{"id":"W3040127243","doi":"10.5430/ijfr.v11n3p73","title":"Credit Risk Assessment Models of Retail Microfinancing: The Case of a Malaysian National Savings Bank’s Branch","year":2020,"lang":"en","type":"article","venue":"International Journal of Financial Research","topic":"Islamic Finance and Banking Studies","field":"Business, Management and Accounting","cited_by":6,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Microfinance; Logistic regression; Business; Credit rating; Payment; Credit score; Sample (material); Credit history; Actuarial science; Credit risk; Bond credit rating; Probability of default; Credit reference; Finance; Economics; Computer science","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":true,"about_ca":false,"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":[0.003574172,0.0006526047,0.0005579843,0.001054778,0.0007864712,0.002385324,0.001582447,0.001625312,0.002992146],"category_scores_gemma":[0.006007188,0.0004273093,0.0009738916,0.0006603499,0.0007744326,0.001686804,0.0009953831,0.001770754,0.000360672],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.002989845,"about_ca_system_score_gemma":0.001487928,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.05992633,"about_ca_topic_score_gemma":0.04245679,"domain_scores_codex":[0.9992383,0.0004278308,0.00003955009,0.0001217403,0.0000604019,0.0001122361],"domain_scores_gemma":[0.9943856,0.003884481,0.0006104603,0.0001447742,0.0007228056,0.0002517839],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"simulation_or_modeling","study_design_gemma":"observational","study_design_scores_codex":[0.0004878774,0.0004085234,0.1135798,0.0001047646,0.0001168291,0.001852753,0.001942789,0.832875,0.0006142045,0.0217123,0.001801065,0.02450413],"study_design_scores_gemma":[0.00001369084,0.00007248655,0.008567108,0.0000269021,0.0000269765,0.000132601,0.000507166,0.9857317,0.000127571,0.004438676,0.0003345842,0.00002052959],"study_design_candidate":"observational","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9693204,0.0003938076,0.02089369,0.001882485,0.0000192076,0.00009641139,0.0002043515,0.0001036216,0.00708607],"genre_scores_gemma":[0.9939706,0.0001209538,0.003413001,0.00002559711,0.000007962755,0.00002435079,0.00007324676,0.000006256789,0.002358076],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.05992633,"threshold_uncertainty_score":0.119155,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.07048167327518838,"score_gpt":0.3423793463341113,"score_spread":0.2718976730589229,"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."}}