to	to	ADP
ijtc-591	138	14	1	1	NUM
ijtc-591	138	15	,	,	PUNCT
ijtc-591	138	16	with	with	ADP
ijtc-591	138	17	the	the	DET
ijtc-591	138	18	following	follow	VERB
ijtc-591	138	19	criteria	criterion	NOUN
ijtc-591	138	20	:	:	PUNCT
ijtc-591	138	21	a.	a.	NOUN
ijtc-591	138	22	msa	msa	PROPN
ijtc-591	138	23	=	=	SYM
ijtc-591	138	24	1	1	PROPN
ijtc-591	138	25	,	,	PUNCT
ijtc-591	138	26	the	the	DET
ijtc-591	138	27	variable	variable	NOUN
ijtc-591	138	28	can	can	AUX
ijtc-591	138	29	be	be	AUX
ijtc-591	138	30	predicted	predict	VERB
ijtc-591	138	31	without	without	ADP
ijtc-591	138	32	error	error	NOUN
ijtc-591	138	33	by	by	ADP
ijtc-591	138	34	the	the	DET
ijtc-591	138	35	other	other	ADJ
ijtc-591	138	36	variables	variable	NOUN
ijtc-591	138	37	.	.	PUNCT
ijtc-591	139	1	b.	b.	PROPN
ijtc-591	139	2	msa	msa	PROPN
ijtc-591	139	3	>	>	X
ijtc-591	139	4	0.5	0.5	NUM
ijtc-591	139	5	,	,	PUNCT
ijtc-591	139	6	the	the	DET
ijtc-591	139	7	variable	variable	NOUN
ijtc-591	139	8	is	be	AUX
ijtc-591	139	9	still	still	ADV
ijtc-591	139	10	predictable	predictable	ADJ
ijtc-591	139	11	and	and	CCONJ
ijtc-591	139	12	can	can	AUX
ijtc-591	139	13	be	be	AUX
ijtc-591	139	14	c.	c.	PROPN
ijtc-591	139	15	further	far	ADV
ijtc-591	139	16	analyzed	analyze	VERB
ijtc-591	139	17	.	.	PUNCT
ijtc-591	140	1	d.	d.	PROPN
ijtc-591	140	2	msa	msa	PROPN
ijtc-591	140	3	<	<	X
ijtc-591	140	4	0.5	0.5	NUM
ijtc-591	140	5	,	,	PUNCT
ijtc-591	140	6	the	the	DET
ijtc-591	140	7	variable	variable	NOUN
ijtc-591	140	8	is	be	AUX
ijtc-591	140	9	unpredictable	unpredictable	ADJ
ijtc-591	140	10	and	and	CCONJ
ijtc-591	140	11	can	can	AUX
ijtc-591	140	12	not	not	PART
ijtc-591	140	13	be	be	AUX
ijtc-591	140	14	analyzed	analyze	VERB
ijtc-591	140	15	further	far	ADV
ijtc-591	140	16	or	or	CCONJ
ijtc-591	140	17	excluded	exclude	VERB
ijtc-591	140	18	from	from	ADP
ijtc-591	140	19	other	other	ADJ
ijtc-591	140	20	variables	variable	NOUN
ijtc-591	140	21	.	.	PUNCT
ijtc-591	141	1	e.	e.	PROPN
ijtc-591	142	1	the	the	DET
ijtc-591	142	2	msa	msa	PROPN
ijtc-591	142	3	value	value	NOUN
ijtc-591	142	4	for	for	ADP
ijtc-591	142	5	each	each	DET
ijtc-591	142	6	variable	variable	NOUN
ijtc-591	142	7	can	can	AUX
ijtc-591	142	8	be	be	AUX
ijtc-591	142	9	seen	see	VERB
ijtc-591	142	10	in	in	ADP
ijtc-591	142	11	the	the	DET
ijtc-591	142	12	following	follow	VERB
ijtc-591	142	13	table	table	NOUN
ijtc-591	142	14	:	:	PUNCT
ijtc-591	142	15	table	table	NOUN
ijtc-591	142	16	4.2	4.2	NUM
ijtc-591	142	17	msa	msa	PROPN
ijtc-591	142	18	values	value	NOUN
ijtc-591	142	19	on	on	ADP
ijtc-591	142	20	anti	anti	ADJ
ijtc-591	142	21	-	-	ADJ
ijtc-591	142	22	image	image	ADJ
ijtc-591	142	23	matrices	matrix	NOUN
ijtc-591	142	24	variable	variable	ADJ
ijtc-591	142	25	msa	msa	PROPN
ijtc-591	142	26	variable	variable	PROPN
ijtc-591	142	27	msa	msa	PROPN
ijtc-591	142	28	level	level	NOUN
ijtc-591	142	29	of	of	ADP
ijtc-591	142	30	education	education	NOUN
ijtc-591	142	31	0.593	0.593	NUM
ijtc-591	142	32	understanding	understanding	NOUN
ijtc-591	142	33	of	of	ADP
ijtc-591	142	34	material	material	NOUN
ijtc-591	142	35	in	in	ADP
ijtc-591	142	36	finance	finance	NOUN
ijtc-591	142	37	courses	course	NOUN
ijtc-591	142	38	0.688	0.688	NUM
ijtc-591	142	39	type	type	NOUN
ijtc-591	142	40	of	of	ADP
ijtc-591	142	41	work	work	NOUN
ijtc-591	142	42	0.762	0.762	NUM
ijtc-591	142	43	methods	method	NOUN
ijtc-591	142	44	and	and	CCONJ
ijtc-591	142	45	media	medium	NOUN
ijtc-591	142	46	used	use	VERB
ijtc-591	142	47	0.532	0.532	NUM
ijtc-591	142	48	income	income	NOUN
ijtc-591	142	49	level	level	NOUN
ijtc-591	142	50	0.661	0.661	NUM
ijtc-591	142	51	learning	learning	NOUN
ijtc-591	142	52	process	process	NOUN
ijtc-591	142	53	and	and	CCONJ
ijtc-591	142	54	assessment	assessment	NOUN
ijtc-591	142	55	0.743	0.743	NUM
ijtc-591	142	56	student	student	NOUN
ijtc-591	142	57	monthly	monthly	ADJ
ijtc-591	142	58	pocket	pocket	NOUN
ijtc-591	142	59	money	money	NOUN
ijtc-591	142	60	0.548	0.548	NUM
ijtc-591	142	61	general	general	ADJ
ijtc-591	142	62	knowledge	knowledge	NOUN
ijtc-591	142	63	of	of	ADP
ijtc-591	142	64	finance	finance	NOUN
ijtc-591	142	65	0.829	0.829	NUM
ijtc-591	142	66	budgeting	budget	VERB
ijtc-591	142	67	0.696	0.696	NUM
ijtc-591	142	68	savings	saving	NOUN
ijtc-591	142	69	and	and	CCONJ
ijtc-591	142	70	loans	loan	NOUN
ijtc-591	142	71	0.624	0.624	NUM
ijtc-591	142	72	saving	save	VERB
ijtc-591	142	73	money	money	NOUN
ijtc-591	142	74	0.806	0.806	NUM
ijtc-591	142	75	insurance	insurance	NOUN
ijtc-591	142	76	0.701	0.701	NUM
ijtc-591	142	77	manage	manage	NOUN
ijtc-591	142	78	expenses	expense	VERB
ijtc-591	142	79	0.808	0.808	NUM
ijtc-591	142	80	investment	investment	NOUN
ijtc-591	142	81	0.699	0.699	NUM
ijtc-591	142	82	make	make	VERB
ijtc-591	142	83	investment	investment	NOUN
ijtc-591	142	84	0.754	0.754	NUM
ijtc-591	142	85	risk	risk	NOUN
ijtc-591	142	86	management	management	NOUN
ijtc-591	142	87	0.772	0.772	NUM
ijtc-591	142	88	save	save	VERB
ijtc-591	142	89	0.909	0.909	NUM
ijtc-591	142	90	from	from	ADP
ijtc-591	142	91	the	the	DET
ijtc-591	142	92	output	output	NOUN
ijtc-591	142	93	of	of	ADP
ijtc-591	142	94	the	the	DET
ijtc-591	142	95	anti	anti	ADJ
ijtc-591	142	96	-	-	ADJ
ijtc-591	142	97	image	image	ADJ
ijtc-591	142	98	matrix	matrix	NOUN
ijtc-591	142	99	,	,	PUNCT
ijtc-591	142	100	it	it	PRON
ijtc-591	142	101	turns	turn	VERB
ijtc-591	142	102	out	out	ADP
ijtc-591	142	103	that	that	SCONJ
ijtc-591	142	104	the	the	DET
ijtc-591	142	105	msa	msa	PROPN
ijtc-591	142	106	value	value	NOUN
ijtc-591	142	107	of	of	ADP
ijtc-591	142	108	all	all	DET
ijtc-591	142	109	variables	variable	NOUN
ijtc-591	142	110	is	be	AUX
ijtc-591	142	111	above	above	ADP
ijtc-591	142	112	0.5	0.5	NUM
ijtc-591	142	113	,	,	PUNCT
ijtc-591	142	114	meaning	mean	VERB
ijtc-591	142	115	that	that	SCONJ
ijtc-591	142	116	the	the	DET
ijtc-591	142	117	unit	unit	NOUN
ijtc-591	142	118	of	of	ADP
ijtc-591	142	119	observation	observation	NOUN
ijtc-591	142	120	is	be	AUX
ijtc-591	142	121	sufficient	sufficient	ADJ
ijtc-591	142	122	for	for	ADP
ijtc-591	142	123	further	further	ADJ
ijtc-591	142	124	analysis	analysis	NOUN
ijtc-591	142	125	on	on	ADP
ijtc-591	142	126	each	each	DET
ijtc-591	142	127	variable	variable	NOUN
ijtc-591	142	128	.	.	PUNCT
ijtc-591	143	1	4	4	X
ijtc-591	143	2	.	.	X
ijtc-591	143	3	extracting	extract	VERB
ijtc-591	143	4	factor	factor	NOUN
ijtc-591	143	5	next	next	ADV
ijtc-591	143	6	,	,	PUNCT
ijtc-591	143	7	the	the	DET
ijtc-591	143	8	core	core	NOUN
ijtc-591	143	9	process	process	NOUN
ijtc-591	143	10	of	of	ADP
ijtc-591	143	11	factor	factor	NOUN
ijtc-591	143	12	analysis	analysis	NOUN
ijtc-591	143	13	is	be	AUX
ijtc-591	143	14	carried	carry	VERB
ijtc-591	143	15	out	out	ADP
ijtc-591	143	16	,	,	PUNCT
ijtc-591	143	17	namely	namely	ADV
ijtc-591	143	18	extracting	extract	VERB
ijtc-591	143	19	a	a	DET
ijtc-591	143	20	set	set	NOUN
ijtc-591	143	21	of	of	ADP
ijtc-591	143	22	existing	exist	VERB
ijtc-591	143	23	variables	variable	NOUN
ijtc-591	143	24	,	,	PUNCT
ijtc-591	143	25	so	so	SCONJ
ijtc-591	143	26	that	that	SCONJ
ijtc-591	143	27	one	one	NUM
ijtc-591	143	28	or	or	CCONJ
ijtc-591	143	29	more	more	ADJ
ijtc-591	143	30	factors	factor	NOUN
ijtc-591	143	31	are	be	AUX
ijtc-591	143	32	formed	form	VERB
ijtc-591	143	33	.	.	PUNCT
ijtc-591	144	1	there	there	PRON
ijtc-591	144	2	are	be	VERB
ijtc-591	144	3	many	many	ADJ
ijtc-591	144	4	methods	method	NOUN
ijtc-591	144	5	for	for	ADP
ijtc-591	144	6	carrying	carry	VERB
ijtc-591	144	7	out	out	ADP
ijtc-591	144	8	the	the	DET
ijtc-591	144	9	extraction	extraction	NOUN
ijtc-591	144	10	process	process	NOUN
ijtc-591	144	11	,	,	PUNCT
ijtc-591	144	12	but	but	CCONJ
ijtc-591	144	13	the	the	DET
ijtc-591	144	14	method	method	NOUN
ijtc-591	144	15	used	use	VERB
ijtc-591	144	16	is	be	AUX
ijtc-591	144	17	principal	principal	ADJ
ijtc-591	144	18	component	component	NOUN
ijtc-591	144	19	analysis	analysis	NOUN
ijtc-591	144	20	.	.	PUNCT
ijtc-591	145	1	table	table	NOUN
ijtc-591	145	2	4.3	4.3	NUM
ijtc-591	145	3	communalities	communalitie	NOUN
ijtc-591	145	4	communalities	communalitie	NOUN
ijtc-591	145	5	initial	initial	ADJ
ijtc-591	145	6	extraction	extraction	NOUN
ijtc-591	145	7	level	level	NOUN
ijtc-591	145	8	of	of	ADP
ijtc-591	145	9	education	education	NOUN
ijtc-591	145	10	1.000	1.000	NUM
ijtc-591	145	11	0.597	0.597	NUM
ijtc-591	145	12	type	type	NOUN
ijtc-591	145	13	of	of	ADP
ijtc-591	145	14	work	work	NOUN
ijtc-591	145	15	1.000	1.000	NUM
ijtc-591	145	16	0.629	0.629	NUM
ijtc-591	145	17	income	income	NOUN
ijtc-591	145	18	level	level	NOUN
ijtc-591	145	19	1.000	1.000	NUM
ijtc-591	145	20	0.550	0.550	NUM
ijtc-591	145	21	student	student	NOUN
ijtc-591	145	22	monthly	monthly	ADJ
ijtc-591	145	23	pocket	pocket	NOUN
ijtc-591	145	24	money	money	NOUN
ijtc-591	145	25	1.000	1.000	NUM
ijtc-591	145	26	0.754	0.754	NUM
ijtc-591	145	27	budgeting	budget	VERB
ijtc-591	145	28	1.000	1.000	NUM
ijtc-591	145	29	0.587	0.587	NUM
ijtc-591	145	30	saving	save	VERB
ijtc-591	145	31	money	money	NOUN
ijtc-591	145	32	1.000	1.000	NUM
ijtc-591	145	33	0.750	0.750	NUM
ijtc-591	145	34	manage	manage	NOUN
ijtc-591	145	35	expenses	expense	VERB
ijtc-591	145	36	1.000	1.000	NUM
ijtc-591	145	37	0.753	0.753	NUM
ijtc-591	145	38	make	make	VERB
ijtc-591	145	39	investment	investment	NOUN
ijtc-591	145	40	1.000	1.000	NUM
ijtc-591	145	41	0.669	0.669	NUM
ijtc-591	145	42	save	save	VERB
ijtc-591	145	43	1.000	1.000	NUM
ijtc-591	145	44	0.676	0.676	NUM
ijtc-591	145	45	understanding	understanding	NOUN
ijtc-591	145	46	of	of	ADP
ijtc-591	145	47	material	material	NOUN
ijtc-591	145	48	in	in	ADP
ijtc-591	145	49	finance	finance	NOUN
ijtc-591	145	50	courses	course	NOUN
ijtc-591	145	51	1.000	1.000	NUM
ijtc-591	145	52	0.587	0.587	NUM
ijtc-591	145	53	methods	method	NOUN
ijtc-591	145	54	and	and	CCONJ
ijtc-591	145	55	media	medium	NOUN
ijtc-591	145	56	used	use	VERB
ijtc-591	145	57	1.000	1.000	NUM
ijtc-591	145	58	0.545	0.545	NUM
ijtc-591	145	59	learning	learning	NOUN
ijtc-591	145	60	process	process	NOUN
ijtc-591	145	61	and	and	CCONJ
ijtc-591	145	62	assessment	assessment	NOUN
ijtc-591	145	63	1.000	1.000	NUM
ijtc-591	145	64	0.675	0.675	NUM
ijtc-591	145	65	factors	factor	NOUN
ijtc-591	145	66	affecting	affect	VERB
ijtc-591	145	67	student	student	NOUN
ijtc-591	145	68	financial	financial	ADJ
ijtc-591	145	69	literacy	literacy	NOUN
ijtc-591	145	70	triana	triana	PROPN
ijtc-591	145	71	and	and	CCONJ
ijtc-591	145	72	ibrohim	ibrohim	PRON
ijtc-591	145	73	429	429	NUM
ijtc-591	145	74	|	|	ADV
ijtc-591	145	75	ilomata	ilomata	NOUN
ijtc-591	145	76	international	international	ADJ
ijtc-591	145	77	journal	journal	NOUN
ijtc-591	145	78	of	of	ADP
ijtc-591	145	79	tax	tax	PROPN
ijtc-591	145	80	&	&	CCONJ
ijtc-591	145	81	accounting	account	VERB
ijtc-591	145	82	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-591	145	83	general	general	ADJ
ijtc-591	145	84	knowledge	knowledge	NOUN
ijtc-591	145	85	of	of	ADP
ijtc-591	145	86	finance	finance	NOUN
ijtc-591	145	87	1.000	1.000	NUM
ijtc-591	145	88	0.678	0.678	NUM
ijtc-591	145	89	savings	saving	NOUN
ijtc-591	145	90	and	and	CCONJ
ijtc-591	145	91	loans	loan	NOUN
ijtc-591	145	92	1.000	1.000	NUM
ijtc-591	145	93	0.795	0.795	NUM
ijtc-591	145	94	insurance	insurance	NOUN
ijtc-591	145	95	1.000	1.000	NUM
ijtc-591	145	96	0.513	0.513	NUM
ijtc-591	145	97	investment	investment	NOUN
ijtc-591	145	98	1.000	1.000	NUM
ijtc-591	145	99	0.516	0.516	NUM
ijtc-591	145	100	risk	risk	NOUN
ijtc-591	145	101	management	management	NOUN
ijtc-591	145	102	1.000	1.000	NUM
ijtc-591	145	103	0.519	0.519	NUM
ijtc-591	145	104	extraction	extraction	NOUN
ijtc-591	145	105	method	method	NOUN
ijtc-591	145	106	:	:	PUNCT
ijtc-591	145	107	pricipal	pricipal	NOUN
ijtc-591	145	108	component	component	NOUN
ijtc-591	145	109	analysis	analysis	NOUN
ijtc-591	145	110	communalities	communalitie	NOUN
ijtc-591	145	111	are	be	AUX
ijtc-591	145	112	basically	basically	ADV
ijtc-591	145	113	the	the	DET
ijtc-591	145	114	amount	amount	NOUN
ijtc-591	145	115	of	of	ADP
ijtc-591	145	116	variance	variance	NOUN
ijtc-591	145	117	(	(	PUNCT
ijtc-591	145	118	can	can	AUX
ijtc-591	145	119	be	be	AUX
ijtc-591	145	120	in	in	ADP
ijtc-591	145	121	percentage	percentage	NOUN
ijtc-591	145	122	)	)	PUNCT
ijtc-591	145	123	of	of	ADP
ijtc-591	145	124	an	an	DET
ijtc-591	145	125	initial	initial	ADJ
ijtc-591	145	126	variable	variable	NOUN
ijtc-591	145	127	that	that	PRON
ijtc-591	145	128	can	can	AUX
ijtc-591	145	129	be	be	AUX
ijtc-591	145	130	explained	explain	VERB
ijtc-591	145	131	by	by	ADP
ijtc-591	145	132	existing	exist	VERB
ijtc-591	145	133	factors	factor	NOUN
ijtc-591	145	134	.	.	PUNCT
ijtc-591	146	1	the	the	PRON
ijtc-591	146	2	greater	great	ADJ
ijtc-591	146	3	the	the	DET
ijtc-591	146	4	communalities	communalitie	NOUN
ijtc-591	146	5	of	of	ADP
ijtc-591	146	6	a	a	DET
ijtc-591	146	7	variable	variable	NOUN
ijtc-591	146	8	,	,	PUNCT
ijtc-591	146	9	the	the	PRON
ijtc-591	146	10	closer	close	ADJ
ijtc-591	146	11	the	the	DET
ijtc-591	146	12	relationship	relationship	NOUN
ijtc-591	146	13	with	with	ADP
ijtc-591	146	14	the	the	DET
ijtc-591	146	15	factors	factor	NOUN
ijtc-591	146	16	formed	form	VERB
ijtc-591	146	17	.	.	PUNCT
ijtc-591	147	1	the	the	DET
ijtc-591	147	2	largest	large	ADJ
ijtc-591	147	3	origin	origin	NOUN
ijtc-591	147	4	variable	variable	NOUN
