{"id":"W2332909807","doi":"10.1080/17530350.2015.1135472","title":"Peer lending and the subsumption of the informal","year":2016,"lang":"en","type":"article","venue":"Journal of Cultural Economy","topic":"Housing, Finance, and Neoliberalism","field":"Economics, Econometrics and Finance","cited_by":41,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"University of Toronto; Social Sciences and Humanities Research Council of Canada; University of Arizona","keywords":"Mainstream; Agency (philosophy); Financial services; Sociology; Credit score; Financialization; Finance; Economics; Qualitative research; Business; Social science; Political science; Law","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":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.0006955593,0.00007894886,0.0002795199,0.00005459916,0.00009078509,0.00004864848,0.000200617,0.00004631239,0.00009248096],"category_scores_gemma":[0.00003774595,0.00003435394,0.00017608,0.00005528483,0.0001890009,0.0007884545,0.00003970554,0.0001077673,0.00001954073],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00003511825,"about_ca_system_score_gemma":0.0000149423,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.00002332878,"about_ca_topic_score_gemma":0.000008004566,"domain_scores_codex":[0.9991256,0.00001353461,0.0006356005,0.00006811077,0.00003354986,0.0001235922],"domain_scores_gemma":[0.998683,0.00005202387,0.001023261,0.000110687,0.00009876464,0.00003226184],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"not_applicable","study_design_scores_codex":[0.0002342471,0.00003605376,0.05143193,0.00003980784,0.0001895109,0.000002049082,0.00853437,0.00005176294,0.0002473374,0.912879,0.006783118,0.01957081],"study_design_scores_gemma":[0.002669272,0.00004955044,0.04785187,0.00006235948,0.00001406768,0.0001072859,0.0002553769,0.00005421206,0.0007211504,0.006236549,0.9418524,0.000125906],"study_design_candidate":"not_applicable","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9397834,0.0008022554,0.0002191075,0.006528119,0.0004685144,0.00007758277,0.000009410883,0.000002540511,0.05210906],"genre_scores_gemma":[0.9949675,0.0004595376,0.00009599504,0.0002433885,0.0002098114,0.000001404688,1.844162e-7,0.000005063525,0.004017094],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.9350693,"threshold_uncertainty_score":0.1400913,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02543952743168125,"score_gpt":0.2173696944785315,"score_spread":0.1919301670468503,"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."}}