id	sid	tid	token	lemma	pos
ijtc-909	1	1	the	the	DET
ijtc-909	1	2	illomata	illomata	PROPN
ijtc-909	1	3	international	international	PROPN
ijtc-909	1	4	journal	journal	PROPN
ijtc-909	1	5	of	of	ADP
ijtc-909	1	6	management	management	NOUN
ijtc-909	1	7	ilomata	ilomata	PROPN
ijtc-909	1	8	international	international	ADJ
ijtc-909	1	9	journal	journal	NOUN
ijtc-909	1	10	of	of	ADP
ijtc-909	1	11	tax	tax	PROPN
ijtc-909	1	12	&	&	CCONJ
ijtc-909	1	13	accounting	account	VERB
ijtc-909	1	14	p	p	PROPN
ijtc-909	1	15	-	-	PUNCT
ijtc-909	1	16	issn	issn	NOUN
ijtc-909	1	17	:	:	PUNCT
ijtc-909	1	18	2714	2714	NUM
ijtc-909	1	19	-	-	SYM
ijtc-909	1	20	9838	9838	NUM
ijtc-909	1	21	;	;	PUNCT
ijtc-909	1	22	e	e	X
ijtc-909	1	23	-	-	PUNCT
ijtc-909	1	24	issn	issn	NOUN
ijtc-909	1	25	:	:	PUNCT
ijtc-909	1	26	2714	2714	NUM
ijtc-909	1	27	-	-	SYM
ijtc-909	1	28	9846	9846	NUM
ijtc-909	1	29	volume	volume	NOUN
ijtc-909	1	30	4	4	NUM
ijtc-909	1	31	,	,	PUNCT
ijtc-909	1	32	issue	issue	NOUN
ijtc-909	1	33	4	4	NUM
ijtc-909	1	34	,	,	PUNCT
ijtc-909	1	35	october	october	PROPN
ijtc-909	1	36	2023	2023	NUM
ijtc-909	1	37	page	page	NOUN
ijtc-909	1	38	no	no	NOUN
ijtc-909	1	39	.	.	PUNCT
ijtc-909	2	1	771	771	NUM
ijtc-909	2	2	-	-	SYM
ijtc-909	2	3	781	781	NUM
ijtc-909	2	4	771	771	NUM
ijtc-909	2	5	|	|	ADV
ijtc-909	2	6	ilomata	ilomata	PROPN
ijtc-909	2	7	international	international	ADJ
ijtc-909	2	8	journal	journal	NOUN
ijtc-909	2	9	of	of	ADP
ijtc-909	2	10	tax	tax	PROPN
ijtc-909	2	11	&	&	CCONJ
ijtc-909	2	12	accounting	account	VERB
ijtc-909	2	13	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-909	2	14	the	the	DET
ijtc-909	2	15	influence	influence	NOUN
ijtc-909	2	16	of	of	ADP
ijtc-909	2	17	operational	operational	ADJ
ijtc-909	2	18	costs	cost	NOUN
ijtc-909	2	19	on	on	ADP
ijtc-909	2	20	operating	operate	VERB
ijtc-909	2	21	income	income	NOUN
ijtc-909	2	22	and	and	CCONJ
ijtc-909	2	23	interest	interest	NOUN
ijtc-909	2	24	rates	rate	NOUN
ijtc-909	2	25	on	on	ADP
ijtc-909	2	26	non	non	NOUN
ijtc-909	2	27	-	-	NOUN
ijtc-909	2	28	performingiloans	performingiloan	NOUN
ijtc-909	2	29	in	in	ADP
ijtc-909	2	30	banking	banking	NOUN
ijtc-909	2	31	companies	company	NOUN
ijtc-909	2	32	listed	list	VERB
ijtc-909	2	33	on	on	ADP
ijtc-909	2	34	thei	thei	PROPN
ijtc-909	2	35	indonesian	indonesian	PROPN
ijtc-909	2	36	stock	stock	PROPN
ijtc-909	2	37	exchangei	exchangei	PROPN
ijtc-909	2	38	rani	rani	PROPN
ijtc-909	2	39	safitri1	safitri1	PROPN
ijtc-909	2	40	,	,	PUNCT
ijtc-909	2	41	sulastri2	sulastri2	NOUN
ijtc-909	2	42	,	,	PUNCT
ijtc-909	2	43	isni	isni	VERB
ijtc-909	2	44	andriana3	andriana3	PROPN
ijtc-909	3	1	123sriwijaya	123sriwijaya	PROPN
ijtc-909	3	2	university	university	NOUN
ijtc-909	3	3	,	,	PUNCT
ijtc-909	3	4	indonesia	indonesia	PROPN
ijtc-909	3	5	correspondent	correspondent	NOUN
ijtc-909	3	6	:	:	PUNCT
ijtc-909	3	7	sulastri@unsri.ac.id2	sulastri@unsri.ac.id2	NUM
ijtc-909	3	8	received	receive	VERB
ijtc-909	3	9	:	:	PUNCT
ijtc-909	3	10	september	september	PROPN
ijtc-909	3	11	4	4	NUM
ijtc-909	3	12	,	,	PUNCT
ijtc-909	3	13	2023	2023	NUM
ijtc-909	3	14	accepted	accept	VERB
ijtc-909	3	15	:	:	PUNCT
ijtc-909	3	16	october	october	PROPN
ijtc-909	3	17	18	18	NUM
ijtc-909	3	18	,	,	PUNCT
ijtc-909	3	19	2023	2023	NUM
ijtc-909	3	20	published	publish	VERB
ijtc-909	3	21	:	:	PUNCT
ijtc-909	3	22	october	october	PROPN
ijtc-909	3	23	31	31	NUM
ijtc-909	3	24	,	,	PUNCT
ijtc-909	3	25	2023	2023	NUM
ijtc-909	3	26	citation	citation	NOUN
ijtc-909	3	27	:	:	PUNCT
ijtc-909	3	28	safitri	safitri	ADJ
ijtc-909	3	29	,	,	PUNCT
ijtc-909	3	30	r.	r.	PROPN
ijtc-909	3	31	,	,	PUNCT
ijtc-909	3	32	sulastri	sulastri	PROPN
ijtc-909	3	33	.	.	PROPN
ijtc-909	3	34	,	,	PUNCT
ijtc-909	3	35	andriana	andriana	PROPN
ijtc-909	3	36	,	,	PUNCT
ijtc-909	3	37	i.	i.	PROPN
ijtc-909	3	38	(	(	PUNCT
ijtc-909	3	39	2023	2023	NUM
ijtc-909	3	40	)	)	PUNCT
ijtc-909	3	41	.	.	PUNCT
ijtc-909	4	1	the	the	DET
ijtc-909	4	2	influence	influence	NOUN
ijtc-909	4	3	of	of	ADP
ijtc-909	4	4	operational	operational	ADJ
ijtc-909	4	5	costs	cost	NOUN
ijtc-909	4	6	on	on	ADP
ijtc-909	4	7	operatingiincomeiand	operatingiincomeiand	ADJ
ijtc-909	4	8	interest	interest	NOUN
ijtc-909	4	9	rates	rate	NOUN
ijtc-909	4	10	on	on	ADP
ijtc-909	4	11	nonperforming	nonperforme	VERB
ijtc-909	4	12	loans	loan	NOUN
ijtc-909	4	13	in	in	ADP
ijtc-909	4	14	banking	banking	NOUN
ijtc-909	4	15	companies	company	NOUN
ijtc-909	4	16	listed	list	VERB
ijtc-909	4	17	on	on	ADP
ijtc-909	4	18	the	the	DET
ijtc-909	4	19	indonesian	indonesian	ADJ
ijtc-909	4	20	stock	stock	PROPN
ijtc-909	4	21	exchange	exchange	PROPN
ijtc-909	4	22	.	.	PUNCT
ijtc-909	5	1	ilomata	ilomata	PROPN
ijtc-909	5	2	international	international	ADJ
ijtc-909	5	3	journal	journal	NOUN
ijtc-909	5	4	of	of	ADP
ijtc-909	5	5	tax	tax	NOUN
ijtc-909	5	6	and	and	CCONJ
ijtc-909	5	7	accounting	accounting	NOUN
ijtc-909	5	8	,	,	PUNCT
ijtc-909	5	9	4(4),771	4(4),771	NUM
ijtc-909	5	10	-	-	SYM
ijtc-909	5	11	781	781	NUM
ijtc-909	5	12	.	.	PUNCT
ijtc-909	6	1	https://doi.org/10.52728/ijtc.v4i4.909	https://doi.org/10.52728/ijtc.v4i4.909	ADJ
ijtc-909	6	2	abstract	abstract	NOUN
ijtc-909	6	3	:	:	PUNCT
ijtc-909	6	4	this	this	DET
ijtc-909	6	5	study	study	NOUN
ijtc-909	6	6	aims	aim	VERB
ijtc-909	6	7	to	to	PART
ijtc-909	6	8	analyze	analyze	VERB
ijtc-909	6	9	the	the	DET
ijtc-909	6	10	effect	effect	NOUN
ijtc-909	6	11	of	of	ADP
ijtc-909	6	12	operational	operational	ADJ
ijtc-909	6	13	costs	cost	NOUN
ijtc-909	6	14	on	on	ADP
ijtc-909	6	15	operational	operational	ADJ
ijtc-909	6	16	income	income	NOUN
ijtc-909	6	17	and	and	CCONJ
ijtc-909	6	18	interest	interest	NOUN
ijtc-909	6	19	rates	rate	NOUN
ijtc-909	6	20	on	on	ADP
ijtc-909	6	21	non	non	NOUN
ijtc-909	6	22	-	-	NOUN
ijtc-909	6	23	performingiloans	performingiloan	NOUN
ijtc-909	6	24	in	in	ADP
ijtc-909	6	25	banking	banking	NOUN
ijtc-909	6	26	companies	company	NOUN
ijtc-909	6	27	on	on	ADP
ijtc-909	6	28	the	the	DET
ijtc-909	6	29	indonesian	indonesian	ADJ
ijtc-909	6	30	stock	stock	PROPN
ijtc-909	6	31	exchange	exchange	PROPN
ijtc-909	6	32	.	.	PUNCT
ijtc-909	7	1	ithe	ithe	PRON
ijtc-909	7	2	population	population	NOUN
ijtc-909	7	3	in	in	ADP
ijtc-909	7	4	this	this	DET
ijtc-909	7	5	study	study	NOUN
ijtc-909	7	6	are	be	AUX
ijtc-909	7	7	banking	bank	VERB
ijtc-909	7	8	companies	company	NOUN
ijtc-909	7	9	on	on	ADP
ijtc-909	7	10	the	the	DET
ijtc-909	7	11	indonesia	indonesia	PROPN
ijtc-909	7	12	stock	stock	PROPN
ijtc-909	7	13	exchange	exchange	NOUN
ijtc-909	7	14	for	for	ADP
ijtc-909	7	15	2018	2018	NUM
ijtc-909	7	16	2022	2022	NUM
ijtc-909	7	17	with	with	ADP
ijtc-909	7	18	a	a	DET
ijtc-909	7	19	totaliof	totaliof	NOUN
ijtc-909	7	20	150	150	NUM
ijtc-909	7	21	companies	company	NOUN
ijtc-909	7	22	and	and	CCONJ
ijtc-909	7	23	a	a	DET
ijtc-909	7	24	total	total	ADJ
ijtc-909	7	25	sample	sample	NOUN
ijtc-909	7	26	of	of	ADP
ijtc-909	7	27	30	30	NUM
ijtc-909	7	28	companies	company	NOUN
ijtc-909	7	29	.	.	PUNCT
ijtc-909	8	1	ithe	ithe	ADJ
ijtc-909	8	2	sampling	sampling	NOUN
ijtc-909	8	3	technique	technique	NOUN
ijtc-909	8	4	was	be	AUX
ijtc-909	8	5	purposive	purposive	ADJ
ijtc-909	8	6	sampling	sampling	NOUN
ijtc-909	8	7	.	.	PUNCT
ijtc-909	9	1	ithe	ithe	PROPN
ijtc-909	9	2	data	data	PROPN
ijtc-909	9	3	collection	collection	NOUN
ijtc-909	9	4	technique	technique	NOUN
ijtc-909	9	5	documentation	documentation	NOUN
ijtc-909	9	6	is	be	AUX
ijtc-909	9	7	used	use	VERB
ijtc-909	9	8	from	from	ADP
ijtc-909	9	9	financial	financial	ADJ
ijtc-909	9	10	reports	report	NOUN
ijtc-909	9	11	published	publish	VERB
ijtc-909	9	12	on	on	ADP
ijtc-909	9	13	the	the	DET
ijtc-909	9	14	idx	idx	PROPN
ijtc-909	9	15	's	's	PART
ijtc-909	9	16	official	official	ADJ
ijtc-909	9	17	website	website	NOUN
ijtc-909	9	18	,	,	PUNCT
ijtc-909	9	19	namely	namely	ADV
ijtc-909	9	20	www.idx.co.id	www.idx.co.id	PROPN
ijtc-909	9	21	.	.	PUNCT
ijtc-909	10	1	ithe	ithe	ADJ
ijtc-909	10	2	analysis	analysis	NOUN
ijtc-909	10	3	used	use	VERB
ijtc-909	10	4	is	be	AUX
ijtc-909	10	5	multiple	multiple	ADJ
ijtc-909	10	6	linear	linear	ADJ
ijtc-909	10	7	regression	regression	NOUN
ijtc-909	10	8	analysis	analysis	NOUN
ijtc-909	10	9	with	with	ADP
ijtc-909	10	10	panel	panel	NOUN
ijtc-909	10	11	data	datum	NOUN
ijtc-909	10	12	.	.	PUNCT
ijtc-909	11	1	the	the	DET
ijtc-909	11	2	results	result	NOUN
ijtc-909	11	3	of	of	ADP
ijtc-909	11	4	this	this	DET
ijtc-909	11	5	research	research	NOUN
ijtc-909	11	6	show	show	VERB
ijtc-909	11	7	that	that	SCONJ
ijtc-909	11	8	operational	operational	ADJ
ijtc-909	11	9	costs	cost	NOUN
ijtc-909	11	10	on	on	ADP
ijtc-909	11	11	operational	operational	ADJ
ijtc-909	11	12	income	income	NOUN
ijtc-909	11	13	have	have	VERB
ijtc-909	11	14	a	a	DET
ijtc-909	11	15	significant	significant	ADJ
ijtc-909	11	16	positive	positive	ADJ
ijtc-909	11	17	effect	effect	NOUN
ijtc-909	11	18	on	on	ADP
ijtc-909	11	19	nonperforming	nonperforme	VERB
ijtc-909	11	20	loans	loan	NOUN
ijtc-909	11	21	,	,	PUNCT
ijtc-909	11	22	this	this	PRON
ijtc-909	11	23	means	mean	VERB
ijtc-909	11	24	that	that	SCONJ
ijtc-909	11	25	operational	operational	ADJ
ijtc-909	11	26	costs	cost	NOUN
ijtc-909	11	27	on	on	ADP
ijtc-909	11	28	operational	operational	ADJ
ijtc-909	11	29	income	income	NOUN
ijtc-909	11	30	have	have	AUX
ijtc-909	11	31	not	not	PART
ijtc-909	11	32	been	be	AUX
ijtc-909	11	33	able	able	ADJ
ijtc-909	11	34	to	to	PART
ijtc-909	11	35	minimize	minimize	VERB
ijtc-909	11	36	the	the	DET
ijtc-909	11	37	level	level	NOUN
ijtc-909	11	38	of	of	ADP
ijtc-909	11	39	non	non	ADJ
ijtc-909	11	40	-	-	ADJ
ijtc-909	11	41	performing	performing	ADJ
ijtc-909	11	42	loans	loan	NOUN
ijtc-909	11	43	,	,	PUNCT
ijtc-909	11	44	thus	thus	ADV
ijtc-909	11	45	causing	cause	VERB
ijtc-909	11	46	an	an	DET
ijtc-909	11	47	increase	increase	NOUN
ijtc-909	11	48	in	in	ADP
ijtc-909	11	49	non	non	ADJ
ijtc-909	11	50	-	-	ADJ
ijtc-909	11	51	performing	perform	VERB
ijtc-909	11	52	loans	loan	NOUN
ijtc-909	11	53	.	.	PUNCT
ijtc-909	12	1	while	while	SCONJ
ijtc-909	12	2	interest	interest	NOUN
ijtc-909	12	3	rates	rate	NOUN
ijtc-909	12	4	do	do	AUX
ijtc-909	12	5	not	not	PART
ijtc-909	12	6	affect	affect	VERB
ijtc-909	12	7	non	non	ADJ
ijtc-909	12	8	-	-	ADJ
ijtc-909	12	9	performing	performing	ADJ
ijtc-909	12	10	loans	loan	NOUN
ijtc-909	12	11	,	,	PUNCT
ijtc-909	12	12	which	which	PRON
ijtc-909	12	13	means	mean	VERB
ijtc-909	12	14	that	that	SCONJ
ijtc-909	12	15	the	the	DET
ijtc-909	12	16	interest	interest	NOUN
ijtc-909	12	17	rate	rate	NOUN
ijtc-909	12	18	position	position	NOUN
ijtc-909	12	19	does	do	AUX
ijtc-909	12	20	not	not	PART
ijtc-909	12	21	influence	influence	VERB
ijtc-909	12	22	non	non	ADJ
ijtc-909	12	23	-	-	ADJ
ijtc-909	12	24	performing	perform	VERB
ijtc-909	12	25	loans	loan	NOUN
ijtc-909	12	26	.	.	PUNCT
ijtc-909	13	1	keywords	keyword	NOUN
ijtc-909	13	2	:	:	PUNCT
ijtc-909	13	3	operational	operational	ADJ
ijtc-909	13	4	costs	cost	NOUN
ijtc-909	13	5	on	on	ADP
ijtc-909	13	6	operating	operate	VERB
ijtc-909	13	7	income	income	NOUN
ijtc-909	13	8	(	(	PUNCT
ijtc-909	13	9	bopo	bopo	NOUN
ijtc-909	13	10	)	)	PUNCT
ijtc-909	13	11	,	,	PUNCT
ijtc-909	13	12	interest	interest	NOUN
ijtc-909	13	13	rates	rate	NOUN
ijtc-909	13	14	,	,	PUNCT
ijtc-909	13	15	non	non	ADJ
ijtc-909	13	16	-	-	ADJ
ijtc-909	13	17	performing	performing	ADJ
ijtc-909	13	18	loans	loan	NOUN
ijtc-909	13	19	this	this	PRON
ijtc-909	13	20	is	be	AUX
ijtc-909	13	21	an	an	DET
ijtc-909	13	22	open	open	ADJ
ijtc-909	13	23	-	-	PUNCT
ijtc-909	13	24	access	access	NOUN
ijtc-909	13	25	article	article	NOUN
ijtc-909	13	26	under	under	ADP
ijtc-909	13	27	the	the	DET
ijtc-909	13	28	cc	cc	NOUN
ijtc-909	13	29	-	-	PUNCT
ijtc-909	13	30	by	by	ADP
ijtc-909	13	31	4.0	4.0	NUM
ijtc-909	13	32	license	license	NOUN
ijtc-909	13	33	.	.	PUNCT
ijtc-909	14	1	introduction	introduction	NOUN
ijtc-909	14	2	banking	bank	VERB
ijtc-909	14	3	financial	financial	ADJ
ijtc-909	14	4	institutions	institution	NOUN
ijtc-909	14	5	have	have	VERB
ijtc-909	14	6	a	a	DET
ijtc-909	14	7	big	big	ADJ
ijtc-909	14	8	influence	influence	NOUN
ijtc-909	14	9	with	with	ADP
ijtc-909	14	10	the	the	DET
ijtc-909	14	11	main	main	ADJ
ijtc-909	14	12	role	role	NOUN
ijtc-909	14	13	of	of	ADP
ijtc-909	14	14	collecting	collect	VERB
ijtc-909	14	15	public	public	ADJ
ijtc-909	14	16	funds	fund	NOUN
ijtc-909	14	17	in	in	ADP
ijtc-909	14	18	the	the	DET
ijtc-909	14	19	formiof	formiof	NOUN
ijtc-909	14	20	savings	saving	NOUN
ijtc-909	14	21	,	,	PUNCT
ijtc-909	14	22	current	current	ADJ
ijtc-909	14	23	accounts	account	NOUN
ijtc-909	14	24	,	,	PUNCT
ijtc-909	14	25	and	and	CCONJ
ijtc-909	14	26	deposits	deposit	NOUN
ijtc-909	14	27	.	.	PUNCT
ijtc-909	15	1	then	then	ADV
ijtc-909	15	2	it	it	PRON
ijtc-909	15	3	is	be	AUX
ijtc-909	15	4	distributed	distribute	VERB
ijtc-909	15	5	back	back	ADV
ijtc-909	15	6	to	to	ADP
ijtc-909	15	7	the	the	DET
ijtc-909	15	8	community	community	NOUN
ijtc-909	15	9	in	in	ADP
ijtc-909	15	10	the	the	DET
ijtc-909	15	11	form	form	NOUN
ijtc-909	15	12	of	of	ADP
ijtc-909	15	13	credit	credit	NOUN
ijtc-909	15	14	(	(	PUNCT
ijtc-909	15	15	putri	putri	NOUN
ijtc-909	15	16	et	et	PROPN
ijtc-909	15	17	al	al	PROPN
ijtc-909	15	18	.	.	PROPN
ijtc-909	15	19	,	,	PUNCT
ijtc-909	15	20	2022	2022	NUM
ijtc-909	15	21	)	)	PUNCT
ijtc-909	15	22	.	.	PUNCT
ijtc-909	16	1	banks	bank	NOUN
ijtc-909	16	2	provide	provide	VERB
ijtc-909	16	3	profits	profit	NOUN
ijtc-909	16	4	that	that	PRON
ijtc-909	16	5	come	come	VERB
ijtc-909	16	6	from	from	ADP
ijtc-909	16	7	the	the	DET
ijtc-909	16	8	difference	difference	NOUN
ijtc-909	16	9	between	between	ADP
ijtc-909	16	10	deposit	deposit	NOUN
ijtc-909	16	11	interest	interest	NOUN
ijtc-909	16	12	collected	collect	VERB
ijtc-909	16	13	from	from	ADP
ijtc-909	16	14	savings	saving	NOUN
ijtc-909	16	15	and	and	CCONJ
ijtc-909	16	16	loan	loan	NOUN
ijtc-909	16	17	interest	interest	NOUN
ijtc-909	16	18	distributed	distribute	VERB
ijtc-909	16	19	in	in	ADP
ijtc-909	16	20	the	the	DET
ijtc-909	16	21	form	form	NOUN
ijtc-909	16	22	of	of	ADP
ijtc-909	16	23	credit	credit	NOUN
ijtc-909	16	24	.	.	PUNCT
ijtc-909	17	1	therefore	therefore	ADV
ijtc-909	17	2	,	,	PUNCT
ijtc-909	17	3	ibanks	ibank	NOUN
ijtc-909	17	4	must	must	AUX
ijtc-909	17	5	strive	strive	VERB
ijtc-909	17	6	to	to	PART
ijtc-909	17	7	place	place	VERB
ijtc-909	17	8	the	the	DET
ijtc-909	17	9	funds	fund	NOUN
ijtc-909	17	10	they	they	PRON
ijtc-909	17	11	have	have	VERB
ijtc-909	17	12	in	in	ADP
ijtc-909	17	13	the	the	DET
ijtc-909	17	14	most	most	ADV
ijtc-909	17	15	profitable	profitable	ADJ
ijtc-909	17	16	form	form	NOUN
ijtc-909	17	17	,	,	PUNCT
ijtc-909	17	18	namely	namely	ADV
ijtc-909	17	19	credit	credit	NOUN
ijtc-909	17	20	(	(	PUNCT
ijtc-909	17	21	betz	betz	PROPN
ijtc-909	17	22	&	&	CCONJ
ijtc-909	17	23	kerner	kerner	PROPN
ijtc-909	17	24	,	,	PUNCT
ijtc-909	17	25	2016	2016	NUM
ijtc-909	17	26	;	;	PUNCT
ijtc-909	17	27	mattingly	mattingly	PROPN
ijtc-909	17	28	,	,	PUNCT
ijtc-909	17	29	2019	2019	NUM
ijtc-909	17	30	;	;	PUNCT
ijtc-909	17	31	ranaldo	ranaldo	VERB
ijtc-909	17	32	et	et	PROPN
ijtc-909	17	33	al	al	PROPN
ijtc-909	17	34	.	.	PROPN
ijtc-909	17	35	,	,	PUNCT
ijtc-909	17	36	2021	2021	NUM
ijtc-909	17	37	)	)	PUNCT
ijtc-909	17	38	.	.	PUNCT
ijtc-909	18	1	credit	credit	NOUN
ijtc-909	18	2	distribution	distribution	NOUN
ijtc-909	18	3	can	can	AUX
ijtc-909	18	4	create	create	VERB
ijtc-909	18	5	quite	quite	ADV
ijtc-909	18	6	large	large	ADJ
ijtc-909	18	7	risks	risk	NOUN
ijtc-909	18	8	that	that	PRON
ijtc-909	18	9	will	will	AUX
ijtc-909	18	10	be	be	AUX
ijtc-909	18	11	faced	face	VERB
ijtc-909	18	12	by	by	ADP
ijtc-909	18	13	banks	bank	NOUN
ijtc-909	18	14	because	because	SCONJ
ijtc-909	18	15	large	large	ADJ
ijtc-909	18	16	credit	credit	NOUN
ijtc-909	18	17	distribution	distribution	NOUN
ijtc-909	18	18	can	can	AUX
ijtc-909	18	19	lead	lead	VERB
ijtc-909	18	20	to	to	ADP
ijtc-909	18	21	problematic	problematic	ADJ
ijtc-909	18	22	credit	credit	NOUN
ijtc-909	18	23	.	.	PUNCT
ijtc-909	19	1	thus	thus	ADV
ijtc-909	19	2	,	,	PUNCT
ijtc-909	19	3	banks	bank	NOUN
ijtc-909	19	4	need	need	VERB
ijtc-909	19	5	to	to	PART
ijtc-909	19	6	be	be	AUX
ijtc-909	19	7	careful	careful	ADJ
ijtc-909	19	8	in	in	ADP
ijtc-909	19	9	managing	manage	VERB
ijtc-909	19	10	the	the	DET
ijtc-909	19	11	funds	fund	NOUN
ijtc-909	19	12	they	they	PRON
ijtc-909	19	13	have	have	VERB
ijtc-909	19	14	in	in	ADP
ijtc-909	19	15	the	the	DET
ijtc-909	19	16	form	form	NOUN
ijtc-909	19	17	of	of	ADP
ijtc-909	19	18	credit	credit	NOUN
ijtc-909	19	19	(	(	PUNCT
ijtc-909	19	20	mattunruang	mattunruang	PROPN
ijtc-909	19	21	&	&	CCONJ
ijtc-909	19	22	a.	a.	PROPN
ijtc-909	19	23	,	,	PUNCT
ijtc-909	19	24	2023	2023	NUM
ijtc-909	19	25	)	)	PUNCT
ijtc-909	19	26	.	.	PUNCT
ijtc-909	20	1	the	the	DET
ijtc-909	20	2	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-909	20	3	mailto:sulastri@unsri.ac.id	mailto:sulastri@unsri.ac.id	NOUN
ijtc-909	20	4	https://doi.org/10.52728/ijtc.v4i4.909	https://doi.org/10.52728/ijtc.v4i4.909	NOUN
ijtc-909	20	5	the	the	DET
ijtc-909	20	6	influence	influence	NOUN
ijtc-909	20	7	of	of	ADP
ijtc-909	20	8	operational	operational	ADJ
ijtc-909	20	9	costs	cost	NOUN
ijtc-909	20	10	on	on	ADP
ijtc-909	20	11	operating	operate	VERB
ijtc-909	20	12	income	income	NOUN
ijtc-909	20	13	and	and	CCONJ
ijtc-909	20	14	interest	interest	NOUN
ijtc-909	20	15	rates	rate	NOUN
ijtc-909	20	16	on	on	ADP
ijtc-909	20	17	nonperforming	nonperforme	VERB
ijtc-909	20	18	loans	loan	NOUN
ijtc-909	20	19	in	in	ADP
ijtc-909	20	20	banking	banking	NOUN
ijtc-909	20	21	companies	company	NOUN
ijtc-909	20	22	listed	list	VERB
ijtc-909	20	23	on	on	ADP
ijtc-909	20	24	the	the	DET
ijtc-909	20	25	indonesian	indonesian	ADJ
ijtc-909	20	26	stock	stock	PROPN
ijtc-909	20	27	exchange	exchange	PROPN
ijtc-909	20	28	safitri	safitri	PROPN
ijtc-909	20	29	,	,	PUNCT
ijtc-909	20	30	sulastri	sulastri	ADJ
ijtc-909	20	31	,	,	PUNCT
ijtc-909	20	32	and	and	CCONJ
ijtc-909	20	33	andriana	andriana	NOUN
ijtc-909	20	34	772	772	NUM
ijtc-909	20	35	|	|	ADV
ijtc-909	20	36	ilomata	ilomata	PROPN
ijtc-909	20	37	international	international	ADJ
ijtc-909	20	38	journal	journal	NOUN
ijtc-909	20	39	of	of	ADP
ijtc-909	20	40	tax	tax	PROPN
ijtc-909	20	41	&	&	CCONJ
ijtc-909	20	42	accounting	accounting	PROPN
ijtc-909	20	43	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-909	20	44	following	follow	VERB
ijtc-909	20	45	is	be	AUX
ijtc-909	20	46	data	datum	NOUN
ijtc-909	20	47	on	on	ADP
ijtc-909	20	48	bank	bank	NOUN
ijtc-909	20	49	credit	credit	NOUN
ijtc-909	20	50	performance	performance	NOUN
ijtc-909	20	51	in	in	ADP
ijtc-909	20	52	credit	credit	NOUN
ijtc-909	20	53	distribution	distribution	NOUN
ijtc-909	20	54	and	and	CCONJ
ijtc-909	20	55	growth	growth	NOUN
ijtc-909	20	56	for	for	ADP
ijtc-909	20	57	the	the	DET
ijtc-909	20	58	period	period	NOUN
ijtc-909	20	59	2018	2018	NUM
ijtc-909	20	60	2022	2022	NUM
ijtc-909	20	61	:	:	PUNCT
ijtc-909	20	62	table	table	NOUN
ijtc-909	20	63	1	1	NUM
ijtc-909	20	64	banking	banking	NOUN
ijtc-909	20	65	credit	credit	NOUN
ijtc-909	20	66	performance	performance	NOUN
ijtc-909	20	67	2018	2018	NUM
ijtc-909	20	68	-	-	SYM
ijtc-909	20	69	2022	2022	NUM
ijtc-909	20	70	year	year	NOUN
ijtc-909	20	71	banking	banking	NOUN
ijtc-909	20	72	credit	credit	NOUN
ijtc-909	20	73	performance	performance	NOUN
ijtc-909	20	74	credit	credit	NOUN
ijtc-909	20	75	(	(	PUNCT
ijtc-909	20	76	rp	rp	NOUN
ijtc-909	20	77	trillion	trillion	NUM
ijtc-909	20	78	)	)	PUNCT
ijtc-909	20	79	growth	growth	NOUN
ijtc-909	20	80	2017	2017	NUM
ijtc-909	20	81	4.737,94	4.737,94	NUM
ijtc-909	20	82	8,24	8,24	NUM
ijtc-909	20	83	%	%	NOUN
ijtc-909	20	84	2018	2018	NUM
ijtc-909	20	85	5.294,88	5.294,88	NUM
ijtc-909	20	86	11,75	11,75	NUM
ijtc-909	20	87	%	%	NOUN
ijtc-909	20	88	2019	2019	NUM
ijtc-909	20	89	5.616,99	5.616,99	NUM
ijtc-909	20	90	6,08	6,08	NUM
ijtc-909	20	91	%	%	NOUN
ijtc-909	20	92	2020	2020	NUM
ijtc-909	20	93	5.481,62	5.481,62	NUM
ijtc-909	20	94	2,41	2,41	NUM
ijtc-909	20	95	%	%	NOUN
ijtc-909	20	96	2021	2021	NUM
ijtc-909	20	97	5.768,58	5.768,58	NUM
ijtc-909	20	98	5,3	5,3	NUM
ijtc-909	20	99	%	%	NOUN
ijtc-909	20	100	2022	2022	NUM
ijtc-909	20	101	6.387	6.387	NUM
ijtc-909	20	102	11,35	11,35	NUM
ijtc-909	20	103	%	%	NOUN
ijtc-909	20	104	source	source	NOUN
ijtc-909	20	105	:	:	PUNCT
ijtc-909	20	106	processed	process	VERB
ijtc-909	20	107	data	datum	NOUN
ijtc-909	20	108	(	(	PUNCT
ijtc-909	20	109	2023	2023	NUM
ijtc-909	20	110	)	)	PUNCT
ijtc-909	20	111	.	.	PUNCT
ijtc-909	21	1	based	base	VERB
ijtc-909	21	2	on	on	ADP
ijtc-909	21	3	the	the	DET
ijtc-909	21	4	table	table	NOUN
ijtc-909	21	5	above	above	ADV
ijtc-909	21	6	,	,	PUNCT
ijtc-909	21	7	the	the	DET
ijtc-909	21	8	data	datum	NOUN
ijtc-909	21	9	shows	show	VERB
ijtc-909	21	10	that	that	SCONJ
ijtc-909	21	11	in	in	ADP
ijtc-909	21	12	2018	2018	NUM
ijtc-909	21	13	banking	banking	NOUN
ijtc-909	21	14	credit	credit	NOUN
ijtc-909	21	15	performance	performance	NOUN
ijtc-909	21	16	grew	grow	VERB
ijtc-909	21	17	by	by	ADP
ijtc-909	21	18	11.75	11.75	NUM
ijtc-909	21	19	%	%	NOUN
ijtc-909	21	20	.	.	PUNCT
ijtc-909	22	1	then	then	ADV
ijtc-909	22	2	in	in	ADP
ijtc-909	22	3	2019	2019	NUM
ijtc-909	22	4	,	,	PUNCT
ijtc-909	22	5	credit	credit	NOUN
ijtc-909	22	6	decreased	decrease	VERB
ijtc-909	22	7	by	by	ADP
ijtc-909	22	8	6.08	6.08	NUM
ijtc-909	22	9	%	%	NOUN
ijtc-909	22	10	,	,	PUNCT
ijtc-909	22	11	due	due	ADP
ijtc-909	22	12	to	to	ADP
ijtc-909	22	13	the	the	DET
ijtc-909	22	14	first	first	ADJ
ijtc-909	22	15	appearance	appearance	NOUN
ijtc-909	22	16	of	of	ADP
ijtc-909	22	17	the	the	DET
ijtc-909	22	18	pandemic	pandemic	NOUN
ijtc-909	22	19	in	in	ADP
ijtc-909	22	20	some	some	DET
ijtc-909	22	21	countries	country	NOUN
ijtc-909	22	22	.	.	PUNCT
ijtc-909	23	1	bank	bank	NOUN
ijtc-909	23	2	credit	credit	NOUN
ijtc-909	23	3	growth	growth	NOUN
ijtc-909	23	4	slowed	slow	VERB
ijtc-909	23	5	during	during	ADP
ijtc-909	23	6	the	the	DET
ijtc-909	23	7	covid-19	covid-19	PROPN
ijtc-909	23	8	pandemic	pandemic	NOUN
ijtc-909	23	9	,	,	PUNCT
ijtc-909	23	10	in	in	ADP
ijtc-909	23	11	line	line	NOUN
ijtc-909	23	12	with	with	ADP
ijtc-909	23	13	the	the	DET
ijtc-909	23	14	national	national	ADJ
ijtc-909	23	15	economic	economic	ADJ
ijtc-909	23	16	contraction	contraction	NOUN
ijtc-909	23	17	in	in	ADP
ijtc-909	23	18	2020	2020	NUM
ijtc-909	23	19	with	with	ADP
ijtc-909	23	20	growth	growth	NOUN
ijtc-909	23	21	of	of	ADP
ijtc-909	23	22	2.41	2.41	NUM
ijtc-909	23	23	%	%	NOUN
ijtc-909	23	24	.	.	PUNCT
ijtc-909	24	1	meanwhile	meanwhile	ADV
ijtc-909	24	2	,	,	PUNCT
ijtc-909	24	3	in	in	ADP
ijtc-909	24	4	2022	2022	NUM
ijtc-909	24	5	banking	banking	NOUN
ijtc-909	24	6	credit	credit	NOUN
ijtc-909	24	7	will	will	AUX
ijtc-909	24	8	experience	experience	VERB
ijtc-909	24	9	recovery	recovery	NOUN
ijtc-909	24	10	from	from	ADP
ijtc-909	24	11	the	the	DET
ijtc-909	24	12	impact	impact	NOUN
ijtc-909	24	13	of	of	ADP
ijtc-909	24	14	the	the	DET
ijtc-909	24	15	pandemic	pandemic	NOUN
ijtc-909	24	16	,	,	PUNCT
ijtc-909	24	17	because	because	SCONJ
ijtc-909	24	18	growth	growth	NOUN
ijtc-909	24	19	has	have	AUX
ijtc-909	24	20	reached	reach	VERB
ijtc-909	24	21	pre	pre	ADJ
ijtc-909	24	22	-	-	ADJ
ijtc-909	24	23	pandemic	pandemic	ADJ
ijtc-909	24	24	levels	level	NOUN
ijtc-909	24	25	as	as	SCONJ
ijtc-909	24	26	can	can	AUX
