{"id":"W1532981004","doi":"10.1023/a:1012556327791","title":"Does Local Competition Impact Interest Rates Charged on Small Business Loans? Empirical Evidence from Canada","year":2001,"lang":"en","type":"article","venue":"Review of Industrial Organization","topic":"Firm Innovation and Growth","field":"Economics, Econometrics and Finance","cited_by":16,"is_retracted":false,"has_abstract":false,"ca_institutions":"Canadian Wildlife Federation","funders":"","keywords":"Proxy (statistics); Loan; Business; Small business; The Internet; Relation (database); Actuarial science; Economics; Marketing; Finance; Computer science; Database; World Wide Web","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":true,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":["insufficient_payload"],"consensus_categories":[],"category_scores_codex":[0.000342831,0.0001543937,0.0004867264,0.000092979,0.00005371873,0.00003352425,0.0001813018,0.0001197547,0.002760987],"category_scores_gemma":[0.002209601,0.0001172523,0.00004522572,0.001629452,0.00003257433,0.0001765814,0.00002781056,0.0001648334,0.0001064491],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0003516588,"about_ca_system_score_gemma":0.0002519557,"about_ca_topic_candidate":true,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.06830115,"about_ca_topic_score_gemma":0.01383692,"domain_scores_codex":[0.9986387,0.00005063761,0.0008373141,0.0002681089,0.00006593793,0.000139291],"domain_scores_gemma":[0.9986705,0.0001228486,0.0005751221,0.0002280263,0.0003447915,0.0000586767],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.00005183372,0.0001347716,0.9747995,0.0004784793,0.00006617792,0.000006007926,0.00004439608,0.00005074394,0.0001007686,0.005522823,0.01387402,0.004870515],"study_design_scores_gemma":[0.002153961,0.0002720259,0.9166472,0.0240268,0.00006206924,0.000008795895,0.00006330475,0.0003622888,0.005982505,0.001012633,0.04844023,0.0009681833],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9725997,0.00544216,0.005779121,0.0136764,0.001340639,0.0005673346,0.0003102516,0.00003796173,0.0002464532],"genre_scores_gemma":[0.9845884,0.01319857,0.00003184389,0.001352462,0.0002821661,0.000003679771,0.0004793213,0.0000215848,0.00004199595],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.05815225,"threshold_uncertainty_score":0.9981506,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.1431228705265541,"score_gpt":0.2832925763641714,"score_spread":0.1401697058376173,"validation_status":"score_only:v0-immature-baseline","note":"Baseline scores from an immature model (maturity gate not passed). Scores rank; they never assert a category."}}