{"id":"W2766380526","doi":"10.1590/1984-9240835","title":"Why microfinance institutions exist: lending groups as a mechanism to enhance informational symmetry and enforcement activities","year":2017,"lang":"en","type":"article","venue":"Organizações & Sociedade","topic":"Microfinance and Financial Inclusion","field":"Economics, Econometrics and Finance","cited_by":4,"is_retracted":false,"has_abstract":true,"ca_institutions":"HEC Montréal","funders":"HEC Montréal; Fundação de Amparo à Pesquisa do Estado do Rio Grande do Sul","keywords":"Microfinance; Enforcement; Context (archaeology); Dilemma; Business; Mechanism (biology); Population; Public economics; Economics; Economic growth; Political science; Law; Sociology","routes":{"ca_aff":true,"ca_fund":true,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":["metaepi_narrow","sts"],"consensus_categories":[],"category_scores_codex":[0.0003524154,0.000262892,0.00040509,0.0001744083,0.002041837,0.000510555,0.0005561009,0.0001844602,0.0003067082],"category_scores_gemma":[0.0002470631,0.0003211976,0.00008826273,0.0002068611,0.0001546697,0.001953274,0.0006545645,0.0002294406,0.0005881],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0002664583,"about_ca_system_score_gemma":0.00008519229,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.00056446,"about_ca_topic_score_gemma":0.00008727118,"domain_scores_codex":[0.998436,0.000007173657,0.0005305806,0.0004774984,0.00008683436,0.0004618832],"domain_scores_gemma":[0.9987382,0.0000243258,0.0005140915,0.0005510602,0.00004969153,0.0001226679],"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":[0.00001147418,0.00004205338,0.002014355,0.00004050301,0.00002247552,0.000003067943,0.003473806,0.000002940843,0.006050548,0.9840754,0.003377371,0.0008860098],"study_design_scores_gemma":[0.001030388,0.0002821938,0.0172969,0.0002691188,0.00002689948,0.00005389634,0.002567281,0.00007192665,0.1267815,0.1971809,0.6528538,0.001585153],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.912034,0.001275102,0.03134742,0.003343655,0.001021074,0.0004995444,0.0002609243,0.00008185511,0.05013638],"genre_scores_gemma":[0.9898539,0.001458298,0.002321365,0.003336365,0.0002119723,0.00004181432,0.00002745677,0.00003299672,0.002715898],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.7868945,"threshold_uncertainty_score":0.999924,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02639168067446687,"score_gpt":0.2757363833409294,"score_spread":0.2493447026664625,"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."}}