ijtc-909	24	27	be	be	AUX
ijtc-909	24	28	seen	see	VERB
ijtc-909	24	29	in	in	ADP
ijtc-909	24	30	the	the	DET
ijtc-909	24	31	table	table	NOUN
ijtc-909	24	32	.	.	PUNCT
ijtc-909	25	1	however	however	ADV
ijtc-909	25	2	,	,	PUNCT
ijtc-909	25	3	the	the	DET
ijtc-909	25	4	value	value	NOUN
ijtc-909	25	5	of	of	ADP
ijtc-909	25	6	bank	bank	NOUN
ijtc-909	25	7	credit	credit	NOUN
ijtc-909	25	8	still	still	ADV
ijtc-909	25	9	shows	show	VERB
ijtc-909	25	10	a	a	DET
ijtc-909	25	11	growing	grow	VERB
ijtc-909	25	12	trend	trend	NOUN
ijtc-909	25	13	in	in	ADP
ijtc-909	25	14	the	the	DET
ijtc-909	25	15	last	last	ADJ
ijtc-909	25	16	two	two	NUM
ijtc-909	25	17	years	year	NOUN
ijtc-909	25	18	.	.	PUNCT
ijtc-909	26	1	this	this	PRON
ijtc-909	26	2	is	be	AUX
ijtc-909	26	3	reflected	reflect	VERB
ijtc-909	26	4	in	in	ADP
ijtc-909	26	5	the	the	DET
ijtc-909	26	6	banking	banking	NOUN
ijtc-909	26	7	credit	credit	NOUN
ijtc-909	26	8	growth	growth	NOUN
ijtc-909	26	9	ratio	ratio	NOUN
ijtc-909	26	10	which	which	PRON
ijtc-909	26	11	has	have	AUX
ijtc-909	26	12	increased	increase	VERB
ijtc-909	26	13	in	in	ADP
ijtc-909	26	14	2021	2021	NUM
ijtc-909	26	15	by	by	ADP
ijtc-909	26	16	5.3	5.3	NUM
ijtc-909	26	17	%	%	NOUN
ijtc-909	26	18	and	and	CCONJ
ijtc-909	26	19	in	in	ADP
ijtc-909	26	20	2022	2022	NUM
ijtc-909	26	21	by	by	ADP
ijtc-909	26	22	11.35	11.35	NUM
ijtc-909	26	23	%	%	NOUN
ijtc-909	26	24	.	.	PUNCT
ijtc-909	27	1	based	base	VERB
ijtc-909	27	2	on	on	ADP
ijtc-909	27	3	bi	bi	ADJ
ijtc-909	27	4	regulation	regulation	NOUN
ijtc-909	27	5	number	number	NOUN
ijtc-909	27	6	15	15	NUM
ijtc-909	27	7	/	/	SYM
ijtc-909	27	8	2	2	NUM
ijtc-909	27	9	/	/	SYM
ijtc-909	27	10	pbi	pbi	NOUN
ijtc-909	27	11	/	/	SYM
ijtc-909	27	12	2013	2013	NUM
ijtc-909	27	13	of	of	ADP
ijtc-909	27	14	2013	2013	NUM
ijtc-909	27	15	,	,	PUNCT
ijtc-909	27	16	it	it	PRON
ijtc-909	27	17	is	be	AUX
ijtc-909	27	18	stated	state	VERB
ijtc-909	27	19	that	that	SCONJ
ijtc-909	27	20	banks	bank	NOUN
ijtc-909	27	21	have	have	VERB
ijtc-909	27	22	the	the	DET
ijtc-909	27	23	potential	potential	NOUN
ijtc-909	27	24	to	to	PART
ijtc-909	27	25	experience	experience	VERB
ijtc-909	27	26	risk	risk	NOUN
ijtc-909	27	27	difficulties	difficulty	NOUN
ijtc-909	27	28	if	if	SCONJ
ijtc-909	27	29	the	the	DET
ijtc-909	27	30	npl	npl	NOUN
ijtc-909	27	31	is	be	AUX
ijtc-909	27	32	more	more	ADJ
ijtc-909	27	33	than	than	ADP
ijtc-909	27	34	5	5	NUM
ijtc-909	27	35	%	%	NOUN
ijtc-909	27	36	net	net	NOUN
ijtc-909	27	37	of	of	ADP
ijtc-909	27	38	the	the	DET
ijtc-909	27	39	total	total	ADJ
ijtc-909	27	40	credit	credit	NOUN
ijtc-909	27	41	disbursed	disburse	VERB
ijtc-909	27	42	.	.	PUNCT
ijtc-909	28	1	if	if	SCONJ
ijtc-909	28	2	the	the	DET
ijtc-909	28	3	npl	npl	NOUN
ijtc-909	28	4	value	value	NOUN
ijtc-909	28	5	ratio	ratio	NOUN
ijtc-909	28	6	is	be	AUX
ijtc-909	28	7	more	more	ADJ
ijtc-909	28	8	than	than	ADP
ijtc-909	28	9	the	the	DET
ijtc-909	28	10	set	set	NOUN
ijtc-909	28	11	limit	limit	NOUN
ijtc-909	28	12	of	of	ADP
ijtc-909	28	13	5	5	NUM
ijtc-909	28	14	%	%	NOUN
ijtc-909	28	15	,	,	PUNCT
ijtc-909	28	16	banking	banking	NOUN
ijtc-909	28	17	health	health	NOUN
ijtc-909	28	18	can	can	AUX
ijtc-909	28	19	be	be	AUX
ijtc-909	28	20	disrupted	disrupt	VERB
ijtc-909	28	21	and	and	CCONJ
ijtc-909	28	22	must	must	AUX
ijtc-909	28	23	receive	receive	VERB
ijtc-909	28	24	special	special	ADJ
ijtc-909	28	25	attention	attention	NOUN
ijtc-909	28	26	from	from	ADP
ijtc-909	28	27	the	the	DET
ijtc-909	28	28	government	government	NOUN
ijtc-909	28	29	(	(	PUNCT
ijtc-909	28	30	putri	putri	PROPN
ijtc-909	28	31	et	et	PROPN
ijtc-909	28	32	al	al	PROPN
ijtc-909	28	33	.	.	PROPN
ijtc-909	28	34	,	,	PUNCT
ijtc-909	28	35	2022	2022	NUM
ijtc-909	28	36	)	)	PUNCT
ijtc-909	28	37	.	.	PUNCT
ijtc-909	29	1	this	this	PRON
ijtc-909	29	2	also	also	ADV
ijtc-909	29	3	shows	show	VERB
ijtc-909	29	4	that	that	SCONJ
ijtc-909	29	5	banks	bank	NOUN
ijtc-909	29	6	can	can	AUX
ijtc-909	29	7	not	not	PART
ijtc-909	29	8	manage	manage	VERB
ijtc-909	29	9	their	their	PRON
ijtc-909	29	10	loans	loan	NOUN
ijtc-909	29	11	well	well	ADV
ijtc-909	29	12	.	.	PUNCT
ijtc-909	30	1	high	high	ADJ
ijtc-909	30	2	non	non	ADJ
ijtc-909	30	3	-	-	ADJ
ijtc-909	30	4	performing	perform	VERB
ijtc-909	30	5	loans	loan	NOUN
ijtc-909	30	6	will	will	AUX
ijtc-909	30	7	cause	cause	VERB
ijtc-909	30	8	banks	bank	NOUN
ijtc-909	30	9	to	to	PART
ijtc-909	30	10	strengthen	strengthen	VERB
ijtc-909	30	11	their	their	PRON
ijtc-909	30	12	capital	capital	NOUN
ijtc-909	30	13	structure	structure	NOUN
ijtc-909	30	14	(	(	PUNCT
ijtc-909	30	15	hamzah	hamzah	PROPN
ijtc-909	30	16	,	,	PUNCT
ijtc-909	30	17	2018	2018	NUM
ijtc-909	30	18	)	)	PUNCT
ijtc-909	30	19	.	.	PUNCT
ijtc-909	31	1	if	if	SCONJ
ijtc-909	31	2	customers	customer	NOUN
ijtc-909	31	3	do	do	AUX
ijtc-909	31	4	not	not	PART
ijtc-909	31	5	pay	pay	VERB
ijtc-909	31	6	their	their	PRON
ijtc-909	31	7	obligations	obligation	NOUN
ijtc-909	31	8	according	accord	VERB
ijtc-909	31	9	to	to	ADP
ijtc-909	31	10	the	the	DET
ijtc-909	31	11	specified	specify	VERB
ijtc-909	31	12	time	time	NOUN
ijtc-909	31	13	,	,	PUNCT
ijtc-909	31	14	it	it	PRON
ijtc-909	31	15	will	will	AUX
ijtc-909	31	16	increase	increase	VERB
ijtc-909	31	17	problem	problem	NOUN
ijtc-909	31	18	loans	loan	NOUN
ijtc-909	31	19	,	,	PUNCT
ijtc-909	31	20	so	so	SCONJ
ijtc-909	31	21	that	that	SCONJ
ijtc-909	31	22	the	the	DET
ijtc-909	31	23	impact	impact	NOUN
ijtc-909	31	24	of	of	ADP
ijtc-909	31	25	the	the	DET
ijtc-909	31	26	bank	bank	NOUN
ijtc-909	31	27	will	will	AUX
ijtc-909	31	28	suffer	suffer	VERB
ijtc-909	31	29	losses	loss	NOUN
ijtc-909	31	30	because	because	SCONJ
ijtc-909	31	31	it	it	PRON
ijtc-909	31	32	makes	make	VERB
ijtc-909	31	33	profits	profit	NOUN
ijtc-909	31	34	from	from	ADP
ijtc-909	31	35	credit	credit	NOUN
ijtc-909	31	36	interest	interest	NOUN
ijtc-909	31	37	on	on	ADP
ijtc-909	31	38	loan	loan	NOUN
ijtc-909	31	39	funds	fund	NOUN
ijtc-909	31	40	(	(	PUNCT
ijtc-909	31	41	rabbanin	rabbanin	VERB
ijtc-909	31	42	et	et	PROPN
ijtc-909	31	43	al	al	PROPN
ijtc-909	31	44	.	.	PROPN
ijtc-909	31	45	,	,	PUNCT
ijtc-909	31	46	2022	2022	NUM
ijtc-909	31	47	)	)	PUNCT
ijtc-909	31	48	.	.	PUNCT
ijtc-909	32	1	graph	graph	NOUN
ijtc-909	32	2	1	1	NUM
ijtc-909	32	3	development	development	NOUN
ijtc-909	32	4	of	of	ADP
ijtc-909	32	5	banking	banking	NOUN
ijtc-909	32	6	npls	npls	NOUN
ijtc-909	32	7	2018	2018	NUM
ijtc-909	32	8	–	–	PUNCT
ijtc-909	32	9	2022	2022	NUM
ijtc-909	32	10	source	source	NOUN
ijtc-909	32	11	:	:	PUNCT
ijtc-909	32	12	processed	process	VERB
ijtc-909	32	13	data	datum	NOUN
ijtc-909	32	14	,	,	PUNCT
ijtc-909	32	15	(	(	PUNCT
ijtc-909	32	16	2023	2023	NUM
ijtc-909	32	17	)	)	PUNCT
ijtc-909	32	18	.	.	PUNCT
ijtc-909	33	1	2018	2018	NUM
ijtc-909	33	2	2019	2019	NUM
ijtc-909	33	3	2020	2020	NUM
ijtc-909	33	4	2021	2021	NUM
ijtc-909	33	5	2022	2022	NUM
ijtc-909	33	6	npl	npl	PROPN
ijtc-909	33	7	2.33	2.33	NUM
ijtc-909	33	8	2.5	2.5	NUM
ijtc-909	33	9	3.06	3.06	NUM
ijtc-909	33	10	3.004	3.004	NUM
ijtc-909	33	11	2.438	2.438	NUM
ijtc-909	33	12	2.33	2.33	NUM
ijtc-909	33	13	2.5	2.5	NUM
ijtc-909	33	14	3.06	3.06	NUM
ijtc-909	33	15	3.004	3.004	NUM
ijtc-909	33	16	2.438	2.438	NUM
ijtc-909	33	17	0	0	NUM
ijtc-909	33	18	0.5	0.5	NUM
ijtc-909	33	19	1	1	NUM
ijtc-909	33	20	1.5	1.5	NUM
ijtc-909	33	21	2	2	NUM
ijtc-909	33	22	2.5	2.5	NUM
ijtc-909	33	23	3	3	NUM
ijtc-909	33	24	3.5	3.5	NUM
ijtc-909	33	25	p	p	NOUN
ijtc-909	33	26	er	er	INTJ
ijtc-909	33	27	ce	ce	PROPN
ijtc-909	33	28	n	n	NUM
ijtc-909	33	29	year	year	NOUN
ijtc-909	33	30	npl	npl	PROPN
ijtc-909	33	31	npl	npl	PROPN
ijtc-909	33	32	linear	linear	PROPN
ijtc-909	33	33	(	(	PUNCT
ijtc-909	33	34	npl	npl	NOUN
ijtc-909	33	35	)	)	PUNCT
ijtc-909	33	36	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-909	33	37	the	the	DET
ijtc-909	33	38	influence	influence	NOUN
ijtc-909	33	39	of	of	ADP
ijtc-909	33	40	operational	operational	ADJ
ijtc-909	33	41	costs	cost	NOUN
ijtc-909	33	42	on	on	ADP
ijtc-909	33	43	operating	operate	VERB
ijtc-909	33	44	income	income	NOUN
ijtc-909	33	45	and	and	CCONJ
ijtc-909	33	46	interest	interest	NOUN
ijtc-909	33	47	rates	rate	NOUN
ijtc-909	33	48	on	on	ADP
ijtc-909	33	49	nonperforming	nonperforme	VERB
ijtc-909	33	50	loans	loan	NOUN
ijtc-909	33	51	in	in	ADP
ijtc-909	33	52	banking	banking	NOUN
ijtc-909	33	53	companies	company	NOUN
ijtc-909	33	54	listed	list	VERB
ijtc-909	33	55	on	on	ADP
ijtc-909	33	56	the	the	DET
ijtc-909	33	57	indonesian	indonesian	ADJ
ijtc-909	33	58	stock	stock	PROPN
ijtc-909	33	59	exchange	exchange	PROPN
ijtc-909	33	60	safitri	safitri	PROPN
ijtc-909	33	61	,	,	PUNCT
ijtc-909	33	62	sulastri	sulastri	ADJ
ijtc-909	33	63	,	,	PUNCT
ijtc-909	33	64	and	and	CCONJ
ijtc-909	33	65	andriana	andriana	NOUN
ijtc-909	34	1	773	773	NUM
ijtc-909	35	1	|	|	ADV
ijtc-909	35	2	ilomata	ilomata	PROPN
ijtc-909	35	3	international	international	ADJ
ijtc-909	35	4	journal	journal	NOUN
ijtc-909	35	5	of	of	ADP
ijtc-909	35	6	tax	tax	PROPN
ijtc-909	35	7	&	&	CCONJ
ijtc-909	35	8	accounting	accounting	PROPN
ijtc-909	35	9	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-909	35	10	there	there	PRON
ijtc-909	35	11	are	be	VERB
ijtc-909	35	12	3	3	NUM
ijtc-909	35	13	(	(	PUNCT
ijtc-909	35	14	three	three	NUM
ijtc-909	35	15	)	)	PUNCT
ijtc-909	35	16	general	general	ADJ
ijtc-909	35	17	factors	factor	NOUN
ijtc-909	35	18	that	that	PRON
ijtc-909	35	19	cause	cause	VERB
ijtc-909	35	20	non	non	ADJ
ijtc-909	35	21	-	-	ADJ
ijtc-909	35	22	performing	performing	ADJ
ijtc-909	35	23	loans	loan	NOUN
ijtc-909	35	24	,	,	PUNCT
ijtc-909	35	25	namely	namely	ADV
ijtc-909	35	26	internal	internal	ADJ
ijtc-909	35	27	factors	factor	NOUN
ijtc-909	35	28	of	of	ADP
ijtc-909	35	29	the	the	DET
ijtc-909	35	30	debtor	debtor	NOUN
ijtc-909	35	31	,	,	PUNCT
ijtc-909	35	32	internal	internal	ADJ
ijtc-909	35	33	factors	factor	NOUN
ijtc-909	35	34	of	of	ADP
ijtc-909	35	35	the	the	DET
ijtc-909	35	36	bank	bank	NOUN
ijtc-909	35	37	,	,	PUNCT
ijtc-909	35	38	and	and	CCONJ
ijtc-909	35	39	external	external	ADJ
ijtc-909	35	40	factors	factor	NOUN
ijtc-909	35	41	of	of	ADP
ijtc-909	35	42	non	non	NOUN
ijtc-909	35	43	-	-	NOUN
ijtc-909	35	44	banks	bank	NOUN
ijtc-909	35	45	and	and	CCONJ
ijtc-909	35	46	debtors	debtor	NOUN
ijtc-909	35	47	.	.	PUNCT
ijtc-909	36	1	the	the	DET
ijtc-909	36	2	debtor	debtor	NOUN
ijtc-909	36	3	's	's	PART
ijtc-909	36	4	internal	internal	ADJ
ijtc-909	36	5	factors	factor	NOUN
ijtc-909	36	6	include	include	VERB
ijtc-909	36	7	age	age	NOUN
ijtc-909	36	8	,	,	PUNCT
ijtc-909	36	9	the	the	DET
ijtc-909	36	10	debtor	debtor	NOUN
ijtc-909	36	11	's	's	PART
ijtc-909	36	12	character	character	NOUN
ijtc-909	36	13	,	,	PUNCT
ijtc-909	36	14	and	and	CCONJ
ijtc-909	36	15	the	the	DET
ijtc-909	36	16	decline	decline	NOUN
ijtc-909	36	17	of	of	ADP
ijtc-909	36	18	the	the	DET
ijtc-909	36	19	debtor	debtor	NOUN
ijtc-909	36	20	's	's	PART
ijtc-909	36	21	business	business	NOUN
ijtc-909	36	22	.	.	PUNCT
ijtc-909	37	1	internal	internal	ADJ
ijtc-909	37	2	bank	bank	NOUN
ijtc-909	37	3	factors	factor	NOUN
ijtc-909	37	4	can	can	AUX
ijtc-909	37	5	include	include	VERB
ijtc-909	37	6	operational	operational	ADJ
ijtc-909	37	7	costs	cost	NOUN
ijtc-909	37	8	to	to	ADP
ijtc-909	37	9	operating	operate	VERB
ijtc-909	37	10	income	income	NOUN
ijtc-909	37	11	(	(	PUNCT
ijtc-909	37	12	bopo	bopo	NOUN
ijtc-909	37	13	)	)	PUNCT
ijtc-909	37	14	,	,	PUNCT
ijtc-909	37	15	while	while	SCONJ
ijtc-909	37	16	external	external	ADJ
ijtc-909	37	17	factors	factor	NOUN
ijtc-909	37	18	for	for	ADP
ijtc-909	37	19	non	non	NOUN
ijtc-909	37	20	-	-	NOUN
ijtc-909	37	21	banks	bank	NOUN
ijtc-909	37	22	and	and	CCONJ
ijtc-909	37	23	debtors	debtor	NOUN
ijtc-909	37	24	are	be	AUX
ijtc-909	37	25	interest	interest	NOUN
ijtc-909	37	26	rates	rate	NOUN
ijtc-909	37	27	(	(	PUNCT
ijtc-909	37	28	barus	barus	NOUN
ijtc-909	37	29	&	&	CCONJ
ijtc-909	37	30	erick	erick	PROPN
ijtc-909	37	31	,	,	PUNCT
ijtc-909	37	32	2016	2016	NUM
ijtc-909	37	33	)	)	PUNCT
ijtc-909	37	34	.	.	PUNCT
ijtc-909	38	1	for	for	ADP
ijtc-909	38	2	this	this	DET
ijtc-909	38	3	research	research	NOUN
ijtc-909	38	4	,	,	PUNCT
ijtc-909	38	5	we	we	PRON
ijtc-909	38	6	analyze	analyze	VERB
ijtc-909	38	7	operational	operational	ADJ
ijtc-909	38	8	costs	cost	NOUN
ijtc-909	38	9	against	against	ADP
ijtc-909	38	10	operating	operating	NOUN
ijtc-909	38	11	income	income	NOUN
ijtc-909	38	12	(	(	PUNCT
ijtc-909	38	13	bopo	bopo	NOUN
ijtc-909	38	14	)	)	PUNCT
ijtc-909	38	15	and	and	CCONJ
ijtc-909	38	16	interest	interest	NOUN
ijtc-909	38	17	rates	rate	NOUN
ijtc-909	38	18	.	.	PUNCT
ijtc-909	39	1	banking	bank	VERB
ijtc-909	39	2	in	in	ADP
ijtc-909	39	3	carrying	carry	VERB
ijtc-909	39	4	out	out	ADP
ijtc-909	39	5	its	its	PRON
ijtc-909	39	6	activities	activity	NOUN
ijtc-909	39	7	has	have	VERB
ijtc-909	39	8	expenses	expense	NOUN
ijtc-909	39	9	for	for	ADP
ijtc-909	39	10	operational	operational	ADJ
ijtc-909	39	11	costs	cost	NOUN
ijtc-909	39	12	.	.	PUNCT
ijtc-909	40	1	the	the	DET
ijtc-909	40	2	level	level	NOUN
ijtc-909	40	3	of	of	ADP
ijtc-909	40	4	efficiency	efficiency	NOUN
ijtc-909	40	5	and	and	CCONJ
ijtc-909	40	6	ability	ability	NOUN
ijtc-909	40	7	of	of	ADP
ijtc-909	40	8	banks	bank	NOUN
ijtc-909	40	9	to	to	PART
ijtc-909	40	10	carry	carry	VERB
ijtc-909	40	11	out	out	ADP
ijtc-909	40	12	their	their	PRON
ijtc-909	40	13	operational	operational	ADJ
ijtc-909	40	14	activities	activity	NOUN
ijtc-909	40	15	is	be	AUX
ijtc-909	40	16	necessary	necessary	ADJ
ijtc-909	40	17	to	to	PART
ijtc-909	40	18	maintain	maintain	VERB
ijtc-909	40	19	bank	bank	NOUN
ijtc-909	40	20	health	health	NOUN
ijtc-909	40	21	.	.	PUNCT
ijtc-909	41	1	the	the	DET
ijtc-909	41	2	indicator	indicator	NOUN
ijtc-909	41	3	used	use	VERB
ijtc-909	41	4	by	by	ADP
ijtc-909	41	5	banks	bank	NOUN
ijtc-909	41	6	is	be	AUX
ijtc-909	41	7	operational	operational	ADJ
ijtc-909	41	8	costs	cost	NOUN
ijtc-909	41	9	to	to	ADP
ijtc-909	41	10	operating	operate	VERB
ijtc-909	41	11	income	income	NOUN
ijtc-909	41	12	(	(	PUNCT
ijtc-909	41	13	bopo	bopo	NOUN
ijtc-909	41	14	)	)	PUNCT
ijtc-909	41	15	.	.	PUNCT
ijtc-909	42	1	the	the	DET
ijtc-909	42	2	level	level	NOUN
ijtc-909	42	3	of	of	ADP
ijtc-909	42	4	bopo	bopo	NOUN
ijtc-909	42	5	will	will	AUX
ijtc-909	42	6	affect	affect	VERB
ijtc-909	42	7	the	the	DET
ijtc-909	42	8	risk	risk	NOUN
ijtc-909	42	9	of	of	ADP
ijtc-909	42	10	problematic	problematic	ADJ
ijtc-909	42	11	credit	credit	NOUN
ijtc-909	42	12	(	(	PUNCT
ijtc-909	42	13	soekapdjo	soekapdjo	NOUN
ijtc-909	42	14	et	et	PROPN
ijtc-909	42	15	al	al	PROPN
ijtc-909	42	16	.	.	PROPN
ijtc-909	42	17	,	,	PUNCT
ijtc-909	42	18	2020	2020	NUM
ijtc-909	42	19	)	)	PUNCT
ijtc-909	42	20	.	.	PUNCT
ijtc-909	43	1	the	the	DET
ijtc-909	43	2	bopo	bopo	PROPN
ijtc-909	43	3	ratio	ratio	NOUN
ijtc-909	43	4	is	be	AUX
ijtc-909	43	5	used	use	VERB
ijtc-909	43	6	to	to	PART
ijtc-909	43	7	measure	measure	VERB
ijtc-909	43	8	the	the	DET
ijtc-909	43	9	level	level	NOUN
ijtc-909	43	10	of	of	ADP
ijtc-909	43	11	efficiency	efficiency	NOUN
ijtc-909	43	12	and	and	CCONJ
ijtc-909	43	13	ability	ability	NOUN
ijtc-909	43	14	of	of	ADP
ijtc-909	43	15	a	a	DET
ijtc-909	43	16	bank	bank	NOUN
ijtc-909	43	17	to	to	PART
ijtc-909	43	18	carry	carry	VERB
ijtc-909	43	19	out	out	ADP
ijtc-909	43	20	its	its	PRON
ijtc-909	43	21	operational	operational	ADJ
ijtc-909	43	22	activities	activity	NOUN
ijtc-909	43	23	.	.	PUNCT
ijtc-909	44	1	the	the	PRON
ijtc-909	44	2	greater	great	ADJ
ijtc-909	44	3	these	these	DET
ijtc-909	44	4	costs	cost	NOUN
ijtc-909	44	5	can	can	AUX
ijtc-909	44	6	encourage	encourage	VERB
ijtc-909	44	7	banks	bank	NOUN
ijtc-909	44	8	to	to	PART
ijtc-909	44	9	increase	increase	VERB
ijtc-909	44	10	interest	interest	NOUN
ijtc-909	44	11	rates	rate	NOUN
ijtc-909	44	12	so	so	SCONJ
ijtc-909	44	13	that	that	SCONJ
ijtc-909	44	14	debtors	debtor	NOUN
ijtc-909	44	15	will	will	AUX
ijtc-909	44	16	have	have	VERB
ijtc-909	44	17	difficulty	difficulty	NOUN
ijtc-909	44	18	returning	return	VERB
ijtc-909	44	19	funds	fund	NOUN
ijtc-909	44	20	(	(	PUNCT
ijtc-909	44	21	rahmani	rahmani	PROPN
ijtc-909	44	22	,	,	PUNCT
ijtc-909	44	23	2022	2022	NUM
ijtc-909	44	24	;	;	PUNCT
ijtc-909	44	25	silbermayr	silbermayr	PROPN
ijtc-909	44	26	&	&	CCONJ
ijtc-909	44	27	minner	minner	PROPN
ijtc-909	44	28	,	,	PUNCT
ijtc-909	44	29	2016	2016	NUM
ijtc-909	44	30	)	)	PUNCT
ijtc-909	44	31	.	.	PUNCT
ijtc-909	45	1	meanwhile	meanwhile	ADV
ijtc-909	45	2	,	,	PUNCT
ijtc-909	45	3	interest	interest	NOUN
ijtc-909	45	4	rates	rate	NOUN
ijtc-909	45	5	have	have	VERB
ijtc-909	45	6	an	an	DET
ijtc-909	45	7	impact	impact	NOUN
ijtc-909	45	8	on	on	ADP
ijtc-909	45	9	npl	npl	NOUN
ijtc-909	45	10	movements	movement	NOUN
ijtc-909	45	11	.	.	PUNCT
ijtc-909	46	1	increasing	increase	VERB
ijtc-909	46	2	loan	loan	NOUN
ijtc-909	46	3	interest	interest	NOUN
ijtc-909	46	4	rates	rate	NOUN
ijtc-909	46	5	is	be	AUX
ijtc-909	46	6	very	very	ADV
ijtc-909	46	7	attractive	attractive	ADJ
ijtc-909	46	8	to	to	ADP
ijtc-909	46	9	banks	bank	NOUN
ijtc-909	46	10	,	,	PUNCT
ijtc-909	46	11	because	because	SCONJ
ijtc-909	46	12	the	the	DET
ijtc-909	46	13	income	income	NOUN
ijtc-909	46	14	received	receive	VERB
ijtc-909	46	15	is	be	AUX
ijtc-909	46	16	obtained	obtain	VERB
ijtc-909	46	17	from	from	ADP
ijtc-909	46	18	loans	loan	NOUN
ijtc-909	46	19	that	that	PRON
ijtc-909	46	20	have	have	VERB
ijtc-909	46	21	high	high	ADJ
ijtc-909	46	22	yields	yield	NOUN
ijtc-909	46	23	,	,	PUNCT
ijtc-909	46	24	but	but	CCONJ
ijtc-909	46	25	on	on	ADP
ijtc-909	46	26	the	the	DET
ijtc-909	46	27	other	other	ADJ
ijtc-909	46	28	hand	hand	NOUN
ijtc-909	46	29	,	,	PUNCT
ijtc-909	46	30	high	high	ADJ
ijtc-909	46	31	credit	credit	NOUN
ijtc-909	46	32	interest	interest	NOUN
ijtc-909	46	33	rates	rate	NOUN
ijtc-909	46	34	will	will	AUX
ijtc-909	46	35	pose	pose	VERB
ijtc-909	46	36	a	a	DET
ijtc-909	46	37	risk	risk	NOUN
ijtc-909	46	38	to	to	ADP
ijtc-909	46	39	banks	bank	NOUN
ijtc-909	46	40	because	because	SCONJ
ijtc-909	46	41	customers	customer	NOUN
ijtc-909	46	42	will	will	AUX
ijtc-909	46	43	experience	experience	VERB
ijtc-909	46	44	difficulty	difficulty	NOUN
ijtc-909	46	45	in	in	ADP
ijtc-909	46	46	paying	pay	VERB
ijtc-909	46	47	their	their	PRON
ijtc-909	46	48	obligations	obligation	NOUN
ijtc-909	46	49	,	,	PUNCT
ijtc-909	46	50	so	so	SCONJ
ijtc-909	46	51	the	the	DET
ijtc-909	46	52	risk	risk	NOUN
ijtc-909	46	53	of	of	ADP
ijtc-909	46	54	bad	bad	ADJ
ijtc-909	46	55	credit	credit	NOUN
ijtc-909	46	56	is	be	AUX
ijtc-909	46	57	high	high	ADJ
ijtc-909	46	58	.	.	PUNCT
ijtc-909	47	1	the	the	DET
ijtc-909	47	2	interest	interest	NOUN
ijtc-909	47	3	rate	rate	NOUN
ijtc-909	47	4	in	in	ADP
ijtc-909	47	5	this	this	DET
ijtc-909	47	6	context	context	NOUN
ijtc-909	47	7	is	be	AUX
ijtc-909	47	8	the	the	DET
ijtc-909	47	9	loan	loan	NOUN
ijtc-909	47	10	interest	interest	NOUN
ijtc-909	47	11	rate	rate	NOUN
ijtc-909	47	12	based	base	VERB
ijtc-909	47	13	on	on	ADP
ijtc-909	47	14	conventional	conventional	ADJ
ijtc-909	47	15	banks	bank	NOUN
ijtc-909	47	16	.	.	PUNCT
ijtc-909	48	1	(	(	PUNCT
ijtc-909	48	2	clichici	clichici	PROPN
ijtc-909	48	3	&	&	CCONJ
ijtc-909	48	4	colesnicova	colesnicova	PROPN
ijtc-909	48	5	,	,	PUNCT
ijtc-909	48	6	2014	2014	NUM
ijtc-909	48	7	)	)	PUNCT
ijtc-909	48	8	apart	apart	ADV
ijtc-909	48	9	from	from	ADP
ijtc-909	48	10	that	that	PRON
ijtc-909	48	11	,	,	PUNCT
ijtc-909	48	12	research	research	NOUN
ijtc-909	48	13	conducted	conduct	VERB
ijtc-909	48	14	by	by	ADP
ijtc-909	48	15	(	(	PUNCT
ijtc-909	48	16	wardani	wardani	PROPN
ijtc-909	48	17	et	et	PROPN
ijtc-909	48	18	al	al	PROPN
ijtc-909	48	19	.	.	PROPN
ijtc-909	48	20	,	,	PUNCT
ijtc-909	48	21	2021a	2021a	NUM
ijtc-909	48	22	)	)	PUNCT
ijtc-909	48	23	and	and	CCONJ
ijtc-909	48	24	(	(	PUNCT
ijtc-909	48	25	bengawan	bengawan	PROPN
ijtc-909	48	26	&	&	CCONJ
ijtc-909	48	27	ruslim	ruslim	PROPN
ijtc-909	48	28	,	,	PUNCT
ijtc-909	48	29	2020	2020	NUM
ijtc-909	48	30	)	)	PUNCT
ijtc-909	48	31	obtained	obtain	VERB
ijtc-909	48	32	results	result	NOUN
ijtc-909	48	33	that	that	PRON
ijtc-909	48	34	bopo	bopo	NOUN
ijtc-909	48	35	had	have	AUX
ijtc-909	48	36	a	a	DET
ijtc-909	48	37	significant	significant	ADJ
ijtc-909	48	38	positive	positive	ADJ
ijtc-909	48	39	influence	influence	NOUN
ijtc-909	48	40	on	on	ADP
ijtc-909	48	41	npl	npl	PROPN
ijtc-909	48	42	.	.	PUNCT
ijtc-909	49	1	in	in	ADP
ijtc-909	49	2	contrast	contrast	NOUN
ijtc-909	49	3	,	,	PUNCT
ijtc-909	49	4	research	research	NOUN
ijtc-909	49	5	from	from	ADP
ijtc-909	49	6	(	(	PUNCT
ijtc-909	49	7	khan	khan	PROPN
ijtc-909	49	8	et	et	PROPN
ijtc-909	49	9	al	al	PROPN
ijtc-909	49	10	.	.	PROPN
ijtc-909	49	11	,	,	PUNCT
ijtc-909	49	12	2020	2020	NUM
ijtc-909	49	13	)	)	PUNCT
ijtc-909	49	14	states	state	VERB
ijtc-909	49	15	that	that	SCONJ
ijtc-909	49	16	it	it	PRON
ijtc-909	49	17	has	have	VERB
ijtc-909	49	18	a	a	DET
ijtc-909	49	19	significant	significant	ADJ
ijtc-909	49	20	negative	negative	ADJ
ijtc-909	49	21	effect	effect	NOUN
ijtc-909	49	22	on	on	ADP
ijtc-909	49	23	npl	npl	PROPN
ijtc-909	49	24	.	.	PUNCT
ijtc-909	50	1	(	(	PUNCT
ijtc-909	50	2	cahyono	cahyono	VERB
ijtc-909	50	3	et	et	PROPN
ijtc-909	50	4	al	al	PROPN
ijtc-909	50	5	.	.	PROPN
ijtc-909	50	6	,	,	PUNCT
ijtc-909	50	7	2022	2022	NUM
ijtc-909	50	8	)	)	PUNCT
ijtc-909	50	9	research	research	NOUN
ijtc-909	50	10	shows	show	VERB
ijtc-909	50	11	that	that	SCONJ
ijtc-909	50	12	bopo	bopo	NOUN
ijtc-909	50	13	affects	affect	VERB
ijtc-909	50	14	npl	npl	PROPN
ijtc-909	50	15	.	.	PUNCT
ijtc-909	51	1	meanwhile	meanwhile	ADV
ijtc-909	51	2	,	,	PUNCT
ijtc-909	51	3	research	research	NOUN
ijtc-909	51	4	by	by	ADP
ijtc-909	51	5	(	(	PUNCT
ijtc-909	51	6	wulandari	wulandari	X
ijtc-909	51	7	et	et	PROPN
ijtc-909	51	8	al	al	PROPN
ijtc-909	51	9	.	.	PROPN
ijtc-909	51	10	,	,	PUNCT
ijtc-909	51	11	2021	2021	NUM
ijtc-909	51	12	)	)	PUNCT
ijtc-909	51	13	and	and	CCONJ
ijtc-909	51	14	(	(	PUNCT
ijtc-909	51	15	akbar	akbar	PROPN
ijtc-909	51	16	&	&	CCONJ
ijtc-909	51	17	a.	a.	NOUN
ijtc-909	51	18	,	,	PUNCT
ijtc-909	51	19	2022	2022	NUM
ijtc-909	51	20	)	)	PUNCT
ijtc-909	51	21	shows	show	VERB
ijtc-909	51	22	that	that	SCONJ
ijtc-909	51	23	bopo	bopo	NOUN
ijtc-909	51	24	does	do	AUX
ijtc-909	51	25	not	not	PART
ijtc-909	51	26	affect	affect	VERB
ijtc-909	51	27	npl	npl	PROPN
ijtc-909	51	28	.	.	PUNCT
ijtc-909	52	1	research	research	NOUN
ijtc-909	52	2	conducted	conduct	VERB
ijtc-909	52	3	by	by	ADP
ijtc-909	52	4	(	(	PUNCT
ijtc-909	52	5	dewanto	dewanto	NOUN
ijtc-909	52	6	,	,	PUNCT
ijtc-909	52	7	2022	2022	NUM
ijtc-909	52	8	)	)	PUNCT
ijtc-909	52	9	,	,	PUNCT
ijtc-909	52	10	shows	show	VERB
ijtc-909	52	11	that	that	SCONJ
ijtc-909	52	12	international	international	ADJ
ijtc-909	52	13	interest	interest	NOUN
ijtc-909	52	14	rates	rate	NOUN
ijtc-909	52	15	have	have	VERB
ijtc-909	52	16	a	a	DET
ijtc-909	52	17	positive	positive	ADJ
ijtc-909	52	18	effect	effect	NOUN
ijtc-909	52	19	on	on	ADP
ijtc-909	52	20	npl	npl	PROPN
ijtc-909	52	21	.	.	PUNCT
ijtc-909	53	1	research	research	NOUN
ijtc-909	53	2	conducted	conduct	VERB
ijtc-909	53	3	by	by	ADP
ijtc-909	53	4	(	(	PUNCT
ijtc-909	53	5	naibaho	naibaho	NOUN
ijtc-909	53	6	,	,	PUNCT
ijtc-909	53	7	2018	2018	NUM
ijtc-909	53	8	)	)	PUNCT
ijtc-909	53	9	shows	show	VERB
ijtc-909	53	10	that	that	SCONJ
ijtc-909	53	11	interest	interest	NOUN
ijtc-909	53	12	rates	rate	NOUN
