{"id":"W2475957509","doi":"10.4018/978-1-59140-243-5.ch003","title":"Credit Scoring and Risk Management for Small Business Lending","year":2004,"lang":"en","type":"book-chapter","venue":"IGI Global eBooks","topic":"Financial Distress and Bankruptcy Prediction","field":"Business, Management and Accounting","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Las vegas; Odds; Quarter (Canadian coin); Business; Tourism; Economics; Actuarial science; Computer science; Geography; Political science; Law","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":false,"about_ca":true,"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":[0.001443148,0.0009918819,0.0005614012,0.0008704935,0.0005804966,0.003001462,0.0009103388,0.0009917374,0.01445277],"category_scores_gemma":[0.005375515,0.0003022083,0.0003623832,0.001769689,0.001249527,0.002647645,0.001018454,0.001958651,0.003565772],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001246571,"about_ca_system_score_gemma":0.001173558,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.002771937,"about_ca_topic_score_gemma":0.00355793,"domain_scores_codex":[0.9993486,0.0002123891,0.00003049945,0.00005120339,0.0003223534,0.00003496106],"domain_scores_gemma":[0.9987489,0.000717803,0.00008804139,0.0001308136,0.0002237598,0.00009076694],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"design_other","study_design_gemma":"not_applicable","study_design_scores_codex":[0.00006055352,0.0001390196,0.001594159,0.0002600251,0.00003146369,0.0001679998,0.0004278965,0.0340687,0.0005009131,0.2187887,0.09637089,0.6475897],"study_design_scores_gemma":[0.00002205825,0.00006469853,0.003484861,0.0003639744,0.00002089384,0.0002384871,0.0003057619,0.0959812,0.0004051915,0.7926086,0.1064635,0.0000408136],"study_design_candidate":"not_applicable","study_design_consensus":null,"genre_codex":"other","genre_gemma":"other","genre_scores_codex":[0.03565374,0.1483962,0.3618019,0.01391304,0.002464365,0.0002485288,0.0004989887,0.001645834,0.4353774],"genre_scores_gemma":[0.5676711,0.07131352,0.09780593,0.0005987095,0.00351762,0.0002819085,0.000674008,0.0003201509,0.2578171],"genre_candidate":"other","genre_consensus":"other","teacher_disagreement_score":0.01445277,"threshold_uncertainty_score":0.04834926,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01879179678299532,"score_gpt":0.2086928854787654,"score_spread":0.1899010886957701,"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."}}