{"id":"W2631610529","doi":"","title":"Curbing Reckless and Predatory Lending: A Statutory Analysis of South Africa's National Credit Act","year":2016,"lang":"en","type":"article","venue":"Research Online (University of Wollongong)","topic":"Legal Issues in South Africa","field":"Social Sciences","cited_by":3,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Statutory law; Legislation; Business; 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":[0.006509223,0.0003033812,0.0003434547,0.002723099,0.004436781,0.005381785,0.001117233,0.003765752,0.002840641],"category_scores_gemma":[0.01753869,0.0003573337,0.0004214359,0.002210366,0.01229215,0.00360217,0.002944568,0.004233018,0.0002245013],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.01109241,"about_ca_system_score_gemma":0.02079024,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.05303449,"about_ca_topic_score_gemma":0.06471059,"domain_scores_codex":[0.9946429,0.001693114,0.000384789,0.0003109775,0.001930724,0.001037637],"domain_scores_gemma":[0.991198,0.005469773,0.001505466,0.0004531616,0.001131157,0.0002423862],"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":[0.0000152174,0.00001867094,0.00284852,0.0000800837,0.000005420567,0.0004248495,0.0117619,0.0004514234,0.0003342752,0.9748777,0.002083973,0.007097804],"study_design_scores_gemma":[0.00005871295,0.0001387611,0.0517578,0.003384678,0.0001573411,0.001785155,0.03967337,0.006802207,0.004045927,0.4902827,0.4017269,0.0001864855],"study_design_candidate":"not_applicable","study_design_consensus":null,"genre_codex":"other","genre_gemma":"empirical","genre_scores_codex":[0.3781052,0.008856485,0.01888807,0.07762267,0.0003160328,0.000541936,0.0002954243,0.00006318491,0.515311],"genre_scores_gemma":[0.9752666,0.002169779,0.00378193,0.003995634,0.00008316794,0.0002122108,0.00003198097,0.00001630704,0.01444248],"genre_candidate":"empirical","genre_consensus":null,"teacher_disagreement_score":0.05303449,"threshold_uncertainty_score":0.1054516,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.1258047820890339,"score_gpt":0.3869839508270283,"score_spread":0.2611791687379944,"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."}}