ijtc-909	53	13	influence	influence	VERB
ijtc-909	53	14	npls	npls	NOUN
ijtc-909	53	15	,	,	PUNCT
ijtc-909	53	16	while	while	SCONJ
ijtc-909	53	17	(	(	PUNCT
ijtc-909	53	18	laskarsari	laskarsari	PROPN
ijtc-909	53	19	,	,	PUNCT
ijtc-909	53	20	2021	2021	NUM
ijtc-909	53	21	)	)	PUNCT
ijtc-909	53	22	in	in	ADP
ijtc-909	53	23	his	his	PRON
ijtc-909	53	24	research	research	NOUN
ijtc-909	53	25	has	have	VERB
ijtc-909	53	26	the	the	DET
ijtc-909	53	27	results	result	NOUN
ijtc-909	53	28	that	that	SCONJ
ijtc-909	53	29	interest	interest	NOUN
ijtc-909	53	30	rates	rate	NOUN
ijtc-909	53	31	do	do	AUX
ijtc-909	53	32	not	not	PART
ijtc-909	53	33	influence	influence	VERB
ijtc-909	53	34	nonperforming	nonperforme	VERB
ijtc-909	53	35	loans	loan	NOUN
ijtc-909	53	36	(	(	PUNCT
ijtc-909	53	37	npls	npls	NOUN
ijtc-909	53	38	)	)	PUNCT
ijtc-909	53	39	.	.	PUNCT
ijtc-909	54	1	signaling	signal	VERB
ijtc-909	54	2	theory	theory	NOUN
ijtc-909	54	3	according	accord	VERB
ijtc-909	54	4	to	to	ADP
ijtc-909	54	5	(	(	PUNCT
ijtc-909	54	6	brigham	brigham	PROPN
ijtc-909	54	7	&	&	CCONJ
ijtc-909	54	8	houston	houston	PROPN
ijtc-909	54	9	,	,	PUNCT
ijtc-909	54	10	2018	2018	NUM
ijtc-909	54	11	)	)	PUNCT
ijtc-909	54	12	,	,	PUNCT
ijtc-909	54	13	signals	signal	NOUN
ijtc-909	54	14	are	be	AUX
ijtc-909	54	15	actions	action	NOUN
ijtc-909	54	16	taken	take	VERB
ijtc-909	54	17	by	by	ADP
ijtc-909	54	18	company	company	NOUN
ijtc-909	54	19	management	management	NOUN
ijtc-909	54	20	to	to	PART
ijtc-909	54	21	provide	provide	VERB
ijtc-909	54	22	clues	clue	NOUN
ijtc-909	54	23	or	or	CCONJ
ijtc-909	54	24	signals	signal	NOUN
ijtc-909	54	25	to	to	ADP
ijtc-909	54	26	investors	investor	NOUN
ijtc-909	54	27	about	about	ADP
ijtc-909	54	28	how	how	SCONJ
ijtc-909	54	29	management	management	NOUN
ijtc-909	54	30	views	view	VERB
ijtc-909	54	31	the	the	DET
ijtc-909	54	32	company	company	NOUN
ijtc-909	54	33	's	's	PART
ijtc-909	54	34	prospects	prospect	NOUN
ijtc-909	54	35	.	.	PUNCT
ijtc-909	55	1	signal	signal	ADJ
ijtc-909	55	2	theory	theory	NOUN
ijtc-909	55	3	in	in	ADP
ijtc-909	55	4	this	this	DET
ijtc-909	55	5	case	case	NOUN
ijtc-909	55	6	explains	explain	VERB
ijtc-909	55	7	how	how	SCONJ
ijtc-909	55	8	banks	bank	NOUN
ijtc-909	55	9	should	should	AUX
ijtc-909	55	10	provide	provide	VERB
ijtc-909	55	11	signals	signal	NOUN
ijtc-909	55	12	to	to	ADP
ijtc-909	55	13	financial	financial	ADJ
ijtc-909	55	14	institution	institution	NOUN
ijtc-909	55	15	users	user	NOUN
ijtc-909	55	16	.	.	PUNCT
ijtc-909	56	1	a	a	DET
ijtc-909	56	2	good	good	ADJ
ijtc-909	56	3	signal	signal	NOUN
ijtc-909	56	4	is	be	AUX
ijtc-909	56	5	a	a	DET
ijtc-909	56	6	signal	signal	NOUN
ijtc-909	56	7	that	that	PRON
ijtc-909	56	8	can	can	AUX
ijtc-909	56	9	be	be	AUX
ijtc-909	56	10	taken	take	VERB
ijtc-909	56	11	and	and	CCONJ
ijtc-909	56	12	perceived	perceive	VERB
ijtc-909	56	13	by	by	ADP
ijtc-909	56	14	the	the	DET
ijtc-909	56	15	market	market	NOUN
ijtc-909	56	16	well	well	ADV
ijtc-909	56	17	and	and	CCONJ
ijtc-909	56	18	is	be	AUX
ijtc-909	56	19	also	also	ADV
ijtc-909	56	20	not	not	PART
ijtc-909	56	21	easily	easily	ADV
ijtc-909	56	22	imitated	imitate	VERB
ijtc-909	56	23	by	by	ADP
ijtc-909	56	24	other	other	ADJ
ijtc-909	56	25	companies	company	NOUN
ijtc-909	56	26	that	that	PRON
ijtc-909	56	27	have	have	VERB
ijtc-909	56	28	poor	poor	ADJ
ijtc-909	56	29	quality	quality	NOUN
ijtc-909	56	30	.	.	PUNCT
ijtc-909	57	1	thus	thus	ADV
ijtc-909	57	2	,	,	PUNCT
ijtc-909	57	3	a	a	DET
ijtc-909	57	4	bank	bank	NOUN
ijtc-909	57	5	must	must	AUX
ijtc-909	57	6	also	also	ADV
ijtc-909	57	7	provide	provide	VERB
ijtc-909	57	8	a	a	DET
ijtc-909	57	9	positive	positive	ADJ
ijtc-909	57	10	signal	signal	NOUN
ijtc-909	57	11	to	to	ADP
ijtc-909	57	12	its	its	PRON
ijtc-909	57	13	customers	customer	NOUN
ijtc-909	57	14	and	and	CCONJ
ijtc-909	57	15	the	the	DET
ijtc-909	57	16	public	public	NOUN
ijtc-909	57	17	so	so	SCONJ
ijtc-909	57	18	that	that	SCONJ
ijtc-909	57	19	the	the	DET
ijtc-909	57	20	public	public	NOUN
ijtc-909	57	21	has	have	VERB
ijtc-909	57	22	confidence	confidence	NOUN
ijtc-909	57	23	in	in	ADP
ijtc-909	57	24	the	the	DET
ijtc-909	57	25	bank	bank	NOUN
ijtc-909	57	26	regarding	regard	VERB
ijtc-909	57	27	the	the	DET
ijtc-909	57	28	funds	fund	NOUN
ijtc-909	57	29	stored	store	VERB
ijtc-909	57	30	in	in	ADP
ijtc-909	57	31	the	the	DET
ijtc-909	57	32	bank	bank	NOUN
ijtc-909	57	33	(	(	PUNCT
ijtc-909	57	34	mattunruang	mattunruang	PROPN
ijtc-909	57	35	&	&	CCONJ
ijtc-909	57	36	a.	a.	PROPN
ijtc-909	57	37	,	,	PUNCT
ijtc-909	57	38	2023	2023	NUM
ijtc-909	57	39	)	)	PUNCT
ijtc-909	57	40	.	.	PUNCT
ijtc-909	58	1	non	non	ADJ
ijtc-909	58	2	-	-	ADJ
ijtc-909	58	3	performing	performing	ADJ
ijtc-909	58	4	loans	loan	NOUN
ijtc-909	58	5	(	(	PUNCT
ijtc-909	58	6	npl	npl	NOUN
ijtc-909	58	7	)	)	PUNCT
ijtc-909	58	8	.	.	PUNCT
ijtc-909	59	1	performing	perform	VERB
ijtc-909	59	2	loans	loan	NOUN
ijtc-909	59	3	is	be	AUX
ijtc-909	59	4	the	the	DET
ijtc-909	59	5	ratio	ratio	NOUN
ijtc-909	59	6	between	between	ADP
ijtc-909	59	7	the	the	DET
ijtc-909	59	8	amount	amount	NOUN
ijtc-909	59	9	of	of	ADP
ijtc-909	59	10	credit	credit	NOUN
ijtc-909	59	11	given	give	VERB
ijtc-909	59	12	and	and	CCONJ
ijtc-909	59	13	the	the	DET
ijtc-909	59	14	level	level	NOUN
ijtc-909	59	15	of	of	ADP
ijtc-909	59	16	collectability	collectability	NOUN
ijtc-909	59	17	(	(	PUNCT
ijtc-909	59	18	problem	problem	NOUN
ijtc-909	59	19	loans	loan	NOUN
ijtc-909	59	20	)	)	PUNCT
ijtc-909	59	21	compared	compare	VERB
ijtc-909	59	22	to	to	ADP
ijtc-909	59	23	the	the	DET
ijtc-909	59	24	total	total	ADJ
ijtc-909	59	25	credit	credit	NOUN
ijtc-909	59	26	given	give	VERB
ijtc-909	59	27	by	by	ADP
ijtc-909	59	28	the	the	DET
ijtc-909	59	29	bank	bank	NOUN
ijtc-909	59	30	.	.	PUNCT
ijtc-909	60	1	credit	credit	NOUN
ijtc-909	60	2	risk	risk	NOUN
ijtc-909	60	3	is	be	AUX
ijtc-909	60	4	caused	cause	VERB
ijtc-909	60	5	by	by	ADP
ijtc-909	60	6	debtors	debtor	NOUN
ijtc-909	60	7	not	not	PART
ijtc-909	60	8	being	be	AUX
ijtc-909	60	9	able	able	ADJ
ijtc-909	60	10	to	to	PART
ijtc-909	60	11	repay	repay	VERB
ijtc-909	60	12	loans	loan	NOUN
ijtc-909	60	13	on	on	ADP
ijtc-909	60	14	time	time	NOUN
ijtc-909	60	15	(	(	PUNCT
ijtc-909	60	16	akbar	akbar	NOUN
ijtc-909	60	17	&	&	CCONJ
ijtc-909	60	18	a.	a.	NOUN
ijtc-909	60	19	,	,	PUNCT
ijtc-909	60	20	2022).the	2022).the	DET
ijtc-909	60	21	npl	npl	NOUN
ijtc-909	60	22	ratio	ratio	NOUN
ijtc-909	60	23	is	be	AUX
ijtc-909	60	24	used	use	VERB
ijtc-909	60	25	to	to	PART
ijtc-909	60	26	measure	measure	VERB
ijtc-909	60	27	how	how	SCONJ
ijtc-909	60	28	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-909	60	29	the	the	DET
ijtc-909	60	30	influence	influence	NOUN
ijtc-909	60	31	of	of	ADP
ijtc-909	60	32	operational	operational	ADJ
ijtc-909	60	33	costs	cost	NOUN
ijtc-909	60	34	on	on	ADP
ijtc-909	60	35	operating	operate	VERB
ijtc-909	60	36	income	income	NOUN
ijtc-909	60	37	and	and	CCONJ
ijtc-909	60	38	interest	interest	NOUN
ijtc-909	60	39	rates	rate	NOUN
ijtc-909	60	40	on	on	ADP
ijtc-909	60	41	nonperforming	nonperforme	VERB
ijtc-909	60	42	loans	loan	NOUN
ijtc-909	60	43	in	in	ADP
ijtc-909	60	44	banking	banking	NOUN
ijtc-909	60	45	companies	company	NOUN
ijtc-909	60	46	listed	list	VERB
ijtc-909	60	47	on	on	ADP
ijtc-909	60	48	the	the	DET
ijtc-909	60	49	indonesian	indonesian	ADJ
ijtc-909	60	50	stock	stock	PROPN
ijtc-909	60	51	exchange	exchange	PROPN
ijtc-909	60	52	safitri	safitri	PROPN
ijtc-909	60	53	,	,	PUNCT
ijtc-909	60	54	sulastri	sulastri	ADJ
ijtc-909	60	55	,	,	PUNCT
ijtc-909	60	56	and	and	CCONJ
ijtc-909	60	57	andriana	andriana	NOUN
ijtc-909	60	58	774	774	NUM
ijtc-909	60	59	|	|	ADV
ijtc-909	60	60	ilomata	ilomata	PROPN
ijtc-909	60	61	international	international	ADJ
ijtc-909	60	62	journal	journal	NOUN
ijtc-909	60	63	of	of	ADP
ijtc-909	60	64	tax	tax	PROPN
ijtc-909	60	65	&	&	CCONJ
ijtc-909	60	66	accounting	account	VERB
ijtc-909	60	67	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-909	60	68	much	much	ADJ
ijtc-909	60	69	credit	credit	NOUN
ijtc-909	60	70	risk	risk	NOUN
ijtc-909	60	71	occurs	occur	VERB
ijtc-909	60	72	in	in	ADP
ijtc-909	60	73	banking	banking	NOUN
ijtc-909	60	74	.	.	PUNCT
ijtc-909	61	1	the	the	PRON
ijtc-909	61	2	higher	high	ADJ
ijtc-909	61	3	the	the	DET
ijtc-909	61	4	npl	npl	NOUN
ijtc-909	61	5	ratio	ratio	NOUN
ijtc-909	61	6	,	,	PUNCT
ijtc-909	61	7	the	the	PRON
ijtc-909	61	8	higher	high	ADJ
ijtc-909	61	9	the	the	DET
ijtc-909	61	10	risk	risk	NOUN
ijtc-909	61	11	experienced	experience	VERB
ijtc-909	61	12	by	by	ADP
ijtc-909	61	13	the	the	DET
ijtc-909	61	14	bank	bank	NOUN
ijtc-909	61	15	,	,	PUNCT
ijtc-909	61	16	and	and	CCONJ
ijtc-909	61	17	conversely	conversely	ADV
ijtc-909	61	18	,	,	PUNCT
ijtc-909	61	19	the	the	PRON
ijtc-909	61	20	lower	low	ADJ
ijtc-909	61	21	the	the	DET
ijtc-909	61	22	npl	npl	NOUN
ijtc-909	61	23	level	level	NOUN
ijtc-909	61	24	,	,	PUNCT
ijtc-909	61	25	the	the	PRON
ijtc-909	61	26	better	well	ADJ
ijtc-909	61	27	the	the	DET
ijtc-909	61	28	condition	condition	NOUN
ijtc-909	61	29	of	of	ADP
ijtc-909	61	30	the	the	DET
ijtc-909	61	31	bank	bank	NOUN
ijtc-909	61	32	(	(	PUNCT
ijtc-909	61	33	ozili	ozili	NOUN
ijtc-909	61	34	,	,	PUNCT
ijtc-909	61	35	2019	2019	NUM
ijtc-909	61	36	)	)	PUNCT
ijtc-909	61	37	.	.	PUNCT
ijtc-909	62	1	operational	operational	ADJ
ijtc-909	62	2	costs	cost	NOUN
ijtc-909	62	3	to	to	ADP
ijtc-909	62	4	operating	operate	VERB
ijtc-909	62	5	income	income	NOUN
ijtc-909	62	6	(	(	PUNCT
ijtc-909	62	7	bopo	bopo	NOUN
ijtc-909	62	8	)	)	PUNCT
ijtc-909	62	9	operating	operating	NOUN
ijtc-909	62	10	costs	cost	NOUN
ijtc-909	62	11	to	to	ADP
ijtc-909	62	12	operating	operate	VERB
ijtc-909	62	13	income	income	NOUN
ijtc-909	62	14	is	be	AUX
ijtc-909	62	15	a	a	DET
ijtc-909	62	16	ratio	ratio	NOUN
ijtc-909	62	17	that	that	PRON
ijtc-909	62	18	measures	measure	VERB
ijtc-909	62	19	operational	operational	ADJ
ijtc-909	62	20	costs	cost	NOUN
ijtc-909	62	21	to	to	ADP
ijtc-909	62	22	operational	operational	ADJ
ijtc-909	62	23	income	income	NOUN
ijtc-909	62	24	.	.	PUNCT
ijtc-909	63	1	operational	operational	ADJ
ijtc-909	63	2	costs	cost	NOUN
ijtc-909	63	3	themselves	themselves	PRON
ijtc-909	63	4	are	be	AUX
ijtc-909	63	5	costs	cost	NOUN
ijtc-909	63	6	used	use	VERB
ijtc-909	63	7	by	by	ADP
ijtc-909	63	8	banks	bank	NOUN
ijtc-909	63	9	in	in	ADP
ijtc-909	63	10	carrying	carry	VERB
ijtc-909	63	11	out	out	ADP
ijtc-909	63	12	their	their	PRON
ijtc-909	63	13	main	main	ADJ
ijtc-909	63	14	business	business	NOUN
ijtc-909	63	15	activities	activity	NOUN
ijtc-909	63	16	,	,	PUNCT
ijtc-909	63	17	namely	namely	ADV
ijtc-909	63	18	labor	labor	NOUN
ijtc-909	63	19	costs	cost	NOUN
ijtc-909	63	20	,	,	PUNCT
ijtc-909	63	21	marketing	marketing	NOUN
ijtc-909	63	22	costs	cost	NOUN
ijtc-909	63	23	,	,	PUNCT
ijtc-909	63	24	interest	interest	NOUN
ijtc-909	63	25	,	,	PUNCT
ijtc-909	63	26	and	and	CCONJ
ijtc-909	63	27	other	other	ADJ
ijtc-909	63	28	costs	cost	NOUN
ijtc-909	63	29	that	that	PRON
ijtc-909	63	30	can	can	AUX
ijtc-909	63	31	not	not	PART
ijtc-909	63	32	be	be	AUX
ijtc-909	63	33	separated	separate	VERB
ijtc-909	63	34	from	from	ADP
ijtc-909	63	35	capital	capital	NOUN
ijtc-909	63	36	costs	cost	NOUN
ijtc-909	63	37	which	which	PRON
ijtc-909	63	38	are	be	AUX
ijtc-909	63	39	obligations	obligation	NOUN
ijtc-909	63	40	that	that	PRON
ijtc-909	63	41	must	must	AUX
ijtc-909	63	42	be	be	AUX
ijtc-909	63	43	paid	pay	VERB
ijtc-909	63	44	by	by	ADP
ijtc-909	63	45	the	the	DET
ijtc-909	63	46	bank	bank	NOUN
ijtc-909	63	47	.	.	PUNCT
ijtc-909	64	1	the	the	PRON
ijtc-909	64	2	higher	high	ADJ
ijtc-909	64	3	the	the	DET
ijtc-909	64	4	deposit	deposit	NOUN
ijtc-909	64	5	interest	interest	NOUN
ijtc-909	64	6	rate	rate	NOUN
ijtc-909	64	7	,	,	PUNCT
ijtc-909	64	8	the	the	PRON
ijtc-909	64	9	higher	high	ADJ
ijtc-909	64	10	the	the	DET
ijtc-909	64	11	cost	cost	NOUN
ijtc-909	64	12	of	of	ADP
ijtc-909	64	13	capital	capital	NOUN
ijtc-909	64	14	,	,	PUNCT
ijtc-909	64	15	and	and	CCONJ
ijtc-909	64	16	vice	vice	ADV
ijtc-909	64	17	versa	versa	ADV
ijtc-909	64	18	.	.	PUNCT
ijtc-909	65	1	this	this	PRON
ijtc-909	65	2	has	have	VERB
ijtc-909	65	3	an	an	DET
ijtc-909	65	4	impact	impact	NOUN
ijtc-909	65	5	on	on	ADP
ijtc-909	65	6	bank	bank	NOUN
ijtc-909	65	7	income	income	NOUN
ijtc-909	65	8	because	because	SCONJ
ijtc-909	65	9	the	the	DET
ijtc-909	65	10	main	main	ADJ
ijtc-909	65	11	bank	bank	NOUN
ijtc-909	65	12	profit	profit	NOUN
ijtc-909	65	13	comes	come	VERB
ijtc-909	65	14	from	from	ADP
ijtc-909	65	15	deposit	deposit	NOUN
ijtc-909	65	16	interest	interest	NOUN
ijtc-909	65	17	minus	minus	PROPN
ijtc-909	65	18	loan	loan	NOUN
ijtc-909	65	19	interest	interest	NOUN
ijtc-909	65	20	(	(	PUNCT
ijtc-909	65	21	rosita	rosita	PROPN
ijtc-909	65	22	&	&	CCONJ
ijtc-909	65	23	musdholifah	musdholifah	PROPN
ijtc-909	65	24	,	,	PUNCT
ijtc-909	65	25	2018	2018	NUM
ijtc-909	65	26	)	)	PUNCT
ijtc-909	65	27	.	.	PUNCT
ijtc-909	66	1	interest	interest	NOUN
ijtc-909	66	2	rate	rate	NOUN
ijtc-909	66	3	interest	interest	NOUN
ijtc-909	66	4	is	be	AUX
ijtc-909	66	5	defined	define	VERB
ijtc-909	66	6	as	as	ADP
ijtc-909	66	7	a	a	DET
ijtc-909	66	8	fee	fee	NOUN
ijtc-909	66	9	that	that	PRON
ijtc-909	66	10	must	must	AUX
ijtc-909	66	11	be	be	AUX
ijtc-909	66	12	paid	pay	VERB
ijtc-909	66	13	to	to	ADP
ijtc-909	66	14	people	people	NOUN
ijtc-909	66	15	who	who	PRON
ijtc-909	66	16	deposit	deposit	VERB
ijtc-909	66	17	their	their	PRON
ijtc-909	66	18	funds	fund	NOUN
ijtc-909	66	19	in	in	ADP
ijtc-909	66	20	the	the	DET
ijtc-909	66	21	bank	bank	NOUN
ijtc-909	66	22	and	and	CCONJ
ijtc-909	66	23	that	that	PRON
ijtc-909	66	24	must	must	AUX
ijtc-909	66	25	be	be	AUX
ijtc-909	66	26	paid	pay	VERB
ijtc-909	66	27	by	by	ADP
ijtc-909	66	28	customers	customer	NOUN
ijtc-909	66	29	to	to	ADP
ijtc-909	66	30	the	the	DET
ijtc-909	66	31	bank	bank	NOUN
ijtc-909	66	32	(	(	PUNCT
ijtc-909	66	33	customers	customer	NOUN
ijtc-909	66	34	who	who	PRON
ijtc-909	66	35	receive	receive	VERB
ijtc-909	66	36	loans	loan	NOUN
ijtc-909	66	37	)	)	PUNCT
ijtc-909	66	38	.	.	PUNCT
ijtc-909	67	1	apart	apart	ADV
ijtc-909	67	2	from	from	ADP
ijtc-909	67	3	that	that	PRON
ijtc-909	67	4	,	,	PUNCT
ijtc-909	67	5	interest	interest	NOUN
ijtc-909	67	6	can	can	AUX
ijtc-909	67	7	also	also	ADV
ijtc-909	67	8	be	be	AUX
ijtc-909	67	9	interpreted	interpret	VERB
ijtc-909	67	10	as	as	ADP
ijtc-909	67	11	remuneration	remuneration	NOUN
ijtc-909	67	12	provided	provide	VERB
ijtc-909	67	13	by	by	ADP
ijtc-909	67	14	banks	bank	NOUN
ijtc-909	67	15	to	to	ADP
ijtc-909	67	16	customers	customer	NOUN
ijtc-909	67	17	who	who	PRON
ijtc-909	67	18	pay	pay	VERB
ijtc-909	67	19	or	or	CCONJ
ijtc-909	67	20	sell	sell	VERB
ijtc-909	67	21	their	their	PRON
ijtc-909	67	22	products	product	NOUN
ijtc-909	67	23	(	(	PUNCT
ijtc-909	67	24	kasmir	kasmir	PROPN
ijtc-909	67	25	,	,	PUNCT
ijtc-909	67	26	2015	2015	NUM
ijtc-909	67	27	)	)	PUNCT
ijtc-909	67	28	.	.	PUNCT
ijtc-909	68	1	the	the	DET
ijtc-909	68	2	interest	interest	NOUN
ijtc-909	68	3	rate	rate	NOUN
ijtc-909	68	4	is	be	AUX
ijtc-909	68	5	a	a	DET
ijtc-909	68	6	component	component	NOUN
ijtc-909	68	7	that	that	PRON
ijtc-909	68	8	determines	determine	VERB
ijtc-909	68	9	whether	whether	SCONJ
ijtc-909	68	10	someone	someone	PRON
ijtc-909	68	11	will	will	AUX
ijtc-909	68	12	invest	invest	VERB
ijtc-909	68	13	or	or	CCONJ
ijtc-909	68	14	save	save	VERB
ijtc-909	68	15	which	which	PRON
ijtc-909	68	16	will	will	AUX
ijtc-909	68	17	provide	provide	VERB
ijtc-909	68	18	benefits	benefit	NOUN
ijtc-909	68	19	for	for	ADP
ijtc-909	68	20	investors	investor	NOUN
ijtc-909	68	21	who	who	PRON
ijtc-909	68	22	invest	invest	VERB
ijtc-909	68	23	their	their	PRON
ijtc-909	68	24	funds	fund	NOUN
ijtc-909	68	25	.	.	PUNCT
ijtc-909	69	1	operational	operational	ADJ
ijtc-909	69	2	costs	cost	NOUN
ijtc-909	69	3	to	to	ADP
ijtc-909	69	4	operating	operate	VERB
ijtc-909	69	5	income	income	NOUN
ijtc-909	69	6	(	(	PUNCT
ijtc-909	69	7	bopo	bopo	NOUN
ijtc-909	69	8	)	)	PUNCT
ijtc-909	69	9	to	to	ADP
ijtc-909	69	10	non	non	ADJ
ijtc-909	69	11	-	-	ADJ
ijtc-909	69	12	performing	performing	ADJ
ijtc-909	69	13	loans	loan	NOUN
ijtc-909	69	14	the	the	DET
ijtc-909	69	15	bopo	bopo	NOUN
ijtc-909	69	16	ratio	ratio	NOUN
ijtc-909	69	17	illustrates	illustrate	VERB
ijtc-909	69	18	whether	whether	SCONJ
ijtc-909	69	19	the	the	DET
ijtc-909	69	20	bank	bank	NOUN
ijtc-909	69	21	has	have	AUX
ijtc-909	69	22	utilized	utilize	VERB
ijtc-909	69	23	its	its	PRON
ijtc-909	69	24	production	production	NOUN
ijtc-909	69	25	factors	factor	NOUN
ijtc-909	69	26	well	well	ADV
ijtc-909	69	27	or	or	CCONJ
ijtc-909	69	28	not	not	PART
ijtc-909	69	29	.	.	PUNCT
ijtc-909	70	1	if	if	SCONJ
ijtc-909	70	2	it	it	PRON
ijtc-909	70	3	is	be	AUX
ijtc-909	70	4	appropriate	appropriate	ADJ
ijtc-909	70	5	,	,	PUNCT
ijtc-909	70	6	it	it	PRON
ijtc-909	70	7	means	mean	VERB
ijtc-909	70	8	that	that	SCONJ
ijtc-909	70	9	the	the	DET
ijtc-909	70	10	bank	bank	NOUN
ijtc-909	70	11	can	can	AUX
ijtc-909	70	12	provide	provide	VERB
ijtc-909	70	13	credit	credit	NOUN
ijtc-909	70	14	or	or	CCONJ
ijtc-909	70	15	loans	loan	NOUN
ijtc-909	70	16	well	well	ADV
ijtc-909	70	17	because	because	SCONJ
ijtc-909	70	18	its	its	PRON
ijtc-909	70	19	financial	financial	ADJ
ijtc-909	70	20	performance	performance	NOUN
ijtc-909	70	21	is	be	AUX
ijtc-909	70	22	also	also	ADV
ijtc-909	70	23	good	good	ADJ
ijtc-909	70	24	.	.	PUNCT
ijtc-909	71	1	the	the	DET
ijtc-909	71	2	bopo	bopo	PROPN
ijtc-909	71	3	ratio	ratio	NOUN
ijtc-909	71	4	is	be	AUX
ijtc-909	71	5	used	use	VERB
ijtc-909	71	6	to	to	PART
ijtc-909	71	7	estimate	estimate	VERB
ijtc-909	71	8	the	the	DET
ijtc-909	71	9	level	level	NOUN
ijtc-909	71	10	of	of	ADP
ijtc-909	71	11	bank	bank	NOUN
ijtc-909	71	12	efficiency	efficiency	NOUN
ijtc-909	71	13	in	in	ADP
ijtc-909	71	14	terms	term	NOUN
ijtc-909	71	15	of	of	ADP
ijtc-909	71	16	its	its	PRON
ijtc-909	71	17	operational	operational	ADJ
ijtc-909	71	18	activities	activity	NOUN
ijtc-909	71	19	.	.	PUNCT
ijtc-909	72	1	the	the	DET
ijtc-909	72	2	lower	low	ADJ
ijtc-909	72	3	the	the	DET
ijtc-909	72	4	value	value	NOUN
ijtc-909	72	5	,	,	PUNCT
ijtc-909	72	6	the	the	PRON
ijtc-909	72	7	more	more	ADV
ijtc-909	72	8	efficient	efficient	ADJ
ijtc-909	72	9	the	the	DET
ijtc-909	72	10	bank	bank	NOUN
ijtc-909	72	11	is	be	AUX
ijtc-909	72	12	in	in	ADP
ijtc-909	72	13	paying	pay	VERB
ijtc-909	72	14	operational	operational	ADJ
ijtc-909	72	15	costs	cost	NOUN
ijtc-909	72	16	.	.	PUNCT
ijtc-909	73	1	bank	bank	NOUN
ijtc-909	73	2	efficiency	efficiency	NOUN
ijtc-909	73	3	will	will	AUX
ijtc-909	73	4	influence	influence	VERB
ijtc-909	73	5	on	on	ADP
ijtc-909	73	6	bank	bank	NOUN
ijtc-909	73	7	performance	performance	NOUN
ijtc-909	73	8	.	.	PUNCT
ijtc-909	74	1	bopo	bopo	NOUN
ijtc-909	74	2	or	or	CCONJ
ijtc-909	74	3	efficiency	efficiency	NOUN
ijtc-909	74	4	ratio	ratio	NOUN
ijtc-909	74	5	functions	function	NOUN
ijtc-909	74	6	to	to	PART
ijtc-909	74	7	determine	determine	VERB
ijtc-909	74	8	the	the	DET
ijtc-909	74	9	size	size	NOUN
ijtc-909	74	10	of	of	ADP
ijtc-909	74	11	banking	banking	NOUN
ijtc-909	74	12	management	management	NOUN
ijtc-909	74	13	's	's	PART
ijtc-909	74	14	ability	ability	NOUN
ijtc-909	74	15	to	to	PART
ijtc-909	74	16	control	control	VERB
ijtc-909	74	17	operational	operational	ADJ
ijtc-909	74	18	costs	cost	NOUN
ijtc-909	74	19	relative	relative	ADJ
ijtc-909	74	20	to	to	ADP
ijtc-909	74	21	operational	operational	ADJ
ijtc-909	74	22	income	income	NOUN
ijtc-909	74	23	(	(	PUNCT
ijtc-909	74	24	kingu	kingu	PROPN
ijtc-909	74	25	et	et	PROPN
ijtc-909	74	26	al	al	PROPN
ijtc-909	74	27	.	.	PROPN
ijtc-909	74	28	,	,	PUNCT
ijtc-909	74	29	2017	2017	NUM
ijtc-909	74	30	)	)	PUNCT
ijtc-909	74	31	.	.	PUNCT
ijtc-909	75	1	if	if	SCONJ
ijtc-909	75	2	the	the	DET
ijtc-909	75	3	bopo	bopo	NOUN
ijtc-909	75	4	ratio	ratio	NOUN
ijtc-909	75	5	is	be	AUX
ijtc-909	75	6	low	low	ADJ
ijtc-909	75	7	,	,	PUNCT
ijtc-909	75	8	the	the	DET
ijtc-909	75	9	bank	bank	NOUN
ijtc-909	75	10	's	's	PART
ijtc-909	75	11	operational	operational	ADJ
ijtc-909	75	12	costs	cost	NOUN
ijtc-909	75	13	will	will	AUX
ijtc-909	75	14	be	be	AUX
ijtc-909	75	15	more	more	ADV
ijtc-909	75	16	efficient	efficient	ADJ
ijtc-909	75	17	.	.	PUNCT
ijtc-909	76	1	however	however	ADV
ijtc-909	76	2	,	,	PUNCT
ijtc-909	76	3	on	on	ADP
ijtc-909	76	4	the	the	DET
ijtc-909	76	5	contrary	contrary	NOUN
ijtc-909	76	6	,	,	PUNCT
ijtc-909	76	7	there	there	PRON
ijtc-909	76	8	is	be	VERB
ijtc-909	76	9	potential	potential	ADJ
ijtc-909	76	10	for	for	ADP
ijtc-909	76	11	credit	credit	NOUN
ijtc-909	76	12	problems	problem	NOUN
ijtc-909	76	13	if	if	SCONJ
ijtc-909	76	14	the	the	DET
ijtc-909	76	15	bank	bank	NOUN
ijtc-909	76	16	's	's	PART
ijtc-909	76	17	operational	operational	ADJ
ijtc-909	76	18	performance	performance	NOUN
ijtc-909	76	19	or	or	CCONJ
ijtc-909	76	20	credit	credit	NOUN
ijtc-909	76	21	does	do	AUX
ijtc-909	76	22	not	not	PART
ijtc-909	76	23	run	run	VERB
ijtc-909	76	24	efficiently	efficiently	ADV
ijtc-909	76	25	(	(	PUNCT
ijtc-909	76	26	wardani	wardani	PROPN
ijtc-909	76	27	et	et	PROPN
ijtc-909	76	28	al	al	PROPN
ijtc-909	76	29	.	.	PROPN
ijtc-909	76	30	,	,	PUNCT
ijtc-909	76	31	2021a	2021a	NUM
ijtc-909	76	32	)	)	PUNCT
ijtc-909	76	33	.	.	PUNCT
ijtc-909	77	1	in	in	ADP
ijtc-909	77	2	reality	reality	NOUN
ijtc-909	77	3	,	,	PUNCT
ijtc-909	77	4	there	there	PRON
ijtc-909	77	5	is	be	VERB
ijtc-909	77	6	uncertainty	uncertainty	NOUN
ijtc-909	77	7	related	relate	VERB
ijtc-909	77	8	to	to	ADP
ijtc-909	77	9	banking	banking	NOUN
ijtc-909	77	10	business	business	NOUN
ijtc-909	77	11	activities	activity	NOUN
ijtc-909	77	12	or	or	CCONJ
ijtc-909	77	13	banking	banking	NOUN
ijtc-909	77	14	operational	operational	ADJ
ijtc-909	77	15	activities	activity	NOUN
ijtc-909	77	16	where	where	SCONJ
ijtc-909	77	17	losses	loss	NOUN
ijtc-909	77	18	are	be	AUX
ijtc-909	77	19	likely	likely	ADJ
ijtc-909	77	20	to	to	PART
ijtc-909	77	21	occur	occur	VERB
ijtc-909	77	22	,	,	PUNCT
ijtc-909	77	23	causing	cause	VERB
ijtc-909	77	24	a	a	DET
ijtc-909	77	25	reduction	reduction	NOUN
ijtc-909	77	26	in	in	ADP
ijtc-909	77	27	profits	profit	NOUN
ijtc-909	77	28	that	that	PRON
ijtc-909	77	29	can	can	AUX
ijtc-909	77	30	be	be	AUX
ijtc-909	77	31	obtained	obtain	VERB
ijtc-909	77	32	by	by	ADP
ijtc-909	77	33	the	the	DET
ijtc-909	77	34	bank	bank	NOUN
ijtc-909	77	35	.	.	PUNCT
ijtc-909	78	1	the	the	DET
ijtc-909	78	2	results	result	NOUN
ijtc-909	78	3	of	of	ADP
ijtc-909	78	4	research	research	NOUN
ijtc-909	78	5	conducted	conduct	VERB
ijtc-909	78	6	by	by	ADP
ijtc-909	78	7	(	(	PUNCT
ijtc-909	78	8	cahyono	cahyono	PROPN
ijtc-909	78	9	et	et	PROPN
ijtc-909	78	10	al	al	PROPN
ijtc-909	78	11	.	.	PROPN
ijtc-909	78	12	,	,	PUNCT
ijtc-909	78	13	2022	2022	NUM
ijtc-909	78	14	)	)	PUNCT
ijtc-909	78	15	,	,	PUNCT
ijtc-909	78	16	(	(	PUNCT
ijtc-909	78	17	khan	khan	PROPN
ijtc-909	78	18	et	et	PROPN
ijtc-909	78	19	al	al	PROPN
ijtc-909	78	20	.	.	PROPN
ijtc-909	78	21	,	,	PUNCT
ijtc-909	78	22	2020	2020	NUM
ijtc-909	78	23	)	)	PUNCT
ijtc-909	78	24	show	show	VERB
ijtc-909	78	25	that	that	SCONJ
ijtc-909	78	26	bopo	bopo	NOUN
ijtc-909	78	27	has	have	VERB
ijtc-909	78	28	a	a	DET
ijtc-909	78	29	positive	positive	ADJ
ijtc-909	78	30	effect	effect	NOUN
ijtc-909	78	31	on	on	ADP