ijtc-591	147	5	that	that	PRON
ijtc-591	147	6	can	can	AUX
ijtc-591	147	7	be	be	AUX
ijtc-591	147	8	explained	explain	VERB
ijtc-591	147	9	by	by	ADP
ijtc-591	147	10	factors	factor	NOUN
ijtc-591	147	11	is	be	AUX
ijtc-591	147	12	the	the	DET
ijtc-591	147	13	savings	saving	NOUN
ijtc-591	147	14	and	and	CCONJ
ijtc-591	147	15	loans	loan	NOUN
ijtc-591	147	16	variable	variable	ADJ
ijtc-591	147	17	with	with	ADP
ijtc-591	147	18	a	a	DET
ijtc-591	147	19	communality	communality	NOUN
ijtc-591	147	20	value	value	NOUN
ijtc-591	147	21	of	of	ADP
ijtc-591	147	22	0.795	0.795	NUM
ijtc-591	147	23	.	.	PUNCT
ijtc-591	148	1	this	this	PRON
ijtc-591	148	2	means	mean	VERB
ijtc-591	148	3	that	that	SCONJ
ijtc-591	148	4	79.5	79.5	NUM
ijtc-591	148	5	%	%	NOUN
ijtc-591	148	6	of	of	ADP
ijtc-591	148	7	the	the	DET
ijtc-591	148	8	variance	variance	NOUN
ijtc-591	148	9	of	of	ADP
ijtc-591	148	10	these	these	DET
ijtc-591	148	11	variables	variable	NOUN
ijtc-591	148	12	can	can	AUX
ijtc-591	148	13	be	be	AUX
ijtc-591	148	14	explained	explain	VERB
ijtc-591	148	15	by	by	ADP
ijtc-591	148	16	the	the	DET
ijtc-591	148	17	formed	form	VERB
ijtc-591	148	18	factors	factor	NOUN
ijtc-591	148	19	.	.	PUNCT
ijtc-591	149	1	while	while	SCONJ
ijtc-591	149	2	the	the	DET
ijtc-591	149	3	smallest	small	ADJ
ijtc-591	149	4	communality	communality	NOUN
ijtc-591	149	5	value	value	NOUN
ijtc-591	149	6	is	be	AUX
ijtc-591	149	7	0.513	0.513	NUM
ijtc-591	149	8	for	for	ADP
ijtc-591	149	9	the	the	DET
ijtc-591	149	10	method	method	NOUN
ijtc-591	149	11	and	and	CCONJ
ijtc-591	149	12	media	medium	NOUN
ijtc-591	149	13	variables	variable	NOUN
ijtc-591	149	14	used	use	VERB
ijtc-591	149	15	,	,	PUNCT
ijtc-591	149	16	which	which	PRON
ijtc-591	149	17	means	mean	VERB
ijtc-591	149	18	that	that	SCONJ
ijtc-591	149	19	only	only	ADV
ijtc-591	149	20	about	about	ADV
ijtc-591	149	21	51.3	51.3	NUM
ijtc-591	149	22	%	%	NOUN
ijtc-591	149	23	of	of	ADP
ijtc-591	149	24	the	the	DET
ijtc-591	149	25	variance	variance	NOUN
ijtc-591	149	26	of	of	ADP
ijtc-591	149	27	this	this	DET
ijtc-591	149	28	variable	variable	NOUN
ijtc-591	149	29	can	can	AUX
ijtc-591	149	30	be	be	AUX
ijtc-591	149	31	explained	explain	VERB
ijtc-591	149	32	by	by	ADP
ijtc-591	149	33	the	the	DET
ijtc-591	149	34	formed	form	VERB
ijtc-591	149	35	factors	factor	NOUN
ijtc-591	149	36	.	.	PUNCT
ijtc-591	150	1	there	there	PRON
ijtc-591	150	2	are	be	VERB
ijtc-591	150	3	17	17	NUM
ijtc-591	150	4	variables	variable	NOUN
ijtc-591	150	5	(	(	PUNCT
ijtc-591	150	6	components	component	NOUN
ijtc-591	150	7	)	)	PUNCT
ijtc-591	150	8	that	that	PRON
ijtc-591	150	9	are	be	AUX
ijtc-591	150	10	included	include	VERB
ijtc-591	150	11	in	in	ADP
ijtc-591	150	12	the	the	DET
ijtc-591	150	13	factor	factor	NOUN
ijtc-591	150	14	analysis	analysis	NOUN
ijtc-591	150	15	,	,	PUNCT
ijtc-591	150	16	with	with	ADP
ijtc-591	150	17	each	each	DET
ijtc-591	150	18	variable	variable	NOUN
ijtc-591	150	19	having	have	VERB
ijtc-591	150	20	a	a	DET
ijtc-591	150	21	variance	variance	NOUN
ijtc-591	150	22	of	of	ADP
ijtc-591	150	23	1	1	NUM
ijtc-591	150	24	,	,	PUNCT
ijtc-591	150	25	so	so	CCONJ
ijtc-591	150	26	the	the	DET
ijtc-591	150	27	total	total	ADJ
ijtc-591	150	28	variance	variance	NOUN
ijtc-591	150	29	is	be	AUX
ijtc-591	150	30	17	17	NUM
ijtc-591	150	31	x	x	SYM
ijtc-591	150	32	1	1	NUM
ijtc-591	150	33	=	=	SYM
ijtc-591	150	34	17	17	NUM
ijtc-591	150	35	.	.	PUNCT
ijtc-591	151	1	the	the	DET
ijtc-591	151	2	number	number	NOUN
ijtc-591	151	3	of	of	ADP
ijtc-591	151	4	eigenvalues	eigenvalue	NOUN
ijtc-591	151	5	for	for	ADP
ijtc-591	151	6	the	the	DET
ijtc-591	151	7	seventeen	seventeen	NUM
ijtc-591	151	8	variables	variable	NOUN
ijtc-591	151	9	is	be	AUX
ijtc-591	151	10	the	the	DET
ijtc-591	151	11	same	same	ADJ
ijtc-591	151	12	as	as	ADP
ijtc-591	151	13	the	the	DET
ijtc-591	151	14	total	total	ADJ
ijtc-591	151	15	variance	variance	NOUN
ijtc-591	151	16	of	of	ADP
ijtc-591	151	17	the	the	DET
ijtc-591	151	18	seventeen	seventeen	NUM
ijtc-591	151	19	variables	variable	NOUN
ijtc-591	151	20	(	(	PUNCT
ijtc-591	151	21	5.112	5.112	NUM
ijtc-591	151	22	+	+	NOUN
ijtc-591	151	23	1,587	1,587	NUM
ijtc-591	151	24	+	+	SYM
ijtc-591	151	25	1,482	1,482	NUM
ijtc-591	151	26	+	+	SYM
ijtc-591	151	27	1264	1264	NUM
ijtc-591	151	28	+	+	NOUN
ijtc-591	151	29	0.156	0.156	NUM
ijtc-591	151	30	+	+	NOUN
ijtc-591	151	31	0.997	0.997	NUM
ijtc-591	151	32	+	+	NOUN
ijtc-591	151	33	0.913	0.913	NUM
ijtc-591	151	34	+	+	SYM
ijtc-591	151	35	0.798	0.798	NUM
ijtc-591	151	36	+	+	ADJ
ijtc-591	151	37	0.678	0.678	NUM
ijtc-591	151	38	+	+	NOUN
ijtc-591	151	39	0.620	0.620	NUM
ijtc-591	151	40	+	+	NUM
ijtc-591	151	41	0.488	0.488	NUM
ijtc-591	151	42	+	+	NOUN
ijtc-591	151	43	0.470	0.470	NUM
ijtc-591	151	44	+	+	NOUN
ijtc-591	151	45	0.389	0.389	NUM
ijtc-591	151	46	+	+	NOUN
ijtc-591	151	47	0.35	0.35	NUM
ijtc-591	151	48	7	7	NUM
ijtc-591	151	49	+	+	NUM
ijtc-591	151	50	0.333	0.333	NUM
ijtc-591	151	51	+	+	NOUN
ijtc-591	151	52	0.187	0.187	NUM
ijtc-591	151	53	+	+	NOUN
ijtc-591	151	54	0.169	0.169	NUM
ijtc-591	151	55	=	=	SYM
ijtc-591	151	56	17	17	NUM
ijtc-591	151	57	.	.	PUNCT
ijtc-591	151	58	)	)	PUNCT
ijtc-591	151	59	table	table	NOUN
ijtc-591	151	60	4.4	4.4	NUM
ijtc-591	151	61	total	total	ADJ
ijtc-591	151	62	variance	variance	NOUN
ijtc-591	151	63	explained	explain	VERB
ijtc-591	151	64	total	total	ADJ
ijtc-591	151	65	variance	variance	NOUN
ijtc-591	151	66	explained	explain	VERB
ijtc-591	151	67	initial	initial	ADJ
ijtc-591	151	68	eigenvalues	eigenvalue	VERB
ijtc-591	151	69	extraction	extraction	NOUN
ijtc-591	151	70	sums	sum	NOUN
ijtc-591	151	71	of	of	ADP
ijtc-591	151	72	squared	square	VERB
ijtc-591	151	73	loadings	loading	NOUN
ijtc-591	151	74	rotation	rotation	NOUN
ijtc-591	151	75	sums	sum	NOUN
ijtc-591	151	76	of	of	ADP
ijtc-591	151	77	squared	square	VERB
ijtc-591	151	78	loadings	loading	NOUN
ijtc-591	151	79	component	component	NOUN
ijtc-591	151	80	total	total	ADJ
ijtc-591	151	81	%	%	NOUN
ijtc-591	151	82	of	of	ADP
ijtc-591	151	83	variance	variance	NOUN
ijtc-591	151	84	cumulate	cumulate	NOUN
ijtc-591	151	85	%	%	NOUN
ijtc-591	151	86	total	total	ADJ
ijtc-591	151	87	%	%	NOUN
ijtc-591	151	88	of	of	ADP
ijtc-591	151	89	variance	variance	NOUN
ijtc-591	151	90	cumulate	cumulate	NOUN
ijtc-591	151	91	%	%	NOUN
ijtc-591	151	92	total	total	ADJ
ijtc-591	151	93	%	%	NOUN
ijtc-591	151	94	of	of	ADP
ijtc-591	151	95	variance	variance	NOUN
ijtc-591	151	96	cumulate	cumulate	ADJ
ijtc-591	151	97	%	%	NOUN
ijtc-591	151	98	1	1	NUM
ijtc-591	151	99	5.112	5.112	NUM
ijtc-591	151	100	30.068	30.068	NUM
ijtc-591	152	1	30.068	30.068	NUM
ijtc-591	152	2	5.112	5.112	NUM
ijtc-591	152	3	30.068	30.068	NUM
ijtc-591	152	4	30.068	30.068	NUM
ijtc-591	152	5	4.059	4.059	NUM
ijtc-591	152	6	23.876	23.876	NUM
ijtc-591	152	7	23.876	23.876	NUM
ijtc-591	152	8	2	2	NUM
ijtc-591	152	9	1.587	1.587	NUM
ijtc-591	152	10	9.338	9.338	NUM
ijtc-591	152	11	39.406	39.406	NUM
ijtc-591	152	12	1.587	1.587	NUM
ijtc-591	152	13	9.338	9.338	NUM
ijtc-591	152	14	39.406	39.406	NUM
ijtc-591	152	15	2.096	2.096	NUM
ijtc-591	152	16	12.328	12.328	NUM
ijtc-591	152	17	36.204	36.204	NUM
ijtc-591	152	18	3	3	NUM
ijtc-591	152	19	1.482	1.482	NUM
ijtc-591	152	20	8.717	8.717	NUM
ijtc-591	152	21	48.123	48.123	NUM
ijtc-591	152	22	1.482	1.482	NUM
ijtc-591	152	23	8.717	8.717	NUM
ijtc-591	152	24	48.123	48.123	NUM
ijtc-591	152	25	1.832	1.832	NUM
ijtc-591	152	26	10.782	10.782	NUM
ijtc-591	152	27	46.986	46.986	NUM
ijtc-591	152	28	4	4	NUM
ijtc-591	152	29	1.264	1.264	NUM
ijtc-591	152	30	7.437	7.437	NUM
ijtc-591	152	31	55.56	55.56	NUM
ijtc-591	152	32	1.264	1.264	NUM
ijtc-591	152	33	7.437	7.437	NUM
ijtc-591	152	34	55.56	55.56	NUM
ijtc-591	152	35	1.322	1.322	NUM
ijtc-591	152	36	7.773	7.773	NUM
ijtc-591	152	37	54.759	54.759	NUM
ijtc-591	152	38	5	5	NUM
ijtc-591	152	39	1.156	1.156	NUM
ijtc-591	152	40	6.801	6.801	NUM
ijtc-591	152	41	62.361	62.361	NUM
ijtc-591	152	42	1.156	1.156	NUM
ijtc-591	152	43	6.801	6.801	NUM
ijtc-591	152	44	62.361	62.361	NUM
ijtc-591	152	45	1.292	1.292	NUM
ijtc-591	152	46	7.602	7.602	NUM
ijtc-591	152	47	62.361	62.361	NUM
ijtc-591	152	48	6	6	NUM
ijtc-591	152	49	.997	.997	NUM
ijtc-591	152	50	5.867	5.867	NUM
ijtc-591	152	51	68.228	68.228	NUM
ijtc-591	152	52	7	7	NUM
ijtc-591	152	53	.913	.913	NUM
ijtc-591	152	54	5.370	5.370	NUM
ijtc-591	152	55	73.598	73.598	NUM
ijtc-591	152	56	8	8	NUM
ijtc-591	152	57	.798	.798	NUM
ijtc-591	152	58	4.695	4.695	NUM
ijtc-591	152	59	78.293	78.293	NUM
ijtc-591	152	60	9	9	NUM
ijtc-591	152	61	.678	.678	NUM
ijtc-591	152	62	3.961	3.961	NUM
ijtc-591	152	63	82.254	82.254	NUM
ijtc-591	152	64	10	10	NUM
ijtc-591	152	65	.620	.620	NUM
ijtc-591	152	66	3.564	3.564	NUM
ijtc-591	152	67	85.818	85.818	NUM
ijtc-591	152	68	11	11	NUM
ijtc-591	152	69	.488	.488	NUM
ijtc-591	152	70	2.874	2.874	NUM
ijtc-591	152	71	88.692	88.692	NUM
ijtc-591	152	72	12	12	NUM
ijtc-591	152	73	.470	.470	NUM
ijtc-591	152	74	2.776	2.776	NUM
ijtc-591	152	75	91.468	91.468	NUM
ijtc-591	152	76	13	13	NUM
ijtc-591	152	77	.389	.389	NUM
ijtc-591	152	78	2.265	2.265	NUM
ijtc-591	152	79	93.733	93.733	NUM
ijtc-591	152	80	14	14	NUM
ijtc-591	152	81	.357	.357	NUM
ijtc-591	152	82	2.211	2.211	NUM
ijtc-591	152	83	95.944	95.944	NUM
ijtc-591	152	84	15	15	NUM
ijtc-591	152	85	.333	.333	NUM
ijtc-591	152	86	1.959	1.959	NUM
ijtc-591	152	87	97.903	97.903	NUM
ijtc-591	152	88	16	16	NUM
ijtc-591	152	89	.187	.187	NUM
ijtc-591	152	90	1.101	1.101	NUM
ijtc-591	152	91	99.004	99.004	NUM
ijtc-591	152	92	17	17	NUM
ijtc-591	152	93	.169	.169	NUM
ijtc-591	152	94	.996	.996	NUM
ijtc-591	152	95	100.000	100.000	NUM
ijtc-591	152	96	extraction	extraction	NOUN
ijtc-591	152	97	method	method	NOUN
ijtc-591	152	98	:	:	PUNCT
ijtc-591	152	99	pricipal	pricipal	NOUN
ijtc-591	152	100	component	component	NOUN
ijtc-591	152	101	analysis	analysis	NOUN
ijtc-591	152	102	the	the	DET
ijtc-591	152	103	arrangement	arrangement	NOUN
ijtc-591	152	104	of	of	ADP
ijtc-591	152	105	eigenvalues	eigenvalue	NOUN
ijtc-591	152	106	is	be	AUX
ijtc-591	152	107	always	always	ADV
ijtc-591	152	108	sorted	sort	VERB
ijtc-591	152	109	from	from	ADP
ijtc-591	152	110	the	the	DET
ijtc-591	152	111	largest	large	ADJ
ijtc-591	152	112	to	to	ADP
ijtc-591	152	113	the	the	DET
ijtc-591	152	114	smallest	small	ADJ
ijtc-591	152	115	,	,	PUNCT
ijtc-591	152	116	with	with	ADP
ijtc-591	152	117	the	the	DET
ijtc-591	152	118	criteria	criterion	NOUN
ijtc-591	152	119	that	that	SCONJ
ijtc-591	152	120	the	the	DET
ijtc-591	152	121	eigenvalues	eigenvalue	NOUN
ijtc-591	152	122	below	below	ADP
ijtc-591	152	123	one	one	NUM
ijtc-591	152	124	are	be	AUX
ijtc-591	152	125	not	not	PART
ijtc-591	152	126	used	use	VERB
ijtc-591	152	127	in	in	ADP
ijtc-591	152	128	calculating	calculate	VERB
ijtc-591	152	129	the	the	DET
ijtc-591	152	130	number	number	NOUN
ijtc-591	152	131	of	of	ADP
ijtc-591	152	132	factors	factor	NOUN
ijtc-591	152	133	formed	form	VERB
ijtc-591	152	134	.	.	PUNCT
ijtc-591	153	1	from	from	ADP
ijtc-591	153	2	the	the	DET
ijtc-591	153	3	table	table	NOUN
ijtc-591	153	4	above	above	ADV
ijtc-591	153	5	,	,	PUNCT
ijtc-591	153	6	it	it	PRON
ijtc-591	153	7	can	can	AUX
ijtc-591	153	8	be	be	AUX
ijtc-591	153	9	seen	see	VERB
ijtc-591	153	10	that	that	SCONJ
ijtc-591	153	11	only	only	ADV
ijtc-591	153	12	five	five	NUM
ijtc-591	153	13	factors	factor	NOUN
ijtc-591	153	14	are	be	AUX
ijtc-591	153	15	formed	form	VERB
ijtc-591	153	16	.	.	PUNCT
ijtc-591	154	1	because	because	SCONJ
ijtc-591	154	2	with	with	ADP
ijtc-591	154	3	one	one	NUM
ijtc-591	154	4	factor	factor	NOUN
ijtc-591	154	5	,	,	PUNCT
ijtc-591	154	6	the	the	DET
ijtc-591	154	7	eigenvalues	eigenvalue	NOUN
ijtc-591	154	8	are	be	AUX
ijtc-591	154	9	above	above	ADP
ijtc-591	154	10	1	1	NUM
ijtc-591	154	11	(	(	PUNCT
ijtc-591	154	12	5.112	5.112	NUM
ijtc-591	154	13	)	)	PUNCT
ijtc-591	154	14	,	,	PUNCT
ijtc-591	154	15	with	with	ADP
ijtc-591	154	16	two	two	NUM
ijtc-591	154	17	factors	factor	NOUN
ijtc-591	154	18	the	the	DET
ijtc-591	154	19	eigenvalues	eigenvalue	NOUN
ijtc-591	154	20	are	be	AUX
ijtc-591	154	21	still	still	ADV
ijtc-591	154	22	above	above	ADP
ijtc-591	154	23	1	1	NUM
ijtc-591	154	24	(	(	PUNCT
ijtc-591	154	25	1.587	1.587	NUM
ijtc-591	154	26	)	)	PUNCT
ijtc-591	154	27	,	,	PUNCT
ijtc-591	154	28	with	with	ADP
ijtc-591	154	29	factors	factor	NOUN
ijtc-591	154	30	affecting	affect	VERB
ijtc-591	154	31	student	student	NOUN
ijtc-591	154	32	financial	financial	ADJ
ijtc-591	154	33	literacy	literacy	NOUN
ijtc-591	154	34	triana	triana	NOUN
ijtc-591	154	35	and	and	CCONJ
ijtc-591	154	36	ibrohim	ibrohim	PRON
ijtc-591	154	37	430	430	NUM
ijtc-591	154	38	|	|	ADV
ijtc-591	154	39	ilomata	ilomata	NOUN
ijtc-591	154	40	international	international	ADJ
ijtc-591	154	41	journal	journal	NOUN
ijtc-591	154	42	of	of	ADP
ijtc-591	154	43	tax	tax	PROPN
ijtc-591	154	44	&	&	CCONJ
ijtc-591	154	45	accounting	accounting	PROPN
ijtc-591	154	46	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-591	154	47	three	three	NUM
ijtc-591	154	48	factors	factor	NOUN
ijtc-591	154	49	the	the	DET
ijtc-591	154	50	eigenvalues	eigenvalue	NOUN
ijtc-591	154	51	are	be	AUX
ijtc-591	154	52	still	still	ADV
ijtc-591	154	53	above	above	ADP
ijtc-591	154	54	1	1	NUM
ijtc-591	154	55	(	(	PUNCT
ijtc-591	154	56	1.482	1.482	NUM
ijtc-591	154	57	)	)	PUNCT
ijtc-591	154	58	.	.	PUNCT
ijtc-591	155	1	with	with	ADP
