{"id":"W3121953232","doi":"","title":"Credit Risk Assessment in the Microfinance Industry: An Application to a Selected Group of Vietnamese Microfinance Institutions and an Extension to East Asian and Pacific Microfinance Institutions","year":2009,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"Microfinance and Financial Inclusion","field":"Economics, Econometrics and Finance","cited_by":1,"is_retracted":false,"has_abstract":true,"ca_institutions":"Université du Québec","funders":"","keywords":"Microfinance; Outreach; Credit risk; Vietnamese; Risk management; Business; Corporate governance; Credit rating; Margin (machine learning); Accounting; Actuarial science; Finance; Economics; Economic growth","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.003598836,0.0005187876,0.0004794044,0.002483989,0.001140752,0.00162978,0.0005588255,0.0008335925,0.002436352],"category_scores_gemma":[0.009670362,0.0001374765,0.0005306944,0.003365608,0.00073667,0.001270355,0.002137978,0.0008317192,0.0002894557],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001981604,"about_ca_system_score_gemma":0.001051949,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.02315101,"about_ca_topic_score_gemma":0.02081772,"domain_scores_codex":[0.9987935,0.0006797785,0.00006670908,0.0001192357,0.0001845218,0.0001562679],"domain_scores_gemma":[0.9916272,0.004886994,0.001317354,0.0002650393,0.001224339,0.0006790566],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0004039053,0.00187131,0.852901,0.0002069177,0.0001261059,0.001043053,0.01133874,0.01161578,0.0009710466,0.003592333,0.001211498,0.1147183],"study_design_scores_gemma":[0.00008873535,0.002084641,0.828743,0.0002157624,0.0001464734,0.00108616,0.04688162,0.1091681,0.001952509,0.006559792,0.002980354,0.00009283869],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9959598,0.0001574651,0.001767605,0.0001865651,0.000004608992,0.00007163551,0.00004079664,0.0000067044,0.001804775],"genre_scores_gemma":[0.9964733,0.0002643975,0.002386814,0.00002515603,0.00001198238,0.00004424556,0.0000637359,0.00000285644,0.000727569],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.02315101,"threshold_uncertainty_score":0.04603249,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.0197521235684314,"score_gpt":0.2795721705754776,"score_spread":0.2598200470070462,"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."}}