ijtc-909	78	32	non	non	ADJ
ijtc-909	78	33	-	-	ADJ
ijtc-909	78	34	performing	perform	VERB
ijtc-909	78	35	loans	loan	NOUN
ijtc-909	78	36	.	.	PUNCT
ijtc-909	79	1	based	base	VERB
ijtc-909	79	2	on	on	ADP
ijtc-909	79	3	the	the	DET
ijtc-909	79	4	description	description	NOUN
ijtc-909	79	5	above	above	ADV
ijtc-909	79	6	,	,	PUNCT
ijtc-909	79	7	the	the	DET
ijtc-909	79	8	following	follow	VERB
ijtc-909	79	9	hypothesis	hypothesis	NOUN
ijtc-909	79	10	can	can	AUX
ijtc-909	79	11	be	be	AUX
ijtc-909	79	12	formulated	formulate	VERB
ijtc-909	79	13	:	:	PUNCT
ijtc-909	79	14	hypothesis	hypothesis	NOUN
ijtc-909	79	15	1	1	NUM
ijtc-909	79	16	:	:	PUNCT
ijtc-909	79	17	operating	operate	VERB
ijtc-909	79	18	costs	cost	NOUN
ijtc-909	79	19	operating	operating	NOUN
ijtc-909	79	20	income	income	NOUN
ijtc-909	79	21	(	(	PUNCT
ijtc-909	79	22	bopo	bopo	NOUN
ijtc-909	79	23	)	)	PUNCT
ijtc-909	79	24	has	have	VERB
ijtc-909	79	25	a	a	DET
ijtc-909	79	26	positive	positive	ADJ
ijtc-909	79	27	effect	effect	NOUN
ijtc-909	79	28	on	on	ADP
ijtc-909	79	29	nonperforming	nonperforme	VERB
ijtc-909	79	30	loans	loan	NOUN
ijtc-909	79	31	interest	interest	NOUN
ijtc-909	79	32	rates	rate	NOUN
ijtc-909	79	33	on	on	ADP
ijtc-909	79	34	non	non	ADJ
ijtc-909	79	35	-	-	ADJ
ijtc-909	79	36	performing	performing	ADJ
ijtc-909	79	37	loans	loan	NOUN
ijtc-909	79	38	interest	interest	NOUN
ijtc-909	79	39	is	be	AUX
ijtc-909	79	40	defined	define	VERB
ijtc-909	79	41	as	as	ADP
ijtc-909	79	42	fees	fee	NOUN
ijtc-909	79	43	that	that	PRON
ijtc-909	79	44	must	must	AUX
ijtc-909	79	45	be	be	AUX
ijtc-909	79	46	paid	pay	VERB
ijtc-909	79	47	to	to	ADP
ijtc-909	79	48	people	people	NOUN
ijtc-909	79	49	who	who	PRON
ijtc-909	79	50	deposit	deposit	VERB
ijtc-909	79	51	their	their	PRON
ijtc-909	79	52	funds	fund	NOUN
ijtc-909	79	53	in	in	ADP
ijtc-909	79	54	banks	bank	NOUN
ijtc-909	79	55	and	and	CCONJ
ijtc-909	79	56	fees	fee	NOUN
ijtc-909	79	57	that	that	PRON
ijtc-909	79	58	must	must	AUX
ijtc-909	79	59	be	be	AUX
ijtc-909	79	60	paid	pay	VERB
ijtc-909	79	61	by	by	ADP
ijtc-909	79	62	customers	customer	NOUN
ijtc-909	79	63	to	to	ADP
ijtc-909	79	64	banks	bank	NOUN
ijtc-909	79	65	(	(	PUNCT
ijtc-909	79	66	customers	customer	NOUN
ijtc-909	79	67	who	who	PRON
ijtc-909	79	68	have	have	VERB
ijtc-909	79	69	credit	credit	NOUN
ijtc-909	79	70	)	)	PUNCT
ijtc-909	79	71	.	.	PUNCT
ijtc-909	80	1	apart	apart	ADV
ijtc-909	80	2	from	from	ADP
ijtc-909	80	3	that	that	PRON
ijtc-909	80	4	,	,	PUNCT
ijtc-909	80	5	interest	interest	NOUN
ijtc-909	80	6	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-909	80	7	the	the	DET
ijtc-909	80	8	influence	influence	NOUN
ijtc-909	80	9	of	of	ADP
ijtc-909	80	10	operational	operational	ADJ
ijtc-909	80	11	costs	cost	NOUN
ijtc-909	80	12	on	on	ADP
ijtc-909	80	13	operating	operate	VERB
ijtc-909	80	14	income	income	NOUN
ijtc-909	80	15	and	and	CCONJ
ijtc-909	80	16	interest	interest	NOUN
ijtc-909	80	17	rates	rate	NOUN
ijtc-909	80	18	on	on	ADP
ijtc-909	80	19	nonperforming	nonperforme	VERB
ijtc-909	80	20	loans	loan	NOUN
ijtc-909	80	21	in	in	ADP
ijtc-909	80	22	banking	banking	NOUN
ijtc-909	80	23	companies	company	NOUN
ijtc-909	80	24	listed	list	VERB
ijtc-909	80	25	on	on	ADP
ijtc-909	80	26	the	the	DET
ijtc-909	80	27	indonesian	indonesian	ADJ
ijtc-909	80	28	stock	stock	PROPN
ijtc-909	80	29	exchange	exchange	PROPN
ijtc-909	80	30	safitri	safitri	PROPN
ijtc-909	80	31	,	,	PUNCT
ijtc-909	80	32	sulastri	sulastri	ADJ
ijtc-909	80	33	,	,	PUNCT
ijtc-909	80	34	and	and	CCONJ
ijtc-909	80	35	andriana	andriana	NOUN
ijtc-909	80	36	775	775	NUM
ijtc-909	80	37	|	|	ADV
ijtc-909	80	38	ilomata	ilomata	PROPN
ijtc-909	80	39	international	international	ADJ
ijtc-909	80	40	journal	journal	NOUN
ijtc-909	80	41	of	of	ADP
ijtc-909	80	42	tax	tax	PROPN
ijtc-909	80	43	&	&	CCONJ
ijtc-909	80	44	accounting	accounting	PROPN
ijtc-909	80	45	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-909	80	46	can	can	AUX
ijtc-909	80	47	also	also	ADV
ijtc-909	80	48	be	be	AUX
ijtc-909	80	49	interpreted	interpret	VERB
ijtc-909	80	50	as	as	ADP
ijtc-909	80	51	remuneration	remuneration	NOUN
ijtc-909	80	52	provided	provide	VERB
ijtc-909	80	53	by	by	ADP
ijtc-909	80	54	banks	bank	NOUN
ijtc-909	80	55	to	to	ADP
ijtc-909	80	56	customers	customer	NOUN
ijtc-909	80	57	who	who	PRON
ijtc-909	80	58	pay	pay	VERB
ijtc-909	80	59	or	or	CCONJ
ijtc-909	80	60	sell	sell	VERB
ijtc-909	80	61	their	their	PRON
ijtc-909	80	62	products	product	NOUN
ijtc-909	80	63	(	(	PUNCT
ijtc-909	80	64	kasmir	kasmir	PROPN
ijtc-909	80	65	,	,	PUNCT
ijtc-909	80	66	2015	2015	NUM
ijtc-909	80	67	)	)	PUNCT
ijtc-909	80	68	the	the	PRON
ijtc-909	80	69	higher	high	ADJ
ijtc-909	80	70	the	the	DET
ijtc-909	80	71	bank	bank	NOUN
ijtc-909	80	72	interest	interest	NOUN
ijtc-909	80	73	rate	rate	NOUN
ijtc-909	80	74	,	,	PUNCT
ijtc-909	80	75	the	the	PRON
ijtc-909	80	76	higher	high	ADJ
ijtc-909	80	77	the	the	DET
ijtc-909	80	78	npl	npl	NOUN
ijtc-909	80	79	value	value	NOUN
ijtc-909	80	80	will	will	AUX
ijtc-909	80	81	be	be	AUX
ijtc-909	80	82	.	.	PUNCT
ijtc-909	81	1	this	this	PRON
ijtc-909	81	2	is	be	AUX
ijtc-909	81	3	because	because	SCONJ
ijtc-909	81	4	when	when	SCONJ
ijtc-909	81	5	bank	bank	NOUN
ijtc-909	81	6	interest	interest	NOUN
ijtc-909	81	7	rates	rate	NOUN
ijtc-909	81	8	rise	rise	VERB
ijtc-909	81	9	,	,	PUNCT
ijtc-909	81	10	deposit	deposit	NOUN
ijtc-909	81	11	interest	interest	NOUN
ijtc-909	81	12	rates	rate	NOUN
ijtc-909	81	13	also	also	ADV
ijtc-909	81	14	indirectly	indirectly	ADV
ijtc-909	81	15	rise	rise	VERB
ijtc-909	81	16	.	.	PUNCT
ijtc-909	82	1	rising	rise	VERB
ijtc-909	82	2	deposit	deposit	NOUN
ijtc-909	82	3	interest	interest	NOUN
ijtc-909	82	4	rates	rate	NOUN
ijtc-909	82	5	will	will	AUX
ijtc-909	82	6	cause	cause	VERB
ijtc-909	82	7	the	the	DET
ijtc-909	82	8	costs	cost	NOUN
ijtc-909	82	9	of	of	ADP
ijtc-909	82	10	collecting	collect	VERB
ijtc-909	82	11	third	third	ADJ
ijtc-909	82	12	-	-	PUNCT
ijtc-909	82	13	party	party	NOUN
ijtc-909	82	14	funds	fund	NOUN
ijtc-909	82	15	to	to	PART
ijtc-909	82	16	also	also	ADV
ijtc-909	82	17	increase	increase	VERB
ijtc-909	82	18	.	.	PUNCT
ijtc-909	83	1	if	if	SCONJ
ijtc-909	83	2	that	that	PRON
ijtc-909	83	3	happens	happen	VERB
ijtc-909	83	4	,	,	PUNCT
ijtc-909	83	5	bank	bank	NOUN
ijtc-909	83	6	credit	credit	NOUN
ijtc-909	83	7	interest	interest	NOUN
ijtc-909	83	8	rates	rate	NOUN
ijtc-909	83	9	will	will	AUX
ijtc-909	83	10	also	also	ADV
ijtc-909	83	11	increase	increase	VERB
ijtc-909	83	12	so	so	SCONJ
ijtc-909	83	13	that	that	SCONJ
ijtc-909	83	14	the	the	DET
ijtc-909	83	15	risk	risk	NOUN
ijtc-909	83	16	of	of	ADP
ijtc-909	83	17	problematic	problematic	ADJ
ijtc-909	83	18	credit	credit	NOUN
ijtc-909	83	19	will	will	AUX
ijtc-909	83	20	increase	increase	VERB
ijtc-909	83	21	(	(	PUNCT
ijtc-909	83	22	akbar	akbar	NOUN
ijtc-909	83	23	&	&	CCONJ
ijtc-909	83	24	a.	a.	NOUN
ijtc-909	83	25	,	,	PUNCT
ijtc-909	83	26	2022	2022	NUM
ijtc-909	83	27	)	)	PUNCT
ijtc-909	83	28	.	.	PUNCT
ijtc-909	84	1	the	the	DET
ijtc-909	84	2	results	result	NOUN
ijtc-909	84	3	of	of	ADP
ijtc-909	84	4	research	research	NOUN
ijtc-909	84	5	conducted	conduct	VERB
ijtc-909	84	6	by	by	ADP
ijtc-909	84	7	(	(	PUNCT
ijtc-909	84	8	dao	dao	NOUN
ijtc-909	84	9	et	et	PROPN
ijtc-909	84	10	al	al	PROPN
ijtc-909	84	11	.	.	PROPN
ijtc-909	84	12	,	,	PUNCT
ijtc-909	84	13	2020	2020	NUM
ijtc-909	84	14	;	;	PUNCT
ijtc-909	84	15	dewanto	dewanto	NOUN
ijtc-909	84	16	,	,	PUNCT
ijtc-909	84	17	2022	2022	NUM
ijtc-909	84	18	;	;	PUNCT
ijtc-909	84	19	zariyawati1	zariyawati1	PROPN
ijtc-909	84	20	et	et	PROPN
ijtc-909	84	21	al	al	PROPN
ijtc-909	84	22	.	.	PROPN
ijtc-909	84	23	,	,	PUNCT
ijtc-909	84	24	2021	2021	NUM
ijtc-909	84	25	)	)	PUNCT
ijtc-909	84	26	show	show	VERB
ijtc-909	84	27	that	that	SCONJ
ijtc-909	84	28	credit	credit	NOUN
ijtc-909	84	29	interest	interest	NOUN
ijtc-909	84	30	rates	rate	NOUN
ijtc-909	84	31	have	have	VERB
ijtc-909	84	32	a	a	DET
ijtc-909	84	33	positive	positive	ADJ
ijtc-909	84	34	effect	effect	NOUN
ijtc-909	84	35	on	on	ADP
ijtc-909	84	36	non	non	ADJ
ijtc-909	84	37	-	-	ADJ
ijtc-909	84	38	performing	perform	VERB
ijtc-909	84	39	loans	loan	NOUN
ijtc-909	84	40	.	.	PUNCT
ijtc-909	85	1	based	base	VERB
ijtc-909	85	2	on	on	ADP
ijtc-909	85	3	the	the	DET
ijtc-909	85	4	results	result	NOUN
ijtc-909	85	5	of	of	ADP
ijtc-909	85	6	the	the	DET
ijtc-909	85	7	description	description	NOUN
ijtc-909	85	8	above	above	ADV
ijtc-909	85	9	,	,	PUNCT
ijtc-909	85	10	the	the	DET
ijtc-909	85	11	following	follow	VERB
ijtc-909	85	12	hypothesis	hypothesis	NOUN
ijtc-909	85	13	can	can	AUX
ijtc-909	85	14	be	be	AUX
ijtc-909	85	15	concluded	conclude	VERB
ijtc-909	85	16	:	:	PUNCT
ijtc-909	85	17	hypothesis	hypothesis	NOUN
ijtc-909	85	18	2	2	NUM
ijtc-909	85	19	:	:	PUNCT
ijtc-909	85	20	credit	credit	NOUN
ijtc-909	85	21	interest	interest	NOUN
ijtc-909	85	22	rates	rate	NOUN
ijtc-909	85	23	have	have	VERB
ijtc-909	85	24	a	a	DET
ijtc-909	85	25	positive	positive	ADJ
ijtc-909	85	26	effect	effect	NOUN
ijtc-909	85	27	on	on	ADP
ijtc-909	85	28	non	non	ADJ
ijtc-909	85	29	-	-	ADJ
ijtc-909	85	30	performing	perform	VERB
ijtc-909	85	31	loans	loan	NOUN
ijtc-909	85	32	.	.	PUNCT
ijtc-909	86	1	method	method	VERB
ijtc-909	86	2	the	the	DET
ijtc-909	86	3	type	type	NOUN
ijtc-909	86	4	of	of	ADP
ijtc-909	86	5	data	datum	NOUN
ijtc-909	86	6	used	use	VERB
ijtc-909	86	7	in	in	ADP
ijtc-909	86	8	this	this	DET
ijtc-909	86	9	research	research	NOUN
ijtc-909	86	10	is	be	AUX
ijtc-909	86	11	quantitative	quantitative	ADJ
ijtc-909	86	12	data	datum	NOUN
ijtc-909	86	13	,	,	PUNCT
ijtc-909	86	14	sourced	source	VERB
ijtc-909	86	15	from	from	ADP
ijtc-909	86	16	secondary	secondary	ADJ
ijtc-909	86	17	data	datum	NOUN
ijtc-909	86	18	,	,	PUNCT
ijtc-909	86	19	namely	namely	ADV
ijtc-909	86	20	data	datum	NOUN
ijtc-909	86	21	originating	originate	VERB
ijtc-909	86	22	from	from	ADP
ijtc-909	86	23	financial	financial	ADJ
ijtc-909	86	24	reports	report	NOUN
ijtc-909	86	25	that	that	PRON
ijtc-909	86	26	have	have	AUX
ijtc-909	86	27	been	be	AUX
ijtc-909	86	28	processed	process	VERB
ijtc-909	86	29	by	by	ADP
ijtc-909	86	30	each	each	DET
ijtc-909	86	31	banking	banking	NOUN
ijtc-909	86	32	company	company	NOUN
ijtc-909	86	33	starting	start	VERB
ijtc-909	86	34	from	from	ADP
ijtc-909	86	35	2018	2018	NUM
ijtc-909	86	36	2022	2022	NUM
ijtc-909	86	37	.	.	PUNCT
ijtc-909	87	1	data	datum	NOUN
ijtc-909	87	2	was	be	AUX
ijtc-909	87	3	obtained	obtain	VERB
ijtc-909	87	4	from	from	ADP
ijtc-909	87	5	sources	source	NOUN
ijtc-909	87	6	:	:	PUNCT
ijtc-909	87	7	the	the	DET
ijtc-909	87	8	financial	financial	ADJ
ijtc-909	87	9	services	service	NOUN
ijtc-909	87	10	authority	authority	NOUN
ijtc-909	87	11	and	and	CCONJ
ijtc-909	87	12	data	data	PROPN
ijtc-909	87	13	bank	bank	PROPN
ijtc-909	87	14	indonesia	indonesia	PROPN
ijtc-909	87	15	.	.	PUNCT
ijtc-909	88	1	this	this	DET
ijtc-909	88	2	research	research	NOUN
ijtc-909	88	3	uses	use	VERB
ijtc-909	88	4	multiple	multiple	ADJ
ijtc-909	88	5	linear	linear	ADJ
ijtc-909	88	6	regression	regression	NOUN
ijtc-909	88	7	analysis	analysis	NOUN
ijtc-909	88	8	techniques	technique	NOUN
ijtc-909	88	9	with	with	ADP
ijtc-909	88	10	panel	panel	NOUN
ijtc-909	88	11	data	datum	NOUN
ijtc-909	88	12	and	and	CCONJ
ijtc-909	88	13	uses	use	VERB
ijtc-909	88	14	eviews	eviews	PROPN
ijtc-909	88	15	10	10	NUM
ijtc-909	88	16	software	software	NOUN
ijtc-909	88	17	.	.	PUNCT
ijtc-909	89	1	research	research	NOUN
ijtc-909	89	2	data	datum	NOUN
ijtc-909	89	3	was	be	AUX
ijtc-909	89	4	obtained	obtain	VERB
ijtc-909	89	5	from	from	ADP
ijtc-909	89	6	purposive	purposive	ADJ
ijtc-909	89	7	sampling	sampling	NOUN
ijtc-909	89	8	results	result	NOUN
ijtc-909	89	9	by	by	ADP
ijtc-909	89	10	research	research	NOUN
ijtc-909	89	11	criteria	criterion	NOUN
ijtc-909	89	12	.	.	PUNCT
ijtc-909	90	1	independent	independent	ADJ
ijtc-909	90	2	(	(	PUNCT
ijtc-909	90	3	independent	independent	ADJ
ijtc-909	90	4	)	)	PUNCT
ijtc-909	90	5	variables	variable	NOUN
ijtc-909	90	6	are	be	AUX
ijtc-909	90	7	variables	variable	NOUN
ijtc-909	90	8	that	that	SCONJ
ijtc-909	90	9	influence	influence	NOUN
ijtc-909	90	10	or	or	CCONJ
ijtc-909	90	11	cause	cause	VERB
ijtc-909	90	12	the	the	DET
ijtc-909	90	13	emergence	emergence	NOUN
ijtc-909	90	14	or	or	CCONJ
ijtc-909	90	15	change	change	NOUN
ijtc-909	90	16	in	in	ADP
ijtc-909	90	17	the	the	DET
ijtc-909	90	18	dependent	dependent	ADJ
ijtc-909	90	19	variable	variable	NOUN
ijtc-909	90	20	.	.	PUNCT
ijtc-909	91	1	meanwhile	meanwhile	ADV
ijtc-909	91	2	,	,	PUNCT
ijtc-909	91	3	the	the	DET
ijtc-909	91	4	dependent	dependent	ADJ
ijtc-909	91	5	variable	variable	NOUN
ijtc-909	91	6	is	be	AUX
ijtc-909	91	7	a	a	DET
ijtc-909	91	8	variable	variable	NOUN
ijtc-909	91	9	that	that	PRON
ijtc-909	91	10	is	be	AUX
ijtc-909	91	11	influenced	influence	VERB
ijtc-909	91	12	or	or	CCONJ
ijtc-909	91	13	is	be	AUX
ijtc-909	91	14	the	the	DET
ijtc-909	91	15	result	result	NOUN
ijtc-909	91	16	of	of	ADP
ijtc-909	91	17	the	the	DET
ijtc-909	91	18	existence	existence	NOUN
ijtc-909	91	19	of	of	ADP
ijtc-909	91	20	an	an	DET
ijtc-909	91	21	independent	independent	ADJ
ijtc-909	91	22	variable	variable	NOUN
ijtc-909	91	23	(	(	PUNCT
ijtc-909	91	24	sartono	sartono	ADJ
ijtc-909	91	25	,	,	PUNCT
ijtc-909	91	26	2015	2015	NUM
ijtc-909	91	27	)	)	PUNCT
ijtc-909	91	28	.	.	PUNCT
ijtc-909	92	1	in	in	ADP
ijtc-909	92	2	more	more	ADJ
ijtc-909	92	3	detail	detail	NOUN
ijtc-909	92	4	,	,	PUNCT
ijtc-909	92	5	the	the	DET
ijtc-909	92	6	operationalization	operationalization	NOUN
ijtc-909	92	7	of	of	ADP
ijtc-909	92	8	the	the	DET
ijtc-909	92	9	independent	independent	ADJ
ijtc-909	92	10	and	and	CCONJ
ijtc-909	92	11	dependent	dependent	ADJ
ijtc-909	92	12	variables	variable	NOUN
ijtc-909	92	13	in	in	ADP
ijtc-909	92	14	this	this	DET
ijtc-909	92	15	research	research	NOUN
ijtc-909	92	16	is	be	AUX
ijtc-909	92	17	as	as	SCONJ
ijtc-909	92	18	follows	follow	VERB
ijtc-909	92	19	:	:	PUNCT
ijtc-909	92	20	table	table	NOUN
ijtc-909	92	21	2	2	NUM
ijtc-909	92	22	operational	operational	ADJ
ijtc-909	92	23	definition	definition	NOUN
ijtc-909	92	24	of	of	ADP
ijtc-909	92	25	variables	variable	NOUN
ijtc-909	92	26	source	source	NOUN
ijtc-909	92	27	:	:	PUNCT
ijtc-909	92	28	data	datum	NOUN
ijtc-909	92	29	processed	process	VERB
ijtc-909	92	30	,	,	PUNCT
ijtc-909	92	31	author	author	NOUN
ijtc-909	92	32	(	(	PUNCT
ijtc-909	92	33	2023	2023	NUM
ijtc-909	92	34	)	)	PUNCT
ijtc-909	92	35	variable	variable	ADJ
ijtc-909	92	36	definition	definition	NOUN
ijtc-909	92	37	scala	scala	PROPN
ijtc-909	92	38	indicator	indicator	PROPN
ijtc-909	92	39	operating	operating	NOUN
ijtc-909	92	40	costs	cost	NOUN
ijtc-909	92	41	on	on	ADP
ijtc-909	92	42	operating	operate	VERB
ijtc-909	92	43	income	income	NOUN
ijtc-909	92	44	(	(	PUNCT
ijtc-909	92	45	bopo	bopo	NOUN
ijtc-909	92	46	)	)	PUNCT
ijtc-909	92	47	(	(	PUNCT
ijtc-909	92	48	x1	x1	X
ijtc-909	92	49	)	)	PUNCT
ijtc-909	92	50	a	a	DET
ijtc-909	92	51	ratio	ratio	NOUN
ijtc-909	92	52	that	that	PRON
ijtc-909	92	53	compares	compare	VERB
ijtc-909	92	54	the	the	DET
ijtc-909	92	55	total	total	ADJ
ijtc-909	92	56	operational	operational	ADJ
ijtc-909	92	57	costs	cost	NOUN
ijtc-909	92	58	and	and	CCONJ
ijtc-909	92	59	operational	operational	ADJ
ijtc-909	92	60	income	income	NOUN
ijtc-909	92	61	of	of	ADP
ijtc-909	92	62	the	the	DET
ijtc-909	92	63	bank	bank	NOUN
ijtc-909	92	64	.	.	PUNCT
ijtc-909	93	1	ratio	ratio	NOUN
ijtc-909	93	2	bopo	bopo	NOUN
ijtc-909	94	1	=	=	PUNCT
ijtc-909	94	2	operating	operate	VERB
ijtc-909	94	3	costs	cost	NOUN
ijtc-909	94	4	operating	operate	VERB
ijtc-909	94	5	income	income	NOUN
ijtc-909	94	6	interest	interest	NOUN
ijtc-909	94	7	rate	rate	NOUN
ijtc-909	94	8	(	(	PUNCT
ijtc-909	94	9	x2	x2	PROPN
ijtc-909	94	10	)	)	PUNCT
ijtc-909	94	11	the	the	DET
ijtc-909	94	12	interest	interest	NOUN
ijtc-909	94	13	rate	rate	NOUN
ijtc-909	94	14	reference	reference	NOUN
ijtc-909	94	15	rate	rate	NOUN
ijtc-909	94	16	has	have	AUX
ijtc-909	94	17	been	be	AUX
ijtc-909	94	18	set	set	VERB
ijtc-909	94	19	by	by	ADP
ijtc-909	94	20	bank	bank	PROPN
ijtc-909	94	21	indonesia	indonesia	PROPN
ijtc-909	94	22	and	and	CCONJ
ijtc-909	94	23	has	have	AUX
ijtc-909	94	24	been	be	AUX
ijtc-909	94	25	published	publish	VERB
ijtc-909	94	26	to	to	ADP
ijtc-909	94	27	the	the	DET
ijtc-909	94	28	public	public	NOUN
ijtc-909	94	29	.	.	PUNCT
ijtc-909	95	1	ratio	ratio	NOUN
ijtc-909	95	2	bi	bi	PROPN
ijtc-909	95	3	rate	rate	PROPN
ijtc-909	95	4	nonperforming	nonperforme	VERB
ijtc-909	95	5	loan	loan	NOUN
ijtc-909	95	6	(	(	PUNCT
ijtc-909	95	7	npl	npl	PROPN
ijtc-909	95	8	)	)	PUNCT
ijtc-909	95	9	(	(	PUNCT
ijtc-909	95	10	y	y	X
ijtc-909	95	11	)	)	PUNCT
ijtc-909	95	12	the	the	DET
ijtc-909	95	13	ratio	ratio	NOUN
ijtc-909	95	14	between	between	ADP
ijtc-909	95	15	the	the	DET
ijtc-909	95	16	amount	amount	NOUN
ijtc-909	95	17	of	of	ADP
ijtc-909	95	18	credit	credit	NOUN
ijtc-909	95	19	given	give	VERB
ijtc-909	95	20	and	and	CCONJ
ijtc-909	95	21	the	the	DET
ijtc-909	95	22	level	level	NOUN
ijtc-909	95	23	of	of	ADP
ijtc-909	95	24	collectibility	collectibility	NOUN
ijtc-909	95	25	(	(	PUNCT
ijtc-909	95	26	problem	problem	NOUN
ijtc-909	95	27	loans	loan	NOUN
ijtc-909	95	28	)	)	PUNCT
ijtc-909	95	29	compared	compare	VERB
ijtc-909	95	30	to	to	ADP
ijtc-909	95	31	the	the	DET
ijtc-909	95	32	total	total	ADJ
ijtc-909	95	33	credit	credit	NOUN
ijtc-909	95	34	given	give	VERB
ijtc-909	95	35	by	by	ADP
ijtc-909	95	36	the	the	DET
ijtc-909	95	37	bank	bank	NOUN
ijtc-909	95	38	.	.	PUNCT
ijtc-909	96	1	ratio	ratio	NOUN
ijtc-909	96	2	npl=	npl=	PROPN
ijtc-909	96	3	problem	problem	NOUN
ijtc-909	96	4	loans	loan	NOUN
ijtc-909	96	5	total	total	ADJ
ijtc-909	96	6	credit	credit	NOUN
ijtc-909	96	7	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-909	96	8	the	the	DET
ijtc-909	96	9	influence	influence	NOUN
ijtc-909	96	10	of	of	ADP
ijtc-909	96	11	operational	operational	ADJ
ijtc-909	96	12	costs	cost	NOUN
ijtc-909	96	13	on	on	ADP
ijtc-909	96	14	operating	operate	VERB
ijtc-909	96	15	income	income	NOUN
ijtc-909	96	16	and	and	CCONJ
ijtc-909	96	17	interest	interest	NOUN
ijtc-909	96	18	rates	rate	NOUN
ijtc-909	96	19	on	on	ADP
ijtc-909	96	20	nonperforming	nonperforme	VERB
ijtc-909	96	21	loans	loan	NOUN
ijtc-909	96	22	in	in	ADP
ijtc-909	96	23	banking	banking	NOUN
ijtc-909	96	24	companies	company	NOUN
ijtc-909	96	25	listed	list	VERB
ijtc-909	96	26	on	on	ADP
ijtc-909	96	27	the	the	DET
ijtc-909	96	28	indonesian	indonesian	ADJ
ijtc-909	96	29	stock	stock	PROPN
ijtc-909	96	30	exchange	exchange	PROPN
ijtc-909	96	31	safitri	safitri	PROPN
ijtc-909	96	32	,	,	PUNCT
ijtc-909	96	33	sulastri	sulastri	ADJ
ijtc-909	96	34	,	,	PUNCT
ijtc-909	96	35	and	and	CCONJ
ijtc-909	96	36	andriana	andriana	NOUN
ijtc-909	96	37	776	776	NUM
ijtc-909	96	38	|	|	ADV
ijtc-909	96	39	ilomata	ilomata	PROPN
ijtc-909	96	40	international	international	ADJ
ijtc-909	96	41	journal	journal	NOUN
ijtc-909	96	42	of	of	ADP
ijtc-909	96	43	tax	tax	PROPN
ijtc-909	96	44	&	&	CCONJ
ijtc-909	96	45	accounting	account	VERB
ijtc-909	96	46	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-909	96	47	results	result	NOUN
ijtc-909	96	48	and	and	CCONJ
ijtc-909	96	49	discussions	discussion	NOUN
ijtc-909	96	50	the	the	DET
ijtc-909	96	51	data	datum	NOUN
ijtc-909	96	52	used	use	VERB
ijtc-909	96	53	is	be	AUX
ijtc-909	96	54	30	30	NUM
ijtc-909	96	55	banking	banking	NOUN
ijtc-909	96	56	companies	company	NOUN
ijtc-909	96	57	with	with	ADP
ijtc-909	96	58	a	a	DET
ijtc-909	96	59	period	period	NOUN
ijtc-909	96	60	of	of	ADP
ijtc-909	96	61	5	5	NUM
ijtc-909	96	62	years	year	NOUN
ijtc-909	96	63	2018	2018	NUM
ijtc-909	96	64	–	–	PUNCT
ijtc-909	96	65	2022	2022	NUM
ijtc-909	96	66	,	,	PUNCT
ijtc-909	96	67	so	so	CCONJ
ijtc-909	96	68	the	the	DET
ijtc-909	96	69	observation	observation	NOUN
ijtc-909	96	70	data	data	NOUN
ijtc-909	96	71	is	be	AUX
ijtc-909	96	72	150	150	NUM
ijtc-909	96	73	data	datum	NOUN
ijtc-909	96	74	.	.	PUNCT
ijtc-909	97	1	table	table	NOUN
ijtc-909	97	2	3	3	NUM
ijtc-909	97	3	research	research	NOUN
ijtc-909	97	4	descriptive	descriptive	ADJ
ijtc-909	97	5	statistics	statistic	NOUN
ijtc-909	97	6	explanation	explanation	PROPN
ijtc-909	97	7	npl	npl	PROPN
ijtc-909	97	8	bopo	bopo	PROPN
ijtc-909	97	9	interest	interest	NOUN
ijtc-909	97	10	rate	rate	NOUN
ijtc-909	97	11	mean	mean	VERB
ijtc-909	97	12	0.489702	0.489702	NUM
ijtc-909	97	13	1.942555	1.942555	NUM
ijtc-909	97	14	0.433683	0.433683	NUM
ijtc-909	97	15	median	median	NOUN
ijtc-909	97	16	0.467607	0.467607	NUM
ijtc-909	97	17	1.941585	1.941585	NUM
ijtc-909	97	18	0.434569	0.434569	NUM
ijtc-909	97	19	maximum	maximum	NOUN
ijtc-909	97	20	1.959566	1.959566	NUM
ijtc-909	97	21	2.459181	2.459181	NUM
ijtc-909	97	22	0.741152	0.741152	NUM
ijtc-909	97	23	minimum	minimum	NOUN
ijtc-909	97	24	0.021189	0.021189	NUM
ijtc-909	97	25	1.667826	1.667826	NUM
ijtc-909	97	26	0.225309	0.225309	NUM
ijtc-909	97	27	std	std	NOUN
ijtc-909	97	28	.	.	PUNCT
ijtc-909	98	1	dev	dev	PROPN
ijtc-909	98	2	.	.	PUNCT
ijtc-909	99	1	0.281843	0.281843	NUM
ijtc-909	99	2	0.115611	0.115611	NUM
ijtc-909	99	3	0.183904	0.183904	NUM
ijtc-909	99	4	observations	observation	NOUN
ijtc-909	99	5	150	150	NUM
ijtc-909	99	6	150	150	NUM
ijtc-909	99	7	150	150	NUM
ijtc-909	99	8	source	source	NOUN
ijtc-909	99	9	:	:	PUNCT
ijtc-909	99	10	data	datum	NOUN
ijtc-909	99	11	processing	processing	NOUN
ijtc-909	99	12	results	result	NOUN
ijtc-909	99	13	,	,	PUNCT
ijtc-909	99	14	eviews	eviews	PROPN
ijtc-909	99	15	(	(	PUNCT
ijtc-909	99	16	2023	2023	NUM
ijtc-909	99	17	)	)	PUNCT
ijtc-909	99	18	based	base	VERB
ijtc-909	99	19	on	on	ADP
ijtc-909	99	20	table	table	NOUN
ijtc-909	99	21	3	3	NUM
ijtc-909	99	22	shows	show	VERB
ijtc-909	99	23	the	the	DET
ijtc-909	99	24	descriptive	descriptive	ADJ
ijtc-909	99	25	statistical	statistical	ADJ
ijtc-909	99	26	output	output	NOUN
ijtc-909	99	27	of	of	ADP
ijtc-909	99	28	research	research	NOUN
ijtc-909	99	29	variables	variable	NOUN
ijtc-909	99	30	using	use	VERB
ijtc-909	99	31	reviews	review	NOUN
ijtc-909	99	32	.	.	PUNCT
ijtc-909	100	1	the	the	DET
ijtc-909	100	2	npl	npl	PROPN
ijtc-909	100	3	variable	variable	NOUN
ijtc-909	100	4	has	have	VERB
ijtc-909	100	5	an	an	DET
ijtc-909	100	6	average	average	NOUN
ijtc-909	100	7	of	of	ADP
ijtc-909	100	8	0.49	0.49	NUM
ijtc-909	100	9	,	,	PUNCT
ijtc-909	100	10	with	with	ADP
ijtc-909	100	11	a	a	DET
ijtc-909	100	12	standard	standard	ADJ
ijtc-909	100	13	deviation	deviation	NOUN
ijtc-909	100	14	of	of	ADP
ijtc-909	100	15	0.28	0.28	NUM
ijtc-909	100	16	which	which	PRON
ijtc-909	100	17	shows	show	VERB
ijtc-909	100	18	that	that	SCONJ
ijtc-909	100	19	the	the	DET
ijtc-909	100	20	average	average	ADJ
ijtc-909	100	21	npl	npl	NOUN
ijtc-909	100	22	deviation	deviation	NOUN
ijtc-909	100	23	in	in	ADP
ijtc-909	100	24	banking	banking	NOUN
ijtc-909	100	25	is	be	AUX
ijtc-909	100	26	low	low	ADJ
ijtc-909	100	27	,	,	PUNCT
ijtc-909	100	28	thus	thus	ADV
ijtc-909	100	29	indicating	indicate	VERB
ijtc-909	100	30	good	good	ADJ
ijtc-909	100	31	results	result	NOUN
ijtc-909	100	32	because	because	SCONJ
ijtc-909	100	33	there	there	PRON
ijtc-909	100	34	are	be	VERB
ijtc-909	100	35	no	no	DET
ijtc-909	100	36	data	data	NOUN
ijtc-909	100	37	deviations	deviation	NOUN
ijtc-909	100	38	,	,	PUNCT