ijtc-591	155	2	four	four	NUM
ijtc-591	155	3	factors	factor	NOUN
ijtc-591	155	4	,	,	PUNCT
ijtc-591	155	5	the	the	DET
ijtc-591	155	6	eigenvalues	eigenvalue	NOUN
ijtc-591	155	7	are	be	AUX
ijtc-591	155	8	still	still	ADV
ijtc-591	155	9	above	above	ADP
ijtc-591	155	10	1	1	NUM
ijtc-591	155	11	(	(	PUNCT
ijtc-591	155	12	1,264	1,264	NUM
ijtc-591	155	13	)	)	PUNCT
ijtc-591	155	14	.	.	PUNCT
ijtc-591	156	1	with	with	ADP
ijtc-591	156	2	five	five	NUM
ijtc-591	156	3	factors	factor	NOUN
ijtc-591	156	4	,	,	PUNCT
ijtc-591	156	5	the	the	DET
ijtc-591	156	6	eigenvalues	eigenvalue	NOUN
ijtc-591	156	7	are	be	AUX
ijtc-591	156	8	still	still	ADV
ijtc-591	156	9	above	above	ADP
ijtc-591	156	10	1	1	NUM
ijtc-591	156	11	(	(	PUNCT
ijtc-591	156	12	1,156	1,156	NUM
ijtc-591	156	13	)	)	PUNCT
ijtc-591	156	14	.	.	PUNCT
ijtc-591	157	1	however	however	ADV
ijtc-591	157	2	,	,	PUNCT
ijtc-591	157	3	for	for	ADP
ijtc-591	157	4	six	six	NUM
ijtc-591	157	5	factors	factor	NOUN
ijtc-591	157	6	,	,	PUNCT
ijtc-591	157	7	the	the	DET
ijtc-591	157	8	eigenvalues	eigenvalue	NOUN
ijtc-591	157	9	are	be	AUX
ijtc-591	157	10	already	already	ADV
ijtc-591	157	11	below	below	ADP
ijtc-591	157	12	1	1	NUM
ijtc-591	157	13	(	(	PUNCT
ijtc-591	157	14	0.997	0.997	NUM
ijtc-591	157	15	)	)	PUNCT
ijtc-591	157	16	,	,	PUNCT
ijtc-591	157	17	so	so	CCONJ
ijtc-591	157	18	the	the	DET
ijtc-591	157	19	factoring	factoring	NOUN
ijtc-591	157	20	process	process	NOUN
ijtc-591	157	21	should	should	AUX
ijtc-591	157	22	stop	stop	VERB
ijtc-591	157	23	at	at	ADP
ijtc-591	157	24	only	only	ADV
ijtc-591	157	25	5	5	NUM
ijtc-591	157	26	factors	factor	NOUN
ijtc-591	157	27	.	.	PUNCT
ijtc-591	158	1	if	if	SCONJ
ijtc-591	158	2	the	the	DET
ijtc-591	158	3	total	total	ADJ
ijtc-591	158	4	variance	variance	NOUN
ijtc-591	158	5	table	table	NOUN
ijtc-591	158	6	explains	explain	VERB
ijtc-591	158	7	the	the	DET
ijtc-591	158	8	basic	basic	ADJ
ijtc-591	158	9	number	number	NOUN
ijtc-591	158	10	of	of	ADP
ijtc-591	158	11	factors	factor	NOUN
ijtc-591	158	12	obtained	obtain	VERB
ijtc-591	158	13	by	by	ADP
ijtc-591	158	14	calculating	calculate	VERB
ijtc-591	158	15	numbers	number	NOUN
ijtc-591	158	16	,	,	PUNCT
ijtc-591	158	17	then	then	ADV
ijtc-591	158	18	the	the	DET
ijtc-591	158	19	scree	scree	ADJ
ijtc-591	158	20	plot	plot	NOUN
ijtc-591	158	21	shows	show	VERB
ijtc-591	158	22	this	this	PRON
ijtc-591	158	23	with	with	ADP
ijtc-591	158	24	a	a	DET
ijtc-591	158	25	graph	graph	NOUN
ijtc-591	158	26	.	.	PUNCT
ijtc-591	159	1	it	it	PRON
ijtc-591	159	2	can	can	AUX
ijtc-591	159	3	be	be	AUX
ijtc-591	159	4	seen	see	VERB
ijtc-591	159	5	that	that	SCONJ
ijtc-591	159	6	from	from	ADP
ijtc-591	159	7	one	one	NUM
ijtc-591	159	8	to	to	ADP
ijtc-591	159	9	two	two	NUM
ijtc-591	159	10	factors	factor	NOUN
ijtc-591	159	11	(	(	PUNCT
ijtc-591	159	12	the	the	DET
ijtc-591	159	13	line	line	NOUN
ijtc-591	159	14	from	from	ADP
ijtc-591	159	15	the	the	DET
ijtc-591	159	16	component	component	NOUN
ijtc-591	159	17	number	number	NOUN
ijtc-591	159	18	axis	axis	NOUN
ijtc-591	159	19	=	=	NOUN
ijtc-591	159	20	1	1	NUM
ijtc-591	159	21	to	to	ADP
ijtc-591	159	22	2	2	NUM
ijtc-591	159	23	)	)	PUNCT
ijtc-591	159	24	,	,	PUNCT
ijtc-591	159	25	the	the	DET
ijtc-591	159	26	direction	direction	NOUN
ijtc-591	159	27	of	of	ADP
ijtc-591	159	28	the	the	DET
ijtc-591	159	29	line	line	NOUN
ijtc-591	159	30	decreases	decrease	VERB
ijtc-591	159	31	quite	quite	ADV
ijtc-591	159	32	sharply	sharply	ADV
ijtc-591	159	33	.	.	PUNCT
ijtc-591	160	1	then	then	ADV
ijtc-591	160	2	from	from	ADP
ijtc-591	160	3	number	number	NOUN
ijtc-591	160	4	2	2	NUM
ijtc-591	160	5	to	to	ADP
ijtc-591	160	6	number	number	NOUN
ijtc-591	160	7	3	3	NUM
ijtc-591	160	8	,	,	PUNCT
ijtc-591	160	9	the	the	DET
ijtc-591	160	10	line	line	NOUN
ijtc-591	160	11	is	be	AUX
ijtc-591	160	12	still	still	ADV
ijtc-591	160	13	decreasing	decrease	VERB
ijtc-591	160	14	.	.	PUNCT
ijtc-591	161	1	figure	figure	VERB
ijtc-591	161	2	4.1	4.1	NUM
ijtc-591	161	3	screen	screen	NOUN
ijtc-591	161	4	plot	plot	NOUN
ijtc-591	161	5	likewise	likewise	ADV
ijtc-591	161	6	with	with	ADP
ijtc-591	161	7	number	number	NOUN
ijtc-591	161	8	3	3	NUM
ijtc-591	161	9	to	to	PART
ijtc-591	161	10	number	number	NOUN
ijtc-591	161	11	4	4	NUM
ijtc-591	161	12	,	,	PUNCT
ijtc-591	161	13	but	but	CCONJ
ijtc-591	161	14	now	now	ADV
ijtc-591	161	15	with	with	ADP
ijtc-591	161	16	a	a	DET
ijtc-591	161	17	smaller	small	ADJ
ijtc-591	161	18	slope	slope	NOUN
ijtc-591	161	19	.	.	PUNCT
ijtc-591	162	1	also	also	ADV
ijtc-591	162	2	notice	notice	VERB
ijtc-591	162	3	the	the	DET
ijtc-591	162	4	factor	factor	NOUN
ijtc-591	162	5	6	6	NUM
ijtc-591	162	6	is	be	AUX
ijtc-591	162	7	already	already	ADV
ijtc-591	162	8	below	below	ADP
ijtc-591	162	9	the	the	DET
ijtc-591	162	10	number	number	NOUN
ijtc-591	162	11	1	1	NUM
ijtc-591	162	12	on	on	ADP
ijtc-591	162	13	the	the	DET
ijtc-591	162	14	y	y	PROPN
ijtc-591	162	15	axis	axis	NOUN
ijtc-591	162	16	(	(	PUNCT
ijtc-591	162	17	eigenvalues	eigenvalue	NOUN
ijtc-591	162	18	)	)	PUNCT
ijtc-591	162	19	.	.	PUNCT
ijtc-591	163	1	this	this	PRON
ijtc-591	163	2	shows	show	VERB
ijtc-591	163	3	that	that	SCONJ
ijtc-591	163	4	five	five	NUM
ijtc-591	163	5	factors	factor	NOUN
ijtc-591	163	6	are	be	AUX
ijtc-591	163	7	the	the	DET
ijtc-591	163	8	best	good	ADJ
ijtc-591	163	9	for	for	ADP
ijtc-591	163	10	summarizing	summarize	VERB
ijtc-591	163	11	the	the	DET
ijtc-591	163	12	seventeen	seventeen	NUM
ijtc-591	163	13	variables	variable	NOUN
ijtc-591	163	14	.	.	PUNCT
ijtc-591	164	1	furthermore	furthermore	ADV
ijtc-591	164	2	,	,	PUNCT
ijtc-591	164	3	the	the	DET
ijtc-591	164	4	grouping	grouping	NOUN
ijtc-591	164	5	of	of	ADP
ijtc-591	164	6	variables	variable	NOUN
ijtc-591	164	7	based	base	VERB
ijtc-591	164	8	on	on	ADP
ijtc-591	164	9	the	the	DET
ijtc-591	164	10	loading	loading	NOUN
ijtc-591	164	11	factor	factor	NOUN
ijtc-591	164	12	.	.	PUNCT
ijtc-591	165	1	see	see	VERB
ijtc-591	165	2	the	the	DET
ijtc-591	165	3	table	table	NOUN
ijtc-591	165	4	below	below	ADV
ijtc-591	165	5	:	:	PUNCT
ijtc-591	165	6	table	table	VERB
ijtc-591	165	7	4.5	4.5	NUM
ijtc-591	165	8	output	output	NOUN
ijtc-591	165	9	loading	loading	NOUN
ijtc-591	165	10	factor	factor	NOUN
ijtc-591	165	11	values	value	NOUN
ijtc-591	165	12	(	(	PUNCT
ijtc-591	165	13	rotation	rotation	NOUN
ijtc-591	165	14	factor	factor	NOUN
ijtc-591	165	15	matrix	matrix	NOUN
ijtc-591	165	16	)	)	PUNCT
ijtc-591	165	17	rotated	rotate	VERB
ijtc-591	165	18	component	component	NOUN
ijtc-591	165	19	matrix	matrix	NOUN
ijtc-591	165	20	*	*	PUNCT
ijtc-591	165	21	component	component	NOUN
ijtc-591	165	22	1	1	NUM
ijtc-591	165	23	2	2	NUM
ijtc-591	165	24	3	3	NUM
ijtc-591	165	25	4	4	NUM
ijtc-591	165	26	5	5	NUM
ijtc-591	165	27	manage	manage	NOUN
ijtc-591	165	28	expenses	expense	NOUN
ijtc-591	165	29	.837	.837	NUM
ijtc-591	165	30	0.16	0.16	NUM
ijtc-591	165	31	.175	.175	NUM
ijtc-591	166	1	-.055	-.055	PROPN
ijtc-591	166	2	.140	.140	NUM
ijtc-591	166	3	saving	save	VERB
ijtc-591	166	4	money	money	NOUN
ijtc-591	166	5	.836	.836	NUM
ijtc-591	166	6	.079	.079	NUM
ijtc-591	166	7	-.012	-.012	PROPN
ijtc-591	166	8	.154	.154	NUM
ijtc-591	166	9	-.145	-.145	PROPN
ijtc-591	166	10	save	save	VERB
ijtc-591	166	11	.784	.784	NUM
ijtc-591	166	12	.051	.051	NUM
ijtc-591	166	13	.179	.179	NUM
ijtc-591	166	14	.128	.128	NUM
ijtc-591	166	15	.104	.104	NUM
ijtc-591	167	1	make	make	VERB
ijtc-591	167	2	investment	investment	NOUN
ijtc-591	167	3	.697	.697	NUM
ijtc-591	167	4	.259	.259	NUM
ijtc-591	167	5	-.050	-.050	PROPN
ijtc-591	167	6	-.321	-.321	PROPN
ijtc-591	167	7	.098	.098	NUM
ijtc-591	167	8	general	general	ADJ
ijtc-591	167	9	knowledge	knowledge	NOUN
ijtc-591	167	10	of	of	ADP
ijtc-591	167	11	finance	finance	NOUN
ijtc-591	167	12	.691	.691	NUM
ijtc-591	167	13	.166	.166	NUM
ijtc-591	167	14	.350	.350	NUM
ijtc-591	167	15	.180	.180	NUM
ijtc-591	167	16	.217	.217	NUM
ijtc-591	167	17	type	type	NOUN
ijtc-591	167	18	of	of	ADP
ijtc-591	167	19	work	work	NOUN
ijtc-591	167	20	.580	.580	NUM
ijtc-591	167	21	.437	.437	NUM
ijtc-591	167	22	.320	.320	NUM
ijtc-591	168	1	-.010	-.010	NOUN
ijtc-591	168	2	.000	.000	NUM
ijtc-591	168	3	risk	risk	NOUN
ijtc-591	168	4	management	management	NOUN
ijtc-591	168	5	.472	.472	NUM
ijtc-591	168	6	.276	.276	NUM
ijtc-591	168	7	-.194	-.194	PROPN
ijtc-591	168	8	.041	.041	NUM
ijtc-591	168	9	-.282	-.282	ADJ
ijtc-591	168	10	income	income	NOUN
ijtc-591	168	11	level	level	NOUN
ijtc-591	168	12	.179	.179	NUM
ijtc-591	168	13	.697	.697	NUM
ijtc-591	168	14	.180	.180	NUM
ijtc-591	168	15	-.005	-.005	PROPN
ijtc-591	168	16	-.013	-.013	PROPN
ijtc-591	168	17	insurance	insurance	NOUN
ijtc-591	168	18	.170	.170	NUM
ijtc-591	168	19	.664	.664	NUM
ijtc-591	168	20	-.115	-.115	PROPN
ijtc-591	168	21	-.016	-.016	PRON
ijtc-591	168	22	-.167	-.167	ADJ
ijtc-591	168	23	investment	investment	NOUN
ijtc-591	168	24	-.069	-.069	PROPN
ijtc-591	168	25	.583	.583	NUM
ijtc-591	168	26	.322	.322	NUM
ijtc-591	168	27	.118	.118	NUM
ijtc-591	168	28	.230	.230	NUM
ijtc-591	168	29	student	student	NOUN
ijtc-591	168	30	monthly	monthly	ADJ
ijtc-591	168	31	pocket	pocket	NOUN
ijtc-591	168	32	money	money	NOUN
ijtc-591	168	33	.115	.115	NUM
ijtc-591	168	34	.179	.179	NUM
ijtc-591	168	35	.828	.828	NUM
ijtc-591	168	36	.118	.118	NUM
ijtc-591	169	1	-.084	-.084	PROPN
ijtc-591	169	2	budgeting	budgeting	NOUN
ijtc-591	169	3	.303	.303	NUM
ijtc-591	170	1	-.063	-.063	PROPN
ijtc-591	170	2	.592	.592	NUM
ijtc-591	171	1	-.298	-.298	INTJ
ijtc-591	171	2	-.227	-.227	INTJ
ijtc-591	171	3	level	level	NOUN
ijtc-591	171	4	of	of	ADP
ijtc-591	171	5	education	education	NOUN
ijtc-591	171	6	.145	.145	NUM
ijtc-591	171	7	.390	.390	NUM
ijtc-591	171	8	.039	.039	NUM
ijtc-591	171	9	.645	.645	NUM
ijtc-591	171	10	.067	.067	NUM
ijtc-591	172	1	understanding	understanding	NOUN
ijtc-591	172	2	of	of	ADP
ijtc-591	172	3	material	material	NOUN
ijtc-591	172	4	in	in	ADP
ijtc-591	172	5	finance	finance	NOUN
ijtc-591	172	6	courses	course	NOUN
ijtc-591	172	7	.271	.271	NUM
ijtc-591	172	8	.292	.292	NUM
ijtc-591	172	9	.161	.161	NUM
ijtc-591	172	10	.626	.626	NUM
ijtc-591	172	11	.105	.105	NUM
ijtc-591	172	12	methods	method	NOUN
ijtc-591	172	13	and	and	CCONJ
ijtc-591	172	14	media	medium	NOUN
ijtc-591	172	15	used	use	VERB
ijtc-591	172	16	.148	.148	NUM
ijtc-591	172	17	.392	.392	NUM
ijtc-591	172	18	-.244	-.244	PROPN
ijtc-591	172	19	.466	.466	NUM
ijtc-591	172	20	-.069	-.069	PROPN
ijtc-591	172	21	savings	saving	NOUN
ijtc-591	172	22	and	and	CCONJ
ijtc-591	172	23	loans	loan	NOUN
ijtc-591	172	24	.111	.111	NUM
ijtc-591	172	25	-.079	-.079	PUNCT
ijtc-591	173	1	-.248	-.248	PROPN
ijtc-591	173	2	-.004	-.004	ADJ
ijtc-591	173	3	.845	.845	NUM
ijtc-591	173	4	factors	factor	NOUN
ijtc-591	173	5	affecting	affect	VERB
ijtc-591	173	6	student	student	NOUN
ijtc-591	173	7	financial	financial	ADJ
ijtc-591	173	8	literacy	literacy	NOUN
ijtc-591	173	9	triana	triana	NOUN
ijtc-591	173	10	and	and	CCONJ
ijtc-591	173	11	ibrohim	ibrohim	PRON
ijtc-591	173	12	431	431	NUM
ijtc-591	173	13	|	|	ADV
ijtc-591	173	14	ilomata	ilomata	NOUN
ijtc-591	173	15	international	international	ADJ
ijtc-591	173	16	journal	journal	NOUN
ijtc-591	173	17	of	of	ADP
ijtc-591	173	18	tax	tax	PROPN
ijtc-591	173	19	&	&	CCONJ
ijtc-591	173	20	accounting	account	VERB
ijtc-591	173	21	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-591	173	22	learning	learning	NOUN
ijtc-591	173	23	process	process	NOUN
ijtc-591	173	24	and	and	CCONJ
ijtc-591	173	25	assessment	assessment	NOUN
ijtc-591	173	26	.472	.472	NUM
ijtc-591	173	27	.142	.142	NUM
ijtc-591	174	1	.448	.448	NUM
ijtc-591	174	2	-.038	-.038	NOUN
ijtc-591	174	3	.478	.478	NUM
ijtc-591	174	4	extraction	extraction	NOUN
ijtc-591	174	5	method	method	NOUN
ijtc-591	174	6	:	:	PUNCT
ijtc-591	174	7	principal	principal	ADJ
ijtc-591	174	8	component	component	NOUN
ijtc-591	174	9	analysis	analysis	NOUN
ijtc-591	174	10	.	.	PUNCT
ijtc-591	175	1	rotation	rotation	NOUN
ijtc-591	175	2	method	method	NOUN
ijtc-591	175	3	:	:	PUNCT
ijtc-591	175	4	varimax	varimax	PROPN
ijtc-591	175	5	with	with	ADP
ijtc-591	175	6	kaiser	kaiser	PROPN
ijtc-591	175	7	normalization	normalization	NOUN
ijtc-591	175	8	after	after	ADP
ijtc-591	175	9	knowing	know	VERB
ijtc-591	175	10	that	that	SCONJ
ijtc-591	175	11	the	the	DET
ijtc-591	175	12	five	five	NUM
ijtc-591	175	13	factors	factor	NOUN
ijtc-591	175	14	are	be	AUX
ijtc-591	175	15	the	the	DET
ijtc-591	175	16	most	most	ADV
ijtc-591	175	17	optimal	optimal	ADJ
ijtc-591	175	18	number	number	NOUN
ijtc-591	175	19	,	,	PUNCT
ijtc-591	175	20	the	the	DET
ijtc-591	175	21	component	component	NOUN
ijtc-591	175	22	matrix	matrix	NOUN
ijtc-591	175	23	table	table	NOUN
ijtc-591	175	24	shows	show	VERB
ijtc-591	175	25	the	the	DET
ijtc-591	175	26	distribution	distribution	NOUN
ijtc-591	175	27	of	of	ADP
ijtc-591	175	28	the	the	DET
ijtc-591	175	29	sixteen	sixteen	NUM
ijtc-591	175	30	variables	variable	NOUN
ijtc-591	175	31	in	in	ADP
ijtc-591	175	32	the	the	DET
ijtc-591	175	33	five	five	NUM
ijtc-591	175	34	formed	form	VERB
ijtc-591	175	35	factors	factor	NOUN
ijtc-591	175	36	.	.	PUNCT
ijtc-591	176	1	while	while	SCONJ
ijtc-591	176	2	the	the	DET
ijtc-591	176	3	numbers	number	NOUN
ijtc-591	176	4	in	in	ADP
ijtc-591	176	5	the	the	DET
ijtc-591	176	6	table	table	NOUN
ijtc-591	176	7	are	be	AUX
