{"id":"W170718266","doi":"10.1016/j.irfa.2016.08.004","title":"Financial literacy and over-indebtedness in low-income households","year":2016,"lang":"en","type":"article","venue":"International Review of Financial Analysis","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":187,"is_retracted":false,"has_abstract":false,"ca_institutions":"","funders":"Economic and Social Research Council; Queen's University; Queen's University Belfast","keywords":"Financial literacy; Numeracy; Disadvantaged; Debt; Finance; Net worth; Economics; Sample (material); Endogeneity; Financial services; Business; Consumption (sociology); Literacy; Economic growth","routes":{"ca_aff":false,"ca_fund":true,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.0007260255,0.0001670797,0.0003659195,0.001535807,0.0003923992,0.001087824,0.0002526984,0.0006851109,0.002194504],"category_scores_gemma":[0.006248503,0.0001373825,0.0003016074,0.001961925,0.0006321137,0.0008942368,0.0008173815,0.0012421,0.0001805756],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.000383996,"about_ca_system_score_gemma":0.0004760875,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.01250265,"about_ca_topic_score_gemma":0.01528323,"domain_scores_codex":[0.999699,0.0001134141,0.00003488595,0.00003228599,0.00004191823,0.00007843022],"domain_scores_gemma":[0.995629,0.001472089,0.001637334,0.00005569084,0.0004975662,0.0007084008],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0001050315,0.0002168075,0.9297304,0.0003708402,0.0001551385,0.0003424838,0.001142577,0.0001331382,0.00008238808,0.002035837,0.003099905,0.06258549],"study_design_scores_gemma":[0.000006112411,0.00006299223,0.9921911,0.0004614998,0.0001006294,0.0002015588,0.001769452,0.0001939968,0.00003740911,0.001978357,0.002985503,0.00001136162],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.8876547,0.09431436,0.0002521071,0.009709794,0.0002300118,0.00001278529,0.0006351548,0.000005608442,0.007185515],"genre_scores_gemma":[0.9710905,0.02659397,0.0001027584,0.000631947,0.0003537284,0.00001317453,0.000262446,0.000001602485,0.0009498466],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.01250265,"threshold_uncertainty_score":0.02485973,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.008455885066569874,"score_gpt":0.2579555520256938,"score_spread":0.2494996669591239,"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."}}