ijtc-909	100	39	a	a	DET
ijtc-909	100	40	maximum	maximum	ADJ
ijtc-909	100	41	value	value	NOUN
ijtc-909	100	42	of	of	ADP
ijtc-909	100	43	1.96	1.96	NUM
ijtc-909	100	44	which	which	PRON
ijtc-909	100	45	means	mean	VERB
ijtc-909	100	46	the	the	DET
ijtc-909	100	47	greatest	great	ADJ
ijtc-909	100	48	collectibility	collectibility	NOUN
ijtc-909	100	49	level	level	NOUN
ijtc-909	100	50	(	(	PUNCT
ijtc-909	100	51	problem	problem	NOUN
ijtc-909	100	52	loans	loan	NOUN
ijtc-909	100	53	)	)	PUNCT
ijtc-909	100	54	.	.	PUNCT
ijtc-909	101	1	and	and	CCONJ
ijtc-909	101	2	a	a	DET
ijtc-909	101	3	minimum	minimum	ADJ
ijtc-909	101	4	value	value	NOUN
ijtc-909	101	5	of	of	ADP
ijtc-909	101	6	0.02	0.02	NUM
ijtc-909	101	7	which	which	PRON
ijtc-909	101	8	means	mean	VERB
ijtc-909	101	9	the	the	DET
ijtc-909	101	10	lowest	low	ADJ
ijtc-909	101	11	collectability	collectability	NOUN
ijtc-909	101	12	level	level	NOUN
ijtc-909	101	13	(	(	PUNCT
ijtc-909	101	14	problem	problem	NOUN
ijtc-909	101	15	loans	loan	NOUN
ijtc-909	101	16	)	)	PUNCT
ijtc-909	101	17	.	.	PUNCT
ijtc-909	102	1	the	the	DET
ijtc-909	102	2	bopo	bopo	PROPN
ijtc-909	102	3	variable	variable	NOUN
ijtc-909	102	4	has	have	VERB
ijtc-909	102	5	an	an	DET
ijtc-909	102	6	average	average	NOUN
ijtc-909	102	7	of	of	ADP
ijtc-909	102	8	1.94	1.94	NUM
ijtc-909	102	9	,	,	PUNCT
ijtc-909	102	10	with	with	ADP
ijtc-909	102	11	a	a	DET
ijtc-909	102	12	standard	standard	ADJ
ijtc-909	102	13	deviation	deviation	NOUN
ijtc-909	102	14	of	of	ADP
ijtc-909	102	15	0.11	0.11	NUM
ijtc-909	102	16	which	which	PRON
ijtc-909	102	17	shows	show	VERB
ijtc-909	102	18	that	that	SCONJ
ijtc-909	102	19	the	the	DET
ijtc-909	102	20	average	average	ADJ
ijtc-909	102	21	bopo	bopo	NOUN
ijtc-909	102	22	deviation	deviation	NOUN
ijtc-909	102	23	in	in	ADP
ijtc-909	102	24	banking	banking	NOUN
ijtc-909	102	25	is	be	AUX
ijtc-909	102	26	low	low	ADJ
ijtc-909	102	27	,	,	PUNCT
ijtc-909	102	28	thus	thus	ADV
ijtc-909	102	29	indicating	indicate	VERB
ijtc-909	102	30	good	good	ADJ
ijtc-909	102	31	results	result	NOUN
ijtc-909	102	32	because	because	SCONJ
ijtc-909	102	33	there	there	PRON
ijtc-909	102	34	are	be	VERB
ijtc-909	102	35	no	no	DET
ijtc-909	102	36	data	data	NOUN
ijtc-909	102	37	deviations	deviation	NOUN
ijtc-909	102	38	,	,	PUNCT
ijtc-909	102	39	a	a	DET
ijtc-909	102	40	maximum	maximum	ADJ
ijtc-909	102	41	value	value	NOUN
ijtc-909	102	42	of	of	ADP
ijtc-909	102	43	2.46	2.46	NUM
ijtc-909	102	44	which	which	PRON
ijtc-909	102	45	means	mean	VERB
ijtc-909	102	46	that	that	SCONJ
ijtc-909	102	47	the	the	DET
ijtc-909	102	48	amount	amount	NOUN
ijtc-909	102	49	of	of	ADP
ijtc-909	102	50	operational	operational	ADJ
ijtc-909	102	51	costs	cost	NOUN
ijtc-909	102	52	is	be	AUX
ijtc-909	102	53	greater	great	ADJ
ijtc-909	102	54	than	than	ADP
ijtc-909	102	55	the	the	DET
ijtc-909	102	56	bank	bank	NOUN
ijtc-909	102	57	's	's	PART
ijtc-909	102	58	operating	operate	VERB
ijtc-909	102	59	income	income	NOUN
ijtc-909	102	60	,	,	PUNCT
ijtc-909	102	61	and	and	CCONJ
ijtc-909	102	62	a	a	DET
ijtc-909	102	63	minimum	minimum	ADJ
ijtc-909	102	64	value	value	NOUN
ijtc-909	102	65	of	of	ADP
ijtc-909	102	66	1.66	1.66	NUM
ijtc-909	102	67	which	which	PRON
ijtc-909	102	68	means	mean	VERB
ijtc-909	102	69	that	that	SCONJ
ijtc-909	102	70	the	the	DET
ijtc-909	102	71	amount	amount	NOUN
ijtc-909	102	72	of	of	ADP
ijtc-909	102	73	operational	operational	ADJ
ijtc-909	102	74	costs	cost	NOUN
ijtc-909	102	75	is	be	AUX
ijtc-909	102	76	less	less	ADJ
ijtc-909	102	77	than	than	ADP
ijtc-909	102	78	the	the	DET
ijtc-909	102	79	bank	bank	NOUN
ijtc-909	102	80	's	's	PART
ijtc-909	102	81	operating	operate	VERB
ijtc-909	102	82	income	income	NOUN
ijtc-909	102	83	.	.	PUNCT
ijtc-909	103	1	the	the	DET
ijtc-909	103	2	interest	interest	NOUN
ijtc-909	103	3	rate	rate	NOUN
ijtc-909	103	4	variable	variable	NOUN
ijtc-909	103	5	has	have	VERB
ijtc-909	103	6	an	an	DET
ijtc-909	103	7	average	average	NOUN
ijtc-909	103	8	of	of	ADP
ijtc-909	103	9	0.43	0.43	NUM
ijtc-909	103	10	,	,	PUNCT
ijtc-909	103	11	with	with	ADP
ijtc-909	103	12	a	a	DET
ijtc-909	103	13	standard	standard	ADJ
ijtc-909	103	14	deviation	deviation	NOUN
ijtc-909	103	15	of	of	ADP
ijtc-909	103	16	0.18	0.18	NUM
ijtc-909	103	17	which	which	PRON
ijtc-909	103	18	shows	show	VERB
ijtc-909	103	19	that	that	SCONJ
ijtc-909	103	20	the	the	DET
ijtc-909	103	21	average	average	ADJ
ijtc-909	103	22	deviation	deviation	NOUN
ijtc-909	103	23	in	in	ADP
ijtc-909	103	24	banking	banking	NOUN
ijtc-909	103	25	interest	interest	NOUN
ijtc-909	103	26	rates	rate	NOUN
ijtc-909	103	27	is	be	AUX
ijtc-909	103	28	low	low	ADJ
ijtc-909	103	29	,	,	PUNCT
ijtc-909	103	30	thus	thus	ADV
ijtc-909	103	31	indicating	indicate	VERB
ijtc-909	103	32	good	good	ADJ
ijtc-909	103	33	results	result	NOUN
ijtc-909	103	34	because	because	SCONJ
ijtc-909	103	35	there	there	PRON
ijtc-909	103	36	are	be	VERB
ijtc-909	103	37	no	no	DET
ijtc-909	103	38	data	data	NOUN
ijtc-909	103	39	deviations	deviation	NOUN
ijtc-909	103	40	a	a	DET
ijtc-909	103	41	maximum	maximum	ADJ
ijtc-909	103	42	value	value	NOUN
ijtc-909	103	43	of	of	ADP
ijtc-909	103	44	interest	interest	NOUN
ijtc-909	103	45	rate	rate	NOUN
ijtc-909	103	46	is	be	AUX
ijtc-909	103	47	0.74	0.74	NUM
ijtc-909	103	48	,	,	PUNCT
ijtc-909	103	49	and	and	CCONJ
ijtc-909	103	50	a	a	DET
ijtc-909	103	51	minimum	minimum	ADJ
ijtc-909	103	52	value	value	NOUN
ijtc-909	103	53	of	of	ADP
ijtc-909	103	54	interest	interest	NOUN
ijtc-909	103	55	rate	rate	NOUN
ijtc-909	103	56	is	be	AUX
ijtc-909	103	57	0.22	0.22	NUM
ijtc-909	103	58	.	.	PUNCT
ijtc-909	103	59	table	table	NOUN
ijtc-909	103	60	4	4	NUM
ijtc-909	103	61	t	t	NOUN
ijtc-909	103	62	-	-	PUNCT
ijtc-909	103	63	test	test	NOUN
ijtc-909	103	64	results	result	NOUN
ijtc-909	103	65	source	source	NOUN
ijtc-909	103	66	:	:	PUNCT
ijtc-909	103	67	data	datum	NOUN
ijtc-909	103	68	processing	processing	NOUN
ijtc-909	103	69	results	result	NOUN
ijtc-909	103	70	,	,	PUNCT
ijtc-909	103	71	eviews	eviews	PROPN
ijtc-909	103	72	(	(	PUNCT
ijtc-909	103	73	2023	2023	NUM
ijtc-909	103	74	)	)	PUNCT
ijtc-909	103	75	the	the	DET
ijtc-909	103	76	variable	variable	ADJ
ijtc-909	103	77	operational	operational	ADJ
ijtc-909	103	78	costs	cost	NOUN
ijtc-909	103	79	to	to	ADP
ijtc-909	103	80	operating	operate	VERB
ijtc-909	103	81	income	income	NOUN
ijtc-909	103	82	(	(	PUNCT
ijtc-909	103	83	bopo	bopo	NOUN
ijtc-909	103	84	)	)	PUNCT
ijtc-909	103	85	in	in	ADP
ijtc-909	103	86	table	table	NOUN
ijtc-909	103	87	4	4	NUM
ijtc-909	103	88	has	have	VERB
ijtc-909	103	89	a	a	DET
ijtc-909	103	90	coefficient	coefficient	NOUN
ijtc-909	103	91	value	value	NOUN
ijtc-909	103	92	of	of	ADP
ijtc-909	103	93	0.700552	0.700552	NUM
ijtc-909	103	94	and	and	CCONJ
ijtc-909	103	95	the	the	DET
ijtc-909	103	96	(	(	PUNCT
ijtc-909	103	97	t	t	PROPN
ijtc-909	103	98	)	)	PUNCT
ijtc-909	103	99	p	p	NOUN
ijtc-909	103	100	-	-	PUNCT
ijtc-909	103	101	value	value	NOUN
ijtc-909	103	102	is	be	AUX
ijtc-909	103	103	0.0000	0.0000	NUM
ijtc-909	103	104	<	<	X
ijtc-909	103	105	0.05	0.05	NUM
ijtc-909	103	106	,	,	PUNCT
ijtc-909	103	107	so	so	SCONJ
ijtc-909	103	108	it	it	PRON
ijtc-909	103	109	can	can	AUX
ijtc-909	103	110	be	be	AUX
ijtc-909	103	111	interpreted	interpret	VERB
ijtc-909	103	112	that	that	SCONJ
ijtc-909	103	113	operational	operational	ADJ
ijtc-909	103	114	costs	cost	NOUN
ijtc-909	103	115	to	to	ADP
ijtc-909	103	116	operational	operational	ADJ
ijtc-909	103	117	income	income	NOUN
ijtc-909	103	118	(	(	PUNCT
ijtc-909	103	119	bopo	bopo	NOUN
ijtc-909	103	120	)	)	PUNCT
ijtc-909	103	121	has	have	VERB
ijtc-909	103	122	a	a	DET
ijtc-909	103	123	significant	significant	ADJ
ijtc-909	103	124	positive	positive	ADJ
ijtc-909	103	125	effect	effect	NOUN
ijtc-909	103	126	on	on	ADP
ijtc-909	103	127	non	non	ADJ
ijtc-909	103	128	-	-	ADJ
ijtc-909	103	129	performing	performing	ADJ
ijtc-909	103	130	loans	loan	NOUN
ijtc-909	103	131	(	(	PUNCT
ijtc-909	103	132	npls	npls	NOUN
ijtc-909	103	133	)	)	PUNCT
ijtc-909	103	134	.	.	PUNCT
ijtc-909	104	1	the	the	DET
ijtc-909	104	2	interest	interest	NOUN
ijtc-909	104	3	rate	rate	NOUN
ijtc-909	104	4	variable	variable	NOUN
ijtc-909	104	5	in	in	ADP
ijtc-909	104	6	table	table	NOUN
ijtc-909	104	7	4	4	NUM
ijtc-909	104	8	has	have	VERB
ijtc-909	104	9	a	a	DET
ijtc-909	104	10	coefficient	coefficient	NOUN
ijtc-909	104	11	value	value	NOUN
ijtc-909	104	12	of	of	ADP
ijtc-909	104	13	0.005645	0.005645	NUM
ijtc-909	104	14	and	and	CCONJ
ijtc-909	104	15	a	a	DET
ijtc-909	104	16	(	(	PUNCT
ijtc-909	104	17	t	t	NOUN
ijtc-909	104	18	)	)	PUNCT
ijtc-909	104	19	p	p	NOUN
ijtc-909	104	20	-	-	PUNCT
ijtc-909	104	21	value	value	NOUN
ijtc-909	104	22	of	of	ADP
ijtc-909	104	23	0.9363	0.9363	NUM
ijtc-909	104	24	>	>	ADP
ijtc-909	104	25	0.05	0.05	NUM
ijtc-909	104	26	,	,	PUNCT
ijtc-909	104	27	so	so	SCONJ
ijtc-909	104	28	it	it	PRON
ijtc-909	104	29	can	can	AUX
ijtc-909	104	30	be	be	AUX
ijtc-909	104	31	interpreted	interpret	VERB
ijtc-909	104	32	that	that	SCONJ
ijtc-909	104	33	the	the	DET
ijtc-909	104	34	interest	interest	NOUN
ijtc-909	104	35	rate	rate	NOUN
ijtc-909	104	36	has	have	VERB
ijtc-909	104	37	no	no	DET
ijtc-909	104	38	significant	significant	ADJ
ijtc-909	104	39	effect	effect	NOUN
ijtc-909	104	40	on	on	ADP
ijtc-909	104	41	non	non	ADJ
ijtc-909	104	42	-	-	ADJ
ijtc-909	104	43	performing	performing	ADJ
ijtc-909	104	44	loans	loan	NOUN
ijtc-909	104	45	(	(	PUNCT
ijtc-909	104	46	npl	npl	NOUN
ijtc-909	104	47	)	)	PUNCT
ijtc-909	104	48	.	.	PUNCT
ijtc-909	105	1	variable	variable	ADJ
ijtc-909	105	2	coefficient	coefficient	NOUN
ijtc-909	105	3	std	std	PROPN
ijtc-909	105	4	.	.	NOUN
ijtc-909	105	5	error	error	NOUN
ijtc-909	105	6	t	t	NOUN
ijtc-909	105	7	-	-	PUNCT
ijtc-909	105	8	statistic	statistic	NOUN
ijtc-909	105	9	prob	prob	NOUN
ijtc-909	105	10	.	.	PUNCT
ijtc-909	106	1	c	c	PROPN
ijtc-909	106	2	0.315519	0.315519	NUM
ijtc-909	106	3	0.460084	0.460084	NUM
ijtc-909	106	4	0.685787	0.685787	NUM
ijtc-909	106	5	0.4939	0.4939	NUM
ijtc-909	106	6	bopo	bopo	NOUN
ijtc-909	106	7	0.700552	0.700552	NUM
ijtc-909	106	8	0.166622	0.166622	NUM
ijtc-909	106	9	4.204448	4.204448	NUM
ijtc-909	106	10	0.0000	0.0000	NUM
ijtc-909	106	11	sb	sb	NOUN
ijtc-909	106	12	-0.005645	-0.005645	PROPN
ijtc-909	106	13	0.070527	0.070527	NUM
ijtc-909	106	14	-0.080033	-0.080033	PROPN
ijtc-909	106	15	0.9363	0.9363	NUM
ijtc-909	106	16	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-909	106	17	the	the	DET
ijtc-909	106	18	influence	influence	NOUN
ijtc-909	106	19	of	of	ADP
ijtc-909	106	20	operational	operational	ADJ
ijtc-909	106	21	costs	cost	NOUN
ijtc-909	106	22	on	on	ADP
ijtc-909	106	23	operating	operate	VERB
ijtc-909	106	24	income	income	NOUN
ijtc-909	106	25	and	and	CCONJ
ijtc-909	106	26	interest	interest	NOUN
ijtc-909	106	27	rates	rate	NOUN
ijtc-909	106	28	on	on	ADP
ijtc-909	106	29	nonperforming	nonperforme	VERB
ijtc-909	106	30	loans	loan	NOUN
ijtc-909	106	31	in	in	ADP
ijtc-909	106	32	banking	banking	NOUN
ijtc-909	106	33	companies	company	NOUN
ijtc-909	106	34	listed	list	VERB
ijtc-909	106	35	on	on	ADP
ijtc-909	106	36	the	the	DET
ijtc-909	106	37	indonesian	indonesian	ADJ
ijtc-909	106	38	stock	stock	PROPN
ijtc-909	106	39	exchange	exchange	PROPN
ijtc-909	106	40	safitri	safitri	PROPN
ijtc-909	106	41	,	,	PUNCT
ijtc-909	106	42	sulastri	sulastri	ADJ
ijtc-909	106	43	,	,	PUNCT
ijtc-909	106	44	and	and	CCONJ
ijtc-909	106	45	andriana	andriana	NOUN
ijtc-909	106	46	777	777	NUM
ijtc-909	106	47	|	|	ADV
ijtc-909	106	48	ilomata	ilomata	PROPN
ijtc-909	106	49	international	international	ADJ
ijtc-909	106	50	journal	journal	NOUN
ijtc-909	106	51	of	of	ADP
ijtc-909	106	52	tax	tax	PROPN
ijtc-909	106	53	&	&	CCONJ
ijtc-909	106	54	accounting	accounting	PROPN
ijtc-909	106	55	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-909	106	56	the	the	DET
ijtc-909	106	57	effect	effect	NOUN
ijtc-909	106	58	of	of	ADP
ijtc-909	106	59	operational	operational	ADJ
ijtc-909	106	60	costs	cost	NOUN
ijtc-909	106	61	to	to	ADP
ijtc-909	106	62	operating	operate	VERB
ijtc-909	106	63	income	income	NOUN
ijtc-909	106	64	(	(	PUNCT
ijtc-909	106	65	bopo	bopo	NOUN
ijtc-909	106	66	)	)	PUNCT
ijtc-909	106	67	on	on	ADP
ijtc-909	106	68	non	non	ADJ
ijtc-909	106	69	-	-	ADJ
ijtc-909	106	70	performing	performing	ADJ
ijtc-909	106	71	loans	loan	NOUN
ijtc-909	106	72	(	(	PUNCT
ijtc-909	106	73	npl	npl	NOUN
ijtc-909	106	74	)	)	PUNCT
ijtc-909	106	75	the	the	DET
ijtc-909	106	76	research	research	NOUN
ijtc-909	106	77	results	result	VERB
ijtc-909	106	78	support	support	VERB
ijtc-909	106	79	the	the	DET
ijtc-909	106	80	first	first	ADJ
ijtc-909	106	81	hypothesis	hypothesis	NOUN
ijtc-909	106	82	which	which	PRON
ijtc-909	106	83	states	state	VERB
ijtc-909	106	84	that	that	SCONJ
ijtc-909	106	85	operational	operational	ADJ
ijtc-909	106	86	costs	cost	NOUN
ijtc-909	106	87	on	on	ADP
ijtc-909	106	88	operational	operational	ADJ
ijtc-909	106	89	income	income	NOUN
ijtc-909	106	90	have	have	VERB
ijtc-909	106	91	a	a	DET
ijtc-909	106	92	positive	positive	ADJ
ijtc-909	106	93	effect	effect	NOUN
ijtc-909	106	94	on	on	ADP
ijtc-909	106	95	non	non	ADJ
ijtc-909	106	96	-	-	ADJ
ijtc-909	106	97	performing	perform	VERB
ijtc-909	106	98	loans	loan	NOUN
ijtc-909	106	99	.	.	PUNCT
ijtc-909	107	1	this	this	PRON
ijtc-909	107	2	shows	show	VERB
ijtc-909	107	3	that	that	SCONJ
ijtc-909	107	4	the	the	DET
ijtc-909	107	5	panel	panel	NOUN
ijtc-909	107	6	data	data	VERB
ijtc-909	107	7	output	output	NOUN
ijtc-909	107	8	with	with	ADP
ijtc-909	107	9	a	a	DET
ijtc-909	107	10	random	random	ADJ
ijtc-909	107	11	effect	effect	NOUN
ijtc-909	107	12	model	model	NOUN
ijtc-909	107	13	on	on	ADP
ijtc-909	107	14	the	the	DET
ijtc-909	107	15	operational	operational	ADJ
ijtc-909	107	16	cost	cost	NOUN
ijtc-909	107	17	variable	variable	NOUN
ijtc-909	107	18	on	on	ADP
ijtc-909	107	19	operational	operational	ADJ
ijtc-909	107	20	income	income	NOUN
ijtc-909	107	21	has	have	VERB
ijtc-909	107	22	a	a	DET
ijtc-909	107	23	coefficient	coefficient	NOUN
ijtc-909	107	24	value	value	NOUN
ijtc-909	107	25	of0.700552and	of0.700552and	PROPN
ijtc-909	107	26	(	(	PUNCT
ijtc-909	107	27	t	t	PROPN
ijtc-909	107	28	)	)	PUNCT
ijtc-909	107	29	p	p	NOUN
ijtc-909	107	30	-	-	PUNCT
ijtc-909	107	31	value	value	NOUN
ijtc-909	107	32	is	be	AUX
ijtc-909	107	33	0.0000	0.0000	NUM
ijtc-909	107	34	<	<	X
ijtc-909	107	35	0.05	0.05	NUM
ijtc-909	107	36	,	,	PUNCT
ijtc-909	107	37	meaning	mean	VERB
ijtc-909	107	38	that	that	SCONJ
ijtc-909	107	39	operational	operational	ADJ
ijtc-909	107	40	costs	cost	NOUN
ijtc-909	107	41	on	on	ADP
ijtc-909	107	42	operational	operational	ADJ
ijtc-909	107	43	income	income	NOUN
ijtc-909	107	44	have	have	VERB
ijtc-909	107	45	a	a	DET
ijtc-909	107	46	significant	significant	ADJ
ijtc-909	107	47	positive	positive	ADJ
ijtc-909	107	48	effect	effect	NOUN
ijtc-909	107	49	on	on	ADP
ijtc-909	107	50	non	non	ADJ
ijtc-909	107	51	-	-	ADJ
ijtc-909	107	52	performing	perform	VERB
ijtc-909	107	53	loans	loan	NOUN
ijtc-909	107	54	.	.	PUNCT
ijtc-909	108	1	as	as	ADP
ijtc-909	108	2	for	for	ADP
ijtc-909	108	3	value	value	NOUN
ijtc-909	108	4	𝑅2ie	𝑅2ie	X
ijtc-909	108	5	0.455699	0.455699	NUM
ijtc-909	108	6	which	which	PRON
ijtc-909	108	7	means	mean	VERB
ijtc-909	108	8	this	this	DET
ijtc-909	108	9	variable	variable	NOUN
ijtc-909	108	10	can	can	AUX
ijtc-909	108	11	influence	influence	VERB
ijtc-909	108	12	performing	perform	VERB
ijtc-909	108	13	loans	loan	NOUN
ijtc-909	108	14	only	only	ADV
ijtc-909	108	15	45.57	45.57	NUM
ijtc-909	108	16	%	%	NOUN
ijtc-909	108	17	,	,	PUNCT
ijtc-909	108	18	the	the	DET
ijtc-909	108	19	remaining	remain	VERB
ijtc-909	108	20	54.43	54.43	NUM
ijtc-909	108	21	%	%	NOUN
ijtc-909	108	22	is	be	AUX
ijtc-909	108	23	influenced	influence	VERB
ijtc-909	108	24	by	by	ADP
ijtc-909	108	25	other	other	ADJ
ijtc-909	108	26	variables	variable	NOUN
ijtc-909	108	27	not	not	PART
ijtc-909	108	28	examined	examine	VERB
ijtc-909	108	29	in	in	ADP
ijtc-909	108	30	this	this	DET
ijtc-909	108	31	research	research	NOUN
ijtc-909	108	32	such	such	ADJ
ijtc-909	108	33	as	as	ADP
ijtc-909	108	34	reputation	reputation	NOUN
ijtc-909	108	35	.	.	PUNCT
ijtc-909	109	1	banks	bank	NOUN
ijtc-909	109	2	that	that	PRON
ijtc-909	109	3	can	can	AUX
ijtc-909	109	4	be	be	AUX
ijtc-909	109	5	effective	effective	ADJ
ijtc-909	109	6	and	and	CCONJ
ijtc-909	109	7	efficient	efficient	ADJ
ijtc-909	109	8	in	in	ADP
ijtc-909	109	9	carrying	carry	VERB
ijtc-909	109	10	out	out	ADP
ijtc-909	109	11	their	their	PRON
ijtc-909	109	12	operations	operation	NOUN
ijtc-909	109	13	are	be	AUX
ijtc-909	109	14	those	those	PRON
ijtc-909	109	15	that	that	PRON
ijtc-909	109	16	can	can	AUX
ijtc-909	109	17	minimize	minimize	VERB
ijtc-909	109	18	operational	operational	ADJ
ijtc-909	109	19	costs	cost	NOUN
ijtc-909	109	20	by	by	ADP
ijtc-909	109	21	getting	get	VERB
ijtc-909	109	22	the	the	DET
ijtc-909	109	23	maximum	maximum	ADJ
ijtc-909	109	24	operational	operational	ADJ
ijtc-909	109	25	income	income	NOUN
ijtc-909	109	26	possible	possible	ADJ
ijtc-909	109	27	.	.	PUNCT
ijtc-909	110	1	one	one	NUM
ijtc-909	110	2	source	source	NOUN
ijtc-909	110	3	of	of	ADP
ijtc-909	110	4	operational	operational	ADJ
ijtc-909	110	5	income	income	NOUN
ijtc-909	110	6	for	for	ADP
ijtc-909	110	7	banking	banking	NOUN
ijtc-909	110	8	businesses	business	NOUN
ijtc-909	110	9	is	be	AUX
ijtc-909	110	10	by	by	ADP
ijtc-909	110	11	distributing	distribute	VERB
ijtc-909	110	12	credit	credit	NOUN
ijtc-909	110	13	.	.	PUNCT
ijtc-909	111	1	if	if	SCONJ
ijtc-909	111	2	a	a	DET
ijtc-909	111	3	bank	bank	NOUN
ijtc-909	111	4	wants	want	VERB
ijtc-909	111	5	to	to	PART
ijtc-909	111	6	get	get	VERB
ijtc-909	111	7	a	a	DET
ijtc-909	111	8	large	large	ADJ
ijtc-909	111	9	income	income	NOUN
ijtc-909	111	10	,	,	PUNCT
ijtc-909	111	11	of	of	ADP
ijtc-909	111	12	course	course	NOUN
ijtc-909	111	13	,	,	PUNCT
ijtc-909	111	14	one	one	NUM
ijtc-909	111	15	way	way	NOUN
ijtc-909	111	16	is	be	AUX
ijtc-909	111	17	to	to	PART
ijtc-909	111	18	distribute	distribute	VERB
ijtc-909	111	19	large	large	ADJ
ijtc-909	111	20	amounts	amount	NOUN
ijtc-909	111	21	of	of	ADP
ijtc-909	111	22	credit	credit	NOUN
ijtc-909	111	23	.	.	PUNCT
ijtc-909	112	1	disbursing	disburse	VERB
ijtc-909	112	2	large	large	ADJ
ijtc-909	112	3	amounts	amount	NOUN
ijtc-909	112	4	of	of	ADP
ijtc-909	112	5	credit	credit	NOUN
ijtc-909	112	6	can	can	AUX
ijtc-909	112	7	result	result	VERB
ijtc-909	112	8	in	in	ADP
ijtc-909	112	9	the	the	DET
ijtc-909	112	10	possibility	possibility	NOUN
ijtc-909	112	11	that	that	SCONJ
ijtc-909	112	12	banks	bank	NOUN
ijtc-909	112	13	will	will	AUX
ijtc-909	112	14	experience	experience	VERB
ijtc-909	112	15	the	the	DET
ijtc-909	112	16	risk	risk	NOUN
ijtc-909	112	17	of	of	ADP
ijtc-909	112	18	bad	bad	ADJ
ijtc-909	112	19	credit	credit	NOUN
ijtc-909	112	20	(	(	PUNCT
ijtc-909	112	21	suryani	suryani	X
ijtc-909	112	22	et	et	PROPN
ijtc-909	112	23	al	al	PROPN
ijtc-909	112	24	.	.	PROPN
ijtc-909	112	25	,	,	PUNCT
ijtc-909	112	26	2021	2021	NUM
ijtc-909	112	27	)	)	PUNCT
ijtc-909	112	28	.	.	PUNCT
ijtc-909	113	1	in	in	ADP
ijtc-909	113	2	reality	reality	NOUN
ijtc-909	113	3	,	,	PUNCT
ijtc-909	113	4	there	there	PRON
ijtc-909	113	5	is	be	VERB
ijtc-909	113	6	uncertainty	uncertainty	NOUN
ijtc-909	113	7	related	relate	VERB
ijtc-909	113	8	to	to	ADP
ijtc-909	113	9	banking	banking	NOUN
ijtc-909	113	10	business	business	NOUN
ijtc-909	113	11	activities	activity	NOUN
ijtc-909	113	12	or	or	CCONJ
ijtc-909	113	13	banking	banking	NOUN
ijtc-909	113	14	operational	operational	ADJ
ijtc-909	113	15	activities	activity	NOUN
ijtc-909	113	16	where	where	SCONJ
ijtc-909	113	17	losses	loss	NOUN
ijtc-909	113	18	are	be	AUX
ijtc-909	113	19	likely	likely	ADJ
ijtc-909	113	20	to	to	PART
ijtc-909	113	21	occur	occur	VERB
ijtc-909	113	22	,	,	PUNCT
ijtc-909	113	23	causing	cause	VERB
ijtc-909	113	24	a	a	DET
ijtc-909	113	25	reduction	reduction	NOUN
ijtc-909	113	26	in	in	ADP
ijtc-909	113	27	profits	profit	NOUN
ijtc-909	113	28	that	that	PRON
ijtc-909	113	29	can	can	AUX
ijtc-909	113	30	be	be	AUX
ijtc-909	113	31	obtained	obtain	VERB
ijtc-909	113	32	by	by	ADP
ijtc-909	113	33	the	the	DET
ijtc-909	113	34	bank	bank	PROPN
ijtc-909	113	35	(	(	PUNCT
ijtc-909	113	36	mattunruang	mattunruang	PROPN
ijtc-909	113	37	&	&	CCONJ
ijtc-909	113	38	a.	a.	PROPN
ijtc-909	113	39	,	,	PUNCT
ijtc-909	113	40	2023	2023	NUM
ijtc-909	113	41	)	)	PUNCT
ijtc-909	113	42	.	.	PUNCT
ijtc-909	114	1	a	a	DET
ijtc-909	114	2	higher	high	ADJ
ijtc-909	114	3	bopo	bopo	NOUN
ijtc-909	114	4	ratio	ratio	NOUN
ijtc-909	114	5	indicates	indicate	VERB
ijtc-909	114	6	that	that	SCONJ
ijtc-909	114	7	the	the	DET
ijtc-909	114	8	operational	operational	ADJ
ijtc-909	114	9	costs	cost	NOUN
ijtc-909	114	10	incurred	incur	VERB
ijtc-909	114	11	are	be	AUX
ijtc-909	114	12	not	not	PART
ijtc-909	114	13	used	use	VERB
ijtc-909	114	14	efficiently	efficiently	ADV
ijtc-909	114	15	.	.	PUNCT
ijtc-909	115	1	bank	bank	NOUN
ijtc-909	115	2	inefficiency	inefficiency	NOUN
ijtc-909	115	3	occurs	occur	VERB
ijtc-909	115	4	due	due	ADJ
ijtc-909	115	5	to	to	ADP
ijtc-909	115	6	the	the	DET
ijtc-909	115	7	low	low	ADJ
ijtc-909	115	8	quality	quality	NOUN
ijtc-909	115	9	of	of	ADP
ijtc-909	115	10	management	management	NOUN
ijtc-909	115	11	so	so	SCONJ
ijtc-909	115	12	that	that	SCONJ
ijtc-909	115	13	supervision	supervision	NOUN
ijtc-909	115	14	and	and	CCONJ
ijtc-909	115	15	control	control	NOUN
ijtc-909	115	16	are	be	AUX
ijtc-909	115	17	not	not	PART
ijtc-909	115	18	carried	carry	VERB
ijtc-909	115	19	out	out	ADP
ijtc-909	115	20	properly	properly	ADV
ijtc-909	115	21	which	which	PRON
ijtc-909	115	22	will	will	AUX
ijtc-909	115	23	result	result	VERB
ijtc-909	115	24	in	in	ADP
ijtc-909	115	25	a	a	DET
ijtc-909	115	26	poor	poor	ADJ
ijtc-909	115	27	credit	credit	NOUN
ijtc-909	115	28	management	management	NOUN
ijtc-909	115	29	process	process	NOUN
ijtc-909	115	30	which	which	PRON
ijtc-909	115	31	can	can	AUX
ijtc-909	115	32	increase	increase	VERB
ijtc-909	115	33	npl	npl	PROPN
ijtc-909	115	34	(	(	PUNCT
ijtc-909	115	35	wardani	wardani	PROPN
ijtc-909	115	36	et	et	PROPN
ijtc-909	115	37	al	al	PROPN
ijtc-909	115	38	.	.	PROPN
ijtc-909	115	39	,	,	PUNCT
ijtc-909	115	40	2021b	2021b	NUM
ijtc-909	115	41	)	)	PUNCT
ijtc-909	115	42	.	.	PUNCT
ijtc-909	116	1	the	the	DET
ijtc-909	116	2	results	result	NOUN
ijtc-909	116	3	of	of	ADP
ijtc-909	116	4	this	this	DET
ijtc-909	116	5	research	research	NOUN
ijtc-909	116	6	are	be	AUX
ijtc-909	116	7	in	in	ADP
ijtc-909	116	8	line	line	NOUN
ijtc-909	116	9	with	with	ADP
ijtc-909	116	10	research	research	NOUN
ijtc-909	116	11	conducted	conduct	VERB
ijtc-909	116	12	by	by	ADP
ijtc-909	116	13	(	(	PUNCT
ijtc-909	116	14	cahyono	cahyono	PROPN
ijtc-909	116	15	et	et	PROPN
ijtc-909	116	16	al	al	PROPN
ijtc-909	116	17	.	.	PROPN
ijtc-909	116	18	,	,	PUNCT
ijtc-909	116	19	2022	2022	NUM
ijtc-909	116	20	;	;	PUNCT
ijtc-909	116	21	mattunruang	mattunruang	PROPN
ijtc-909	116	22	&	&	CCONJ
ijtc-909	116	23	a.	a.	PROPN
ijtc-909	116	24	,	,	PUNCT
ijtc-909	116	25	2023	2023	NUM
ijtc-909	116	26	;	;	PUNCT
ijtc-909	116	27	suryani	suryani	NOUN
ijtc-909	116	28	et	et	PROPN
ijtc-909	116	29	al	al	PROPN
ijtc-909	116	30	.	.	PROPN
ijtc-909	116	31	,	,	PUNCT
ijtc-909	116	32	2021	2021	NUM