ijtc-591	176	8	factor	factor	NOUN
ijtc-591	176	9	loadings	loading	NOUN
ijtc-591	176	10	,	,	PUNCT
ijtc-591	176	11	which	which	PRON
ijtc-591	176	12	show	show	VERB
ijtc-591	176	13	the	the	DET
ijtc-591	176	14	magnitude	magnitude	NOUN
ijtc-591	176	15	of	of	ADP
ijtc-591	176	16	the	the	DET
ijtc-591	176	17	correlation	correlation	NOUN
ijtc-591	176	18	between	between	ADP
ijtc-591	176	19	a	a	DET
ijtc-591	176	20	variable	variable	NOUN
ijtc-591	176	21	and	and	CCONJ
ijtc-591	176	22	factor	factor	NOUN
ijtc-591	176	23	1	1	NUM
ijtc-591	176	24	,	,	PUNCT
ijtc-591	176	25	factor	factor	NOUN
ijtc-591	176	26	2	2	NUM
ijtc-591	176	27	,	,	PUNCT
ijtc-591	176	28	factor	factor	NOUN
ijtc-591	176	29	3	3	NUM
ijtc-591	176	30	,	,	PUNCT
ijtc-591	176	31	factor	factor	NOUN
ijtc-591	176	32	4	4	NUM
ijtc-591	176	33	,	,	PUNCT
ijtc-591	176	34	or	or	CCONJ
ijtc-591	176	35	factor	factor	NOUN
ijtc-591	176	36	5	5	NUM
ijtc-591	176	37	.	.	PUNCT
ijtc-591	177	1	the	the	DET
ijtc-591	177	2	process	process	NOUN
ijtc-591	177	3	of	of	ADP
ijtc-591	177	4	determining	determine	VERB
ijtc-591	177	5	which	which	DET
ijtc-591	177	6	variable	variable	NOUN
ijtc-591	177	7	will	will	AUX
ijtc-591	177	8	enter	enter	VERB
ijtc-591	177	9	which	which	DET
ijtc-591	177	10	factor	factor	NOUN
ijtc-591	177	11	is	be	AUX
ijtc-591	177	12	carried	carry	VERB
ijtc-591	177	13	out	out	ADP
ijtc-591	177	14	by	by	ADP
ijtc-591	177	15	perform	perform	VERB
ijtc-591	177	16	a	a	DET
ijtc-591	177	17	large	large	ADJ
ijtc-591	177	18	comparison	comparison	NOUN
ijtc-591	177	19	of	of	ADP
ijtc-591	177	20	correlations	correlation	NOUN
ijtc-591	177	21	on	on	ADP
ijtc-591	177	22	each	each	DET
ijtc-591	177	23	row	row	NOUN
ijtc-591	177	24	.	.	PUNCT
ijtc-591	178	1	the	the	DET
ijtc-591	178	2	results	result	NOUN
ijtc-591	178	3	of	of	ADP
ijtc-591	178	4	grouping	group	VERB
ijtc-591	178	5	the	the	DET
ijtc-591	178	6	variables	variable	NOUN
ijtc-591	178	7	into	into	ADP
ijtc-591	178	8	each	each	DET
ijtc-591	178	9	factor	factor	NOUN
ijtc-591	178	10	after	after	ADP
ijtc-591	178	11	being	be	AUX
ijtc-591	178	12	rotated	rotate	VERB
ijtc-591	178	13	using	use	VERB
ijtc-591	178	14	the	the	DET
ijtc-591	178	15	varimax	varimax	ADJ
ijtc-591	178	16	method	method	NOUN
ijtc-591	178	17	,	,	PUNCT
ijtc-591	178	18	so	so	SCONJ
ijtc-591	178	19	that	that	SCONJ
ijtc-591	178	20	it	it	PRON
ijtc-591	178	21	can	can	AUX
ijtc-591	178	22	clearly	clearly	ADV
ijtc-591	178	23	be	be	AUX
ijtc-591	178	24	seen	see	VERB
ijtc-591	178	25	that	that	SCONJ
ijtc-591	178	26	the	the	DET
ijtc-591	178	27	members	member	NOUN
ijtc-591	178	28	of	of	ADP
ijtc-591	178	29	the	the	DET
ijtc-591	178	30	variables	variable	NOUN
ijtc-591	178	31	in	in	ADP
ijtc-591	178	32	factor	factor	NOUN
ijtc-591	178	33	1	1	NUM
ijtc-591	178	34	,	,	PUNCT
ijtc-591	178	35	factor	factor	NOUN
ijtc-591	178	36	2	2	NUM
ijtc-591	178	37	,	,	PUNCT
ijtc-591	178	38	to	to	PART
ijtc-591	178	39	factor	factor	VERB
ijtc-591	178	40	5	5	NUM
ijtc-591	178	41	.	.	PUNCT
ijtc-591	178	42	in	in	ADP
ijtc-591	178	43	detail	detail	NOUN
ijtc-591	178	44	,	,	PUNCT
ijtc-591	178	45	the	the	DET
ijtc-591	178	46	factors	factor	NOUN
ijtc-591	178	47	formed	form	VERB
ijtc-591	178	48	are	be	AUX
ijtc-591	178	49	described	describe	VERB
ijtc-591	178	50	as	as	ADP
ijtc-591	178	51	follows	follow	VERB
ijtc-591	178	52	:	:	PUNCT
ijtc-591	178	53	table	table	NOUN
ijtc-591	178	54	4.6	4.6	NUM
ijtc-591	178	55	factors	factor	NOUN
ijtc-591	178	56	formed	form	VERB
ijtc-591	178	57	factor	factor	NOUN
ijtc-591	178	58	1	1	NUM
ijtc-591	178	59	factor	factor	NOUN
ijtc-591	178	60	2	2	NUM
ijtc-591	178	61	factor	factor	NOUN
ijtc-591	178	62	3	3	NUM
ijtc-591	178	63	factor	factor	NOUN
ijtc-591	178	64	4	4	NUM
ijtc-591	178	65	factor	factor	NOUN
ijtc-591	178	66	5	5	NUM
ijtc-591	178	67	manage	manage	NOUN
ijtc-591	178	68	expenses	expense	NOUN
ijtc-591	178	69	income	income	NOUN
ijtc-591	178	70	level	level	NOUN
ijtc-591	178	71	student	student	NOUN
ijtc-591	178	72	monthly	monthly	ADJ
ijtc-591	178	73	pocket	pocket	NOUN
ijtc-591	178	74	money	money	NOUN
ijtc-591	178	75	level	level	NOUN
ijtc-591	178	76	of	of	ADP
ijtc-591	178	77	education	education	NOUN
ijtc-591	178	78	savings	saving	NOUN
ijtc-591	178	79	and	and	CCONJ
ijtc-591	178	80	loans	loan	NOUN
ijtc-591	178	81	saving	save	VERB
ijtc-591	178	82	money	money	NOUN
ijtc-591	178	83	insurance	insurance	NOUN
ijtc-591	178	84	budgeting	budgeting	NOUN
ijtc-591	178	85	understanding	understanding	NOUN
ijtc-591	178	86	of	of	ADP
ijtc-591	178	87	material	material	NOUN
ijtc-591	178	88	in	in	ADP
ijtc-591	178	89	finance	finance	NOUN
ijtc-591	178	90	courses	course	NOUN
ijtc-591	178	91	learning	learn	VERB
ijtc-591	178	92	process	process	NOUN
ijtc-591	178	93	and	and	CCONJ
ijtc-591	178	94	assessment	assessment	NOUN
ijtc-591	178	95	save	save	VERB
ijtc-591	178	96	investment	investment	NOUN
ijtc-591	178	97	methods	method	NOUN
ijtc-591	178	98	and	and	CCONJ
ijtc-591	178	99	media	medium	NOUN
ijtc-591	178	100	used	use	VERB
ijtc-591	178	101	make	make	VERB
ijtc-591	178	102	investment	investment	NOUN
ijtc-591	178	103	general	general	ADJ
ijtc-591	178	104	knowledge	knowledge	NOUN
ijtc-591	178	105	of	of	ADP
ijtc-591	178	106	finance	finance	NOUN
ijtc-591	178	107	type	type	NOUN
ijtc-591	178	108	of	of	ADP
ijtc-591	178	109	work	work	NOUN
ijtc-591	178	110	risk	risk	NOUN
ijtc-591	178	111	management	management	NOUN
ijtc-591	178	112	the	the	DET
ijtc-591	178	113	next	next	ADJ
ijtc-591	178	114	step	step	NOUN
ijtc-591	178	115	is	be	AUX
ijtc-591	178	116	factor	factor	NOUN
ijtc-591	178	117	interpretation	interpretation	NOUN
ijtc-591	178	118	.	.	PUNCT
ijtc-591	179	1	from	from	ADP
ijtc-591	179	2	the	the	DET
ijtc-591	179	3	above	above	ADJ
ijtc-591	179	4	analysis	analysis	NOUN
ijtc-591	179	5	,	,	PUNCT
ijtc-591	179	6	it	it	PRON
ijtc-591	179	7	can	can	AUX
ijtc-591	179	8	be	be	AUX
ijtc-591	179	9	concluded	conclude	VERB
ijtc-591	179	10	:	:	PUNCT
ijtc-591	179	11	1	1	X
ijtc-591	179	12	.	.	X
ijtc-591	179	13	factor	factor	NOUN
ijtc-591	179	14	one	one	NUM
ijtc-591	179	15	:	:	PUNCT
ijtc-591	179	16	consists	consist	VERB
ijtc-591	179	17	of	of	ADP
ijtc-591	179	18	variables	variable	NOUN
ijtc-591	179	19	managing	manage	VERB
ijtc-591	179	20	expenses	expense	NOUN
ijtc-591	179	21	,	,	PUNCT
ijtc-591	179	22	saving	save	VERB
ijtc-591	179	23	money	money	NOUN
ijtc-591	179	24	,	,	PUNCT
ijtc-591	179	25	saving	saving	NOUN
ijtc-591	179	26	,	,	PUNCT
ijtc-591	179	27	investing	investing	NOUN
ijtc-591	179	28	,	,	PUNCT
ijtc-591	179	29	general	general	ADJ
ijtc-591	179	30	knowledge	knowledge	NOUN
ijtc-591	179	31	of	of	ADP
ijtc-591	179	32	finance	finance	NOUN
ijtc-591	179	33	,	,	PUNCT
ijtc-591	179	34	type	type	NOUN
ijtc-591	179	35	of	of	ADP
ijtc-591	179	36	work	work	NOUN
ijtc-591	179	37	,	,	PUNCT
ijtc-591	179	38	and	and	CCONJ
ijtc-591	179	39	risk	risk	NOUN
ijtc-591	179	40	management	management	NOUN
ijtc-591	179	41	.	.	PUNCT
ijtc-591	180	1	based	base	VERB
ijtc-591	180	2	on	on	ADP
ijtc-591	180	3	these	these	DET
ijtc-591	180	4	variables	variable	NOUN
ijtc-591	180	5	,	,	PUNCT
ijtc-591	180	6	the	the	DET
ijtc-591	180	7	first	first	ADJ
ijtc-591	180	8	factor	factor	NOUN
ijtc-591	180	9	is	be	AUX
ijtc-591	180	10	called	call	VERB
ijtc-591	180	11	the	the	DET
ijtc-591	180	12	management	management	NOUN
ijtc-591	180	13	factor	factor	NOUN
ijtc-591	180	14	.	.	PUNCT
ijtc-591	181	1	2	2	X
ijtc-591	181	2	.	.	X
ijtc-591	181	3	factor	factor	NOUN
ijtc-591	181	4	two	two	NUM
ijtc-591	181	5	:	:	PUNCT
ijtc-591	181	6	consists	consist	VERB
ijtc-591	181	7	of	of	ADP
ijtc-591	181	8	variables	variable	NOUN
ijtc-591	181	9	of	of	ADP
ijtc-591	181	10	income	income	NOUN
ijtc-591	181	11	level	level	NOUN
ijtc-591	181	12	,	,	PUNCT
ijtc-591	181	13	insurance	insurance	NOUN
ijtc-591	181	14	,	,	PUNCT
ijtc-591	181	15	and	and	CCONJ
ijtc-591	181	16	investment	investment	NOUN
ijtc-591	181	17	.	.	PUNCT
ijtc-591	182	1	based	base	VERB
ijtc-591	182	2	on	on	ADP
ijtc-591	182	3	these	these	DET
ijtc-591	182	4	variables	variable	NOUN
ijtc-591	182	5	,	,	PUNCT
ijtc-591	182	6	the	the	DET
ijtc-591	182	7	second	second	ADJ
ijtc-591	182	8	factor	factor	NOUN
ijtc-591	182	9	is	be	AUX
ijtc-591	182	10	called	call	VERB
ijtc-591	182	11	the	the	DET
ijtc-591	182	12	income	income	NOUN
ijtc-591	182	13	factor	factor	NOUN
ijtc-591	182	14	.	.	PUNCT
ijtc-591	183	1	3	3	X
ijtc-591	183	2	.	.	X
ijtc-591	183	3	the	the	DET
ijtc-591	183	4	third	third	ADJ
ijtc-591	183	5	factor	factor	NOUN
ijtc-591	183	6	consists	consist	VERB
ijtc-591	183	7	of	of	ADP
ijtc-591	183	8	the	the	DET
ijtc-591	183	9	variables	variable	NOUN
ijtc-591	183	10	of	of	ADP
ijtc-591	183	11	student	student	NOUN
ijtc-591	183	12	monthly	monthly	ADJ
ijtc-591	183	13	pocket	pocket	NOUN
ijtc-591	183	14	money	money	NOUN
ijtc-591	183	15	and	and	CCONJ
ijtc-591	183	16	budgeting	budgeting	NOUN
ijtc-591	183	17	.	.	PUNCT
ijtc-591	184	1	based	base	VERB
ijtc-591	184	2	on	on	ADP
ijtc-591	184	3	these	these	DET
ijtc-591	184	4	variables	variable	NOUN
ijtc-591	184	5	,	,	PUNCT
ijtc-591	184	6	the	the	DET
ijtc-591	184	7	third	third	ADJ
ijtc-591	184	8	factor	factor	NOUN
ijtc-591	184	9	is	be	AUX
ijtc-591	184	10	called	call	VERB
ijtc-591	184	11	the	the	DET
ijtc-591	184	12	budgeting	budgeting	ADJ
ijtc-591	184	13	factor	factor	NOUN
ijtc-591	184	14	.	.	PUNCT
ijtc-591	185	1	4	4	X
ijtc-591	185	2	.	.	X
ijtc-591	185	3	the	the	DET
ijtc-591	185	4	fourth	fourth	ADJ
ijtc-591	185	5	factor	factor	NOUN
ijtc-591	185	6	consists	consist	VERB
ijtc-591	185	7	of	of	ADP
ijtc-591	185	8	variables	variable	NOUN
ijtc-591	185	9	of	of	ADP
ijtc-591	185	10	education	education	NOUN
ijtc-591	185	11	level	level	NOUN
ijtc-591	185	12	,	,	PUNCT
ijtc-591	185	13	understanding	understanding	NOUN
ijtc-591	185	14	of	of	ADP
ijtc-591	185	15	materials	material	NOUN
ijtc-591	185	16	in	in	ADP
ijtc-591	185	17	finance	finance	NOUN
ijtc-591	185	18	courses	course	NOUN
ijtc-591	185	19	,	,	PUNCT
ijtc-591	185	20	and	and	CCONJ
ijtc-591	185	21	methods	method	NOUN
ijtc-591	185	22	and	and	CCONJ
ijtc-591	185	23	media	medium	NOUN
ijtc-591	185	24	used	use	VERB
ijtc-591	185	25	.	.	PUNCT
ijtc-591	186	1	based	base	VERB
ijtc-591	186	2	on	on	ADP
ijtc-591	186	3	these	these	DET
ijtc-591	186	4	variables	variable	NOUN
ijtc-591	186	5	,	,	PUNCT
ijtc-591	186	6	the	the	DET
ijtc-591	186	7	fourth	fourth	ADJ
ijtc-591	186	8	factor	factor	NOUN
ijtc-591	186	9	is	be	AUX
ijtc-591	186	10	called	call	VERB
ijtc-591	186	11	the	the	DET
ijtc-591	186	12	education	education	NOUN
ijtc-591	186	13	factor	factor	NOUN
ijtc-591	186	14	.	.	PUNCT
ijtc-591	187	1	5	5	X
ijtc-591	187	2	.	.	X
ijtc-591	187	3	the	the	DET
ijtc-591	187	4	fifth	fifth	ADJ
ijtc-591	187	5	factor	factor	NOUN
ijtc-591	187	6	consists	consist	VERB
ijtc-591	187	7	of	of	ADP
ijtc-591	187	8	the	the	DET
ijtc-591	187	9	variables	variable	NOUN
ijtc-591	187	10	of	of	ADP
ijtc-591	187	11	savings	saving	NOUN
ijtc-591	187	12	and	and	CCONJ
ijtc-591	187	13	loans	loan	NOUN
ijtc-591	187	14	,	,	PUNCT
ijtc-591	187	15	learning	learning	NOUN
ijtc-591	187	16	process	process	NOUN
ijtc-591	187	17	and	and	CCONJ
ijtc-591	187	18	assessment	assessment	NOUN
ijtc-591	187	19	.	.	PUNCT
ijtc-591	188	1	based	base	VERB
ijtc-591	188	2	on	on	ADP
ijtc-591	188	3	these	these	DET
ijtc-591	188	4	variables	variable	NOUN
ijtc-591	188	5	,	,	PUNCT
ijtc-591	188	6	the	the	DET
ijtc-591	188	7	fifth	fifth	ADJ
ijtc-591	188	8	factor	factor	NOUN
ijtc-591	188	9	is	be	AUX
ijtc-591	188	10	called	call	VERB
ijtc-591	188	11	the	the	DET
ijtc-591	188	12	planning	planning	NOUN
ijtc-591	188	13	factor	factor	NOUN
ijtc-591	188	14	.	.	PUNCT
ijtc-591	189	1	conclusion	conclusion	NOUN
ijtc-591	189	2	based	base	VERB
ijtc-591	189	3	on	on	ADP
ijtc-591	189	4	the	the	DET
ijtc-591	189	5	results	result	NOUN
ijtc-591	189	6	of	of	ADP
ijtc-591	189	7	the	the	DET
ijtc-591	189	8	analysis	analysis	NOUN
ijtc-591	189	9	and	and	CCONJ
ijtc-591	189	10	discussion	discussion	NOUN
ijtc-591	189	11	of	of	ADP
ijtc-591	189	12	the	the	DET
ijtc-591	189	13	factors	factor	NOUN
ijtc-591	189	14	that	that	PRON
ijtc-591	189	15	affect	affect	VERB
ijtc-591	189	16	the	the	DET
ijtc-591	189	17	financial	financial	ADJ
ijtc-591	189	18	literacy	literacy	NOUN
ijtc-591	189	19	of	of	ADP
ijtc-591	189	20	university	university	NOUN
ijtc-591	189	21	students	student	NOUN
ijtc-591	189	22	,	,	PUNCT
ijtc-591	189	23	it	it	PRON
ijtc-591	189	24	can	can	AUX
ijtc-591	189	25	be	be	AUX
ijtc-591	189	26	concluded	conclude	VERB
ijtc-591	189	27	that	that	SCONJ
ijtc-591	189	28	of	of	ADP
ijtc-591	189	29	the	the	DET
ijtc-591	189	30	seventeen	seventeen	NUM
ijtc-591	189	31	variables	variable	NOUN
ijtc-591	189	32	studied	study	VERB
ijtc-591	189	33	by	by	ADP
ijtc-591	189	34	the	the	DET
ijtc-591	189	35	factoring	factoring	NOUN
ijtc-591	189	36	process	process	NOUN
ijtc-591	189	37	,	,	PUNCT
ijtc-591	189	38	it	it	PRON
ijtc-591	189	39	can	can	AUX
ijtc-591	189	40	be	be	AUX
ijtc-591	189	41	reduced	reduce	VERB
ijtc-591	189	42	to	to	ADP
ijtc-591	189	43	five	five	NUM
ijtc-591	189	44	factors	factor	NOUN
ijtc-591	189	45	that	that	PRON
ijtc-591	189	46	affect	affect	VERB
ijtc-591	189	47	student	student	NOUN
ijtc-591	189	48	financial	financial	ADJ
ijtc-591	189	49	literacy	literacy	NOUN
ijtc-591	189	50	,	,	PUNCT
ijtc-591	189	51	namely	namely	ADV
ijtc-591	189	52	factors	factor	NOUN
