{"id":"W1869584712","doi":"10.5539/ijef.v7n11p110","title":"Determinants of Microfinance Repayment Performance: Evidence from Small Medium Enterprises in Malaysia","year":2015,"lang":"en","type":"article","venue":"International Journal of Economics and Finance","topic":"Microfinance and Financial Inclusion","field":"Economics, Econometrics and Finance","cited_by":22,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Microfinance; Collateral; Loan; Business; Finance; Participation loan; Non-conforming loan; Small and medium-sized enterprises; Financial system; Working capital; Term loan; Non-performing loan; Economics; Economic growth","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":true,"about_ca":false,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.0008830521,0.0001823136,0.0006437402,0.0003261029,0.00002691434,0.000044921,0.0006358497,0.0001184944,0.00001732442],"category_scores_gemma":[0.0002225154,0.0002021729,0.0001213216,0.0001026665,0.0001063749,0.000612405,0.0002194273,0.0001916102,0.00002152494],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0002154552,"about_ca_system_score_gemma":0.0001456778,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0006746462,"about_ca_topic_score_gemma":0.0001470541,"domain_scores_codex":[0.9977978,0.00001375856,0.001602615,0.000316141,0.00005426387,0.0002153472],"domain_scores_gemma":[0.9972265,0.00007026859,0.002223489,0.0002107416,0.0002089781,0.00006004727],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.000594601,0.0001881058,0.9752404,0.00002110886,0.00004009106,0.00006062098,0.001536435,0.002057903,0.0001939709,0.004510758,0.0002836887,0.01527233],"study_design_scores_gemma":[0.004444791,0.0008464427,0.8718829,0.001807299,0.00001935763,0.0001765793,0.0002084542,0.01853936,0.01722003,0.03617691,0.04791508,0.000762779],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9857321,0.01147505,0.0002253361,0.0004068148,0.001635244,0.00009398392,0.0001027787,0.000002018467,0.00032672],"genre_scores_gemma":[0.9401017,0.05662459,0.002777321,0.000118823,0.0002232641,0.000004964697,0.000003372816,0.00001524785,0.0001306502],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.1033575,"threshold_uncertainty_score":0.824437,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.04809269873522969,"score_gpt":0.2540268060887787,"score_spread":0.205934107353549,"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."}}