ijtc-909	116	33	;	;	PUNCT
ijtc-909	116	34	wardani	wardani	PROPN
ijtc-909	116	35	et	et	PROPN
ijtc-909	116	36	al	al	PROPN
ijtc-909	116	37	.	.	PROPN
ijtc-909	116	38	,	,	PUNCT
ijtc-909	116	39	2021b	2021b	NUM
ijtc-909	116	40	)	)	PUNCT
ijtc-909	116	41	which	which	PRON
ijtc-909	116	42	shows	show	VERB
ijtc-909	116	43	the	the	DET
ijtc-909	116	44	results	result	NOUN
ijtc-909	116	45	that	that	PRON
ijtc-909	116	46	bopo	bopo	NOUN
ijtc-909	116	47	has	have	VERB
ijtc-909	116	48	a	a	DET
ijtc-909	116	49	positive	positive	ADJ
ijtc-909	116	50	effect	effect	NOUN
ijtc-909	116	51	on	on	ADP
ijtc-909	116	52	nonperforming	nonperforme	VERB
ijtc-909	116	53	loans	loan	NOUN
ijtc-909	116	54	.	.	PUNCT
ijtc-909	117	1	the	the	DET
ijtc-909	117	2	effect	effect	NOUN
ijtc-909	117	3	of	of	ADP
ijtc-909	117	4	interest	interest	NOUN
ijtc-909	117	5	rates	rate	NOUN
ijtc-909	117	6	on	on	ADP
ijtc-909	117	7	non	non	ADJ
ijtc-909	117	8	-	-	ADJ
ijtc-909	117	9	performing	performing	ADJ
ijtc-909	117	10	loans	loan	NOUN
ijtc-909	117	11	(	(	PUNCT
ijtc-909	117	12	npl	npl	NOUN
ijtc-909	117	13	)	)	PUNCT
ijtc-909	117	14	the	the	DET
ijtc-909	117	15	research	research	NOUN
ijtc-909	117	16	results	result	NOUN
ijtc-909	117	17	do	do	AUX
ijtc-909	117	18	not	not	PART
ijtc-909	117	19	support	support	VERB
ijtc-909	117	20	the	the	DET
ijtc-909	117	21	second	second	ADJ
ijtc-909	117	22	hypothesis	hypothesis	NOUN
ijtc-909	117	23	which	which	PRON
ijtc-909	117	24	states	state	VERB
ijtc-909	117	25	that	that	SCONJ
ijtc-909	117	26	interest	interest	NOUN
ijtc-909	117	27	rates	rate	NOUN
ijtc-909	117	28	have	have	VERB
ijtc-909	117	29	a	a	DET
ijtc-909	117	30	positive	positive	ADJ
ijtc-909	117	31	effect	effect	NOUN
ijtc-909	117	32	on	on	ADP
ijtc-909	117	33	non	non	ADJ
ijtc-909	117	34	-	-	ADJ
ijtc-909	117	35	performing	perform	VERB
ijtc-909	117	36	loans	loan	NOUN
ijtc-909	117	37	.	.	PUNCT
ijtc-909	118	1	this	this	PRON
ijtc-909	118	2	shows	show	VERB
ijtc-909	118	3	that	that	SCONJ
ijtc-909	118	4	the	the	DET
ijtc-909	118	5	panel	panel	NOUN
ijtc-909	118	6	data	data	VERB
ijtc-909	118	7	output	output	NOUN
ijtc-909	118	8	with	with	ADP
ijtc-909	118	9	the	the	DET
ijtc-909	118	10	random	random	ADJ
ijtc-909	118	11	effect	effect	NOUN
ijtc-909	118	12	model	model	NOUN
ijtc-909	118	13	on	on	ADP
ijtc-909	118	14	the	the	DET
ijtc-909	118	15	interest	interest	NOUN
ijtc-909	118	16	rate	rate	NOUN
ijtc-909	118	17	variable	variable	NOUN
ijtc-909	118	18	in	in	ADP
ijtc-909	118	19	table	table	NOUN
ijtc-909	118	20	4	4	NUM
ijtc-909	118	21	has	have	VERB
ijtc-909	118	22	a	a	DET
ijtc-909	118	23	coefficient	coefficient	NOUN
ijtc-909	118	24	value	value	NOUN
ijtc-909	118	25	of	of	ADP
ijtc-909	118	26	0.005645	0.005645	NUM
ijtc-909	118	27	,	,	PUNCT
ijtc-909	118	28	and	and	CCONJ
ijtc-909	118	29	(	(	PUNCT
ijtc-909	118	30	t	t	NOUN
ijtc-909	118	31	)	)	PUNCT
ijtc-909	118	32	pvalue	pvalue	NOUN
ijtc-909	118	33	is	be	AUX
ijtc-909	118	34	0.9363	0.9363	NUM
ijtc-909	118	35	>	>	ADP
ijtc-909	118	36	0.05	0.05	NUM
ijtc-909	118	37	,	,	PUNCT
ijtc-909	118	38	so	so	SCONJ
ijtc-909	118	39	it	it	PRON
ijtc-909	118	40	can	can	AUX
ijtc-909	118	41	be	be	AUX
ijtc-909	118	42	interpreted	interpret	VERB
ijtc-909	118	43	that	that	SCONJ
ijtc-909	118	44	interest	interest	NOUN
ijtc-909	118	45	rates	rate	NOUN
ijtc-909	118	46	do	do	AUX
ijtc-909	118	47	not	not	PART
ijtc-909	118	48	affect	affect	VERB
ijtc-909	118	49	non	non	ADJ
ijtc-909	118	50	-	-	ADJ
ijtc-909	118	51	performing	perform	VERB
ijtc-909	118	52	loans	loan	NOUN
ijtc-909	118	53	.	.	PUNCT
ijtc-909	119	1	as	as	ADP
ijtc-909	119	2	for	for	ADP
ijtc-909	119	3	value	value	NOUN
ijtc-909	119	4	𝑅2	𝑅2	NOUN
ijtc-909	119	5	ie	ie	X
ijtc-909	119	6	0.455699	0.455699	NUM
ijtc-909	119	7	which	which	PRON
ijtc-909	119	8	means	mean	VERB
ijtc-909	119	9	this	this	DET
ijtc-909	119	10	variable	variable	NOUN
ijtc-909	119	11	can	can	AUX
ijtc-909	119	12	influence	influence	VERB
ijtc-909	119	13	performing	perform	VERB
ijtc-909	119	14	loans	loan	NOUN
ijtc-909	119	15	only	only	ADV
ijtc-909	119	16	45.57	45.57	NUM
ijtc-909	119	17	%	%	NOUN
ijtc-909	119	18	,	,	PUNCT
ijtc-909	119	19	the	the	DET
ijtc-909	119	20	remaining	remain	VERB
ijtc-909	119	21	54.43	54.43	NUM
ijtc-909	119	22	%	%	NOUN
ijtc-909	119	23	is	be	AUX
ijtc-909	119	24	influenced	influence	VERB
ijtc-909	119	25	by	by	ADP
ijtc-909	119	26	other	other	ADJ
ijtc-909	119	27	variables	variable	NOUN
ijtc-909	119	28	not	not	PART
ijtc-909	119	29	examined	examine	VERB
ijtc-909	119	30	in	in	ADP
ijtc-909	119	31	this	this	DET
ijtc-909	119	32	research	research	NOUN
ijtc-909	119	33	,	,	PUNCT
ijtc-909	119	34	such	such	ADJ
ijtc-909	119	35	as	as	ADP
ijtc-909	119	36	the	the	DET
ijtc-909	119	37	rupiah	rupiah	PROPN
ijtc-909	119	38	exchange	exchange	NOUN
ijtc-909	119	39	rate	rate	NOUN
ijtc-909	119	40	.	.	PUNCT
ijtc-909	120	1	interest	interest	NOUN
ijtc-909	120	2	rates	rate	NOUN
ijtc-909	120	3	have	have	VERB
ijtc-909	120	4	no	no	DET
ijtc-909	120	5	effect	effect	NOUN
ijtc-909	120	6	because	because	SCONJ
ijtc-909	120	7	the	the	DET
ijtc-909	120	8	influence	influence	NOUN
ijtc-909	120	9	caused	cause	VERB
ijtc-909	120	10	by	by	ADP
ijtc-909	120	11	interest	interest	NOUN
ijtc-909	120	12	rates	rate	NOUN
ijtc-909	120	13	does	do	AUX
ijtc-909	120	14	not	not	PART
ijtc-909	120	15	increase	increase	VERB
ijtc-909	120	16	or	or	CCONJ
ijtc-909	120	17	decrease	decrease	VERB
ijtc-909	120	18	npl	npl	VERB
ijtc-909	120	19	directly	directly	ADV
ijtc-909	120	20	.	.	PUNCT
ijtc-909	121	1	because	because	SCONJ
ijtc-909	121	2	the	the	DET
ijtc-909	121	3	decline	decline	NOUN
ijtc-909	121	4	in	in	ADP
ijtc-909	121	5	npls	npls	NOUN
ijtc-909	121	6	is	be	AUX
ijtc-909	121	7	not	not	PART
ijtc-909	121	8	influenced	influence	VERB
ijtc-909	121	9	only	only	ADV
ijtc-909	121	10	by	by	ADP
ijtc-909	121	11	reducing	reduce	VERB
ijtc-909	121	12	interest	interest	NOUN
ijtc-909	121	13	rates	rate	NOUN
ijtc-909	121	14	,	,	PUNCT
ijtc-909	121	15	but	but	CCONJ
ijtc-909	121	16	rather	rather	ADV
ijtc-909	121	17	by	by	ADP
ijtc-909	121	18	handling	handle	VERB
ijtc-909	121	19	credit	credit	NOUN
ijtc-909	121	20	risk	risk	NOUN
ijtc-909	121	21	management	management	NOUN
ijtc-909	121	22	(	(	PUNCT
ijtc-909	121	23	syahid	syahid	NOUN
ijtc-909	121	24	,	,	PUNCT
ijtc-909	121	25	2016	2016	NUM
ijtc-909	121	26	)	)	PUNCT
ijtc-909	121	27	.	.	PUNCT
ijtc-909	122	1	this	this	PRON
ijtc-909	122	2	happens	happen	VERB
ijtc-909	122	3	because	because	SCONJ
ijtc-909	122	4	interest	interest	NOUN
ijtc-909	122	5	rates	rate	NOUN
ijtc-909	122	6	can	can	AUX
ijtc-909	122	7	put	put	VERB
ijtc-909	122	8	pressure	pressure	NOUN
ijtc-909	122	9	on	on	ADP
ijtc-909	122	10	customers	customer	NOUN
ijtc-909	122	11	who	who	PRON
ijtc-909	122	12	borrow	borrow	VERB
ijtc-909	122	13	funds	fund	NOUN
ijtc-909	122	14	from	from	ADP
ijtc-909	122	15	banks	bank	NOUN
ijtc-909	122	16	.	.	PUNCT
ijtc-909	123	1	after	after	ADV
ijtc-909	123	2	all	all	ADV
ijtc-909	123	3	,	,	PUNCT
ijtc-909	123	4	with	with	ADP
ijtc-909	123	5	high	high	ADJ
ijtc-909	123	6	-	-	PUNCT
ijtc-909	123	7	interest	interest	NOUN
ijtc-909	123	8	rates	rate	NOUN
ijtc-909	123	9	,	,	PUNCT
ijtc-909	123	10	only	only	ADV
ijtc-909	123	11	customers	customer	NOUN
ijtc-909	123	12	can	can	AUX
ijtc-909	123	13	borrow	borrow	VERB
ijtc-909	123	14	and	and	CCONJ
ijtc-909	123	15	repay	repay	VERB
ijtc-909	123	16	at	at	ADP
ijtc-909	123	17	that	that	DET
ijtc-909	123	18	interest	interest	NOUN
ijtc-909	123	19	rate	rate	NOUN
ijtc-909	123	20	.	.	PUNCT
ijtc-909	124	1	however	however	ADV
ijtc-909	124	2	,	,	PUNCT
ijtc-909	124	3	demand	demand	NOUN
ijtc-909	124	4	for	for	ADP
ijtc-909	124	5	bank	bank	NOUN
ijtc-909	124	6	credit	credit	NOUN
ijtc-909	124	7	will	will	AUX
ijtc-909	124	8	decrease	decrease	VERB
ijtc-909	124	9	because	because	SCONJ
ijtc-909	124	10	customers	customer	NOUN
ijtc-909	124	11	prefer	prefer	VERB
ijtc-909	124	12	to	to	PART
ijtc-909	124	13	borrow	borrow	VERB
ijtc-909	124	14	from	from	ADP
ijtc-909	124	15	other	other	ADJ
ijtc-909	124	16	than	than	ADP
ijtc-909	124	17	banks	bank	NOUN
ijtc-909	124	18	such	such	ADJ
ijtc-909	124	19	as	as	ADP
ijtc-909	124	20	cooperatives	cooperative	NOUN
ijtc-909	124	21	,	,	PUNCT
ijtc-909	124	22	and	and	CCONJ
ijtc-909	124	23	in	in	ADP
ijtc-909	124	24	the	the	DET
ijtc-909	124	25	end	end	NOUN
ijtc-909	124	26	,	,	PUNCT
ijtc-909	124	27	non	non	ADJ
ijtc-909	124	28	-	-	ADJ
ijtc-909	124	29	performing	performing	ADJ
ijtc-909	124	30	loans	loan	NOUN
ijtc-909	124	31	will	will	AUX
ijtc-909	124	32	decrease	decrease	VERB
ijtc-909	124	33	.	.	PUNCT
ijtc-909	125	1	this	this	PRON
ijtc-909	125	2	shows	show	VERB
ijtc-909	125	3	that	that	SCONJ
ijtc-909	125	4	increasing	increase	VERB
ijtc-909	125	5	interest	interest	NOUN
ijtc-909	125	6	rates	rate	NOUN
ijtc-909	125	7	will	will	AUX
ijtc-909	125	8	limit	limit	VERB
ijtc-909	125	9	the	the	DET
ijtc-909	125	10	rate	rate	NOUN
ijtc-909	125	11	of	of	ADP
ijtc-909	125	12	non	non	ADJ
ijtc-909	125	13	-	-	ADJ
ijtc-909	125	14	performing	performing	ADJ
ijtc-909	125	15	loans	loan	NOUN
ijtc-909	125	16	at	at	ADP
ijtc-909	125	17	commercial	commercial	ADJ
ijtc-909	125	18	banks	bank	NOUN
ijtc-909	125	19	in	in	ADP
ijtc-909	125	20	indonesia	indonesia	PROPN
ijtc-909	125	21	(	(	PUNCT
ijtc-909	125	22	zariyawat	zariyawat	PROPN
ijtc-909	125	23	,	,	PUNCT
ijtc-909	125	24	2021	2021	NUM
ijtc-909	125	25	)	)	PUNCT
ijtc-909	125	26	the	the	DET
ijtc-909	125	27	results	result	VERB
ijtc-909	125	28	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	VERB
ijtc-909	125	29	the	the	DET
ijtc-909	125	30	influence	influence	NOUN
ijtc-909	125	31	of	of	ADP
ijtc-909	125	32	operational	operational	ADJ
ijtc-909	125	33	costs	cost	NOUN
ijtc-909	125	34	on	on	ADP
ijtc-909	125	35	operating	operate	VERB
ijtc-909	125	36	income	income	NOUN
ijtc-909	125	37	and	and	CCONJ
ijtc-909	125	38	interest	interest	NOUN
ijtc-909	125	39	rates	rate	NOUN
ijtc-909	125	40	on	on	ADP
ijtc-909	125	41	nonperforming	nonperforme	VERB
ijtc-909	125	42	loans	loan	NOUN
ijtc-909	125	43	in	in	ADP
ijtc-909	125	44	banking	banking	NOUN
ijtc-909	125	45	companies	company	NOUN
ijtc-909	125	46	listed	list	VERB
ijtc-909	125	47	on	on	ADP
ijtc-909	125	48	the	the	DET
ijtc-909	125	49	indonesian	indonesian	ADJ
ijtc-909	125	50	stock	stock	PROPN
ijtc-909	125	51	exchange	exchange	PROPN
ijtc-909	125	52	safitri	safitri	PROPN
ijtc-909	125	53	,	,	PUNCT
ijtc-909	125	54	sulastri	sulastri	ADJ
ijtc-909	125	55	,	,	PUNCT
ijtc-909	125	56	and	and	CCONJ
ijtc-909	125	57	andriana	andriana	NOUN
ijtc-909	125	58	778	778	NUM
ijtc-909	125	59	|	|	ADV
ijtc-909	125	60	ilomata	ilomata	PROPN
ijtc-909	125	61	international	international	ADJ
ijtc-909	125	62	journal	journal	NOUN
ijtc-909	125	63	of	of	ADP
ijtc-909	125	64	tax	tax	PROPN
ijtc-909	125	65	&	&	CCONJ
ijtc-909	125	66	accounting	accounting	PROPN
ijtc-909	125	67	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-909	125	68	of	of	ADP
ijtc-909	125	69	this	this	DET
ijtc-909	125	70	research	research	NOUN
ijtc-909	125	71	are	be	AUX
ijtc-909	125	72	in	in	ADP
ijtc-909	125	73	line	line	NOUN
ijtc-909	125	74	with	with	ADP
ijtc-909	125	75	research	research	NOUN
ijtc-909	125	76	conducted	conduct	VERB
ijtc-909	125	77	by	by	ADP
ijtc-909	125	78	(	(	PUNCT
ijtc-909	125	79	dao	dao	NOUN
ijtc-909	125	80	et	et	PROPN
ijtc-909	125	81	al	al	PROPN
ijtc-909	125	82	.	.	PROPN
ijtc-909	125	83	,	,	PUNCT
ijtc-909	125	84	2020	2020	NUM
ijtc-909	125	85	;	;	PUNCT
ijtc-909	125	86	zariyawati1	zariyawati1	PROPN
ijtc-909	125	87	et	et	PROPN
ijtc-909	125	88	al	al	PROPN
ijtc-909	125	89	.	.	PROPN
ijtc-909	125	90	,	,	PUNCT
ijtc-909	125	91	2021	2021	NUM
ijtc-909	125	92	)	)	PUNCT
ijtc-909	125	93	showing	show	VERB
ijtc-909	125	94	the	the	DET
ijtc-909	125	95	results	result	NOUN
ijtc-909	125	96	that	that	SCONJ
ijtc-909	125	97	interest	interest	NOUN
ijtc-909	125	98	rates	rate	NOUN
ijtc-909	125	99	do	do	AUX
ijtc-909	125	100	not	not	PART
ijtc-909	125	101	affect	affect	VERB
ijtc-909	125	102	non	non	ADJ
ijtc-909	125	103	-	-	ADJ
ijtc-909	125	104	performing	perform	VERB
ijtc-909	125	105	loans	loan	NOUN
ijtc-909	125	106	.	.	PUNCT
ijtc-909	126	1	conclusion	conclusion	NOUN
ijtc-909	126	2	operational	operational	ADJ
ijtc-909	126	3	costs	cost	NOUN
ijtc-909	126	4	on	on	ADP
ijtc-909	126	5	operational	operational	ADJ
ijtc-909	126	6	income	income	NOUN
ijtc-909	126	7	have	have	VERB
ijtc-909	126	8	a	a	DET
ijtc-909	126	9	significant	significant	ADJ
ijtc-909	126	10	positive	positive	ADJ
ijtc-909	126	11	effect	effect	NOUN
ijtc-909	126	12	on	on	ADP
ijtc-909	126	13	non	non	ADJ
ijtc-909	126	14	-	-	ADJ
ijtc-909	126	15	performing	performing	ADJ
ijtc-909	126	16	loans	loan	NOUN
ijtc-909	126	17	in	in	ADP
ijtc-909	126	18	banking	banking	NOUN
ijtc-909	126	19	companies	company	NOUN
ijtc-909	126	20	listed	list	VERB
ijtc-909	126	21	on	on	ADP
ijtc-909	126	22	the	the	DET
ijtc-909	126	23	indonesia	indonesia	PROPN
ijtc-909	126	24	stock	stock	PROPN
ijtc-909	126	25	exchange	exchange	PROPN
ijtc-909	126	26	.	.	PUNCT
ijtc-909	127	1	interest	interest	NOUN
ijtc-909	127	2	rates	rate	NOUN
ijtc-909	127	3	have	have	VERB
ijtc-909	127	4	no	no	DET
ijtc-909	127	5	effect	effect	NOUN
ijtc-909	127	6	on	on	ADP
ijtc-909	127	7	non	non	ADJ
ijtc-909	127	8	-	-	ADJ
ijtc-909	127	9	performing	performing	ADJ
ijtc-909	127	10	loans	loan	NOUN
ijtc-909	127	11	in	in	ADP
ijtc-909	127	12	banking	banking	NOUN
ijtc-909	127	13	companies	company	NOUN
ijtc-909	127	14	listed	list	VERB
ijtc-909	127	15	on	on	ADP
ijtc-909	127	16	the	the	DET
ijtc-909	127	17	indonesia	indonesia	PROPN
ijtc-909	127	18	stock	stock	PROPN
ijtc-909	127	19	exchange	exchange	PROPN
ijtc-909	127	20	.	.	PUNCT
ijtc-909	128	1	the	the	DET
ijtc-909	128	2	practical	practical	ADJ
ijtc-909	128	3	implications	implication	NOUN
ijtc-909	128	4	in	in	ADP
ijtc-909	128	5	this	this	DET
ijtc-909	128	6	research	research	NOUN
ijtc-909	128	7	can	can	AUX
ijtc-909	128	8	cover	cover	VERB
ijtc-909	128	9	three	three	NUM
ijtc-909	128	10	aspects	aspect	NOUN
ijtc-909	128	11	,	,	PUNCT
ijtc-909	128	12	namely	namely	ADV
ijtc-909	128	13	practical	practical	ADJ
ijtc-909	128	14	implications	implication	NOUN
ijtc-909	128	15	for	for	ADP
ijtc-909	128	16	customers	customer	NOUN
ijtc-909	128	17	,	,	PUNCT
ijtc-909	128	18	debtors	debtor	NOUN
ijtc-909	128	19	and	and	CCONJ
ijtc-909	128	20	banks	bank	NOUN
ijtc-909	128	21	.	.	PUNCT
ijtc-909	129	1	for	for	ADP
ijtc-909	129	2	customers	customer	NOUN
ijtc-909	129	3	,	,	PUNCT
ijtc-909	129	4	always	always	ADV
ijtc-909	129	5	be	be	AUX
ijtc-909	129	6	careful	careful	ADJ
ijtc-909	129	7	when	when	SCONJ
ijtc-909	129	8	saving	save	VERB
ijtc-909	129	9	funds	fund	NOUN
ijtc-909	129	10	,	,	PUNCT
ijtc-909	129	11	investing	invest	VERB
ijtc-909	129	12	and	and	CCONJ
ijtc-909	129	13	making	make	VERB
ijtc-909	129	14	credit	credit	NOUN
ijtc-909	129	15	loans	loan	NOUN
ijtc-909	129	16	.	.	PUNCT
ijtc-909	130	1	based	base	VERB
ijtc-909	130	2	on	on	ADP
ijtc-909	130	3	this	this	DET
ijtc-909	130	4	research	research	NOUN
ijtc-909	130	5	,	,	PUNCT
ijtc-909	130	6	customers	customer	NOUN
ijtc-909	130	7	can	can	AUX
ijtc-909	130	8	conduct	conduct	VERB
ijtc-909	130	9	an	an	DET
ijtc-909	130	10	analysis	analysis	NOUN
ijtc-909	130	11	of	of	ADP
ijtc-909	130	12	operational	operational	ADJ
ijtc-909	130	13	cost	cost	NOUN
ijtc-909	130	14	variables	variable	NOUN
ijtc-909	130	15	on	on	ADP
ijtc-909	130	16	operational	operational	ADJ
ijtc-909	130	17	income	income	NOUN
ijtc-909	130	18	and	and	CCONJ
ijtc-909	130	19	interest	interest	NOUN
ijtc-909	130	20	rates	rate	NOUN
ijtc-909	130	21	.	.	PUNCT
ijtc-909	131	1	in	in	ADP
ijtc-909	131	2	looking	look	VERB
ijtc-909	131	3	at	at	ADP
ijtc-909	131	4	which	which	PRON
ijtc-909	131	5	banks	bank	NOUN
ijtc-909	131	6	have	have	VERB
ijtc-909	131	7	the	the	DET
ijtc-909	131	8	highest	high	ADJ
ijtc-909	131	9	nonperforming	nonperforming	ADJ
ijtc-909	131	10	credit	credit	NOUN
ijtc-909	131	11	scores	score	NOUN
ijtc-909	131	12	,	,	PUNCT
ijtc-909	131	13	npls	npls	PROPN
ijtc-909	131	14	affect	affect	VERB
ijtc-909	131	15	the	the	DET
ijtc-909	131	16	bank	bank	NOUN
ijtc-909	131	17	's	's	PART
ijtc-909	131	18	health	health	NOUN
ijtc-909	131	19	and	and	CCONJ
ijtc-909	131	20	operational	operational	ADJ
ijtc-909	131	21	activities	activity	NOUN
ijtc-909	131	22	in	in	ADP
ijtc-909	131	23	the	the	DET
ijtc-909	131	24	future	future	NOUN
ijtc-909	131	25	.	.	PUNCT
ijtc-909	132	1	so	so	SCONJ
ijtc-909	132	2	that	that	SCONJ
ijtc-909	132	3	customers	customer	NOUN
ijtc-909	132	4	have	have	VERB
ijtc-909	132	5	a	a	DET
ijtc-909	132	6	greater	great	ADJ
ijtc-909	132	7	sense	sense	NOUN
ijtc-909	132	8	of	of	ADP
ijtc-909	132	9	security	security	NOUN
ijtc-909	132	10	when	when	SCONJ
ijtc-909	132	11	making	make	VERB
ijtc-909	132	12	transactions	transaction	NOUN
ijtc-909	132	13	at	at	ADP
ijtc-909	132	14	the	the	DET
ijtc-909	132	15	bank	bank	NOUN
ijtc-909	132	16	.	.	PUNCT
ijtc-909	133	1	for	for	ADP
ijtc-909	133	2	debtors	debtor	NOUN
ijtc-909	133	3	,	,	PUNCT
ijtc-909	133	4	debtors	debtor	NOUN
ijtc-909	133	5	need	need	VERB
ijtc-909	133	6	to	to	PART
ijtc-909	133	7	have	have	VERB
ijtc-909	133	8	the	the	DET
ijtc-909	133	9	ability	ability	NOUN
ijtc-909	133	10	to	to	PART
ijtc-909	133	11	analyze	analyze	VERB
ijtc-909	133	12	the	the	DET
ijtc-909	133	13	extent	extent	NOUN
ijtc-909	133	14	of	of	ADP
ijtc-909	133	15	the	the	DET
ijtc-909	133	16	bank	bank	NOUN
ijtc-909	133	17	's	's	PART
ijtc-909	133	18	ability	ability	NOUN
ijtc-909	133	19	to	to	PART
ijtc-909	133	20	provide	provide	VERB
ijtc-909	133	21	loans	loan	NOUN
ijtc-909	133	22	.	.	PUNCT
ijtc-909	134	1	therefore	therefore	ADV
ijtc-909	134	2	,	,	PUNCT
ijtc-909	134	3	debtors	debtor	NOUN
ijtc-909	134	4	must	must	AUX
ijtc-909	134	5	be	be	AUX
ijtc-909	134	6	able	able	ADJ
ijtc-909	134	7	to	to	PART
ijtc-909	134	8	analyze	analyze	VERB
ijtc-909	134	9	the	the	DET
ijtc-909	134	10	health	health	NOUN
ijtc-909	134	11	of	of	ADP
ijtc-909	134	12	the	the	DET
ijtc-909	134	13	bank	bank	NOUN
ijtc-909	134	14	.	.	PUNCT
ijtc-909	135	1	healthy	healthy	ADJ
ijtc-909	135	2	banks	bank	NOUN
ijtc-909	135	3	tend	tend	VERB
ijtc-909	135	4	to	to	PART
ijtc-909	135	5	be	be	AUX
ijtc-909	135	6	more	more	ADV
ijtc-909	135	7	active	active	ADJ
ijtc-909	135	8	in	in	ADP
ijtc-909	135	9	providing	provide	VERB
ijtc-909	135	10	credit	credit	NOUN
ijtc-909	135	11	because	because	SCONJ
ijtc-909	135	12	they	they	PRON
ijtc-909	135	13	have	have	VERB
ijtc-909	135	14	a	a	DET
ijtc-909	135	15	good	good	ADJ
ijtc-909	135	16	credit	credit	NOUN
ijtc-909	135	17	portfolio	portfolio	NOUN
ijtc-909	135	18	(	(	PUNCT
ijtc-909	135	19	low	low	ADJ
ijtc-909	135	20	npl	npl	PROPN
ijtc-909	135	21	)	)	PUNCT
ijtc-909	135	22	.	.	PUNCT
ijtc-909	136	1	for	for	ADP
ijtc-909	136	2	banks	bank	NOUN
ijtc-909	136	3	,	,	PUNCT
ijtc-909	136	4	banks	bank	NOUN
ijtc-909	136	5	must	must	AUX
ijtc-909	136	6	be	be	AUX
ijtc-909	136	7	able	able	ADJ
ijtc-909	136	8	to	to	PART
ijtc-909	136	9	maintain	maintain	VERB
ijtc-909	136	10	the	the	DET
ijtc-909	136	11	value	value	NOUN
ijtc-909	136	12	of	of	ADP
ijtc-909	136	13	non	non	ADJ
ijtc-909	136	14	-	-	ADJ
ijtc-909	136	15	performing	performing	ADJ
ijtc-909	136	16	loans	loan	NOUN
ijtc-909	136	17	which	which	PRON
ijtc-909	136	18	in	in	ADP
ijtc-909	136	19	this	this	DET
ijtc-909	136	20	research	research	NOUN
ijtc-909	136	21	can	can	AUX
ijtc-909	136	22	be	be	AUX
ijtc-909	136	23	reduced	reduce	VERB
ijtc-909	136	24	by	by	ADP
ijtc-909	136	25	analyzing	analyze	VERB
ijtc-909	136	26	loan	loan	NOUN
ijtc-909	136	27	quality	quality	NOUN
ijtc-909	136	28	,	,	PUNCT
ijtc-909	136	29	increasing	increase	VERB
ijtc-909	136	30	capital	capital	NOUN
ijtc-909	136	31	and	and	CCONJ
ijtc-909	136	32	reducing	reduce	VERB
ijtc-909	136	33	the	the	DET
ijtc-909	136	34	number	number	NOUN
ijtc-909	136	35	of	of	ADP
ijtc-909	136	36	high	high	ADJ
ijtc-909	136	37	-	-	PUNCT
ijtc-909	136	38	risk	risk	NOUN
ijtc-909	136	39	assets	asset	NOUN
ijtc-909	136	40	and	and	CCONJ
ijtc-909	136	41	reducing	reduce	VERB
ijtc-909	136	42	operational	operational	ADJ
ijtc-909	136	43	expenses	expense	NOUN
ijtc-909	136	44	as	as	ADV
ijtc-909	136	45	efficiently	efficiently	ADV
ijtc-909	136	46	as	as	ADP
ijtc-909	136	47	possible	possible	ADJ
ijtc-909	136	48	.	.	PUNCT
ijtc-909	137	1	suggestion	suggestion	NOUN
ijtc-909	137	2	a.	a.	NOUN
ijtc-909	137	3	the	the	DET
ijtc-909	137	4	research	research	NOUN
ijtc-909	137	5	variables	variable	NOUN
ijtc-909	137	6	are	be	AUX
ijtc-909	137	7	limited	limited	ADJ
ijtc-909	137	8	,	,	PUNCT
ijtc-909	137	9	then	then	ADV
ijtc-909	137	10	other	other	ADJ
ijtc-909	137	11	determinant	determinant	ADJ
ijtc-909	137	12	variables	variable	NOUN
ijtc-909	137	13	can	can	AUX
ijtc-909	137	14	be	be	AUX
ijtc-909	137	15	studied	study	VERB
ijtc-909	137	16	such	such	ADJ
ijtc-909	137	17	as	as	ADP
ijtc-909	137	18	the	the	DET
ijtc-909	137	19	rupiah	rupiah	PROPN
ijtc-909	137	20	exchange	exchange	NOUN
ijtc-909	137	21	rate	rate	NOUN
ijtc-909	137	22	,	,	PUNCT
ijtc-909	137	23	return	return	VERB
ijtc-909	137	24	on	on	ADP
ijtc-909	137	25	assets	asset	NOUN
ijtc-909	137	26	,	,	PUNCT
ijtc-909	137	27	and	and	CCONJ
ijtc-909	137	28	gross	gross	ADJ
ijtc-909	137	29	domestic	domestic	ADJ
ijtc-909	137	30	product	product	NOUN
ijtc-909	137	31	.	.	PUNCT
ijtc-909	138	1	b.	b.	PROPN
ijtc-909	138	2	the	the	DET
ijtc-909	138	3	period	period	NOUN
ijtc-909	138	4	for	for	ADP
ijtc-909	138	5	this	this	DET
ijtc-909	138	6	research	research	NOUN
ijtc-909	138	7	was	be	AUX
ijtc-909	138	8	only	only	ADV
ijtc-909	138	9	5	5	NUM
ijtc-909	138	10	years	year	NOUN
ijtc-909	138	11	so	so	SCONJ
ijtc-909	138	12	future	future	ADJ
ijtc-909	138	13	researchers	researcher	NOUN
ijtc-909	138	14	can	can	AUX
ijtc-909	138	15	extend	extend	VERB
ijtc-909	138	16	the	the	DET
ijtc-909	138	17	research	research	NOUN
ijtc-909	138	18	period	period	NOUN
ijtc-909	138	19	to	to	ADP
ijtc-909	138	20	a	a	DET
ijtc-909	138	21	period	period	NOUN
ijtc-909	138	22	of	of	ADP
ijtc-909	138	23	8	8	NUM
ijtc-909	138	24	to	to	PART
ijtc-909	138	25	10	10	NUM
ijtc-909	138	26	years	year	NOUN
ijtc-909	138	27	.	.	PUNCT
ijtc-909	139	1	c.	c.	NOUN
ijtc-909	140	1	the	the	DET
ijtc-909	140	2	research	research	NOUN
ijtc-909	140	3	data	datum	NOUN
ijtc-909	140	4	used	use	VERB
ijtc-909	140	5	is	be	AUX
ijtc-909	140	6	the	the	DET
ijtc-909	140	7	annual	annual	ADJ
ijtc-909	140	8	report	report	NOUN
ijtc-909	140	9	of	of	ADP
ijtc-909	140	10	each	each	DET
ijtc-909	140	11	sample	sample	NOUN
ijtc-909	140	12	company	company	NOUN
ijtc-909	140	13	for	for	ADP
ijtc-909	140	14	the	the	DET
ijtc-909	140	15	2018	2018	NUM
ijtc-909	140	16	-	-	PUNCT
ijtc-909	140	17	2022	2022	NUM
ijtc-909	140	18	period	period	NOUN
ijtc-909	140	19	.	.	PUNCT
ijtc-909	141	1	for	for	ADP
ijtc-909	141	2	a	a	DET
ijtc-909	141	3	more	more	ADJ
ijtc-909	141	4	in	in	ADP
ijtc-909	141	5	-	-	PUNCT
ijtc-909	141	6	depth	depth	NOUN
ijtc-909	141	7	search	search	NOUN
ijtc-909	141	8	,	,	PUNCT
ijtc-909	141	9	it	it	PRON
ijtc-909	141	10	is	be	AUX
ijtc-909	141	11	best	good	ADJ
ijtc-909	141	12	to	to	PART
ijtc-909	141	13	use	use	VERB
ijtc-909	141	14	the	the	DET
ijtc-909	141	15	most	most	ADV
ijtc-909	141	16	recent	recent	ADJ