ijtc-591	189	53	affecting	affect	VERB
ijtc-591	189	54	student	student	NOUN
ijtc-591	189	55	financial	financial	ADJ
ijtc-591	189	56	literacy	literacy	NOUN
ijtc-591	189	57	triana	triana	NOUN
ijtc-591	189	58	and	and	CCONJ
ijtc-591	189	59	ibrohim	ibrohim	PRON
ijtc-591	190	1	432	432	NUM
ijtc-591	190	2	|	|	ADV
ijtc-591	190	3	ilomata	ilomata	VERB
ijtc-591	190	4	international	international	ADJ
ijtc-591	190	5	journal	journal	NOUN
ijtc-591	190	6	of	of	ADP
ijtc-591	190	7	tax	tax	PROPN
ijtc-591	190	8	&	&	CCONJ
ijtc-591	190	9	accounting	account	VERB
ijtc-591	190	10	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-591	190	11	first	first	ADV
ijtc-591	190	12	,	,	PUNCT
ijtc-591	190	13	the	the	DET
ijtc-591	190	14	management	management	NOUN
ijtc-591	190	15	factor	factor	NOUN
ijtc-591	190	16	which	which	PRON
ijtc-591	190	17	consists	consist	VERB
ijtc-591	190	18	of	of	ADP
ijtc-591	190	19	managing	manage	VERB
ijtc-591	190	20	finances	finance	NOUN
ijtc-591	190	21	,	,	PUNCT
ijtc-591	190	22	saving	saving	NOUN
ijtc-591	190	23	,	,	PUNCT
ijtc-591	190	24	investing	investing	NOUN
ijtc-591	190	25	,	,	PUNCT
ijtc-591	190	26	general	general	ADJ
ijtc-591	190	27	knowledge	knowledge	NOUN
ijtc-591	190	28	of	of	ADP
ijtc-591	190	29	finance	finance	NOUN
ijtc-591	190	30	,	,	PUNCT
ijtc-591	190	31	types	type	NOUN
ijtc-591	190	32	of	of	ADP
ijtc-591	190	33	work	work	NOUN
ijtc-591	190	34	,	,	PUNCT
ijtc-591	190	35	risk	risk	NOUN
ijtc-591	190	36	management	management	NOUN
ijtc-591	190	37	.	.	PUNCT
ijtc-591	191	1	second	second	ADJ
ijtc-591	191	2	,	,	PUNCT
ijtc-591	191	3	income	income	NOUN
ijtc-591	191	4	factor	factor	NOUN
ijtc-591	191	5	which	which	PRON
ijtc-591	191	6	consists	consist	VERB
ijtc-591	191	7	of	of	ADP
ijtc-591	191	8	income	income	NOUN
ijtc-591	191	9	,	,	PUNCT
ijtc-591	191	10	insurance	insurance	NOUN
ijtc-591	191	11	.	.	PUNCT
ijtc-591	192	1	third	third	ADJ
ijtc-591	192	2	,	,	PUNCT
ijtc-591	192	3	the	the	DET
ijtc-591	192	4	budgeting	budgeting	ADJ
ijtc-591	192	5	factor	factor	NOUN
ijtc-591	192	6	which	which	PRON
ijtc-591	192	7	consists	consist	VERB
ijtc-591	192	8	of	of	ADP
ijtc-591	192	9	the	the	DET
ijtc-591	192	10	student	student	NOUN
ijtc-591	192	11	's	's	PART
ijtc-591	192	12	monthly	monthly	ADJ
ijtc-591	192	13	pocket	pocket	NOUN
ijtc-591	192	14	money	money	NOUN
ijtc-591	192	15	and	and	CCONJ
ijtc-591	192	16	budgeting	budgeting	NOUN
ijtc-591	192	17	.	.	PUNCT
ijtc-591	193	1	fourth	fourth	ADV
ijtc-591	193	2	,	,	PUNCT
ijtc-591	193	3	the	the	DET
ijtc-591	193	4	education	education	NOUN
ijtc-591	193	5	factor	factor	NOUN
ijtc-591	193	6	which	which	PRON
ijtc-591	193	7	consists	consist	VERB
ijtc-591	193	8	of	of	ADP
ijtc-591	193	9	the	the	DET
ijtc-591	193	10	level	level	NOUN
ijtc-591	193	11	of	of	ADP
ijtc-591	193	12	education	education	NOUN
ijtc-591	193	13	,	,	PUNCT
ijtc-591	193	14	understanding	understanding	NOUN
ijtc-591	193	15	of	of	ADP
ijtc-591	193	16	the	the	DET
ijtc-591	193	17	material	material	NOUN
ijtc-591	193	18	in	in	ADP
ijtc-591	193	19	finance	finance	NOUN
ijtc-591	193	20	courses	course	NOUN
ijtc-591	193	21	,	,	PUNCT
ijtc-591	193	22	methods	method	NOUN
ijtc-591	193	23	and	and	CCONJ
ijtc-591	193	24	media	medium	NOUN
ijtc-591	193	25	used	use	VERB
ijtc-591	193	26	.	.	PUNCT
ijtc-591	194	1	the	the	DET
ijtc-591	194	2	five	five	NUM
ijtc-591	194	3	planning	planning	NOUN
ijtc-591	194	4	factors	factor	NOUN
ijtc-591	194	5	consist	consist	VERB
ijtc-591	194	6	of	of	ADP
ijtc-591	194	7	savings	saving	NOUN
ijtc-591	194	8	and	and	CCONJ
ijtc-591	194	9	loans	loan	NOUN
ijtc-591	194	10	,	,	PUNCT
ijtc-591	194	11	learning	learn	VERB
ijtc-591	194	12	processes	process	NOUN
ijtc-591	194	13	and	and	CCONJ
ijtc-591	194	14	assessments	assessment	NOUN
ijtc-591	194	15	.	.	PUNCT
ijtc-591	195	1	reference	reference	NOUN
ijtc-591	195	2	amagir	amagir	PROPN
ijtc-591	195	3	,	,	PUNCT
ijtc-591	195	4	a.	a.	PROPN
ijtc-591	195	5	,	,	PUNCT
ijtc-591	195	6	groot	groot	PROPN
ijtc-591	195	7	,	,	PUNCT
ijtc-591	195	8	w.	w.	PROPN
ijtc-591	195	9	,	,	PUNCT
ijtc-591	195	10	van	van	PROPN
ijtc-591	195	11	den	den	PROPN
ijtc-591	195	12	brink	brink	NOUN
ijtc-591	195	13	,	,	PUNCT
ijtc-591	195	14	h.	h.	PROPN
ijtc-591	195	15	m.	m.	PROPN
ijtc-591	195	16	,	,	PUNCT
ijtc-591	195	17	&	&	CCONJ
ijtc-591	195	18	wilschut	wilschut	PROPN
ijtc-591	195	19	,	,	PUNCT
ijtc-591	195	20	a.	a.	NOUN
ijtc-591	195	21	(	(	PUNCT
ijtc-591	195	22	2020	2020	NUM
ijtc-591	195	23	)	)	PUNCT
ijtc-591	195	24	.	.	PUNCT
ijtc-591	196	1	financial	financial	ADJ
ijtc-591	196	2	literacy	literacy	NOUN
ijtc-591	196	3	of	of	ADP
ijtc-591	196	4	high	high	ADJ
ijtc-591	196	5	school	school	NOUN
ijtc-591	196	6	students	student	NOUN
ijtc-591	196	7	in	in	ADP
ijtc-591	196	8	the	the	DET
ijtc-591	196	9	netherlands	netherlands	PROPN
ijtc-591	196	10	:	:	PUNCT
ijtc-591	196	11	knowledge	knowledge	NOUN
ijtc-591	196	12	,	,	PUNCT
ijtc-591	196	13	attitudes	attitude	NOUN
ijtc-591	196	14	,	,	PUNCT
ijtc-591	196	15	self	self	NOUN
ijtc-591	196	16	-	-	PUNCT
ijtc-591	196	17	efficacy	efficacy	NOUN
ijtc-591	196	18	,	,	PUNCT
ijtc-591	196	19	and	and	CCONJ
ijtc-591	196	20	behavior	behavior	NOUN
ijtc-591	196	21	.	.	PUNCT
ijtc-591	197	1	international	international	ADJ
ijtc-591	197	2	review	review	NOUN
ijtc-591	197	3	of	of	ADP
ijtc-591	197	4	economics	economic	NOUN
ijtc-591	197	5	education	education	NOUN
ijtc-591	197	6	,	,	PUNCT
ijtc-591	197	7	34	34	NUM
ijtc-591	197	8	,	,	PUNCT
ijtc-591	197	9	100185	100185	NUM
ijtc-591	197	10	.	.	PUNCT
ijtc-591	198	1	https://doi.org/10.1016/j.iree.2020.100185	https://doi.org/10.1016/j.iree.2020.100185	PROPN
ijtc-591	198	2	badan	badan	PROPN
ijtc-591	198	3	standar	standar	PROPN
ijtc-591	198	4	kurikulum	kurikulum	PROPN
ijtc-591	198	5	dan	dan	PROPN
ijtc-591	198	6	asesmen	asesmen	PROPN
ijtc-591	198	7	pendidikan	pendidikan	PROPN
ijtc-591	198	8	.	.	PUNCT
ijtc-591	199	1	(	(	PUNCT
ijtc-591	199	2	2018	2018	NUM
ijtc-591	199	3	)	)	PUNCT
ijtc-591	199	4	.	.	PUNCT
ijtc-591	200	1	laporan	laporan	ADJ
ijtc-591	200	2	nasional	nasional	PROPN
ijtc-591	200	3	pisa	pisa	PROPN
ijtc-591	200	4	2018	2018	NUM
ijtc-591	200	5	indonesia	indonesia	PROPN
ijtc-591	200	6	.	.	PUNCT
ijtc-591	201	1	in	in	ADP
ijtc-591	201	2	kementerian	kementerian	PROPN
ijtc-591	201	3	pendidikan	pendidikan	PROPN
ijtc-591	201	4	,	,	PUNCT
ijtc-591	201	5	kebudayaan	kebudayaan	PROPN
ijtc-591	201	6	,	,	PUNCT
ijtc-591	201	7	riset	riset	PROPN
ijtc-591	201	8	,	,	PUNCT
ijtc-591	201	9	dan	dan	PROPN
ijtc-591	201	10	teknologi	teknologi	PROPN
ijtc-591	201	11	.	.	PUNCT
ijtc-591	202	1	https://simpandata.kemdikbud.go.id/index.php/s/tlbwam6zaggbofk	https://simpandata.kemdikbud.go.id/index.php/s/tlbwam6zaggbofk	NOUN
ijtc-591	202	2	budiarti	budiarti	NOUN
ijtc-591	202	3	,	,	PUNCT
ijtc-591	202	4	h.	h.	PROPN
ijtc-591	202	5	n.	n.	PROPN
ijtc-591	202	6	,	,	PUNCT
ijtc-591	202	7	&	&	CCONJ
ijtc-591	202	8	setyaningsih	setyaningsih	PROPN
ijtc-591	202	9	,	,	PUNCT
ijtc-591	202	10	p.	p.	PROPN
ijtc-591	202	11	r.	r.	PROPN
ijtc-591	202	12	(	(	PUNCT
ijtc-591	202	13	2021	2021	NUM
ijtc-591	202	14	)	)	PUNCT
ijtc-591	202	15	.	.	PUNCT
ijtc-591	203	1	tingkat	tingkat	PROPN
ijtc-591	203	2	literasi	literasi	PROPN
ijtc-591	203	3	keuangan	keuangan	PROPN
ijtc-591	203	4	mahasiswa	mahasiswa	PROPN
ijtc-591	203	5	universitas	universita	NOUN
ijtc-591	203	6	darma	darma	PROPN
ijtc-591	203	7	persada	persada	PROPN
ijtc-591	203	8	dan	dan	PROPN
ijtc-591	203	9	faktor	faktor	PROPN
ijtc-591	203	10	-	-	PUNCT
ijtc-591	203	11	faktor	faktor	PROPN
ijtc-591	203	12	yang	yang	PROPN
ijtc-591	203	13	mempengaruhinya	mempengaruhinya	PROPN
ijtc-591	203	14	.	.	PUNCT
ijtc-591	204	1	jurnal	jurnal	PROPN
ijtc-591	204	2	ekonomi	ekonomi	PROPN
ijtc-591	204	3	dan	dan	PROPN
ijtc-591	204	4	industri	industri	PROPN
ijtc-591	204	5	,	,	PUNCT
ijtc-591	204	6	22(3	22(3	NUM
ijtc-591	204	7	)	)	PUNCT
ijtc-591	204	8	.	.	PUNCT
ijtc-591	205	1	https://doi.org/10.35137/jei.v22i3.618	https://doi.org/10.35137/jei.v22i3.618	NOUN
ijtc-591	205	2	byrne	byrne	PROPN
ijtc-591	205	3	,	,	PUNCT
ijtc-591	205	4	a.	a.	NOUN
ijtc-591	205	5	(	(	PUNCT
ijtc-591	205	6	2007	2007	NUM
ijtc-591	205	7	)	)	PUNCT
ijtc-591	205	8	.	.	PUNCT
ijtc-591	206	1	employee	employee	NOUN
ijtc-591	206	2	saving	saving	NOUN
ijtc-591	206	3	and	and	CCONJ
ijtc-591	206	4	investment	investment	NOUN
ijtc-591	206	5	decisions	decision	NOUN
ijtc-591	206	6	in	in	ADP
ijtc-591	206	7	defined	define	VERB
ijtc-591	206	8	contribution	contribution	NOUN
ijtc-591	206	9	pension	pension	NOUN
ijtc-591	206	10	plans	plan	NOUN
ijtc-591	206	11	:	:	PUNCT
ijtc-591	206	12	survey	survey	VERB
ijtc-591	206	13	evidence	evidence	NOUN
ijtc-591	206	14	from	from	ADP
ijtc-591	206	15	the	the	DET
ijtc-591	206	16	uk	uk	PROPN
ijtc-591	206	17	.	.	PROPN
ijtc-591	206	18	financial	financial	PROPN
ijtc-591	206	19	services	services	PROPN
ijtc-591	206	20	review	review	PROPN
ijtc-591	206	21	,	,	PUNCT
ijtc-591	206	22	16(1	16(1	NUM
ijtc-591	206	23	)	)	PUNCT
ijtc-591	206	24	,	,	PUNCT
ijtc-591	206	25	19–40	19–40	NUM
ijtc-591	206	26	.	.	PUNCT
ijtc-591	206	27	https://www.actuaries.org.uk/documents/employee-saving-and-investment-decisionsdefined-contribution-pension-plans-survey-evidence-uk	https://www.actuaries.org.uk/documents/employee-saving-and-investment-decisionsdefined-contribution-pension-plans-survey-evidence-uk	PROPN
ijtc-591	206	28	cameron	cameron	PROPN
ijtc-591	206	29	,	,	PUNCT
ijtc-591	206	30	m.	m.	PROPN
ijtc-591	206	31	p.	p.	PROPN
ijtc-591	206	32	,	,	PUNCT
ijtc-591	206	33	calderwood	calderwood	PROPN
ijtc-591	206	34	,	,	PUNCT
ijtc-591	206	35	r.	r.	PROPN
ijtc-591	206	36	,	,	PUNCT
ijtc-591	206	37	cox	cox	PROPN
ijtc-591	206	38	,	,	PUNCT
ijtc-591	206	39	a.	a.	PROPN
ijtc-591	206	40	,	,	PUNCT
ijtc-591	206	41	lim	lim	PROPN
ijtc-591	206	42	,	,	PUNCT
ijtc-591	206	43	s.	s.	PROPN
ijtc-591	206	44	,	,	PUNCT
ijtc-591	206	45	&	&	CCONJ
ijtc-591	206	46	yamaoka	yamaoka	PROPN
ijtc-591	206	47	,	,	PUNCT
ijtc-591	206	48	m.	m.	NOUN
ijtc-591	206	49	(	(	PUNCT
ijtc-591	206	50	2014	2014	NUM
ijtc-591	206	51	)	)	PUNCT
ijtc-591	206	52	.	.	PUNCT
ijtc-591	207	1	factors	factor	NOUN
ijtc-591	207	2	associated	associate	VERB
ijtc-591	207	3	with	with	ADP
ijtc-591	207	4	financial	financial	ADJ
ijtc-591	207	5	literacy	literacy	NOUN
ijtc-591	207	6	among	among	ADP
ijtc-591	207	7	high	high	ADJ
ijtc-591	207	8	school	school	NOUN
ijtc-591	207	9	students	student	NOUN
ijtc-591	207	10	in	in	ADP
ijtc-591	207	11	new	new	PROPN
ijtc-591	207	12	zealand	zealand	PROPN
ijtc-591	207	13	.	.	PUNCT
ijtc-591	208	1	international	international	ADJ
ijtc-591	208	2	review	review	PROPN
ijtc-591	208	3	of	of	ADP
ijtc-591	208	4	economics	economic	NOUN
ijtc-591	208	5	education	education	NOUN
ijtc-591	208	6	,	,	PUNCT
ijtc-591	208	7	16	16	NUM
ijtc-591	208	8	,	,	PUNCT
ijtc-591	208	9	12–21	12–21	NUM
ijtc-591	208	10	.	.	PUNCT
ijtc-591	209	1	https://doi.org/10.1016/j.iree.2014.07.006	https://doi.org/10.1016/j.iree.2014.07.006	PROPN
ijtc-591	209	2	cavdar	cavdar	NOUN
ijtc-591	209	3	,	,	PUNCT
ijtc-591	209	4	s.	s.	PROPN
ijtc-591	209	5	c.	c.	PROPN
ijtc-591	209	6	,	,	PUNCT
ijtc-591	209	7	&	&	CCONJ
ijtc-591	209	8	aydin	aydin	PROPN
ijtc-591	209	9	,	,	PUNCT
ijtc-591	209	10	a.	a.	PROPN
ijtc-591	209	11	d.	d.	PROPN
ijtc-591	209	12	(	(	PUNCT
ijtc-591	209	13	2015	2015	NUM
ijtc-591	209	14	)	)	PUNCT
ijtc-591	209	15	.	.	PUNCT
ijtc-591	210	1	an	an	DET
ijtc-591	210	2	experimantal	experimantal	ADJ
ijtc-591	210	3	study	study	NOUN
ijtc-591	210	4	on	on	ADP
ijtc-591	210	5	relationship	relationship	NOUN
ijtc-591	210	6	between	between	ADP
ijtc-591	210	7	student	student	NOUN
ijtc-591	210	8	socio	socio	NOUN
ijtc-591	210	9	-	-	PUNCT
ijtc-591	210	10	economic	economic	ADJ
ijtc-591	210	11	profile	profile	NOUN
ijtc-591	210	12	,	,	PUNCT
ijtc-591	210	13	financial	financial	ADJ
ijtc-591	210	14	literacy	literacy	NOUN
ijtc-591	210	15	,	,	PUNCT
ijtc-591	210	16	student	student	NOUN
ijtc-591	210	17	satisfaction	satisfaction	NOUN
ijtc-591	210	18	and	and	CCONJ
ijtc-591	210	19	innovation	innovation	NOUN
ijtc-591	210	20	within	within	ADP
ijtc-591	210	21	the	the	DET
ijtc-591	210	22	framework	framework	NOUN
ijtc-591	210	23	of	of	ADP
ijtc-591	210	24	tqm	tqm	ADJ
ijtc-591	210	25	.	.	PUNCT
ijtc-591	211	1	procedia	procedia	PROPN
ijtc-591	211	2	social	social	ADJ
ijtc-591	211	3	and	and	CCONJ
ijtc-591	211	4	behavioral	behavioral	ADJ
ijtc-591	211	5	sciences	science	NOUN
ijtc-591	211	6	,	,	PUNCT
ijtc-591	211	7	195	195	NUM
ijtc-591	211	8	,	,	PUNCT
ijtc-591	211	9	739–748	739–748	NUM
ijtc-591	211	10	.	.	PUNCT
ijtc-591	212	1	https://doi.org/10.1016/j.sbspro.2015.06.466	https://doi.org/10.1016/j.sbspro.2015.06.466	NOUN
ijtc-591	212	2	dhandayuthapani	dhandayuthapani	PROPN
ijtc-591	212	3	,	,	PUNCT
ijtc-591	212	4	d.	d.	PROPN
ijtc-591	212	5	s.	s.	PROPN
ijtc-591	212	6	p.	p.	PROPN
ijtc-591	212	7	(	(	PUNCT
ijtc-591	212	8	2020	2020	NUM
ijtc-591	212	9	)	)	PUNCT
ijtc-591	212	10	.	.	PUNCT
ijtc-591	213	1	financial	financial	ADJ
ijtc-591	213	2	literacy	literacy	NOUN
ijtc-591	213	3	and	and	CCONJ
ijtc-591	213	4	its	its	PRON
ijtc-591	213	5	determinants	determinant	NOUN
ijtc-591	213	6	.	.	PUNCT
ijtc-591	214	1	international	international	ADJ
ijtc-591	214	2	journal	journal	NOUN
ijtc-591	214	3	for	for	ADP
ijtc-591	214	4	research	research	NOUN
ijtc-591	214	5	in	in	ADP
