{"id":"W2014084777","doi":"10.1007/s11187-010-9283-6","title":"The latent demand for bank debt: characterizing “discouraged borrowers”","year":2010,"lang":"en","type":"article","venue":"Small Business Economics","topic":"Corporate Finance and Governance","field":"Business, Management and Accounting","cited_by":223,"is_retracted":false,"has_abstract":false,"ca_institutions":"University of Ottawa","funders":"","keywords":"Loan; Entrepreneurship; Debt; Business; Small business; Empirical evidence; Scale (ratio); Finance; Economics","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001054684,0.0001631136,0.0004369171,0.0008754497,0.0003826813,0.001660879,0.0005512097,0.0009887632,0.004285202],"category_scores_gemma":[0.007601548,0.0002084424,0.0002049168,0.0007567461,0.000742997,0.001010486,0.0007211084,0.0009161653,0.0006544992],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0003789456,"about_ca_system_score_gemma":0.0003205836,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.002013036,"about_ca_topic_score_gemma":0.003380043,"domain_scores_codex":[0.9996703,0.0001054001,0.00003664536,0.00004824702,0.00006006799,0.00007927832],"domain_scores_gemma":[0.9894353,0.004848406,0.003569791,0.0005280463,0.0005250011,0.001093617],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0003553,0.0002822196,0.9809189,0.00004311725,0.00005067553,0.0001811941,0.0009464943,0.001102116,0.002053114,0.007850569,0.0005414687,0.005674651],"study_design_scores_gemma":[0.00003588834,0.0002183711,0.9699562,0.00002567271,0.00004372272,0.0003216923,0.002866001,0.01426393,0.0007557434,0.009884682,0.001608914,0.00001918368],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9977509,0.00003861948,0.0006099948,0.0002467672,0.000001427451,0.000007797806,0.0001777669,0.000003472625,0.001163272],"genre_scores_gemma":[0.9989874,0.00004718778,0.0001325922,0.00002878453,0.00001237858,0.000007393796,0.000250088,0.000001949454,0.0005323644],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.004285202,"threshold_uncertainty_score":0.01433545,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01777508597263213,"score_gpt":0.1902431987162776,"score_spread":0.1724681127436454,"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."}}