ijtc-909	141	17	year	year	NOUN
ijtc-909	141	18	to	to	PART
ijtc-909	141	19	get	get	VERB
ijtc-909	141	20	more	more	ADV
ijtc-909	141	21	accurate	accurate	ADJ
ijtc-909	141	22	and	and	CCONJ
ijtc-909	141	23	representative	representative	ADJ
ijtc-909	141	24	results	result	NOUN
ijtc-909	141	25	.	.	PUNCT
ijtc-909	142	1	d.	d.	NOUN
ijtc-909	142	2	the	the	DET
ijtc-909	142	3	use	use	NOUN
ijtc-909	142	4	of	of	ADP
ijtc-909	142	5	samples	sample	NOUN
ijtc-909	142	6	is	be	AUX
ijtc-909	142	7	not	not	PART
ijtc-909	142	8	only	only	ADV
ijtc-909	142	9	limited	limit	VERB
ijtc-909	142	10	to	to	ADP
ijtc-909	142	11	national	national	ADJ
ijtc-909	142	12	government	government	NOUN
ijtc-909	142	13	and	and	CCONJ
ijtc-909	142	14	private	private	ADJ
ijtc-909	142	15	banks	bank	NOUN
ijtc-909	142	16	,	,	PUNCT
ijtc-909	142	17	it	it	PRON
ijtc-909	142	18	would	would	AUX
ijtc-909	142	19	be	be	AUX
ijtc-909	142	20	better	well	ADJ
ijtc-909	142	21	to	to	PART
ijtc-909	142	22	use	use	VERB
ijtc-909	142	23	all	all	DET
ijtc-909	142	24	banks	bank	NOUN
ijtc-909	142	25	in	in	ADP
ijtc-909	142	26	indonesia	indonesia	PROPN
ijtc-909	142	27	.	.	PUNCT
ijtc-909	143	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-909	143	2	the	the	DET
ijtc-909	143	3	influence	influence	NOUN
ijtc-909	143	4	of	of	ADP
ijtc-909	143	5	operational	operational	ADJ
ijtc-909	143	6	costs	cost	NOUN
ijtc-909	143	7	on	on	ADP
ijtc-909	143	8	operating	operate	VERB
ijtc-909	143	9	income	income	NOUN
ijtc-909	143	10	and	and	CCONJ
ijtc-909	143	11	interest	interest	NOUN
ijtc-909	143	12	rates	rate	NOUN
ijtc-909	143	13	on	on	ADP
ijtc-909	143	14	nonperforming	nonperforme	VERB
ijtc-909	143	15	loans	loan	NOUN
ijtc-909	143	16	in	in	ADP
ijtc-909	143	17	banking	banking	NOUN
ijtc-909	143	18	companies	company	NOUN
ijtc-909	143	19	listed	list	VERB
ijtc-909	143	20	on	on	ADP
ijtc-909	143	21	the	the	DET
ijtc-909	143	22	indonesian	indonesian	ADJ
ijtc-909	143	23	stock	stock	PROPN
ijtc-909	143	24	exchange	exchange	PROPN
ijtc-909	143	25	safitri	safitri	PROPN
ijtc-909	143	26	,	,	PUNCT
ijtc-909	143	27	sulastri	sulastri	ADJ
ijtc-909	143	28	,	,	PUNCT
ijtc-909	143	29	and	and	CCONJ
ijtc-909	143	30	andriana	andriana	NOUN
ijtc-909	143	31	779	779	NUM
ijtc-909	143	32	|	|	ADV
ijtc-909	143	33	ilomata	ilomata	PROPN
ijtc-909	143	34	international	international	ADJ
ijtc-909	143	35	journal	journal	NOUN
ijtc-909	143	36	of	of	ADP
ijtc-909	143	37	tax	tax	PROPN
ijtc-909	143	38	&	&	CCONJ
ijtc-909	143	39	accounting	account	VERB
ijtc-909	143	40	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-909	143	41	references	reference	NOUN
ijtc-909	143	42	akbar	akbar	NOUN
ijtc-909	143	43	,	,	PUNCT
ijtc-909	143	44	m.	m.	NOUN
ijtc-909	143	45	,	,	PUNCT
ijtc-909	143	46	&	&	CCONJ
ijtc-909	143	47	a.	a.	PROPN
ijtc-909	143	48	,	,	PUNCT
ijtc-909	143	49	s.	s.	PROPN
ijtc-909	143	50	(	(	PUNCT
ijtc-909	143	51	2022	2022	NUM
ijtc-909	143	52	)	)	PUNCT
ijtc-909	143	53	.	.	PUNCT
ijtc-909	144	1	analisis	analisis	ADJ
ijtc-909	144	2	pengaruh	pengaruh	NOUN
ijtc-909	144	3	faktor	faktor	PROPN
ijtc-909	144	4	internal	internal	PROPN
ijtc-909	144	5	dan	dan	PROPN
ijtc-909	144	6	eksternal	eksternal	PROPN
ijtc-909	144	7	pada	pada	PROPN
ijtc-909	144	8	non	non	ADJ
ijtc-909	144	9	performing	perform	VERB
ijtc-909	144	10	loan	loan	NOUN
ijtc-909	144	11	(	(	PUNCT
ijtc-909	144	12	npl	npl	PROPN
ijtc-909	144	13	.	.	PUNCT
ijtc-909	145	1	jurnal	jurnal	PROPN
ijtc-909	145	2	ekonomi	ekonomi	PROPN
ijtc-909	145	3	dan	dan	PROPN
ijtc-909	145	4	bisnis	bisnis	PROPN
ijtc-909	145	5	,	,	PUNCT
ijtc-909	145	6	11(1	11(1	NUM
ijtc-909	145	7	)	)	PUNCT
ijtc-909	145	8	,	,	PUNCT
ijtc-909	145	9	1309–1319	1309–1319	NUM
ijtc-909	145	10	.	.	PUNCT
ijtc-909	145	11	barus	barus	PROPN
ijtc-909	145	12	,	,	PUNCT
ijtc-909	145	13	a.	a.	PROPN
ijtc-909	145	14	c.	c.	PROPN
ijtc-909	145	15	,	,	PUNCT
ijtc-909	145	16	&	&	CCONJ
ijtc-909	145	17	erick	erick	PROPN
ijtc-909	145	18	.	.	PUNCT
ijtc-909	146	1	(	(	PUNCT
ijtc-909	146	2	2016	2016	NUM
ijtc-909	146	3	)	)	PUNCT
ijtc-909	146	4	.	.	PUNCT
ijtc-909	147	1	analisis	analisis	ADJ
ijtc-909	147	2	faktor	faktor	NOUN
ijtc-909	147	3	-	-	PUNCT
ijtc-909	147	4	faktor	faktor	NOUN
ijtc-909	147	5	yang	yang	PROPN
ijtc-909	147	6	mempengaruhi	mempengaruhi	VERB
ijtc-909	147	7	non	non	ADJ
ijtc-909	147	8	performing	perform	VERB
ijtc-909	147	9	loan	loan	NOUN
ijtc-909	147	10	pada	pada	PROPN
ijtc-909	147	11	bank	bank	PROPN
ijtc-909	147	12	umum	umum	PROPN
ijtc-909	147	13	di	di	PROPN
ijtc-909	147	14	indonesia	indonesia	PROPN
ijtc-909	147	15	.	.	PUNCT
ijtc-909	148	1	jurnal	jurnal	PROPN
ijtc-909	148	2	wira	wira	PROPN
ijtc-909	148	3	ekonomi	ekonomi	PROPN
ijtc-909	148	4	mikroskil	mikroskil	PROPN
ijtc-909	148	5	,	,	PUNCT
ijtc-909	148	6	6(2	6(2	NUM
ijtc-909	148	7	)	)	PUNCT
ijtc-909	148	8	,	,	PUNCT
ijtc-909	148	9	113–122	113–122	NUM
ijtc-909	148	10	.	.	PUNCT
ijtc-909	149	1	bengawan	bengawan	PROPN
ijtc-909	149	2	,	,	PUNCT
ijtc-909	149	3	c.	c.	PROPN
ijtc-909	149	4	h.	h.	PROPN
ijtc-909	149	5	,	,	PUNCT
ijtc-909	149	6	&	&	CCONJ
ijtc-909	149	7	ruslim	ruslim	PROPN
ijtc-909	149	8	,	,	PUNCT
ijtc-909	149	9	h.	h.	PROPN
ijtc-909	149	10	(	(	PUNCT
ijtc-909	149	11	2020	2020	NUM
ijtc-909	149	12	)	)	PUNCT
ijtc-909	149	13	.	.	PUNCT
ijtc-909	150	1	the	the	DET
ijtc-909	150	2	effect	effect	NOUN
ijtc-909	150	3	of	of	ADP
ijtc-909	150	4	capital	capital	NOUN
ijtc-909	150	5	aset	aset	NOUN
ijtc-909	150	6	and	and	CCONJ
ijtc-909	150	7	liability	liability	NOUN
ijtc-909	150	8	ratio	ratio	NOUN
ijtc-909	150	9	on	on	ADP
ijtc-909	150	10	non	non	ADJ
ijtc-909	150	11	performing	perform	VERB
ijtc-909	150	12	loan	loan	NOUN
ijtc-909	150	13	.	.	PUNCT
ijtc-909	151	1	jurnal	jurnal	ADJ
ijtc-909	151	2	akuntansi	akuntansi	PROPN
ijtc-909	151	3	,	,	PUNCT
ijtc-909	151	4	23(3	23(3	NUM
ijtc-909	151	5	)	)	PUNCT
ijtc-909	151	6	,	,	PUNCT
ijtc-909	151	7	433–448	433–448	NUM
ijtc-909	151	8	.	.	PUNCT
ijtc-909	151	9	https://doi.org/10.24912/ja.v23i3.612	https://doi.org/10.24912/ja.v23i3.612	NOUN
ijtc-909	151	10	.	.	PUNCT
ijtc-909	152	1	betz	betz	PROPN
ijtc-909	152	2	,	,	PUNCT
ijtc-909	152	3	t.	t.	PROPN
ijtc-909	152	4	,	,	PUNCT
ijtc-909	152	5	&	&	CCONJ
ijtc-909	152	6	kerner	kerner	PROPN
ijtc-909	152	7	,	,	PUNCT
ijtc-909	152	8	a.	a.	PROPN
ijtc-909	152	9	(	(	PUNCT
ijtc-909	152	10	2016	2016	NUM
ijtc-909	152	11	)	)	PUNCT
ijtc-909	152	12	.	.	PUNCT
ijtc-909	153	1	the	the	DET
ijtc-909	153	2	influence	influence	NOUN
ijtc-909	153	3	of	of	ADP
ijtc-909	153	4	interest	interest	NOUN
ijtc-909	153	5	:	:	PUNCT
ijtc-909	153	6	real	real	ADJ
ijtc-909	153	7	us	us	PROPN
ijtc-909	153	8	interest	interest	NOUN
ijtc-909	153	9	rates	rate	NOUN
ijtc-909	153	10	and	and	CCONJ
ijtc-909	153	11	bilateral	bilateral	ADJ
ijtc-909	153	12	investment	investment	NOUN
ijtc-909	153	13	treaties	treaty	NOUN
ijtc-909	153	14	.	.	PUNCT
ijtc-909	154	1	review	review	NOUN
ijtc-909	154	2	of	of	ADP
ijtc-909	154	3	international	international	ADJ
ijtc-909	154	4	organizations	organization	NOUN
ijtc-909	154	5	,	,	PUNCT
ijtc-909	154	6	11(4	11(4	NUM
ijtc-909	154	7	)	)	PUNCT
ijtc-909	154	8	,	,	PUNCT
ijtc-909	154	9	419–448	419–448	NUM
ijtc-909	154	10	.	.	PUNCT
ijtc-909	155	1	https://doi.org/10.1007/s11558-015-9236-6	https://doi.org/10.1007/s11558-015-9236-6	PROPN
ijtc-909	155	2	brigham	brigham	PROPN
ijtc-909	155	3	,	,	PUNCT
ijtc-909	155	4	e.	e.	PROPN
ijtc-909	155	5	f.	f.	PROPN
ijtc-909	155	6	,	,	PUNCT
ijtc-909	155	7	&	&	CCONJ
ijtc-909	155	8	houston	houston	PROPN
ijtc-909	155	9	,	,	PUNCT
ijtc-909	155	10	j.	j.	PROPN
ijtc-909	155	11	f.	f.	PROPN
ijtc-909	155	12	(	(	PUNCT
ijtc-909	155	13	2018	2018	NUM
ijtc-909	155	14	)	)	PUNCT
ijtc-909	155	15	.	.	PUNCT
ijtc-909	156	1	dasar	dasar	VERB
ijtc-909	156	2	-	-	PUNCT
ijtc-909	156	3	dasar	dasar	VERB
ijtc-909	156	4	manajemen	manajeman	NOUN
ijtc-909	156	5	keuangan	keuangan	PROPN
ijtc-909	156	6	buku	buku	PROPN
ijtc-909	156	7	1	1	NUM
ijtc-909	156	8	,	,	PUNCT
ijtc-909	156	9	edisi	edisi	VERB
ijtc-909	156	10	14	14	NUM
ijtc-909	156	11	.	.	PUNCT
ijtc-909	157	1	salemba	salemba	PROPN
ijtc-909	157	2	empat	empat	PROPN
ijtc-909	157	3	.	.	PUNCT
ijtc-909	158	1	cahyono	cahyono	PROPN
ijtc-909	158	2	,	,	PUNCT
ijtc-909	158	3	l.	l.	PROPN
ijtc-909	158	4	,	,	PUNCT
ijtc-909	158	5	t.	t.	PROPN
ijtc-909	158	6	,	,	PUNCT
ijtc-909	158	7	&	&	CCONJ
ijtc-909	158	8	suzuda	suzuda	PROPN
ijtc-909	158	9	,	,	PUNCT
ijtc-909	158	10	f.	f.	PROPN
ijtc-909	158	11	(	(	PUNCT
ijtc-909	158	12	2022	2022	NUM
ijtc-909	158	13	)	)	PUNCT
ijtc-909	158	14	.	.	PUNCT
ijtc-909	159	1	factors	factor	NOUN
ijtc-909	159	2	of	of	ADP
ijtc-909	159	3	non	non	ADJ
ijtc-909	159	4	-	-	ADJ
ijtc-909	159	5	performing	performing	ADJ
ijtc-909	159	6	loan	loan	NOUN
ijtc-909	159	7	in	in	ADP
ijtc-909	159	8	indonesia	indonesia	PROPN
ijtc-909	159	9	commercial	commercial	ADJ
ijtc-909	159	10	banks	bank	NOUN
ijtc-909	159	11	.	.	PUNCT
ijtc-909	160	1	jurnal	jurnal	ADJ
ijtc-909	160	2	bisnis	bisnis	PROPN
ijtc-909	160	3	,	,	PUNCT
ijtc-909	160	4	manajemen	manajeman	NOUN
ijtc-909	160	5	dan	dan	PROPN
ijtc-909	160	6	teknososiopreneur	teknososiopreneur	PROPN
ijtc-909	160	7	,	,	PUNCT
ijtc-909	160	8	1(1	1(1	NUM
ijtc-909	160	9	)	)	PUNCT
ijtc-909	160	10	.	.	PUNCT
ijtc-909	161	1	https://doi.org/10.31326/bimtek.v1i1.1253	https://doi.org/10.31326/bimtek.v1i1.1253	PROPN
ijtc-909	161	2	clichici	clichici	PROPN
ijtc-909	161	3	,	,	PUNCT
ijtc-909	161	4	d.	d.	PROPN
ijtc-909	161	5	,	,	PUNCT
ijtc-909	161	6	&	&	CCONJ
ijtc-909	161	7	colesnicova	colesnicova	PROPN
ijtc-909	161	8	,	,	PUNCT
ijtc-909	161	9	t.	t.	PROPN
ijtc-909	161	10	(	(	PUNCT
ijtc-909	161	11	2014	2014	NUM
ijtc-909	161	12	)	)	PUNCT
ijtc-909	161	13	.	.	PUNCT
ijtc-909	162	1	the	the	DET
ijtc-909	162	2	impact	impact	NOUN
ijtc-909	162	3	of	of	ADP
ijtc-909	162	4	macroeconomic	macroeconomic	ADJ
ijtc-909	162	5	factors	factor	NOUN
ijtc-909	162	6	on	on	ADP
ijtc-909	162	7	nonperforming	nonperforme	VERB
ijtc-909	162	8	loans	loan	NOUN
ijtc-909	162	9	in	in	ADP
ijtc-909	162	10	the	the	DET
ijtc-909	162	11	republic	republic	NOUN
ijtc-909	162	12	of	of	ADP
ijtc-909	162	13	moldova	moldova	PROPN
ijtc-909	162	14	.	.	PUNCT
ijtc-909	163	1	journal	journal	PROPN
ijtc-909	163	2	of	of	ADP
ijtc-909	163	3	financial	financial	ADJ
ijtc-909	163	4	and	and	CCONJ
ijtc-909	163	5	monetary	monetary	ADJ
ijtc-909	163	6	economics	economic	NOUN
ijtc-909	163	7	,	,	PUNCT
ijtc-909	163	8	centre	centre	NOUN
ijtc-909	163	9	of	of	ADP
ijtc-909	163	10	financial	financial	ADJ
ijtc-909	163	11	and	and	CCONJ
ijtc-909	163	12	monetary	monetary	ADJ
ijtc-909	163	13	research	research	NOUN
ijtc-909	163	14	“	"	PUNCT
ijtc-909	163	15	victor	victor	PROPN
ijtc-909	163	16	slavescu	slavescu	NOUN
ijtc-909	163	17	,	,	PUNCT
ijtc-909	163	18	”	"	PUNCT
ijtc-909	163	19	1(1	1(1	NUM
ijtc-909	163	20	)	)	PUNCT
ijtc-909	163	21	,	,	PUNCT
ijtc-909	163	22	73	73	NUM
ijtc-909	163	23	–	–	PUNCT
ijtc-909	163	24	78	78	NUM
ijtc-909	163	25	.	.	PUNCT
ijtc-909	164	1	dao	dao	PROPN
ijtc-909	164	2	,	,	PUNCT
ijtc-909	164	3	l.	l.	PROPN
ijtc-909	164	4	k.	k.	PROPN
ijtc-909	164	5	o.	o.	PROPN
ijtc-909	164	6	,	,	PUNCT
ijtc-909	164	7	nguyen	nguyen	NOUN
ijtc-909	164	8	,	,	PUNCT
ijtc-909	164	9	t.	t.	PROPN
ijtc-909	164	10	y.	y.	PROPN
ijtc-909	164	11	,	,	PUNCT
ijtc-909	164	12	hussain	hussain	PROPN
ijtc-909	164	13	,	,	PUNCT
ijtc-909	164	14	s.	s.	PROPN
ijtc-909	164	15	,	,	PUNCT
ijtc-909	164	16	&	&	CCONJ
ijtc-909	164	17	nguyen	nguyen	PROPN
ijtc-909	164	18	,	,	PUNCT
ijtc-909	164	19	v.	v.	PROPN
ijtc-909	164	20	c.	c.	PROPN
ijtc-909	164	21	(	(	PUNCT
ijtc-909	164	22	2020	2020	NUM
ijtc-909	164	23	)	)	PUNCT
ijtc-909	164	24	.	.	PUNCT
ijtc-909	165	1	factors	factor	NOUN
ijtc-909	165	2	affecting	affect	VERB
ijtc-909	165	3	nonperforming	nonperforme	VERB
ijtc-909	165	4	loans	loan	NOUN
ijtc-909	165	5	of	of	ADP
ijtc-909	165	6	commercial	commercial	ADJ
ijtc-909	165	7	banks	bank	NOUN
ijtc-909	165	8	:	:	PUNCT
ijtc-909	165	9	the	the	DET
ijtc-909	165	10	role	role	NOUN
ijtc-909	165	11	of	of	ADP
ijtc-909	165	12	bank	bank	NOUN
ijtc-909	165	13	performance	performance	NOUN
ijtc-909	165	14	and	and	CCONJ
ijtc-909	165	15	credit	credit	NOUN
ijtc-909	165	16	growth	growth	NOUN
ijtc-909	165	17	.	.	PUNCT
ijtc-909	166	1	banks	bank	NOUN
ijtc-909	166	2	and	and	CCONJ
ijtc-909	166	3	bank	bank	NOUN
ijtc-909	166	4	systems	system	NOUN
ijtc-909	166	5	,	,	PUNCT
ijtc-909	166	6	15(3	15(3	NUM
ijtc-909	166	7	)	)	PUNCT
ijtc-909	166	8	,	,	PUNCT
ijtc-909	166	9	44–54	44–54	NUM
ijtc-909	166	10	.	.	PUNCT
ijtc-909	167	1	https://doi.org/10.21511/bbs.15(3).2020.05	https://doi.org/10.21511/bbs.15(3).2020.05	PUNCT
ijtc-909	167	2	dewanto	dewanto	PROPN
ijtc-909	167	3	,	,	PUNCT
ijtc-909	167	4	b.	b.	PROPN
ijtc-909	167	5	dan	dan	PROPN
ijtc-909	167	6	s.	s.	PROPN
ijtc-909	167	7	(	(	PUNCT
ijtc-909	167	8	2022	2022	NUM
ijtc-909	167	9	)	)	PUNCT
ijtc-909	167	10	.	.	PUNCT
ijtc-909	168	1	analysis	analysis	NOUN
ijtc-909	168	2	of	of	ADP
ijtc-909	168	3	macroeconomic	macroeconomic	ADJ
ijtc-909	168	4	factors	factor	NOUN
ijtc-909	168	5	affecting	affect	VERB
ijtc-909	168	6	non	non	ADJ
ijtc-909	168	7	-	-	ADJ
ijtc-909	168	8	performing	performing	ADJ
ijtc-909	168	9	loans	loan	NOUN
ijtc-909	168	10	in	in	ADP
ijtc-909	168	11	multinational	multinational	ADJ
ijtc-909	168	12	banking	banking	NOUN
ijtc-909	168	13	in	in	ADP
ijtc-909	168	14	indonesia	indonesia	PROPN
ijtc-909	168	15	.	.	PUNCT
ijtc-909	169	1	international	international	ADJ
ijtc-909	169	2	journal	journal	PROPN
ijtc-909	169	3	of	of	ADP
ijtc-909	169	4	innovative	innovative	ADJ
ijtc-909	169	5	science	science	NOUN
ijtc-909	169	6	and	and	CCONJ
ijtc-909	169	7	research	research	NOUN
ijtc-909	169	8	technology	technology	NOUN
ijtc-909	169	9	,	,	PUNCT
ijtc-909	169	10	7(11	7(11	NUM
ijtc-909	169	11	)	)	PUNCT
ijtc-909	169	12	.	.	PUNCT
ijtc-909	170	1	hamzah	hamzah	PROPN
ijtc-909	170	2	,	,	PUNCT
ijtc-909	170	3	a.	a.	NOUN
ijtc-909	170	4	(	(	PUNCT
ijtc-909	170	5	2018	2018	NUM
ijtc-909	170	6	)	)	PUNCT
ijtc-909	170	7	.	.	PUNCT
ijtc-909	171	1	pengaruh	pengaruh	PROPN
ijtc-909	171	2	faktor	faktor	PROPN
ijtc-909	171	3	makro	makro	PROPN
ijtc-909	171	4	ekonomi	ekonomi	PROPN
ijtc-909	171	5	terhadap	terhadap	PROPN
ijtc-909	171	6	pembiayaan	pembiayaan	VERB
ijtc-909	171	7	bermasalah	bermasalah	PROPN
ijtc-909	171	8	(	(	PUNCT
ijtc-909	171	9	penelitian	penelitian	PROPN
ijtc-909	171	10	pada	pada	PROPN
ijtc-909	171	11	bank	bank	PROPN
ijtc-909	171	12	umum	umum	PROPN
ijtc-909	171	13	syariah	syariah	PROPN
ijtc-909	171	14	di	di	PROPN
ijtc-909	171	15	indonesia	indonesia	PROPN
ijtc-909	171	16	tahun	tahun	PROPN
ijtc-909	171	17	20102017	20102017	NUM
ijtc-909	171	18	.	.	PUNCT
ijtc-909	172	1	jifa	jifa	PROPN
ijtc-909	172	2	(	(	PUNCT
ijtc-909	172	3	journal	journal	NOUN
ijtc-909	172	4	of	of	ADP
ijtc-909	172	5	islamic	islamic	ADJ
ijtc-909	172	6	finance	finance	PROPN
ijtc-909	172	7	and	and	CCONJ
ijtc-909	172	8	accounting	accounting	NOUN
ijtc-909	172	9	,	,	PUNCT
ijtc-909	172	10	1(2	1(2	NUM
ijtc-909	172	11	)	)	PUNCT
ijtc-909	172	12	,	,	PUNCT
ijtc-909	172	13	73–90	73–90	NUM
ijtc-909	172	14	.	.	PUNCT
ijtc-909	173	1	kasmir	kasmir	PROPN
ijtc-909	173	2	.	.	PUNCT
ijtc-909	174	1	(	(	PUNCT
ijtc-909	174	2	2015	2015	NUM
ijtc-909	174	3	)	)	PUNCT
ijtc-909	174	4	.	.	PUNCT
ijtc-909	175	1	2015).bank	2015).bank	NUM
ijtc-909	175	2	dan	dan	PROPN
ijtc-909	175	3	lembaga	lembaga	PROPN
ijtc-909	175	4	keuangan	keuangan	PROPN
ijtc-909	175	5	lainnya	lainnya	PROPN
ijtc-909	175	6	.	.	PUNCT
ijtc-909	176	1	pt	pt	PROPN
ijtc-909	176	2	.	.	PROPN
ijtc-909	176	3	raja	raja	PROPN
ijtc-909	176	4	grafindo	grafindo	PROPN
ijtc-909	176	5	persada	persada	PROPN
ijtc-909	176	6	.	.	PUNCT
ijtc-909	177	1	khan	khan	PROPN
ijtc-909	177	2	,	,	PUNCT
ijtc-909	177	3	m.	m.	NOUN
ijtc-909	177	4	,	,	PUNCT
ijtc-909	177	5	a.	a.	PROPN
ijtc-909	177	6	,	,	PUNCT
ijtc-909	177	7	s.	s.	PROPN
ijtc-909	177	8	,	,	PUNCT
ijtc-909	177	9	a.	a.	PROPN
ijtc-909	177	10	,	,	PUNCT
ijtc-909	177	11	sarwar	sarwar	PROPN
ijtc-909	177	12	,	,	PUNCT
ijtc-909	177	13	p.	p.	PROPN
ijtc-909	177	14	,	,	PUNCT
ijtc-909	177	15	&	&	CCONJ
ijtc-909	177	16	z.	z.	PROPN
ijtc-909	177	17	(	(	PUNCT
ijtc-909	177	18	2020	2020	NUM
ijtc-909	177	19	)	)	PUNCT
ijtc-909	177	20	.	.	PUNCT
ijtc-909	178	1	determinants	determinant	NOUN
ijtc-909	178	2	of	of	ADP
ijtc-909	178	3	non	non	ADJ
ijtc-909	178	4	-	-	ADJ
ijtc-909	178	5	performing	performing	ADJ
ijtc-909	178	6	loans	loan	NOUN
ijtc-909	178	7	in	in	ADP
ijtc-909	178	8	the	the	DET
ijtc-909	178	9	banking	banking	NOUN
ijtc-909	178	10	sector	sector	NOUN
ijtc-909	178	11	in	in	ADP
ijtc-909	178	12	developing	develop	VERB
ijtc-909	178	13	state	state	NOUN
ijtc-909	178	14	.	.	PUNCT
ijtc-909	179	1	asian	asian	ADJ
ijtc-909	179	2	journal	journal	PROPN
ijtc-909	179	3	of	of	ADP
ijtc-909	179	4	accounting	accounting	NOUN
ijtc-909	179	5	research	research	NOUN
ijtc-909	179	6	,	,	PUNCT
ijtc-909	179	7	5(1	5(1	NUM
ijtc-909	179	8	)	)	PUNCT
ijtc-909	179	9	,	,	PUNCT
ijtc-909	179	10	135–145	135–145	NUM
ijtc-909	179	11	.	.	PUNCT
ijtc-909	180	1	https://doi.org/10.1108/ajar-10-2019-008	https://doi.org/10.1108/ajar-10-2019-008	PROPN
ijtc-909	180	2	kingu	kingu	PROPN
ijtc-909	180	3	,	,	PUNCT
ijtc-909	180	4	p.	p.	PROPN
ijtc-909	180	5	s.	s.	PROPN
ijtc-909	180	6	,	,	PUNCT
ijtc-909	180	7	macha	macha	PROPN
ijtc-909	180	8	,	,	PUNCT
ijtc-909	180	9	s.	s.	PROPN
ijtc-909	180	10	,	,	PUNCT
ijtc-909	180	11	&	&	CCONJ
ijtc-909	180	12	gwahula	gwahula	PROPN
ijtc-909	180	13	,	,	PUNCT
ijtc-909	180	14	r.	r.	PROPN
ijtc-909	180	15	(	(	PUNCT
ijtc-909	180	16	2017	2017	NUM
ijtc-909	180	17	)	)	PUNCT
ijtc-909	180	18	.	.	PUNCT
ijtc-909	181	1	determinan	determinan	PROPN
ijtc-909	181	2	spesifik	spesifik	PROPN
ijtc-909	181	3	bank	bank	PROPN
ijtc-909	181	4	nonperforming	nonperforme	VERB
ijtc-909	181	5	loans	loan	NOUN
ijtc-909	181	6	:	:	PUNCT
ijtc-909	181	7	bukti	bukti	ADJ
ijtc-909	181	8	empiris	empiris	PROPN
ijtc-909	181	9	dari	dari	PROPN
ijtc-909	181	10	bank	bank	PROPN
ijtc-909	181	11	komersial	komersial	PROPN
ijtc-909	181	12	di	di	X
ijtc-909	181	13	tanzania.jurnal	tanzania.jurnal	PROPN
ijtc-909	181	14	internasional	internasional	ADJ
ijtc-909	181	15	bisnis	bisnis	PROPN
ijtc-909	181	16	&	&	CCONJ
ijtc-909	181	17	manajement	manajement	PROPN
ijtc-909	181	18	(	(	PUNCT
ijtc-909	181	19	vol	vol	NOUN
ijtc-909	181	20	.	.	NOUN
ijtc-909	181	21	5	5	NUM
ijtc-909	181	22	,	,	PUNCT
ijtc-909	181	23	issue	issue	NOUN
ijtc-909	181	24	12	12	NUM
ijtc-909	181	25	,	,	PUNCT
ijtc-909	181	26	pp	pp	ADJ
ijtc-909	181	27	.	.	PUNCT
ijtc-909	181	28	18–28	18–28	NUM
ijtc-909	181	29	)	)	PUNCT
ijtc-909	181	30	.	.	PUNCT
ijtc-909	182	1	laskarsari	laskarsari	PROPN
ijtc-909	182	2	,	,	PUNCT
ijtc-909	182	3	p.	p.	NOUN
ijtc-909	182	4	h.	h.	PROPN
ijtc-909	182	5	(	(	PUNCT
ijtc-909	182	6	2021	2021	NUM
ijtc-909	182	7	)	)	PUNCT
ijtc-909	182	8	.	.	PUNCT
ijtc-909	183	1	pengaruh	pengaruh	PROPN
ijtc-909	183	2	inflasi	inflasi	NOUN
ijtc-909	183	3	,	,	PUNCT
ijtc-909	183	4	capital	capital	NOUN
ijtc-909	183	5	adequacy	adequacy	NOUN
ijtc-909	183	6	ratio	ratio	NOUN
ijtc-909	183	7	,	,	PUNCT
ijtc-909	183	8	gross	gross	ADJ
ijtc-909	183	9	domestic	domestic	ADJ
ijtc-909	183	10	product	product	NOUN
ijtc-909	183	11	dan	dan	PROPN
ijtc-909	183	12	suku	suku	PROPN
ijtc-909	183	13	bunga	bunga	PROPN
ijtc-909	183	14	bank	bank	PROPN
ijtc-909	183	15	terhadap	terhadap	PROPN
ijtc-909	183	16	non	non	ADJ
ijtc-909	183	17	performing	perform	VERB
ijtc-909	183	18	loan	loan	NOUN
ijtc-909	183	19	pada	pada	PROPN
ijtc-909	183	20	bank	bank	PROPN
ijtc-909	183	21	bumn	bumn	PROPN
ijtc-909	183	22	di	di	PROPN
ijtc-909	183	23	indonesia	indonesia	PROPN
ijtc-909	183	24	.	.	PUNCT
ijtc-909	184	1	hayam	hayam	PROPN
ijtc-909	184	2	wuruk	wuruk	PROPN
ijtc-909	184	3	perbanas	perbanas	PROPN
ijtc-909	184	4	,	,	PUNCT
ijtc-909	184	5	21	21	NUM
ijtc-909	184	6	,	,	PUNCT
ijtc-909	184	7	(	(	PUNCT
ijtc-909	184	8	1	1	NUM
ijtc-909	184	9	,	,	PUNCT
ijtc-909	184	10	6	6	NUM
ijtc-909	184	11	.	.	PUNCT
ijtc-909	185	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	DET
ijtc-909	185	2	the	the	DET
ijtc-909	185	3	influence	influence	NOUN
ijtc-909	185	4	of	of	ADP
ijtc-909	185	5	operational	operational	ADJ
ijtc-909	185	6	costs	cost	NOUN
ijtc-909	185	7	on	on	ADP
ijtc-909	185	8	operating	operate	VERB
ijtc-909	185	9	income	income	NOUN
ijtc-909	185	10	and	and	CCONJ
ijtc-909	185	11	interest	interest	NOUN
ijtc-909	185	12	rates	rate	NOUN
ijtc-909	185	13	on	on	ADP
ijtc-909	185	14	nonperforming	nonperforme	VERB
ijtc-909	185	15	loans	loan	NOUN
ijtc-909	185	16	in	in	ADP
ijtc-909	185	17	banking	banking	NOUN
ijtc-909	185	18	companies	company	NOUN
ijtc-909	185	19	listed	list	VERB
ijtc-909	185	20	on	on	ADP
ijtc-909	185	21	the	the	DET
ijtc-909	185	22	indonesian	indonesian	ADJ
ijtc-909	185	23	stock	stock	PROPN
ijtc-909	185	24	exchange	exchange	PROPN
ijtc-909	185	25	safitri	safitri	PROPN
ijtc-909	185	26	,	,	PUNCT
ijtc-909	185	27	sulastri	sulastri	ADJ
ijtc-909	185	28	,	,	PUNCT
ijtc-909	185	29	and	and	CCONJ
ijtc-909	185	30	andriana	andriana	NOUN
ijtc-909	185	31	780	780	NUM
ijtc-909	185	32	|	|	ADV
ijtc-909	185	33	ilomata	ilomata	PROPN
ijtc-909	185	34	international	international	ADJ
ijtc-909	185	35	journal	journal	NOUN
ijtc-909	185	36	of	of	ADP
ijtc-909	185	37	tax	tax	PROPN
ijtc-909	185	38	&	&	CCONJ
ijtc-909	185	39	accounting	accounting	PROPN
ijtc-909	185	40	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-909	185	41	mattingly	mattingly	PROPN
ijtc-909	185	42	,	,	PUNCT
ijtc-909	185	43	t.	t.	PROPN
ijtc-909	185	44	j.	j.	PROPN
ijtc-909	185	45	(	(	PUNCT
ijtc-909	185	46	2019	2019	NUM
ijtc-909	185	47	)	)	PUNCT
ijtc-909	185	48	.	.	PUNCT
ijtc-909	186	1	before	before	SCONJ
ijtc-909	186	2	we	we	PRON
ijtc-909	186	3	talk	talk	VERB
ijtc-909	186	4	about	about	ADP
ijtc-909	186	5	student	student	NOUN
ijtc-909	186	6	debt	debt	NOUN
ijtc-909	186	7	cancelation	cancelation	NOUN
ijtc-909	186	8	,	,	PUNCT
ijtc-909	186	9	can	can	AUX
ijtc-909	186	10	we	we	PRON
ijtc-909	186	11	talk	talk	VERB
ijtc-909	186	12	about	about	ADP
ijtc-909	186	13	interest	interest	NOUN
ijtc-909	186	14	rates	rate	NOUN
ijtc-909	186	15	?	?	PUNCT
ijtc-909	187	1	american	american	ADJ
ijtc-909	187	2	journal	journal	PROPN
ijtc-909	187	3	of	of	ADP
ijtc-909	187	4	pharmaceutical	pharmaceutical	ADJ
ijtc-909	187	5	education	education	NOUN
ijtc-909	187	6	,	,	PUNCT
ijtc-909	187	7	83(9	83(9	NOUN
ijtc-909	187	8	)	)	PUNCT
ijtc-909	187	9	,	,	PUNCT
ijtc-909	187	10	1832–1835	1832–1835	NUM
ijtc-909	187	11	.	.	PUNCT
ijtc-909	188	1	https://www.scopus.com/inward/record.uri?eid=2-s2.085076984215&partnerid=40&md5=2e549f4faeacc41b9718bb3b8b319049	https://www.scopus.com/inward/record.uri?eid=2-s2.085076984215&partnerid=40&md5=2e549f4faeacc41b9718bb3b8b319049	PROPN
ijtc-909	188	2	mattunruang	mattunruang	PROPN
ijtc-909	188	3	,	,	PUNCT
ijtc-909	188	4	a.	a.	PROPN
ijtc-909	188	5	,	,	PUNCT
ijtc-909	188	6	&	&	CCONJ
ijtc-909	188	7	a.	a.	PROPN
ijtc-909	188	8	(	(	PUNCT
ijtc-909	188	9	2023	2023	NUM
ijtc-909	188	10	)	)	PUNCT
ijtc-909	188	11	.	.	PUNCT
ijtc-909	189	1	pengaruh	pengaruh	VERB
ijtc-909	189	2	non	non	ADJ
ijtc-909	189	3	performing	perform	VERB
ijtc-909	189	4	loans	loan	NOUN
ijtc-909	189	5	(	(	PUNCT
ijtc-909	189	6	npl	npl	NOUN
ijtc-909	189	7	)	)	PUNCT
ijtc-909	189	8	terhadap	terhadap	PROPN