ijtc-591	214	6	applied	apply	VERB
ijtc-591	214	7	science	science	NOUN
ijtc-591	214	8	and	and	CCONJ
ijtc-591	214	9	engineering	engineering	NOUN
ijtc-591	214	10	technology	technology	NOUN
ijtc-591	214	11	,	,	PUNCT
ijtc-591	214	12	8(7	8(7	NUM
ijtc-591	214	13	)	)	PUNCT
ijtc-591	214	14	,	,	PUNCT
ijtc-591	214	15	1174–1179	1174–1179	NUM
ijtc-591	214	16	.	.	PUNCT
ijtc-591	215	1	https://doi.org/10.22214/ijraset.2020.30445	https://doi.org/10.22214/ijraset.2020.30445	NOUN
ijtc-591	215	2	douissa	douissa	NOUN
ijtc-591	215	3	,	,	PUNCT
ijtc-591	215	4	i.	i.	PROPN
ijtc-591	215	5	ben	ben	PROPN
ijtc-591	215	6	.	.	PROPN
ijtc-591	215	7	(	(	PUNCT
ijtc-591	215	8	2020	2020	NUM
ijtc-591	215	9	)	)	PUNCT
ijtc-591	215	10	.	.	PUNCT
ijtc-591	216	1	factors	factor	NOUN
ijtc-591	216	2	affecting	affect	VERB
ijtc-591	216	3	college	college	NOUN
ijtc-591	216	4	students	student	NOUN
ijtc-591	216	5	’	'	PUNCT
ijtc-591	216	6	multidimensional	multidimensional	ADJ
ijtc-591	216	7	financial	financial	ADJ
ijtc-591	216	8	literacy	literacy	NOUN
ijtc-591	216	9	in	in	ADP
ijtc-591	216	10	the	the	DET
ijtc-591	216	11	middle	middle	PROPN
ijtc-591	216	12	east	east	PROPN
ijtc-591	216	13	.	.	PUNCT
ijtc-591	217	1	international	international	ADJ
ijtc-591	217	2	review	review	PROPN
ijtc-591	217	3	of	of	ADP
ijtc-591	217	4	economics	economic	NOUN
ijtc-591	217	5	education	education	NOUN
ijtc-591	217	6	,	,	PUNCT
ijtc-591	217	7	35	35	NUM
ijtc-591	217	8	,	,	PUNCT
ijtc-591	217	9	100173	100173	NUM
ijtc-591	217	10	.	.	PUNCT
ijtc-591	218	1	https://doi.org/10.1016/j.iree.2019.100173	https://doi.org/10.1016/j.iree.2019.100173	PROPN
ijtc-591	218	2	gade	gade	PROPN
ijtc-591	218	3	,	,	PUNCT
ijtc-591	218	4	s.	s.	PROPN
ijtc-591	218	5	,	,	PUNCT
ijtc-591	218	6	&	&	CCONJ
ijtc-591	218	7	sarma	sarma	PROPN
ijtc-591	218	8	,	,	PUNCT
ijtc-591	218	9	s.	s.	PROPN
ijtc-591	218	10	(	(	PUNCT
ijtc-591	218	11	2018	2018	NUM
ijtc-591	218	12	)	)	PUNCT
ijtc-591	218	13	.	.	PUNCT
ijtc-591	219	1	does	do	VERB
ijtc-591	219	2	financial	financial	ADJ
ijtc-591	219	3	literacy	literacy	NOUN
ijtc-591	219	4	influence	influence	NOUN
ijtc-591	219	5	financial	financial	ADJ
ijtc-591	219	6	planning	planning	NOUN
ijtc-591	219	7	?	?	PUNCT
ijtc-591	220	1	–	–	PUNCT
ijtc-591	220	2	a	a	DET
ijtc-591	220	3	study	study	NOUN
ijtc-591	220	4	among	among	ADP
ijtc-591	220	5	rural	rural	ADJ
ijtc-591	220	6	and	and	CCONJ
ijtc-591	220	7	urban	urban	ADJ
ijtc-591	220	8	households	household	NOUN
ijtc-591	220	9	.	.	PUNCT
ijtc-591	221	1	rsu	rsu	PROPN
ijtc-591	221	2	international	international	PROPN
ijtc-591	221	3	research	research	PROPN
ijtc-591	221	4	conference	conference	NOUN
ijtc-591	221	5	,	,	PUNCT
ijtc-591	221	6	may	may	AUX
ijtc-591	221	7	,	,	PUNCT
ijtc-591	221	8	496–511	496–511	NUM
ijtc-591	221	9	.	.	PUNCT
ijtc-591	222	1	https://www.researchgate.net/publication/343189583_does_financial_literacy_influence	https://www.researchgate.net/publication/343189583_does_financial_literacy_influence	NOUN
ijtc-591	222	2	_	_	PRON
ijtc-591	222	3	financial_planning_-a_study_among_rural_and_urban_households	financial_planning_-a_study_among_rural_and_urban_household	NOUN
ijtc-591	222	4	gilenko	gilenko	NOUN
ijtc-591	222	5	,	,	PUNCT
ijtc-591	222	6	e.	e.	PROPN
ijtc-591	222	7	,	,	PUNCT
ijtc-591	222	8	&	&	CCONJ
ijtc-591	222	9	chernova	chernova	PROPN
ijtc-591	222	10	,	,	PUNCT
ijtc-591	222	11	a.	a.	NOUN
ijtc-591	222	12	(	(	PUNCT
ijtc-591	222	13	2021	2021	NUM
ijtc-591	222	14	)	)	PUNCT
ijtc-591	222	15	.	.	PUNCT
ijtc-591	223	1	saving	save	VERB
ijtc-591	223	2	behavior	behavior	NOUN
ijtc-591	223	3	and	and	CCONJ
ijtc-591	223	4	financial	financial	ADJ
ijtc-591	223	5	literacy	literacy	NOUN
ijtc-591	223	6	of	of	ADP
ijtc-591	223	7	russian	russian	ADJ
ijtc-591	223	8	high	high	ADJ
ijtc-591	223	9	school	school	NOUN
ijtc-591	223	10	students	student	NOUN
ijtc-591	223	11	:	:	PUNCT
ijtc-591	223	12	an	an	DET
ijtc-591	223	13	application	application	NOUN
ijtc-591	223	14	of	of	ADP
ijtc-591	223	15	a	a	DET
ijtc-591	223	16	copula	copula	NOUN
ijtc-591	223	17	-	-	PUNCT
ijtc-591	223	18	based	base	VERB
ijtc-591	223	19	bivariate	bivariate	ADJ
ijtc-591	223	20	probit	probit	NOUN
ijtc-591	223	21	-	-	PUNCT
ijtc-591	223	22	regression	regression	NOUN
ijtc-591	223	23	approach	approach	NOUN
ijtc-591	223	24	.	.	PUNCT
ijtc-591	224	1	children	child	NOUN
ijtc-591	224	2	and	and	CCONJ
ijtc-591	224	3	youth	youth	NOUN
ijtc-591	224	4	services	service	NOUN
ijtc-591	224	5	review	review	PROPN
ijtc-591	224	6	,	,	PUNCT
ijtc-591	224	7	127	127	NUM
ijtc-591	224	8	,	,	PUNCT
ijtc-591	224	9	106122	106122	NUM
ijtc-591	224	10	.	.	PUNCT
ijtc-591	225	1	https://doi.org/10.1016/j.childyouth.2021.106122	https://doi.org/10.1016/j.childyouth.2021.106122	PROPN
ijtc-591	225	2	gutter	gutter	NOUN
ijtc-591	225	3	,	,	PUNCT
ijtc-591	225	4	m.	m.	NOUN
ijtc-591	225	5	s.	s.	PROPN
ijtc-591	225	6	(	(	PUNCT
ijtc-591	225	7	2008	2008	NUM
ijtc-591	225	8	)	)	PUNCT
ijtc-591	225	9	.	.	PUNCT
ijtc-591	226	1	financial	financial	ADJ
ijtc-591	226	2	management	management	NOUN
ijtc-591	226	3	practices	practice	NOUN
ijtc-591	226	4	of	of	ADP
ijtc-591	226	5	college	college	NOUN
ijtc-591	226	6	students	student	NOUN
ijtc-591	226	7	from	from	ADP
ijtc-591	226	8	states	state	NOUN
ijtc-591	226	9	with	with	ADP
ijtc-591	226	10	varying	vary	VERB
ijtc-591	226	11	financial	financial	ADJ
ijtc-591	226	12	education	education	NOUN
ijtc-591	226	13	mandates	mandate	NOUN
ijtc-591	226	14	.	.	PUNCT
ijtc-591	227	1	https://www.nefe.org/_images/research/financial-education-mandatesfactors	https://www.nefe.org/_images/research/financial-education-mandatesfactor	NOUN
ijtc-591	227	2	affecting	affect	VERB
ijtc-591	227	3	student	student	NOUN
ijtc-591	227	4	financial	financial	ADJ
ijtc-591	227	5	literacy	literacy	NOUN
ijtc-591	227	6	triana	triana	NOUN
ijtc-591	227	7	and	and	CCONJ
ijtc-591	227	8	ibrohim	ibrohim	PRON
ijtc-591	227	9	433	433	NUM
ijtc-591	227	10	|	|	ADV
ijtc-591	227	11	ilomata	ilomata	PROPN
ijtc-591	227	12	international	international	ADJ
ijtc-591	227	13	journal	journal	NOUN
ijtc-591	227	14	of	of	ADP
ijtc-591	227	15	tax	tax	PROPN
ijtc-591	227	16	&	&	CCONJ
ijtc-591	227	17	accounting	accounting	PROPN
ijtc-591	227	18	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-591	227	19	report	report	NOUN
ijtc-591	227	20	/	/	SYM
ijtc-591	227	21	financial	financial	ADJ
ijtc-591	227	22	-	-	PUNCT
ijtc-591	227	23	education	education	NOUN
ijtc-591	227	24	-	-	PUNCT
ijtc-591	227	25	mandates	mandate	NOUN
ijtc-591	227	26	-	-	PUNCT
ijtc-591	227	27	report	report	NOUN
ijtc-591	227	28	-	-	PUNCT
ijtc-591	227	29	executive	executive	ADJ
ijtc-591	227	30	-	-	PUNCT
ijtc-591	227	31	summary.pdf	summary.pdf	PROPN
ijtc-591	227	32	huston	huston	PROPN
ijtc-591	227	33	,	,	PUNCT
ijtc-591	227	34	s.	s.	PROPN
ijtc-591	227	35	j.	j.	PROPN
ijtc-591	227	36	(	(	PUNCT
ijtc-591	227	37	2010	2010	NUM
ijtc-591	227	38	)	)	PUNCT
ijtc-591	227	39	.	.	PUNCT
ijtc-591	228	1	measuring	measure	VERB
ijtc-591	228	2	financial	financial	ADJ
ijtc-591	228	3	literacy	literacy	NOUN
ijtc-591	228	4	.	.	PUNCT
ijtc-591	229	1	journal	journal	NOUN
ijtc-591	229	2	of	of	ADP
ijtc-591	229	3	consumer	consumer	NOUN
ijtc-591	229	4	affairs	affair	NOUN
ijtc-591	229	5	,	,	PUNCT
ijtc-591	229	6	44(2	44(2	NOUN
ijtc-591	229	7	)	)	PUNCT
ijtc-591	229	8	,	,	PUNCT
ijtc-591	229	9	296–316	296–316	NUM
ijtc-591	229	10	.	.	PUNCT
ijtc-591	230	1	https://doi.org/10.1111/j.1745-6606.2010.01170.x	https://doi.org/10.1111/j.1745-6606.2010.01170.x	ADJ
ijtc-591	230	2	international	international	ADJ
ijtc-591	230	3	network	network	NOUN
ijtc-591	230	4	on	on	ADP
ijtc-591	230	5	financial	financial	ADJ
ijtc-591	230	6	education	education	NOUN
ijtc-591	230	7	.	.	PUNCT
ijtc-591	231	1	(	(	PUNCT
ijtc-591	231	2	2011	2011	NUM
ijtc-591	231	3	)	)	PUNCT
ijtc-591	231	4	.	.	PUNCT
ijtc-591	232	1	measuring	measure	VERB
ijtc-591	232	2	financial	financial	ADJ
ijtc-591	232	3	literacy	literacy	NOUN
ijtc-591	232	4	 	 	SPACE
ijtc-591	232	5	:	:	PUNCT
ijtc-591	232	6	questionnaire	questionnaire	NOUN
ijtc-591	232	7	and	and	CCONJ
ijtc-591	232	8	guidance	guidance	NOUN
ijtc-591	232	9	notes	note	NOUN
ijtc-591	232	10	for	for	ADP
ijtc-591	232	11	conducting	conduct	VERB
ijtc-591	232	12	an	an	DET
ijtc-591	232	13	internationally	internationally	ADV
ijtc-591	232	14	comparable	comparable	ADJ
ijtc-591	232	15	survey	survey	NOUN
ijtc-591	232	16	of	of	ADP
ijtc-591	232	17	financial	financial	ADJ
ijtc-591	232	18	literacy	literacy	NOUN
ijtc-591	232	19	.	.	PUNCT
ijtc-591	233	1	in	in	ADP
ijtc-591	233	2	oecd	oecd	PROPN
ijtc-591	233	3	.	.	PUNCT
ijtc-591	234	1	https://www.oecd.org/finance/financialeducation/49319977.pdf	https://www.oecd.org/finance/financialeducation/49319977.pdf	PROPN
ijtc-591	234	2	jang	jang	PROPN
ijtc-591	234	3	,	,	PUNCT
ijtc-591	234	4	k.	k.	PROPN
ijtc-591	234	5	,	,	PUNCT
ijtc-591	234	6	hahn	hahn	PROPN
ijtc-591	234	7	,	,	PUNCT
ijtc-591	234	8	j.	j.	PROPN
ijtc-591	234	9	,	,	PUNCT
ijtc-591	234	10	&	&	CCONJ
ijtc-591	234	11	park	park	PROPN
ijtc-591	234	12	,	,	PUNCT
ijtc-591	234	13	h.	h.	PROPN
ijtc-591	234	14	j.	j.	PROPN
ijtc-591	234	15	(	(	PUNCT
ijtc-591	234	16	2014	2014	NUM
ijtc-591	234	17	)	)	PUNCT
ijtc-591	234	18	.	.	PUNCT
ijtc-591	235	1	comparison	comparison	NOUN
ijtc-591	235	2	of	of	ADP
ijtc-591	235	3	financial	financial	ADJ
ijtc-591	235	4	literacy	literacy	NOUN
ijtc-591	235	5	between	between	ADP
ijtc-591	235	6	korean	korean	PROPN
ijtc-591	235	7	and	and	CCONJ
ijtc-591	235	8	u.s	u.s	PROPN
ijtc-591	235	9	.	.	PROPN
ijtc-591	235	10	high	high	ADJ
ijtc-591	235	11	school	school	NOUN
ijtc-591	235	12	students	student	NOUN
ijtc-591	235	13	.	.	PUNCT
ijtc-591	236	1	international	international	ADJ
ijtc-591	236	2	review	review	NOUN
ijtc-591	236	3	of	of	ADP
ijtc-591	236	4	economics	economic	NOUN
ijtc-591	236	5	education	education	NOUN
ijtc-591	236	6	,	,	PUNCT
ijtc-591	236	7	16	16	NUM
ijtc-591	236	8	,	,	PUNCT
ijtc-591	236	9	22–38	22–38	NUM
ijtc-591	236	10	.	.	PUNCT
ijtc-591	237	1	https://doi.org/10.1016/j.iree.2014.07.003	https://doi.org/10.1016/j.iree.2014.07.003	PROPN
ijtc-591	237	2	jorgensen	jorgensen	PROPN
ijtc-591	237	3	,	,	PUNCT
ijtc-591	237	4	b.	b.	PROPN
ijtc-591	237	5	l.	l.	PROPN
ijtc-591	237	6	(	(	PUNCT
ijtc-591	237	7	2007	2007	NUM
ijtc-591	237	8	)	)	PUNCT
ijtc-591	237	9	.	.	PUNCT
ijtc-591	238	1	financial	financial	ADJ
ijtc-591	238	2	literacy	literacy	NOUN
ijtc-591	238	3	of	of	ADP
ijtc-591	238	4	college	college	NOUN
ijtc-591	238	5	students	student	NOUN
ijtc-591	238	6	:	:	PUNCT
ijtc-591	238	7	parental	parental	ADJ
ijtc-591	238	8	and	and	CCONJ
ijtc-591	238	9	peer	peer	NOUN
ijtc-591	238	10	influences	influence	NOUN
ijtc-591	238	11	[	[	X
ijtc-591	238	12	virginia	virginia	PROPN
ijtc-591	238	13	tech	tech	PROPN
ijtc-591	238	14	university	university	NOUN
ijtc-591	238	15	]	]	PUNCT
ijtc-591	238	16	.	.	PUNCT
ijtc-591	239	1	in	in	ADP
ijtc-591	239	2	master	master	PROPN
ijtc-591	239	3	thesis	thesis	NOUN
ijtc-591	239	4	.	.	PUNCT
ijtc-591	240	1	http://hdl.handle.net/10919/35407	http://hdl.handle.net/10919/35407	PROPN
ijtc-591	240	2	kumar	kumar	PROPN
ijtc-591	240	3	,	,	PUNCT
ijtc-591	240	4	p.	p.	PROPN
ijtc-591	240	5	,	,	PUNCT
ijtc-591	240	6	pillai	pillai	PROPN
ijtc-591	240	7	,	,	PUNCT
ijtc-591	240	8	r.	r.	PROPN
ijtc-591	240	9	,	,	PUNCT
ijtc-591	240	10	kumar	kumar	PROPN
ijtc-591	240	11	,	,	PUNCT
ijtc-591	240	12	n.	n.	NOUN
ijtc-591	240	13	,	,	PUNCT
ijtc-591	240	14	&	&	CCONJ
ijtc-591	240	15	tabash	tabash	PROPN
ijtc-591	240	16	,	,	PUNCT
ijtc-591	240	17	m.	m.	NOUN
ijtc-591	240	18	i.	i.	PROPN
ijtc-591	240	19	(	(	PUNCT
ijtc-591	240	20	2022	2022	NUM
ijtc-591	240	21	)	)	PUNCT
ijtc-591	240	22	.	.	PUNCT
ijtc-591	241	1	the	the	DET
ijtc-591	241	2	interplay	interplay	NOUN
ijtc-591	241	3	of	of	ADP
ijtc-591	241	4	skills	skill	NOUN
ijtc-591	241	5	,	,	PUNCT
ijtc-591	241	6	digital	digital	ADJ
ijtc-591	241	7	financial	financial	ADJ
ijtc-591	241	8	literacy	literacy	NOUN
ijtc-591	241	9	,	,	PUNCT
ijtc-591	241	10	capability	capability	NOUN
ijtc-591	241	11	,	,	PUNCT
ijtc-591	241	12	and	and	CCONJ
ijtc-591	241	13	autonomy	autonomy	NOUN
ijtc-591	241	14	in	in	ADP
ijtc-591	241	15	financial	financial	ADJ
ijtc-591	241	16	decision	decision	NOUN
ijtc-591	241	17	making	making	NOUN
ijtc-591	241	18	and	and	CCONJ
ijtc-591	241	19	well	well	ADV
ijtc-591	241	20	-	-	PUNCT
ijtc-591	241	21	being	being	NOUN
ijtc-591	241	22	.	.	PUNCT
ijtc-591	242	1	borsa	borsa	PROPN
ijtc-591	242	2	istanbul	istanbul	PROPN
ijtc-591	242	3	review	review	PROPN
ijtc-591	242	4	.	.	PUNCT
ijtc-591	243	1	https://doi.org/10.1016/j.bir.2022.09.012	https://doi.org/10.1016/j.bir.2022.09.012	PROPN
ijtc-591	243	2	laily	laily	ADV
ijtc-591	243	3	,	,	PUNCT
ijtc-591	243	4	n.	n.	NOUN
ijtc-591	243	5	(	(	PUNCT
ijtc-591	243	6	2016	2016	NUM
ijtc-591	243	7	)	)	PUNCT
ijtc-591	243	8	.	.	PUNCT
ijtc-591	244	1	pengaruh	pengaruh	NOUN
ijtc-591	244	2	literasi	literasi	PROPN
ijtc-591	244	3	keuangan	keuangan	PROPN
ijtc-591	244	4	terhadap	terhadap	PROPN
ijtc-591	244	5	perilaku	perilaku	PROPN
ijtc-591	244	6	mahasiswa	mahasiswa	PROPN
ijtc-591	244	7	dalam	dalam	PROPN
ijtc-591	244	8	mengelola	mengelola	PROPN
ijtc-591	244	9	keuangan	keuangan	PROPN
ijtc-591	244	10	.	.	PUNCT
ijtc-591	245	1	journal	journal	NOUN
ijtc-591	245	2	of	of	ADP
