{"id":"W3141319973","doi":"","title":"Islamic Bank Incentives and Discretionary Loan Loss Provisions","year":2014,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"Islamic Finance and Banking Studies","field":"Business, Management and Accounting","cited_by":3,"is_retracted":false,"has_abstract":true,"ca_institutions":"Thomson Reuters (Canada)","funders":"","keywords":"Loan; Business; Incentive; Provisioning; Profit (economics); Islam; Participation loan; Finance; Non-performing loan; Actuarial science; Financial system; Economics; Microeconomics","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":[0.001544034,0.00008652077,0.0001879834,0.0005688019,0.0003117018,0.001245302,0.0001798935,0.0003561625,0.003681343],"category_scores_gemma":[0.01317237,0.000111932,0.00007660714,0.0005831931,0.0004144601,0.0005604936,0.0005860614,0.0004785725,0.0005775625],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0004154793,"about_ca_system_score_gemma":0.0003969593,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0008978782,"about_ca_topic_score_gemma":0.001531796,"domain_scores_codex":[0.9989735,0.0003587085,0.0001231156,0.00008211486,0.0002559348,0.0002066152],"domain_scores_gemma":[0.9664153,0.006373907,0.02354609,0.0008910131,0.0009419926,0.001831636],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0006377936,0.0004705108,0.9584234,0.00004715916,0.00003234883,0.0001873805,0.0008349895,0.001649739,0.00194211,0.004989151,0.0007943661,0.02999098],"study_design_scores_gemma":[0.00002405699,0.0001291996,0.9945307,0.00001977816,0.000008106117,0.0001152769,0.0006083546,0.001554839,0.000264855,0.001709773,0.001022997,0.00001204194],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.99774,0.0000536306,0.0001210497,0.00009989375,0.000002878042,0.000006929353,0.00003677361,0.000004173122,0.001934723],"genre_scores_gemma":[0.9995003,0.00002358841,0.00006126912,0.00001373284,0.000004180436,0.000002511425,0.00002257474,7.269957e-7,0.0003712007],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.003681343,"threshold_uncertainty_score":0.01231527,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.003872658734497927,"score_gpt":0.1990136617669046,"score_spread":0.1951410030324067,"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."}}