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== Top 20 FREQUENT WORDS ==
insurance 10
icmif 8
microinsurance 8
countries 7
members 7
development 5
poverty 5
providing 5
takaful 5
cooperative 4
expertise 4
function 4
model 4
muslim 4
<U+F0D8>financial 3
agent 3
alleviation 3
donor 3
mutual 3
sector 3



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