ijtc-591	245	3	accounting	accounting	NOUN
ijtc-591	245	4	and	and	CCONJ
ijtc-591	245	5	business	business	NOUN
ijtc-591	245	6	education	education	NOUN
ijtc-591	245	7	,	,	PUNCT
ijtc-591	245	8	1(4	1(4	NUM
ijtc-591	245	9	)	)	PUNCT
ijtc-591	245	10	.	.	PUNCT
ijtc-591	246	1	https://doi.org/10.26675/jabe.v1i4.6042	https://doi.org/10.26675/jabe.v1i4.6042	PROPN
ijtc-591	246	2	li	li	PROPN
ijtc-591	246	3	,	,	PUNCT
ijtc-591	246	4	y.	y.	PROPN
ijtc-591	246	5	,	,	PUNCT
ijtc-591	246	6	li	li	PROPN
ijtc-591	246	7	,	,	PUNCT
ijtc-591	246	8	z.	z.	PROPN
ijtc-591	246	9	,	,	PUNCT
ijtc-591	246	10	su	su	PROPN
ijtc-591	246	11	,	,	PUNCT
ijtc-591	246	12	f.	f.	PROPN
ijtc-591	246	13	,	,	PUNCT
ijtc-591	246	14	wang	wang	PROPN
ijtc-591	246	15	,	,	PUNCT
ijtc-591	246	16	q.	q.	PROPN
ijtc-591	246	17	,	,	PUNCT
ijtc-591	246	18	&	&	CCONJ
ijtc-591	246	19	wang	wang	PROPN
ijtc-591	246	20	,	,	PUNCT
ijtc-591	246	21	q.	q.	PROPN
ijtc-591	246	22	(	(	PUNCT
ijtc-591	246	23	2020	2020	NUM
ijtc-591	246	24	)	)	PUNCT
ijtc-591	246	25	.	.	PUNCT
ijtc-591	247	1	fintech	fintech	NOUN
ijtc-591	247	2	penetration	penetration	NOUN
ijtc-591	247	3	,	,	PUNCT
ijtc-591	247	4	financial	financial	ADJ
ijtc-591	247	5	literacy	literacy	NOUN
ijtc-591	247	6	,	,	PUNCT
ijtc-591	247	7	and	and	CCONJ
ijtc-591	247	8	financial	financial	ADJ
ijtc-591	247	9	decision	decision	NOUN
ijtc-591	247	10	-	-	PUNCT
ijtc-591	247	11	making	making	NOUN
ijtc-591	247	12	:	:	PUNCT
ijtc-591	247	13	empirical	empirical	ADJ
ijtc-591	247	14	analysis	analysis	NOUN
ijtc-591	247	15	based	base	VERB
ijtc-591	247	16	on	on	ADP
ijtc-591	247	17	tar	tar	NOUN
ijtc-591	247	18	.	.	PUNCT
ijtc-591	248	1	complexity	complexity	NOUN
ijtc-591	248	2	,	,	PUNCT
ijtc-591	248	3	2020	2020	NUM
ijtc-591	248	4	,	,	PUNCT
ijtc-591	248	5	1–12	1–12	NOUN
ijtc-591	248	6	.	.	PUNCT
ijtc-591	249	1	https://doi.org/10.1155/2020/6696312	https://doi.org/10.1155/2020/6696312	PROPN
ijtc-591	249	2	luksander	luksander	PROPN
ijtc-591	249	3	,	,	PUNCT
ijtc-591	249	4	a.	a.	PROPN
ijtc-591	249	5	,	,	PUNCT
ijtc-591	249	6	béres	bére	NOUN
ijtc-591	249	7	,	,	PUNCT
ijtc-591	249	8	d.	d.	PROPN
ijtc-591	249	9	,	,	PUNCT
ijtc-591	249	10	huzdik	huzdik	NOUN
ijtc-591	249	11	,	,	PUNCT
ijtc-591	249	12	k.	k.	PROPN
ijtc-591	249	13	,	,	PUNCT
ijtc-591	249	14	&	&	CCONJ
ijtc-591	249	15	németh	németh	PROPN
ijtc-591	249	16	,	,	PUNCT
ijtc-591	249	17	e.	e.	PROPN
ijtc-591	249	18	(	(	PUNCT
ijtc-591	249	19	2014	2014	NUM
ijtc-591	249	20	)	)	PUNCT
ijtc-591	249	21	.	.	PUNCT
ijtc-591	250	1	analysis	analysis	NOUN
ijtc-591	250	2	of	of	ADP
ijtc-591	250	3	the	the	DET
ijtc-591	250	4	factors	factor	NOUN
ijtc-591	250	5	that	that	PRON
ijtc-591	250	6	influence	influence	VERB
ijtc-591	250	7	the	the	DET
ijtc-591	250	8	financial	financial	ADJ
ijtc-591	250	9	literacy	literacy	NOUN
ijtc-591	250	10	of	of	ADP
ijtc-591	250	11	young	young	ADJ
ijtc-591	250	12	people	people	NOUN
ijtc-591	250	13	studying	study	VERB
ijtc-591	250	14	in	in	ADP
ijtc-591	250	15	higher	high	ADJ
ijtc-591	250	16	education	education	NOUN
ijtc-591	250	17	.	.	PUNCT
ijtc-591	251	1	public	public	ADJ
ijtc-591	251	2	finance	finance	NOUN
ijtc-591	251	3	quarterly	quarterly	ADV
ijtc-591	251	4	(	(	PUNCT
ijtc-591	251	5	0031	0031	NUM
ijtc-591	251	6	-	-	PUNCT
ijtc-591	251	7	496x	496x	NUM
ijtc-591	251	8	)	)	PUNCT
ijtc-591	251	9	,	,	PUNCT
ijtc-591	251	10	59(2	59(2	NUM
ijtc-591	251	11	)	)	PUNCT
ijtc-591	251	12	,	,	PUNCT
ijtc-591	251	13	220–241	220–241	NUM
ijtc-591	251	14	.	.	PUNCT
ijtc-591	251	15	https://core.ac.uk/download/pdf/78471406.pdf	https://core.ac.uk/download/pdf/78471406.pdf	PROPN
ijtc-591	251	16	lusardi	lusardi	PROPN
ijtc-591	251	17	,	,	PUNCT
ijtc-591	251	18	a.	a.	PROPN
ijtc-591	251	19	,	,	PUNCT
ijtc-591	251	20	&	&	CCONJ
ijtc-591	251	21	mitchell	mitchell	PROPN
ijtc-591	251	22	,	,	PUNCT
ijtc-591	251	23	o.	o.	PROPN
ijtc-591	251	24	s.	s.	PROPN
ijtc-591	251	25	(	(	PUNCT
ijtc-591	251	26	2014	2014	NUM
ijtc-591	251	27	)	)	PUNCT
ijtc-591	251	28	.	.	PUNCT
ijtc-591	252	1	the	the	DET
ijtc-591	252	2	economic	economic	ADJ
ijtc-591	252	3	importance	importance	NOUN
ijtc-591	252	4	of	of	ADP
ijtc-591	252	5	financial	financial	ADJ
ijtc-591	252	6	literacy	literacy	NOUN
ijtc-591	252	7	:	:	PUNCT
ijtc-591	252	8	theory	theory	NOUN
ijtc-591	252	9	and	and	CCONJ
ijtc-591	252	10	evidence	evidence	NOUN
ijtc-591	252	11	.	.	PUNCT
ijtc-591	253	1	journal	journal	NOUN
ijtc-591	253	2	of	of	ADP
ijtc-591	253	3	economic	economic	ADJ
ijtc-591	253	4	literature	literature	NOUN
ijtc-591	253	5	,	,	PUNCT
ijtc-591	253	6	52(1	52(1	NOUN
ijtc-591	253	7	)	)	PUNCT
ijtc-591	253	8	,	,	PUNCT
ijtc-591	253	9	5–44	5–44	PROPN
ijtc-591	253	10	.	.	PROPN
ijtc-591	253	11	https://doi.org/10.1257/jel.52.1.5	https://doi.org/10.1257/jel.52.1.5	PROPN
ijtc-591	253	12	lusardi	lusardi	PROPN
ijtc-591	253	13	,	,	PUNCT
ijtc-591	253	14	a.	a.	PROPN
ijtc-591	253	15	,	,	PUNCT
ijtc-591	253	16	mitchell	mitchell	PROPN
ijtc-591	253	17	,	,	PUNCT
ijtc-591	253	18	o.	o.	PROPN
ijtc-591	253	19	s.	s.	PROPN
ijtc-591	253	20	,	,	PUNCT
ijtc-591	253	21	&	&	CCONJ
ijtc-591	253	22	curto	curto	PROPN
ijtc-591	253	23	,	,	PUNCT
ijtc-591	253	24	v.	v.	PROPN
ijtc-591	253	25	(	(	PUNCT
ijtc-591	253	26	2009	2009	NUM
ijtc-591	253	27	)	)	PUNCT
ijtc-591	253	28	.	.	PUNCT
ijtc-591	254	1	financial	financial	ADJ
ijtc-591	254	2	literacy	literacy	NOUN
ijtc-591	254	3	among	among	ADP
ijtc-591	254	4	the	the	DET
ijtc-591	254	5	young	young	PROPN
ijtc-591	254	6	.	.	PUNCT
ijtc-591	255	1	ssrn	ssrn	PROPN
ijtc-591	255	2	electronic	electronic	ADJ
ijtc-591	255	3	journal	journal	PROPN
ijtc-591	255	4	.	.	PUNCT
ijtc-591	256	1	https://doi.org/10.2139/ssrn.1476982	https://doi.org/10.2139/ssrn.1476982	PROPN
ijtc-591	256	2	margaretha	margaretha	PROPN
ijtc-591	256	3	,	,	PUNCT
ijtc-591	256	4	f.	f.	PROPN
ijtc-591	256	5	,	,	PUNCT
ijtc-591	256	6	&	&	CCONJ
ijtc-591	256	7	pambudhi	pambudhi	PROPN
ijtc-591	256	8	,	,	PUNCT
ijtc-591	256	9	r.	r.	PROPN
ijtc-591	256	10	a.	a.	PROPN
ijtc-591	256	11	(	(	PUNCT
ijtc-591	256	12	2015	2015	NUM
ijtc-591	256	13	)	)	PUNCT
ijtc-591	256	14	.	.	PUNCT
ijtc-591	257	1	tingkat	tingkat	PROPN
ijtc-591	257	2	literasi	literasi	PROPN
ijtc-591	257	3	keuangan	keuangan	PROPN
ijtc-591	257	4	pada	pada	PROPN
ijtc-591	257	5	mahasiswa	mahasiswa	PROPN
ijtc-591	257	6	s-1	s-1	PROPN
ijtc-591	257	7	fakultas	fakulta	VERB
ijtc-591	257	8	ekonomi	ekonomi	PROPN
ijtc-591	257	9	.	.	PUNCT
ijtc-591	258	1	jurnal	jurnal	ADJ
ijtc-591	258	2	manajemen	manajeman	NOUN
ijtc-591	258	3	dan	dan	PROPN
ijtc-591	258	4	kewirausahaan	kewirausahaan	PROPN
ijtc-591	258	5	(	(	PUNCT
ijtc-591	258	6	journal	journal	PROPN
ijtc-591	258	7	of	of	ADP
ijtc-591	258	8	management	management	NOUN
ijtc-591	258	9	and	and	CCONJ
ijtc-591	258	10	entrepreneurship	entrepreneurship	NOUN
ijtc-591	258	11	)	)	PUNCT
ijtc-591	258	12	,	,	PUNCT
ijtc-591	258	13	17(1	17(1	NUM
ijtc-591	258	14	)	)	PUNCT
ijtc-591	258	15	,	,	PUNCT
ijtc-591	258	16	44–64	44–64	NUM
ijtc-591	258	17	.	.	PUNCT
ijtc-591	259	1	https://doi.org/10.9744/jmk.17.1.76-85	https://doi.org/10.9744/jmk.17.1.76-85	PROPN
ijtc-591	259	2	maulida	maulida	PROPN
ijtc-591	259	3	,	,	PUNCT
ijtc-591	259	4	y.	y.	PROPN
ijtc-591	259	5	(	(	PUNCT
ijtc-591	259	6	2018	2018	NUM
ijtc-591	259	7	)	)	PUNCT
ijtc-591	259	8	.	.	PUNCT
ijtc-591	260	1	literasi	literasi	NOUN
ijtc-591	260	2	keuangan	keuangan	PROPN
ijtc-591	260	3	syariah	syariah	PROPN
ijtc-591	260	4	pada	pada	PROPN
ijtc-591	260	5	mahasiswa	mahasiswa	PROPN
ijtc-591	260	6	program	program	PROPN
ijtc-591	260	7	studi	studi	PROPN
ijtc-591	260	8	ekonomi	ekonomi	PROPN
ijtc-591	260	9	syariah	syariah	PROPN
ijtc-591	260	10	di	di	PROPN
ijtc-591	260	11	bogor	bogor	PROPN
ijtc-591	261	1	[	[	X
ijtc-591	261	2	institut	institut	NOUN
ijtc-591	261	3	pertanian	pertanian	ADJ
ijtc-591	261	4	bogor	bogor	NOUN
ijtc-591	261	5	]	]	PUNCT
ijtc-591	261	6	.	.	PUNCT
ijtc-591	262	1	https://repository.ipb.ac.id/handle/123456789/94808	https://repository.ipb.ac.id/handle/123456789/94808	PROPN
ijtc-591	262	2	moreno	moreno	PROPN
ijtc-591	262	3	-	-	PUNCT
ijtc-591	262	4	herrero	herrero	PROPN
ijtc-591	262	5	,	,	PUNCT
ijtc-591	262	6	d.	d.	PROPN
ijtc-591	262	7	,	,	PUNCT
ijtc-591	262	8	salas	salas	PROPN
ijtc-591	262	9	-	-	PUNCT
ijtc-591	262	10	velasco	velasco	PROPN
ijtc-591	262	11	,	,	PUNCT
ijtc-591	262	12	m.	m.	NOUN
ijtc-591	262	13	,	,	PUNCT
ijtc-591	262	14	&	&	CCONJ
ijtc-591	262	15	sánchez	sánchez	PROPN
ijtc-591	262	16	-	-	PUNCT
ijtc-591	262	17	campillo	campillo	PROPN
ijtc-591	262	18	,	,	PUNCT
ijtc-591	262	19	j.	j.	PROPN
ijtc-591	262	20	(	(	PUNCT
ijtc-591	262	21	2018	2018	NUM
ijtc-591	262	22	)	)	PUNCT
ijtc-591	262	23	.	.	PUNCT
ijtc-591	263	1	factors	factor	NOUN
ijtc-591	263	2	that	that	PRON
ijtc-591	263	3	influence	influence	VERB
ijtc-591	263	4	the	the	DET
ijtc-591	263	5	level	level	NOUN
ijtc-591	263	6	of	of	ADP
ijtc-591	263	7	financial	financial	ADJ
ijtc-591	263	8	literacy	literacy	NOUN
ijtc-591	263	9	among	among	ADP
ijtc-591	263	10	young	young	ADJ
ijtc-591	263	11	people	people	NOUN
ijtc-591	263	12	:	:	PUNCT
ijtc-591	263	13	the	the	DET
ijtc-591	263	14	role	role	NOUN
ijtc-591	263	15	of	of	ADP
ijtc-591	263	16	parental	parental	ADJ
ijtc-591	263	17	engagement	engagement	NOUN
ijtc-591	263	18	and	and	CCONJ
ijtc-591	263	19	students	student	NOUN
ijtc-591	263	20	’	'	PUNCT
ijtc-591	263	21	experiences	experience	NOUN
ijtc-591	263	22	with	with	ADP
ijtc-591	263	23	money	money	NOUN
ijtc-591	263	24	matters	matter	NOUN
ijtc-591	263	25	.	.	PUNCT
ijtc-591	264	1	children	child	NOUN
ijtc-591	264	2	and	and	CCONJ
ijtc-591	264	3	youth	youth	NOUN
ijtc-591	264	4	services	service	NOUN
ijtc-591	264	5	review	review	NOUN
ijtc-591	264	6	,	,	PUNCT
ijtc-591	264	7	95	95	NUM
ijtc-591	264	8	,	,	PUNCT
ijtc-591	264	9	334–351	334–351	NUM
ijtc-591	264	10	.	.	PUNCT
ijtc-591	265	1	https://doi.org/10.1016/j.childyouth.2018.10.042	https://doi.org/10.1016/j.childyouth.2018.10.042	PROPN
ijtc-591	265	2	nababan	nababan	PROPN
ijtc-591	265	3	,	,	PUNCT
ijtc-591	265	4	d.	d.	PROPN
ijtc-591	265	5	,	,	PUNCT
ijtc-591	265	6	&	&	CCONJ
ijtc-591	265	7	sadalia	sadalia	PROPN
ijtc-591	265	8	,	,	PUNCT
ijtc-591	265	9	i.	i.	PROPN
ijtc-591	265	10	(	(	PUNCT
ijtc-591	265	11	2013	2013	NUM
ijtc-591	265	12	)	)	PUNCT
ijtc-591	265	13	.	.	PUNCT
ijtc-591	266	1	analisis	analisis	ADJ
ijtc-591	266	2	personal	personal	ADJ
ijtc-591	266	3	financial	financial	ADJ
ijtc-591	266	4	literacy	literacy	NOUN
ijtc-591	266	5	dan	dan	PROPN
ijtc-591	266	6	financial	financial	ADJ
ijtc-591	266	7	behavior	behavior	NOUN
ijtc-591	266	8	mahasiswa	mahasiswa	PROPN
ijtc-591	266	9	strata	strata	PROPN
ijtc-591	266	10	i	i	PRON
ijtc-591	266	11	fakultas	fakulta	VERB
ijtc-591	266	12	ekonomi	ekonomi	PROPN
ijtc-591	266	13	universitas	universita	NOUN
ijtc-591	266	14	sumatera	sumatera	NOUN
ijtc-591	266	15	utara	utara	NOUN
ijtc-591	266	16	.	.	PUNCT
ijtc-591	267	1	media	media	PROPN
ijtc-591	267	2	informasi	informasi	PROPN
ijtc-591	267	3	manajemen	manajeman	NOUN
ijtc-591	267	4	,	,	PUNCT
ijtc-591	267	5	1(1	1(1	NUM
ijtc-591	267	6	)	)	PUNCT
ijtc-591	267	7	,	,	PUNCT
ijtc-591	267	8	1–15	1–15	NUM
ijtc-591	267	9	.	.	PUNCT
ijtc-591	268	1	https://jurnal.usu.ac.id/index.php/jmim/article/view/651	https://jurnal.usu.ac.id/index.php/jmim/article/view/651	ADV
ijtc-591	268	2	nidar	nidar	PROPN
ijtc-591	268	3	,	,	PUNCT
ijtc-591	268	4	s.	s.	PROPN
ijtc-591	268	5	r.	r.	PROPN
ijtc-591	268	6	,	,	PUNCT
ijtc-591	268	7	&	&	CCONJ
ijtc-591	268	8	bestari	bestari	PROPN
ijtc-591	268	9	,	,	PUNCT
ijtc-591	268	10	s.	s.	PROPN
ijtc-591	268	11	(	(	PUNCT
ijtc-591	268	12	2012	2012	NUM
ijtc-591	268	13	)	)	PUNCT
ijtc-591	268	14	.	.	PUNCT
ijtc-591	269	1	personal	personal	ADJ
ijtc-591	269	2	financial	financial	ADJ
ijtc-591	269	3	literacy	literacy	NOUN
ijtc-591	269	4	among	among	ADP
ijtc-591	269	5	university	university	NOUN
ijtc-591	269	6	students	student	NOUN
ijtc-591	269	7	(	(	PUNCT
ijtc-591	269	8	case	case	NOUN
ijtc-591	269	9	study	study	NOUN
ijtc-591	269	10	at	at	ADP
ijtc-591	269	11	padjadjaran	padjadjaran	PROPN
ijtc-591	269	12	university	university	NOUN
ijtc-591	269	13	students	student	NOUN
ijtc-591	269	14	,	,	PUNCT
ijtc-591	269	15	bandung	bandung	PROPN
ijtc-591	269	16	,	,	PUNCT
ijtc-591	269	17	indonesia	indonesia	PROPN
ijtc-591	269	18	)	)	PUNCT
ijtc-591	269	19	.	.	PUNCT
ijtc-591	270	1	world	world	PROPN
ijtc-591	270	2	journal	journal	PROPN
ijtc-591	270	3	of	of	ADP
ijtc-591	270	4	social	social	ADJ
ijtc-591	270	5	sciences	science	NOUN
ijtc-591	270	6	,	,	PUNCT
ijtc-591	270	7	2(4	2(4	NUM
ijtc-591	270	8	)	)	PUNCT
ijtc-591	270	9	,	,	PUNCT
ijtc-591	270	10	162–171	162–171	NUM
ijtc-591	270	11	.	.	PUNCT
ijtc-591	271	1	factors	factor	NOUN
ijtc-591	271	2	affecting	affect	VERB
ijtc-591	271	3	student	student	NOUN
ijtc-591	271	4	financial	financial	ADJ
ijtc-591	271	5	literacy	literacy	NOUN
ijtc-591	271	6	triana	triana	NOUN
ijtc-591	271	7	and	and	CCONJ
ijtc-591	271	8	ibrohim	ibrohim	PRON
ijtc-591	271	9	434	434	NUM
ijtc-591	271	10	|	|	ADV
ijtc-591	271	11	ilomata	ilomata	PROPN
ijtc-591	271	12	international	international	ADJ
ijtc-591	271	13	journal	journal	NOUN
ijtc-591	271	14	of	of	ADP
ijtc-591	271	15	tax	tax	PROPN
ijtc-591	271	16	&	&	CCONJ
ijtc-591	271	17	accounting	accounting	PROPN
ijtc-591	272	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-591	272	2	https://www.academia.edu/6887073/personal_financial_literacy_among_university_stu	https://www.academia.edu/6887073/personal_financial_literacy_among_university_stu	PROPN
ijtc-591	272	3	dents_case_study_at_padjadjaran_university_students_bandung_indonesia	dents_case_study_at_padjadjaran_university_students_bandung_indonesia	PROPN
ijtc-591	272	4	otoritas	otorita	NOUN
ijtc-591	272	5	jasa	jasa	PROPN
ijtc-591	272	6	keuangan	keuangan	PROPN
ijtc-591	272	7	.	.	PUNCT
ijtc-591	273	1	(	(	PUNCT
ijtc-591	273	2	2017	2017	NUM
ijtc-591	273	3	)	)	PUNCT
ijtc-591	273	4	.	.	PUNCT
ijtc-591	274	1	strategi	strategi	PROPN
ijtc-591	274	2	nasional	nasional	PROPN
ijtc-591	274	3	literasi	literasi	PROPN
ijtc-591	274	4	keuangan	keuangan	PROPN
ijtc-591	274	5	indonesia	indonesia	PROPN
ijtc-591	274	6	(	(	PUNCT
ijtc-591	274	7	revisit	revisit	PROPN
ijtc-591	274	8	2017	2017	NUM
ijtc-591	274	9	)	)	PUNCT
ijtc-591	274	10	.	.	PUNCT
ijtc-591	275	1	in	in	ADP
ijtc-591	275	2	otoritas	otoritas	PROPN
ijtc-591	275	3	jasa	jasa	PROPN
ijtc-591	275	4	keuangan	keuangan	PROPN
ijtc-591	275	5	.	.	PUNCT
ijtc-591	276	1	https://ojk.go.id/id/berita-dankegiatan/publikasi/documents/pages/strategi-nasional-literasi-keuangan-indonesia(revisit-2017)-/snlki	https://ojk.go.id/id/berita-dankegiatan/publikasi/documents/pages/strategi-nasional-literasi-keuangan-indonesia(revisit-2017)-/snlki	PROPN
ijtc-591	276	2	(	(	PUNCT
ijtc-591	276	3	revisit	revisit	NOUN
ijtc-591	276	4	2017)-new.pdf	2017)-new.pdf	PROPN
ijtc-591	276	5	otoritas	otoritas	PROPN
ijtc-591	276	6	jasa	jasa	PROPN
ijtc-591	276	7	keuangan	keuangan	PROPN
ijtc-591	276	8	.	.	PUNCT
ijtc-591	277	1	(	(	PUNCT
ijtc-591	277	2	2019	2019	NUM
ijtc-591	277	3	)	)	PUNCT
ijtc-591	277	4	.	.	PUNCT
ijtc-591	278	1	survei	survei	PROPN
ijtc-591	278	2	nasional	nasional	PROPN
ijtc-591	278	3	literasi	literasi	PROPN
ijtc-591	278	4	dan	dan	PROPN
ijtc-591	278	5	inklusi	inklusi	PROPN
ijtc-591	278	6	keuangan	keuangan	VERB
ijtc-591	278	7	2019	2019	NUM
ijtc-591	278	8	.	.	PUNCT
ijtc-591	279	1	jasa	jasa	PROPN
ijtc-591	279	2	keuangan	keuangan	PROPN
ijtc-591	279	3	,	,	PUNCT
ijtc-591	279	4	otoritas	otorita	NOUN
ijtc-591	279	5	.	.	PUNCT
ijtc-591	280	1	https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/pages/survei-nasionalliterasi-dan-inklusi-keuangan-2019.aspx	https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/pages/survei-nasionalliterasi-dan-inklusi-keuangan-2019.aspx	NOUN
ijtc-591	280	2	popovich	popovich	PROPN
ijtc-591	280	3	,	,	PUNCT
ijtc-591	280	4	j.	j.	PROPN
ijtc-591	280	5	j.	j.	PROPN
ijtc-591	280	6	,	,	PUNCT
ijtc-591	280	7	loibl	loibl	PROPN
ijtc-591	280	8	,	,	PUNCT
ijtc-591	280	9	c.	c.	PROPN
ijtc-591	280	10	,	,	PUNCT
ijtc-591	280	11	zirkle	zirkle	PROPN
ijtc-591	280	12	,	,	PUNCT
ijtc-591	280	13	c.	c.	PROPN
ijtc-591	280	14	,	,	PUNCT
ijtc-591	280	15	&	&	CCONJ
ijtc-591	280	16	whittington	whittington	PROPN
ijtc-591	280	17	,	,	PUNCT
ijtc-591	280	18	m.	m.	PROPN
ijtc-591	280	19	s.	s.	PROPN
ijtc-591	280	20	(	(	PUNCT
ijtc-591	280	21	2020	2020	NUM
ijtc-591	280	22	)	)	PUNCT
ijtc-591	280	23	.	.	PUNCT
ijtc-591	281	1	community	community	NOUN
ijtc-591	281	2	college	college	NOUN
ijtc-591	281	3	students	student	NOUN
ijtc-591	281	4	’	’	PART
ijtc-591	281	5	response	response	NOUN
ijtc-591	281	6	to	to	ADP
ijtc-591	281	7	a	a	DET
ijtc-591	281	8	financial	financial	ADJ
ijtc-591	281	9	literacy	literacy	NOUN
ijtc-591	281	10	intervention	intervention	NOUN
ijtc-591	281	11	:	:	PUNCT
ijtc-591	281	12	an	an	DET
ijtc-591	281	13	exploratory	exploratory	ADJ
ijtc-591	281	14	study	study	NOUN
ijtc-591	281	15	.	.	PUNCT
ijtc-591	282	1	international	international	ADJ
ijtc-591	282	2	review	review	NOUN
ijtc-591	282	3	of	of	ADP
ijtc-591	282	4	economics	economic	NOUN
ijtc-591	282	5	education	education	NOUN
ijtc-591	282	6	,	,	PUNCT
ijtc-591	282	7	34	34	NUM
ijtc-591	282	8	,	,	PUNCT
ijtc-591	282	9	100182	100182	NUM
ijtc-591	282	10	.	.	PUNCT
ijtc-591	283	1	https://doi.org/10.1016/j.iree.2020.100182	https://doi.org/10.1016/j.iree.2020.100182	PROPN
ijtc-591	283	2	shandy	shandy	PROPN
ijtc-591	283	3	,	,	PUNCT
ijtc-591	283	4	k.	k.	PROPN
ijtc-591	283	5	f.	f.	PROPN
ijtc-591	283	6	(	(	PUNCT
ijtc-591	283	7	2021	2021	NUM
ijtc-591	283	8	)	)	PUNCT
ijtc-591	283	9	.	.	PUNCT
ijtc-591	284	1	duh	duh	PROPN
ijtc-591	284	2	,	,	PUNCT
ijtc-591	284	3	tingkat	tingkat	PROPN
ijtc-591	284	4	melek	melek	VERB
ijtc-591	284	5	keuangan	keuangan	PROPN
ijtc-591	284	6	kita	kita	PROPN
ijtc-591	284	7	kalah	kalah	PROPN
ijtc-591	284	8	jauh	jauh	PROPN
ijtc-591	284	9	oleh	oleh	PROPN
ijtc-591	284	10	china	china	PROPN
ijtc-591	284	11	dan	dan	PROPN
ijtc-591	284	12	india	india	PROPN
ijtc-591	284	13	.	.	PUNCT
ijtc-591	285	1	sindo	sindo	PROPN
ijtc-591	285	2	news	news	PROPN
ijtc-591	285	3	,	,	PUNCT
ijtc-591	285	4	1	1	NUM
ijtc-591	285	5	.	.	PUNCT
ijtc-591	285	6	https://ekbis.sindonews.com/read/302262/178/duh-tingkat-melekkeuangan-kita-kalah-jauh-oleh-china-dan-india-1610690476	https://ekbis.sindonews.com/read/302262/178/duh-tingkat-melekkeuangan-kita-kalah-jauh-oleh-china-dan-india-1610690476	PRON
ijtc-591	285	7	siregar	siregar	NOUN
ijtc-591	285	8	,	,	PUNCT
ijtc-591	285	9	c.	c.	PROPN
ijtc-591	285	10	p.	p.	PROPN
ijtc-591	285	11	r.	r.	PROPN
ijtc-591	285	12	(	(	PUNCT
ijtc-591	285	13	2018	2018	NUM
ijtc-591	285	14	)	)	PUNCT
ijtc-591	285	15	.	.	PUNCT
ijtc-591	286	1	pengaruh	pengaruh	NOUN
ijtc-591	286	2	literasi	literasi	NOUN
ijtc-591	286	3	keuangan	keuangan	PROPN
ijtc-591	286	4	dan	dan	PROPN
ijtc-591	286	5	persepsi	persepsi	PROPN
ijtc-591	286	6	risiko	risiko	PROPN
ijtc-591	286	7	mahasiswa	mahasiswa	PROPN
ijtc-591	286	8	terhadap	terhadap	PROPN
ijtc-591	286	9	minat	minat	PROPN
ijtc-591	286	10	menggunakan	menggunakan	PROPN
ijtc-591	286	11	layanan	layanan	PROPN
ijtc-591	286	12	internet	internet	NOUN
ijtc-591	286	13	banking	banking	NOUN
ijtc-591	286	14	[	[	X
ijtc-591	286	15	institut	institut	PROPN
ijtc-591	286	16	pertanian	pertanian	ADJ
ijtc-591	286	17	bogor	bogor	NOUN
ijtc-591	286	18	]	]	PUNCT
ijtc-591	286	19	.	.	PUNCT
ijtc-591	287	1	https://repository.ipb.ac.id/handle/123456789/95015?show=full	https://repository.ipb.ac.id/handle/123456789/95015?show=full	PROPN
ijtc-591	287	2	sohn	sohn	PROPN
ijtc-591	287	3	,	,	PUNCT
ijtc-591	287	4	s.	s.	PROPN
ijtc-591	287	5	,	,	PUNCT
ijtc-591	287	6	joo	joo	PROPN
ijtc-591	287	7	,	,	PUNCT
ijtc-591	287	8	s.	s.	PROPN
ijtc-591	287	9	,	,	PUNCT
ijtc-591	287	10	grable	grable	PROPN
ijtc-591	287	11	,	,	PUNCT
ijtc-591	287	12	j.	j.	PROPN
ijtc-591	287	13	e.	e.	PROPN
ijtc-591	287	14	,	,	PUNCT
ijtc-591	287	15	lee	lee	PROPN
ijtc-591	287	16	,	,	PUNCT
ijtc-591	287	17	s.	s.	PROPN
ijtc-591	287	18	,	,	PUNCT
ijtc-591	287	19	&	&	CCONJ
ijtc-591	287	20	kim	kim	PROPN
ijtc-591	287	21	,	,	PUNCT
ijtc-591	287	22	m.	m.	NOUN
ijtc-591	287	23	(	(	PUNCT
ijtc-591	287	24	2012	2012	NUM
ijtc-591	287	25	)	)	PUNCT
ijtc-591	287	26	.	.	PUNCT
ijtc-591	288	1	adolescents	adolescent	NOUN
ijtc-591	288	2	’	'	PUNCT
ijtc-591	288	3	financial	financial	ADJ
ijtc-591	288	4	literacy	literacy	NOUN
ijtc-591	288	5	:	:	PUNCT
ijtc-591	288	6	the	the	DET
ijtc-591	288	7	role	role	NOUN
ijtc-591	288	8	of	of	ADP
ijtc-591	288	9	financial	financial	ADJ
ijtc-591	288	10	socialization	socialization	NOUN
ijtc-591	288	11	agents	agent	NOUN
ijtc-591	288	12	,	,	PUNCT
ijtc-591	288	13	financial	financial	ADJ
ijtc-591	288	14	experiences	experience	NOUN
ijtc-591	288	15	,	,	PUNCT
ijtc-591	288	16	and	and	CCONJ
ijtc-591	288	17	money	money	NOUN
ijtc-591	288	18	attitudes	attitude	NOUN
ijtc-591	288	19	in	in	ADP
ijtc-591	288	20	shaping	shape	VERB
ijtc-591	288	21	financial	financial	ADJ
ijtc-591	288	22	literacy	literacy	NOUN
ijtc-591	288	23	among	among	ADP
ijtc-591	288	24	south	south	ADJ
ijtc-591	288	25	korean	korean	ADJ
ijtc-591	288	26	youth	youth	NOUN
ijtc-591	288	27	.	.	PUNCT
ijtc-591	289	1	journal	journal	PROPN
ijtc-591	289	2	of	of	ADP
ijtc-591	289	3	adolescence	adolescence	NOUN
ijtc-591	289	4	,	,	PUNCT
ijtc-591	289	5	35(4	35(4	NUM
ijtc-591	289	6	)	)	PUNCT
ijtc-591	289	7	,	,	PUNCT
ijtc-591	289	8	969–980	969–980	NUM
ijtc-591	289	9	.	.	PUNCT
ijtc-591	290	1	https://doi.org/10.1016/j.adolescence.2012.02.002	https://doi.org/10.1016/j.adolescence.2012.02.002	NOUN
ijtc-591	290	2	sugiarto	sugiarto	NOUN
ijtc-591	290	3	.	.	PUNCT
ijtc-591	291	1	(	(	PUNCT
ijtc-591	291	2	2017	2017	NUM
ijtc-591	291	3	)	)	PUNCT
ijtc-591	291	4	.	.	PUNCT
ijtc-591	292	1	metodologi	metodologi	PROPN
ijtc-591	292	2	penelitian	penelitian	PROPN
ijtc-591	292	3	bisnis	bisnis	PROPN
ijtc-591	292	4	(	(	PUNCT
ijtc-591	292	5	yeskha	yeskha	NOUN
ijtc-591	292	6	(	(	PUNCT
ijtc-591	292	7	ed	ed	NOUN
ijtc-591	292	8	.	.	PUNCT
ijtc-591	292	9	)	)	PUNCT
ijtc-591	292	10	;	;	PUNCT
ijtc-591	292	11	1st	1st	ADJ
ijtc-591	292	12	ed	ed	NOUN
ijtc-591	292	13	.	.	PUNCT
ijtc-591	292	14	)	)	PUNCT
ijtc-591	292	15	.	.	PUNCT
ijtc-591	293	1	andi	andi	PROPN
ijtc-591	293	2	publishing	publishing	PROPN
ijtc-591	293	3	.	.	PUNCT
ijtc-591	294	1	https://opac.perpusnas.go.id/detailopac.aspx?id=1075279	https://opac.perpusnas.go.id/detailopac.aspx?id=1075279	PROPN
ijtc-591	294	2	wahyuni	wahyuni	PROPN
ijtc-591	294	3	,	,	PUNCT
ijtc-591	294	4	r.	r.	PROPN
ijtc-591	294	5	,	,	PUNCT
ijtc-591	294	6	irfani	irfani	VERB
ijtc-591	294	7	,	,	PUNCT
ijtc-591	294	8	h.	h.	PROPN
ijtc-591	294	9	,	,	PUNCT
ijtc-591	294	10	syahrina	syahrina	PROPN
ijtc-591	294	11	,	,	PUNCT
ijtc-591	294	12	i.	i.	PROPN
ijtc-591	294	13	a.	a.	PROPN
ijtc-591	294	14	,	,	PUNCT
ijtc-591	294	15	&	&	CCONJ
ijtc-591	294	16	mariana	mariana	PROPN
ijtc-591	294	17	,	,	PUNCT
ijtc-591	294	18	r.	r.	PROPN
ijtc-591	294	19	(	(	PUNCT
ijtc-591	294	20	2019	2019	NUM
ijtc-591	294	21	)	)	PUNCT
ijtc-591	294	22	.	.	PUNCT
ijtc-591	295	1	pengaruh	pengaruh	PROPN
ijtc-591	295	2	gaya	gaya	PROPN
ijtc-591	295	3	hidup	hidup	PROPN
ijtc-591	295	4	dan	dan	PROPN
ijtc-591	295	5	literasi	literasi	PROPN
ijtc-591	295	6	keuangan	keuangan	PROPN
ijtc-591	295	7	terhadap	terhadap	PROPN
ijtc-591	295	8	perilaku	perilaku	PROPN
ijtc-591	295	9	konsumtif	konsumtif	PROPN
ijtc-591	295	10	berbelanja	berbelanja	VERB
ijtc-591	295	11	online	online	PROPN
ijtc-591	295	12	pada	pada	PROPN
ijtc-591	295	13	ibu	ibu	PROPN
ijtc-591	295	14	rumah	rumah	PROPN
ijtc-591	295	15	tangga	tangga	PROPN
ijtc-591	295	16	di	di	PROPN
ijtc-591	295	17	kecamatan	kecamatan	PROPN
ijtc-591	295	18	lubuk	lubuk	PROPN
ijtc-591	295	19	begalung	begalung	PROPN
ijtc-591	295	20	kota	kota	PROPN
ijtc-591	295	21	padang	padang	PROPN
ijtc-591	295	22	.	.	PROPN
ijtc-591	296	1	jurnal	jurnal	PROPN
ijtc-591	296	2	benefita	benefita	PROPN
ijtc-591	296	3	,	,	PUNCT
ijtc-591	296	4	4(3	4(3	NUM
ijtc-591	296	5	)	)	PUNCT
ijtc-591	296	6	,	,	PUNCT
ijtc-591	296	7	548	548	NUM
ijtc-591	296	8	.	.	PUNCT
ijtc-591	297	1	https://doi.org/10.22216/jbe.v4i3.4194	https://doi.org/10.22216/jbe.v4i3.4194	PROPN
ijtc-591	297	2	widyawati	widyawati	PROPN
ijtc-591	297	3	,	,	PUNCT
ijtc-591	297	4	i.	i.	PROPN
ijtc-591	297	5	(	(	PUNCT
ijtc-591	297	6	2012	2012	NUM
ijtc-591	297	7	)	)	PUNCT
ijtc-591	297	8	.	.	PUNCT
ijtc-591	298	1	faktor	faktor	NOUN
ijtc-591	298	2	-	-	PUNCT
ijtc-591	298	3	faktor	faktor	PROPN
ijtc-591	298	4	yang	yang	PROPN
ijtc-591	298	5	mempengaruhi	mempengaruhi	PROPN
ijtc-591	298	6	literasi	literasi	ADJ
ijtc-591	298	7	finansial	finansial	ADJ
ijtc-591	298	8	mahasiswa	mahasiswa	PROPN
ijtc-591	298	9	fakultas	fakulta	VERB
ijtc-591	298	10	ekonomi	ekonomi	PROPN
ijtc-591	298	11	dan	dan	PROPN
ijtc-591	298	12	bisnis	bisnis	PROPN
ijtc-591	298	13	universitas	universitas	PROPN
ijtc-591	298	14	brawijaya	brawijaya	NOUN
ijtc-591	298	15	.	.	PUNCT
ijtc-591	299	1	assets	asset	NOUN
ijtc-591	299	2	:	:	PUNCT
ijtc-591	299	3	jurnal	jurnal	PROPN
ijtc-591	299	4	akuntansi	akuntansi	PROPN
ijtc-591	299	5	dan	dan	PROPN
ijtc-591	299	6	pendidikan	pendidikan	PROPN
ijtc-591	299	7	,	,	PUNCT
ijtc-591	299	8	1(1	1(1	NUM
ijtc-591	299	9	)	)	PUNCT
ijtc-591	299	10	,	,	PUNCT
ijtc-591	299	11	89	89	NUM
ijtc-591	299	12	.	.	PUNCT
ijtc-591	300	1	https://doi.org/10.25273/jap.v1i1.527	https://doi.org/10.25273/jap.v1i1.527	PROPN
ijtc-591	300	2	zhou	zhou	PROPN
ijtc-591	300	3	,	,	PUNCT
ijtc-591	300	4	y.	y.	PROPN
ijtc-591	300	5	,	,	PUNCT
ijtc-591	300	6	yang	yang	PROPN
ijtc-591	300	7	,	,	PUNCT
ijtc-591	300	8	m.	m.	NOUN
ijtc-591	300	9	,	,	PUNCT
ijtc-591	300	10	&	&	CCONJ
ijtc-591	300	11	gan	gan	PROPN
ijtc-591	300	12	,	,	PUNCT
ijtc-591	300	13	x.	x.	NOUN
ijtc-591	300	14	(	(	PUNCT
ijtc-591	300	15	2022	2022	NUM
ijtc-591	300	16	)	)	PUNCT
ijtc-591	300	17	.	.	PUNCT
ijtc-591	301	1	education	education	NOUN
ijtc-591	301	2	and	and	CCONJ
ijtc-591	301	3	financial	financial	ADJ
ijtc-591	301	4	literacy	literacy	NOUN
ijtc-591	301	5	:	:	PUNCT
ijtc-591	301	6	evidence	evidence	NOUN
ijtc-591	301	7	from	from	ADP
ijtc-591	301	8	compulsory	compulsory	ADJ
ijtc-591	301	9	schooling	schooling	NOUN
ijtc-591	301	10	law	law	NOUN
ijtc-591	301	11	in	in	ADP
ijtc-591	301	12	china	china	PROPN
ijtc-591	301	13	.	.	PUNCT
ijtc-591	302	1	the	the	DET
ijtc-591	302	2	quarterly	quarterly	ADJ
ijtc-591	302	3	review	review	NOUN
ijtc-591	302	4	of	of	ADP
ijtc-591	302	5	economics	economic	NOUN
ijtc-591	302	6	and	and	CCONJ
ijtc-591	302	7	finance	finance	NOUN
ijtc-591	302	8	.	.	PUNCT
ijtc-591	303	1	https://doi.org/10.1016/j.qref.2022.09.006	https://doi.org/10.1016/j.qref.2022.09.006	NUM