ijtc-909	189	9	profitabilitas	profitabilitas	PROPN
ijtc-909	189	10	(	(	PUNCT
ijtc-909	189	11	studi	studi	PROPN
ijtc-909	189	12	empiris	empiris	PROPN
ijtc-909	189	13	dari	dari	PROPN
ijtc-909	189	14	bank	bank	PROPN
ijtc-909	189	15	komersial	komersial	PROPN
ijtc-909	189	16	yang	yang	PROPN
ijtc-909	189	17	terdaftar	terdaftar	PROPN
ijtc-909	189	18	di	di	PROPN
ijtc-909	189	19	bursa	bursa	PROPN
ijtc-909	189	20	efek	efek	PROPN
ijtc-909	189	21	indonesia	indonesia	PROPN
ijtc-909	189	22	periode	periode	PROPN
ijtc-909	189	23	20192022	20192022	NUM
ijtc-909	189	24	.	.	PUNCT
ijtc-909	190	1	jurnal	jurnal	ADJ
ijtc-909	190	2	ekonomektriks	ekonomektriks	PROPN
ijtc-909	190	3	(	(	PUNCT
ijtc-909	190	4	ekonomi	ekonomi	PROPN
ijtc-909	190	5	,	,	PUNCT
ijtc-909	190	6	manajemen	manajeman	NOUN
ijtc-909	190	7	,	,	PUNCT
ijtc-909	190	8	6(1	6(1	NUM
ijtc-909	190	9	)	)	PUNCT
ijtc-909	190	10	,	,	PUNCT
ijtc-909	190	11	52–60	52–60	NUM
ijtc-909	190	12	.	.	PUNCT
ijtc-909	190	13	naibaho	naibaho	PROPN
ijtc-909	190	14	,	,	PUNCT
ijtc-909	190	15	k.	k.	PROPN
ijtc-909	190	16	(	(	PUNCT
ijtc-909	190	17	2018	2018	NUM
ijtc-909	190	18	)	)	PUNCT
ijtc-909	190	19	.	.	PUNCT
ijtc-909	191	1	pengaruh	pengaruh	PROPN
ijtc-909	191	2	gdp	gdp	PROPN
ijtc-909	191	3	,	,	PUNCT
ijtc-909	191	4	inflasi	inflasi	NOUN
ijtc-909	191	5	,	,	PUNCT
ijtc-909	191	6	bi	bi	ADJ
ijtc-909	191	7	rate	rate	NOUN
ijtc-909	191	8	,	,	PUNCT
ijtc-909	191	9	nilai	nilai	PROPN
ijtc-909	191	10	tukar	tukar	PROPN
ijtc-909	191	11	terhadap	terhadap	PROPN
ijtc-909	191	12	non	non	ADJ
ijtc-909	191	13	performing	perform	VERB
ijtc-909	191	14	loan	loan	NOUN
ijtc-909	191	15	bank	bank	NOUN
ijtc-909	191	16	umum	umum	PROPN
ijtc-909	191	17	konvensional	konvensional	PROPN
ijtc-909	191	18	di	di	PROPN
ijtc-909	191	19	indonesia	indonesia	PROPN
ijtc-909	191	20	.	.	PUNCT
ijtc-909	192	1	jurnal	jurnal	ADJ
ijtc-909	192	2	administrasi	administrasi	NOUN
ijtc-909	192	3	bisnis	bisnis	PROPN
ijtc-909	192	4	,	,	PUNCT
ijtc-909	192	5	62(2	62(2	NOUN
ijtc-909	192	6	)	)	PUNCT
ijtc-909	192	7	,	,	PUNCT
ijtc-909	192	8	85–101	85–101	NUM
ijtc-909	192	9	.	.	PUNCT
ijtc-909	192	10	ozili	ozili	PROPN
ijtc-909	192	11	,	,	PUNCT
ijtc-909	192	12	p.	p.	PROPN
ijtc-909	192	13	k.	k.	PROPN
ijtc-909	193	1	(	(	PUNCT
ijtc-909	193	2	2019	2019	NUM
ijtc-909	193	3	)	)	PUNCT
ijtc-909	193	4	.	.	PUNCT
ijtc-909	194	1	non	non	ADJ
ijtc-909	194	2	-	-	ADJ
ijtc-909	194	3	perfoming	perfoming	ADJ
ijtc-909	194	4	loans	loan	NOUN
ijtc-909	194	5	in	in	ADP
ijtc-909	194	6	european	european	PROPN
ijtc-909	194	7	systemic	systemic	ADJ
ijtc-909	194	8	and	and	CCONJ
ijtc-909	194	9	nonsyetematic	nonsyetematic	ADJ
ijtc-909	194	10	banks	bank	NOUN
ijtc-909	194	11	.	.	PUNCT
ijtc-909	195	1	journal	journal	PROPN
ijtc-909	195	2	of	of	ADP
ijtc-909	195	3	financial	financial	ADJ
ijtc-909	195	4	economics	economic	NOUN
ijtc-909	195	5	policy	policy	NOUN
ijtc-909	195	6	,	,	PUNCT
ijtc-909	195	7	33	33	NUM
ijtc-909	195	8	.	.	PUNCT
ijtc-909	196	1	https://doi.org/10.1108/jfep-02-2019	https://doi.org/10.1108/jfep-02-2019	PROPN
ijtc-909	196	2	putri	putri	PROPN
ijtc-909	196	3	,	,	PUNCT
ijtc-909	196	4	l.	l.	PROPN
ijtc-909	196	5	,	,	PUNCT
ijtc-909	196	6	t	t	PROPN
ijtc-909	196	7	,	,	PUNCT
ijtc-909	196	8	c.	c.	PROPN
ijtc-909	196	9	,	,	PUNCT
ijtc-909	196	10	pohan	pohan	INTJ
ijtc-909	196	11	,	,	PUNCT
ijtc-909	196	12	f.	f.	PROPN
ijtc-909	196	13	,	,	PUNCT
ijtc-909	196	14	&	&	CCONJ
ijtc-909	196	15	s.	s.	PROPN
ijtc-909	196	16	(	(	PUNCT
ijtc-909	196	17	2022	2022	NUM
ijtc-909	196	18	)	)	PUNCT
ijtc-909	196	19	.	.	PUNCT
ijtc-909	197	1	determinant	determinant	ADJ
ijtc-909	197	2	factors	factor	NOUN
ijtc-909	197	3	of	of	ADP
ijtc-909	197	4	non	non	ADJ
ijtc-909	197	5	-	-	ADJ
ijtc-909	197	6	performing	performing	ADJ
ijtc-909	197	7	loan	loan	NOUN
ijtc-909	197	8	in	in	ADP
ijtc-909	197	9	indonesian	indonesian	ADJ
ijtc-909	197	10	commercial	commercial	ADJ
ijtc-909	197	11	banks	bank	NOUN
ijtc-909	197	12	.	.	PUNCT
ijtc-909	198	1	jurnal	jurnal	ADJ
ijtc-909	198	2	bisnis	bisnis	PROPN
ijtc-909	198	3	,	,	PUNCT
ijtc-909	198	4	manajemen	manajeman	NOUN
ijtc-909	198	5	dan	dan	PROPN
ijtc-909	198	6	teknososiopreneur	teknososiopreneur	PROPN
ijtc-909	198	7	,	,	PUNCT
ijtc-909	198	8	1(1	1(1	NUM
ijtc-909	198	9	)	)	PUNCT
ijtc-909	198	10	.	.	PUNCT
ijtc-909	199	1	https://doi.org/10.31326/bimtek.v1i1.125	https://doi.org/10.31326/bimtek.v1i1.125	NOUN
ijtc-909	199	2	rabbanin	rabbanin	NOUN
ijtc-909	199	3	,	,	PUNCT
ijtc-909	199	4	m.	m.	NOUN
ijtc-909	199	5	,	,	PUNCT
ijtc-909	199	6	n.	n.	NOUN
ijtc-909	199	7	,	,	PUNCT
ijtc-909	199	8	&	&	CCONJ
ijtc-909	199	9	rahadian	rahadian	PROPN
ijtc-909	199	10	,	,	PUNCT
ijtc-909	199	11	d.	d.	PROPN
ijtc-909	199	12	(	(	PUNCT
ijtc-909	199	13	2022	2022	NUM
ijtc-909	199	14	)	)	PUNCT
ijtc-909	199	15	.	.	PUNCT
ijtc-909	200	1	faktor	faktor	NOUN
ijtc-909	200	2	-	-	PUNCT
ijtc-909	200	3	faktor	faktor	PROPN
ijtc-909	200	4	yang	yang	PROPN
ijtc-909	200	5	berpengaruh	berpengaruh	PROPN
ijtc-909	200	6	terhadap	terhadap	PROPN
ijtc-909	200	7	npl	npl	PROPN
ijtc-909	200	8	bank	bank	PROPN
ijtc-909	200	9	bumn	bumn	PROPN
ijtc-909	200	10	.	.	PUNCT
ijtc-909	201	1	journal	journal	PROPN
ijtc-909	201	2	of	of	ADP
ijtc-909	201	3	management	management	NOUN
ijtc-909	201	4	bus	bus	NOUN
ijtc-909	201	5	siness	siness	NOUN
ijtc-909	201	6	,	,	PUNCT
ijtc-909	201	7	5(1	5(1	NUM
ijtc-909	201	8	)	)	PUNCT
ijtc-909	201	9	,	,	PUNCT
ijtc-909	201	10	444–450	444–450	NUM
ijtc-909	201	11	.	.	PUNCT
ijtc-909	202	1	https://doi.org/10.37531/sejaman.v5i2.2326	https://doi.org/10.37531/sejaman.v5i2.2326	NOUN
ijtc-909	202	2	rahmani	rahmani	NOUN
ijtc-909	202	3	,	,	PUNCT
ijtc-909	202	4	n	n	PROPN
ijtc-909	202	5	a	a	DET
ijtc-909	202	6	b.	b.	PROPN
ijtc-909	202	7	(	(	PUNCT
ijtc-909	202	8	2022	2022	NUM
ijtc-909	202	9	)	)	PUNCT
ijtc-909	202	10	.	.	PUNCT
ijtc-909	203	1	analisis	analisis	NOUN
ijtc-909	203	2	pengaruh	pengaruh	NOUN
ijtc-909	203	3	non	non	ADJ
ijtc-909	203	4	performing	perform	VERB
ijtc-909	203	5	loan	loan	NOUN
ijtc-909	203	6	,	,	PUNCT
ijtc-909	203	7	loan	loan	NOUN
ijtc-909	203	8	to	to	ADP
ijtc-909	203	9	deposit	deposit	NOUN
ijtc-909	203	10	ratio	ratio	NOUN
ijtc-909	203	11	,	,	PUNCT
ijtc-909	203	12	biaya	biaya	PROPN
ijtc-909	203	13	operasional	operasional	PROPN
ijtc-909	203	14	terhadap	terhadap	PROPN
ijtc-909	203	15	pendapatan	pendapatan	PROPN
ijtc-909	203	16	operasional	operasional	PROPN
ijtc-909	203	17	terhadap	terhadap	PROPN
ijtc-909	203	18	kinerja	kinerja	PROPN
ijtc-909	203	19	keuangan	keuangan	PROPN
ijtc-909	203	20	pada	pada	PROPN
ijtc-909	203	21	bank	bank	PROPN
ijtc-909	203	22	umum	umum	PROPN
ijtc-909	203	23	syariah	syariah	PROPN
ijtc-909	203	24	.	.	PUNCT
ijtc-909	204	1	jurnal	jurnal	ADJ
ijtc-909	204	2	dinamika	dinamika	PROPN
ijtc-909	204	3	akuntansi	akuntansi	PROPN
ijtc-909	204	4	keuangan	keuangan	PROPN
ijtc-909	204	5	dan	dan	PROPN
ijtc-909	204	6	perbankan	perbankan	PROPN
ijtc-909	204	7	,	,	PUNCT
ijtc-909	204	8	11(1	11(1	NUM
ijtc-909	204	9	)	)	PUNCT
ijtc-909	204	10	,	,	PUNCT
ijtc-909	204	11	22–30	22–30	NUM
ijtc-909	204	12	.	.	PUNCT
ijtc-909	205	1	ranaldo	ranaldo	PROPN
ijtc-909	205	2	,	,	PUNCT
ijtc-909	205	3	a.	a.	NOUN
ijtc-909	205	4	,	,	PUNCT
ijtc-909	205	5	schaffner	schaffner	ADV
ijtc-909	205	6	,	,	PUNCT
ijtc-909	205	7	p.	p.	NOUN
ijtc-909	205	8	,	,	PUNCT
ijtc-909	205	9	&	&	CCONJ
ijtc-909	205	10	vasios	vasio	NOUN
ijtc-909	205	11	,	,	PUNCT
ijtc-909	205	12	m.	m.	NOUN
ijtc-909	205	13	(	(	PUNCT
ijtc-909	205	14	2021	2021	NUM
ijtc-909	205	15	)	)	PUNCT
ijtc-909	205	16	.	.	PUNCT
ijtc-909	206	1	regulatory	regulatory	ADJ
ijtc-909	206	2	effects	effect	NOUN
ijtc-909	206	3	on	on	ADP
ijtc-909	206	4	short	short	ADJ
ijtc-909	206	5	-	-	PUNCT
ijtc-909	206	6	term	term	NOUN
ijtc-909	206	7	interest	interest	NOUN
ijtc-909	206	8	rates	rate	NOUN
ijtc-909	206	9	.	.	PUNCT
ijtc-909	207	1	journal	journal	NOUN
ijtc-909	207	2	of	of	ADP
ijtc-909	207	3	financial	financial	ADJ
ijtc-909	207	4	economics	economic	NOUN
ijtc-909	207	5	,	,	PUNCT
ijtc-909	207	6	141(2	141(2	NUM
ijtc-909	207	7	)	)	PUNCT
ijtc-909	207	8	,	,	PUNCT
ijtc-909	207	9	750–770	750–770	NUM
ijtc-909	207	10	.	.	PUNCT
ijtc-909	208	1	https://doi.org/10.1016/j.jfineco.2021.04.016	https://doi.org/10.1016/j.jfineco.2021.04.016	PROPN
ijtc-909	208	2	rosita	rosita	PROPN
ijtc-909	208	3	,	,	PUNCT
ijtc-909	208	4	m.	m.	NOUN
ijtc-909	208	5	,	,	PUNCT
ijtc-909	208	6	&	&	CCONJ
ijtc-909	208	7	musdholifah	musdholifah	PROPN
ijtc-909	208	8	,	,	PUNCT
ijtc-909	208	9	m.	m.	NOUN
ijtc-909	208	10	(	(	PUNCT
ijtc-909	208	11	2018	2018	NUM
ijtc-909	208	12	)	)	PUNCT
ijtc-909	208	13	.	.	PUNCT
ijtc-909	209	1	pengaruh	pengaruh	NOUN
ijtc-909	209	2	makroekonomi	makroekonomi	NOUN
ijtc-909	209	3	,	,	PUNCT
ijtc-909	209	4	capital	capital	NOUN
ijtc-909	209	5	adequacy	adequacy	NOUN
ijtc-909	209	6	ratio	ratio	NOUN
ijtc-909	209	7	,	,	PUNCT
ijtc-909	209	8	loan	loan	NOUN
ijtc-909	209	9	to	to	AUX
ijtc-909	209	10	deposit	deposit	NOUN
ijtc-909	209	11	ratio	ratio	NOUN
ijtc-909	209	12	dan	dan	PROPN
ijtc-909	209	13	pertumbuhan	pertumbuhan	PROPN
ijtc-909	209	14	kredit	kredit	PROPN
ijtc-909	209	15	terhadap	terhadap	PROPN
ijtc-909	209	16	non	non	ADJ
ijtc-909	209	17	performing	perform	VERB
ijtc-909	209	18	loan	loan	NOUN
ijtc-909	209	19	pada	pada	PROPN
ijtc-909	209	20	bank	bank	PROPN
ijtc-909	209	21	asing	asing	PROPN
ijtc-909	209	22	di	di	PROPN
ijtc-909	209	23	indonesia	indonesia	PROPN
ijtc-909	209	24	periode	periode	PROPN
ijtc-909	209	25	2013	2013	NUM
ijtc-909	209	26	-	-	SYM
ijtc-909	209	27	2014	2014	NUM
ijtc-909	209	28	.	.	PUNCT
ijtc-909	210	1	bisma	bisma	PROPN
ijtc-909	210	2	(	(	PUNCT
ijtc-909	210	3	bisnis	bisnis	PROPN
ijtc-909	210	4	dan	dan	PROPN
ijtc-909	210	5	manajemen	manajemen	PROPN
ijtc-909	210	6	,	,	PUNCT
ijtc-909	210	7	8(2	8(2	NUM
ijtc-909	210	8	)	)	PUNCT
ijtc-909	210	9	,	,	PUNCT
ijtc-909	210	10	124	124	NUM
ijtc-909	210	11	.	.	PUNCT
ijtc-909	211	1	https://doi.org/10.26740/bisma.v8n2.p124	https://doi.org/10.26740/bisma.v8n2.p124	PROPN
ijtc-909	211	2	sartono	sartono	PROPN
ijtc-909	211	3	r.	r.	PROPN
ijtc-909	211	4	a.	a.	PROPN
ijtc-909	211	5	(	(	PUNCT
ijtc-909	211	6	2015	2015	NUM
ijtc-909	211	7	)	)	PUNCT
ijtc-909	211	8	.	.	PUNCT
ijtc-909	212	1	manajemen	manajeman	NOUN
ijtc-909	212	2	keuangan	keuangan	PROPN
ijtc-909	212	3	teori	teori	PROPN
ijtc-909	212	4	dan	dan	PROPN
ijtc-909	212	5	aplikasi	aplikasi	PROPN
ijtc-909	212	6	edisi	edisi	VERB
ijtc-909	212	7	4	4	NUM
ijtc-909	212	8	.	.	PUNCT
ijtc-909	212	9	bpfe	bpfe	PROPN
ijtc-909	212	10	.	.	PUNCT
ijtc-909	213	1	silbermayr	silbermayr	PROPN
ijtc-909	213	2	,	,	PUNCT
ijtc-909	213	3	l.	l.	PROPN
ijtc-909	213	4	,	,	PUNCT
ijtc-909	213	5	&	&	CCONJ
ijtc-909	213	6	minner	minner	PROPN
ijtc-909	213	7	,	,	PUNCT
ijtc-909	213	8	s.	s.	PROPN
ijtc-909	213	9	(	(	PUNCT
ijtc-909	213	10	2016	2016	NUM
ijtc-909	213	11	)	)	PUNCT
ijtc-909	213	12	.	.	PUNCT
ijtc-909	214	1	dual	dual	ADJ
ijtc-909	214	2	sourcing	source	VERB
ijtc-909	214	3	under	under	ADP
ijtc-909	214	4	disruption	disruption	NOUN
ijtc-909	214	5	risk	risk	NOUN
ijtc-909	214	6	and	and	CCONJ
ijtc-909	214	7	cost	cost	NOUN
ijtc-909	214	8	improvement	improvement	NOUN
ijtc-909	214	9	through	through	ADP
ijtc-909	214	10	learning	learn	VERB
ijtc-909	214	11	.	.	PUNCT
ijtc-909	215	1	european	european	PROPN
ijtc-909	215	2	journal	journal	PROPN
ijtc-909	215	3	of	of	ADP
ijtc-909	215	4	operational	operational	ADJ
ijtc-909	215	5	research	research	NOUN
ijtc-909	215	6	,	,	PUNCT
ijtc-909	215	7	250(1	250(1	NUM
ijtc-909	215	8	)	)	PUNCT
ijtc-909	215	9	,	,	PUNCT
ijtc-909	215	10	226–238	226–238	NUM
ijtc-909	215	11	.	.	PUNCT
ijtc-909	216	1	https://doi.org/10.1016/j.ejor.2015.09.017	https://doi.org/10.1016/j.ejor.2015.09.017	NOUN
ijtc-909	216	2	soekapdjo	soekapdjo	VERB
ijtc-909	216	3	,	,	PUNCT
ijtc-909	216	4	s.	s.	PROPN
ijtc-909	216	5	,	,	PUNCT
ijtc-909	216	6	tribudhi	tribudhi	PROPN
ijtc-909	216	7	,	,	PUNCT
ijtc-909	216	8	d.	d.	PROPN
ijtc-909	216	9	,	,	PUNCT
ijtc-909	216	10	&	&	CCONJ
ijtc-909	216	11	a.	a.	PROPN
ijtc-909	216	12	(	(	PUNCT
ijtc-909	216	13	2020	2020	NUM
ijtc-909	216	14	)	)	PUNCT
ijtc-909	216	15	.	.	PUNCT
ijtc-909	217	1	pengaruh	pengaruh	NOUN
ijtc-909	217	2	faktor	faktor	PROPN
ijtc-909	217	3	eksternal	eksternal	PROPN
ijtc-909	217	4	dan	dan	PROPN
ijtc-909	217	5	internal	internal	PROPN
ijtc-909	217	6	terhadap	terhadap	PROPN
ijtc-909	217	7	kredit	kredit	PROPN
ijtc-909	217	8	bermasalah	bermasalah	PROPN
ijtc-909	217	9	perbankan	perbankan	PROPN
ijtc-909	217	10	konvensional	konvensional	PROPN
ijtc-909	217	11	di	di	PROPN
ijtc-909	217	12	indonesia	indonesia	PROPN
ijtc-909	217	13	.	.	PROPN
ijtc-909	217	14	journal	journal	PROPN
ijtc-909	217	15	feb	feb	PROPN
ijtc-909	217	16	unmul	unmul	PROPN
ijtc-909	217	17	,	,	PUNCT
ijtc-909	217	18	17(2	17(2	NUM
ijtc-909	217	19	)	)	PUNCT
ijtc-909	217	20	,	,	PUNCT
ijtc-909	217	21	278–286	278–286	NUM
ijtc-909	217	22	.	.	PUNCT
ijtc-909	217	23	suryani	suryani	PROPN
ijtc-909	217	24	,	,	PUNCT
ijtc-909	217	25	i.	i.	PROPN
ijtc-909	217	26	,	,	PUNCT
ijtc-909	217	27	africa	africa	PROPN
ijtc-909	217	28	,	,	PUNCT
ijtc-909	217	29	l.	l.	PROPN
ijtc-909	217	30	,	,	PUNCT
ijtc-909	217	31	&	&	CCONJ
ijtc-909	217	32	a.	a.	PROPN
ijtc-909	217	33	(	(	PUNCT
ijtc-909	217	34	2021	2021	NUM
ijtc-909	217	35	)	)	PUNCT
ijtc-909	217	36	.	.	PUNCT
ijtc-909	218	1	pengaruh	pengaruh	NOUN
ijtc-909	218	2	car	car	NOUN
ijtc-909	218	3	,	,	PUNCT
ijtc-909	218	4	ldr	ldr	PROPN
ijtc-909	218	5	,	,	PUNCT
ijtc-909	218	6	roa	roa	PROPN
ijtc-909	218	7	,	,	PUNCT
ijtc-909	218	8	dan	dan	PROPN
ijtc-909	218	9	bopo	bopo	PROPN
ijtc-909	218	10	terhadap	terhadap	PROPN
ijtc-909	218	11	npl	npl	PROPN
ijtc-909	218	12	pada	pada	PROPN
ijtc-909	218	13	bank	bank	PROPN
ijtc-909	218	14	umum	umum	PROPN
ijtc-909	218	15	swasta	swasta	PROPN
ijtc-909	218	16	nasional	nasional	PROPN
ijtc-909	218	17	.	.	PUNCT
ijtc-909	219	1	jurnal	jurnal	ADJ
ijtc-909	219	2	ecopreneur	ecopreneur	PROPN
ijtc-909	219	3	,	,	PUNCT
ijtc-909	219	4	un	un	PROPN
ijtc-909	219	5	2021	2021	NUM
ijtc-909	219	6	,	,	PUNCT
ijtc-909	219	7	202–209	202–209	NUM
ijtc-909	219	8	.	.	PUNCT
ijtc-909	220	1	syahid	syahid	PROPN
ijtc-909	220	2	,	,	PUNCT
ijtc-909	220	3	d.	d.	PROPN
ijtc-909	220	4	c.	c.	PROPN
ijtc-909	220	5	n.	n.	PROPN
ijtc-909	220	6	(	(	PUNCT
ijtc-909	220	7	2016	2016	NUM
ijtc-909	220	8	)	)	PUNCT
ijtc-909	220	9	.	.	PUNCT
ijtc-909	221	1	pengaruh	pengaruh	NOUN
ijtc-909	221	2	faktor	faktor	PROPN
ijtc-909	221	3	eksternal	eksternal	PROPN
ijtc-909	221	4	dan	dan	PROPN
ijtc-909	221	5	internal	internal	PROPN
ijtc-909	221	6	terhadap	terhadap	PROPN
ijtc-909	221	7	kredit	kredit	PROPN
ijtc-909	221	8	bermasalah	bermasalah	PROPN
ijtc-909	221	9	serta	serta	PROPN
ijtc-909	221	10	dampaknya	dampaknya	PROPN
ijtc-909	221	11	terhadap	terhadap	PROPN
ijtc-909	221	12	cadangan	cadangan	VERB
ijtc-909	221	13	kerugian	kerugian	PROPN
ijtc-909	221	14	penurunan	penurunan	PROPN
ijtc-909	221	15	nilai	nilai	PROPN
ijtc-909	221	16	menurut	menurut	PROPN
ijtc-909	221	17	psak	psak	PROPN
ijtc-909	221	18	55	55	NUM
ijtc-909	221	19	.	.	PUNCT
ijtc-909	222	1	jurnal	jurnal	ADJ
ijtc-909	222	2	perbanas	perbanas	PROPN
ijtc-909	222	3	,	,	PUNCT
ijtc-909	222	4	2(1	2(1	NUM
ijtc-909	222	5	)	)	PUNCT
ijtc-909	222	6	,	,	PUNCT
ijtc-909	222	7	1–23	1–23	NOUN
ijtc-909	222	8	.	.	PUNCT
ijtc-909	223	1	https://doi.org/10.1016/s0957	https://doi.org/10.1016/s0957	NUM
ijtc-909	223	2	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-909	223	3	the	the	DET
ijtc-909	223	4	influence	influence	NOUN
ijtc-909	223	5	of	of	ADP
ijtc-909	223	6	operational	operational	ADJ
ijtc-909	223	7	costs	cost	NOUN
ijtc-909	223	8	on	on	ADP
ijtc-909	223	9	operating	operate	VERB
ijtc-909	223	10	income	income	NOUN
ijtc-909	223	11	and	and	CCONJ
ijtc-909	223	12	interest	interest	NOUN
ijtc-909	223	13	rates	rate	NOUN
ijtc-909	223	14	on	on	ADP
ijtc-909	223	15	nonperforming	nonperforme	VERB
ijtc-909	223	16	loans	loan	NOUN
ijtc-909	223	17	in	in	ADP
ijtc-909	223	18	banking	banking	NOUN
ijtc-909	223	19	companies	company	NOUN
ijtc-909	223	20	listed	list	VERB
ijtc-909	223	21	on	on	ADP
ijtc-909	223	22	the	the	DET
ijtc-909	223	23	indonesian	indonesian	ADJ
ijtc-909	223	24	stock	stock	PROPN
ijtc-909	223	25	exchange	exchange	PROPN
ijtc-909	223	26	safitri	safitri	PROPN
ijtc-909	223	27	,	,	PUNCT
ijtc-909	223	28	sulastri	sulastri	ADJ
ijtc-909	223	29	,	,	PUNCT
ijtc-909	223	30	and	and	CCONJ
ijtc-909	223	31	andriana	andriana	NOUN
ijtc-909	223	32	781	781	NUM
ijtc-909	223	33	|	|	ADV
ijtc-909	223	34	ilomata	ilomata	PROPN
ijtc-909	223	35	international	international	ADJ
ijtc-909	223	36	journal	journal	NOUN
ijtc-909	223	37	of	of	ADP
ijtc-909	223	38	tax	tax	PROPN
ijtc-909	223	39	&	&	CCONJ
ijtc-909	223	40	accounting	account	VERB
ijtc-909	223	41	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-909	223	42	wardani	wardani	ADJ
ijtc-909	223	43	,	,	PUNCT
ijtc-909	223	44	a.	a.	NOUN
ijtc-909	223	45	,	,	PUNCT
ijtc-909	223	46	p.	p.	PROPN
ijtc-909	223	47	,	,	PUNCT
ijtc-909	223	48	h.	h.	PROPN
ijtc-909	223	49	,	,	PUNCT
ijtc-909	223	50	&	&	CCONJ
ijtc-909	223	51	a	a	PRON
ijtc-909	223	52	,	,	PUNCT
ijtc-909	223	53	m.	m.	NOUN
ijtc-909	223	54	(	(	PUNCT
ijtc-909	223	55	2021a	2021a	NUM
ijtc-909	223	56	)	)	PUNCT
ijtc-909	223	57	.	.	PUNCT
ijtc-909	224	1	analisis	analisis	ADJ
ijtc-909	224	2	faktor	faktor	NOUN
ijtc-909	224	3	–	–	PUNCT
ijtc-909	224	4	faktor	faktor	PROPN
ijtc-909	224	5	yang	yang	PROPN
ijtc-909	224	6	mempengaruhi	mempengaruhi	VERB
ijtc-909	224	7	non	non	ADJ
ijtc-909	224	8	performing	perform	VERB
ijtc-909	224	9	loan	loan	NOUN
ijtc-909	224	10	(	(	PUNCT
ijtc-909	224	11	npl	npl	NOUN
ijtc-909	224	12	)	)	PUNCT
ijtc-909	224	13	di	di	PROPN
ijtc-909	224	14	indonesia	indonesia	PROPN
ijtc-909	224	15	pada	pada	PROPN
ijtc-909	224	16	bank	bank	PROPN
ijtc-909	224	17	umum	umum	PROPN
ijtc-909	224	18	konvesnsional	konvesnsional	PROPN
ijtc-909	225	1	yang	yang	PROPN
ijtc-909	225	2	terdaftar	terdaftar	PROPN
ijtc-909	225	3	di	di	PROPN
ijtc-909	225	4	bi	bi	PROPN
ijtc-909	225	5	tahun	tahun	PROPN
ijtc-909	225	6	2019	2019	NUM
ijtc-909	225	7	-	-	SYM
ijtc-909	225	8	2020	2020	NUM
ijtc-909	225	9	.	.	PUNCT
ijtc-909	226	1	diponegoro	diponegoro	PROPN
ijtc-909	226	2	journal	journal	PROPN
ijtc-909	226	3	of	of	ADP
ijtc-909	226	4	management	management	NOUN
ijtc-909	226	5	,	,	PUNCT
ijtc-909	226	6	10(3	10(3	NUM
ijtc-909	226	7	)	)	PUNCT
ijtc-909	226	8	,	,	PUNCT
ijtc-909	226	9	2337–3792	2337–3792	NUM
ijtc-909	226	10	.	.	PUNCT
ijtc-909	227	1	wardani	wardani	PROPN
ijtc-909	227	2	,	,	PUNCT
ijtc-909	227	3	a.	a.	NOUN
ijtc-909	227	4	,	,	PUNCT
ijtc-909	227	5	p.	p.	PROPN
ijtc-909	227	6	,	,	PUNCT
ijtc-909	227	7	h.	h.	PROPN
ijtc-909	227	8	,	,	PUNCT
ijtc-909	227	9	&	&	CCONJ
ijtc-909	227	10	a	a	PRON
ijtc-909	227	11	,	,	PUNCT
ijtc-909	227	12	m.	m.	NOUN
ijtc-909	227	13	(	(	PUNCT
ijtc-909	227	14	2021b	2021b	NUM
ijtc-909	227	15	)	)	PUNCT
ijtc-909	227	16	.	.	PUNCT
ijtc-909	228	1	analisis	analisis	ADJ
ijtc-909	228	2	faktor	faktor	NOUN
ijtc-909	228	3	–	–	PUNCT
ijtc-909	228	4	faktor	faktor	PROPN
ijtc-909	228	5	yang	yang	PROPN
ijtc-909	228	6	mempengaruhi	mempengaruhi	VERB
ijtc-909	228	7	non	non	ADJ
ijtc-909	228	8	performing	perform	VERB
ijtc-909	228	9	loan	loan	NOUN
ijtc-909	228	10	(	(	PUNCT
ijtc-909	228	11	npl	npl	NOUN
ijtc-909	228	12	)	)	PUNCT
ijtc-909	228	13	di	di	PROPN
ijtc-909	228	14	indonesia	indonesia	PROPN
ijtc-909	228	15	pada	pada	PROPN
ijtc-909	228	16	bank	bank	PROPN
ijtc-909	228	17	umum	umum	PROPN
ijtc-909	228	18	konvesnsional	konvesnsional	PROPN
ijtc-909	229	1	yang	yang	PROPN
ijtc-909	229	2	terdaftar	terdaftar	PROPN
ijtc-909	229	3	di	di	PROPN
ijtc-909	229	4	bi	bi	PROPN
ijtc-909	229	5	tahun	tahun	PROPN
ijtc-909	229	6	2019	2019	NUM
ijtc-909	229	7	-	-	SYM
ijtc-909	229	8	2020	2020	NUM
ijtc-909	229	9	.	.	PUNCT
ijtc-909	230	1	diponegoro	diponegoro	PROPN
ijtc-909	230	2	journal	journal	PROPN
ijtc-909	230	3	of	of	ADP
ijtc-909	230	4	management	management	NOUN
ijtc-909	230	5	,	,	PUNCT
ijtc-909	230	6	10(3	10(3	NUM
ijtc-909	230	7	)	)	PUNCT
ijtc-909	230	8	,	,	PUNCT
ijtc-909	230	9	2337–3792	2337–3792	NUM
ijtc-909	230	10	.	.	PUNCT
ijtc-909	231	1	wulandari	wulandari	PROPN
ijtc-909	231	2	,	,	PUNCT
ijtc-909	231	3	b.	b.	PROPN
ijtc-909	231	4	,	,	PUNCT
ijtc-909	231	5	khetrin	khetrin	PROPN
ijtc-909	231	6	,	,	PUNCT
ijtc-909	231	7	seviyani	seviyani	PROPN
ijtc-909	231	8	,	,	PUNCT
ijtc-909	231	9	k.	k.	PROPN
ijtc-909	231	10	,	,	PUNCT
ijtc-909	231	11	operasional	operasional	PROPN
ijtc-909	231	12	,	,	PUNCT
ijtc-909	231	13	b.	b.	PROPN
ijtc-909	231	14	,	,	PUNCT
ijtc-909	231	15	operasional	operasional	ADJ
ijtc-909	231	16	,	,	PUNCT
ijtc-909	231	17	p.	p.	PROPN
ijtc-909	231	18	,	,	PUNCT
ijtc-909	231	19	suryani	suryani	PROPN
ijtc-909	231	20	,	,	PUNCT
ijtc-909	231	21	i.	i.	PROPN
ijtc-909	231	22	,	,	PUNCT
ijtc-909	231	23	africa	africa	PROPN
ijtc-909	231	24	,	,	PUNCT
ijtc-909	231	25	l.	l.	PROPN
ijtc-909	231	26	,	,	PUNCT
ijtc-909	231	27	&	&	CCONJ
ijtc-909	231	28	a.	a.	PROPN
ijtc-909	231	29	(	(	PUNCT
ijtc-909	231	30	2021	2021	NUM
ijtc-909	231	31	)	)	PUNCT
ijtc-909	231	32	.	.	PUNCT
ijtc-909	232	1	pengaruh	pengaruh	NOUN
ijtc-909	232	2	loan	loan	NOUN
ijtc-909	232	3	to	to	PART
ijtc-909	232	4	deposit	deposit	VERB
ijtc-909	232	5	ratio	ratio	NOUN
ijtc-909	232	6	(	(	PUNCT
ijtc-909	232	7	ldr	ldr	PROPN
ijtc-909	232	8	.	.	PUNCT
ijtc-909	233	1	jurnal	jurnal	ADJ
ijtc-909	233	2	ecopreneur	ecopreneur	PROPN
ijtc-909	233	3	,	,	PUNCT
ijtc-909	233	4	14	14	NUM
ijtc-909	233	5	,	,	PUNCT
ijtc-909	233	6	202–209	202–209	NUM
ijtc-909	233	7	.	.	PUNCT
ijtc-909	234	1	zariyawati1	zariyawati1	PROPN
ijtc-909	234	2	,	,	PUNCT
ijtc-909	234	3	m.	m.	NOUN
ijtc-909	234	4	,	,	PUNCT
ijtc-909	234	5	a.	a.	PROPN
ijtc-909	234	6	,	,	PUNCT
ijtc-909	234	7	h.	h.	PROPN
ijtc-909	234	8	,	,	PUNCT
ijtc-909	234	9	m	m	PROPN
ijtc-909	234	10	,	,	PUNCT
ijtc-909	234	11	t.	t.	NOUN
ijtc-909	234	12	,	,	PUNCT
ijtc-909	234	13	mujb	mujb	ADJ
ijtc-909	234	14	,	,	PUNCT
ijtc-909	234	15	k.	k.	PROPN
ijtc-909	234	16	,	,	PUNCT
ijtc-909	234	17	&	&	CCONJ
ijtc-909	234	18	a	a	PRON
ijtc-909	234	19	,	,	PUNCT
ijtc-909	234	20	m.	m.	NOUN
ijtc-909	234	21	(	(	PUNCT
ijtc-909	234	22	2021	2021	NUM
ijtc-909	234	23	)	)	PUNCT
ijtc-909	234	24	.	.	PUNCT
ijtc-909	235	1	determinant	determinant	ADJ
ijtc-909	235	2	factors	factor	NOUN
ijtc-909	235	3	of	of	ADP
ijtc-909	235	4	non	non	ADJ
ijtc-909	235	5	-	-	ADJ
ijtc-909	235	6	performing	performing	ADJ
ijtc-909	235	7	loan	loan	NOUN
ijtc-909	235	8	among	among	ADP
ijtc-909	235	9	non	non	ADJ
ijtc-909	235	10	-	-	ADJ
ijtc-909	235	11	bank	bank	ADJ
ijtc-909	235	12	financial	financial	ADJ
ijtc-909	235	13	intermediaries	intermediary	NOUN
ijtc-909	235	14	in	in	ADP
ijtc-909	235	15	malaysia	malaysia	PROPN
ijtc-909	235	16	.	.	PUNCT
ijtc-909	236	1	international	international	ADJ
ijtc-909	236	2	journal	journal	PROPN
ijtc-909	236	3	of	of	ADP
ijtc-909	236	4	business	business	NOUN
ijtc-909	236	5	and	and	CCONJ
ijtc-909	236	6	management	management	NOUN
ijtc-909	236	7	,	,	PUNCT
ijtc-909	236	8	16(8	16(8	NUM
ijtc-909	236	9	)	)	PUNCT
ijtc-909	236	10	.	.	PUNCT
ijtc-909	237	1	https://doi.org/10.5539/ijbm.v16n8p48	https://doi.org/10.5539/ijbm.v16n8p48	VERB
ijtc-909	237	2	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV