{"id":"W3173830013","doi":"10.3390/jrfm14070286","title":"Determinants of Financial Inclusion in Small and Medium Enterprises: Evidence from Ethiopia","year":2021,"lang":"en","type":"article","venue":"Journal of risk and financial management","topic":"Microfinance and Financial Inclusion","field":"Economics, Econometrics and Finance","cited_by":50,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"World Bank Group","keywords":"Financial inclusion; Collateral; Poverty; Business; Access to finance; Small and medium-sized enterprises; Supply side; Finance; Inclusion (mineral); Financial services; Financial system; Economics; Economic growth; Commerce","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":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001271064,0.0002013442,0.0007989989,0.000386834,0.0001872514,0.00003811305,0.0002817287,0.0001902792,0.00003049533],"category_scores_gemma":[0.0007899309,0.0002127598,0.0001344119,0.0003731391,0.00009399741,0.0003048685,0.001525263,0.0003580404,0.000005190697],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00007582067,"about_ca_system_score_gemma":0.00008642596,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0007642615,"about_ca_topic_score_gemma":0.001109128,"domain_scores_codex":[0.9978486,0.00005264955,0.001359813,0.0003736842,0.0001028004,0.0002624033],"domain_scores_gemma":[0.9983537,0.0001410033,0.001089097,0.0002281487,0.0001022833,0.00008576219],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0003559532,0.0002463655,0.8464626,0.0002102227,0.00001104439,0.0004872139,0.005121646,0.00001495902,0.0004138669,0.004035684,0.0002106375,0.1424298],"study_design_scores_gemma":[0.001427053,0.000206378,0.9122955,0.001114883,0.00003591489,0.00001681691,0.0001240449,0.00005223194,0.001493374,0.06730137,0.01568582,0.0002466222],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.960972,0.0272544,0.01054692,0.0001375813,0.0006840046,0.0001414429,0.00007425302,0.000003604472,0.0001857985],"genre_scores_gemma":[0.9268259,0.06900181,0.003709895,0.000196066,0.0001859981,0.000003898781,0.000002162009,0.00001334869,0.00006095642],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.1421832,"threshold_uncertainty_score":0.8676095,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02039100167689286,"score_gpt":0.2352067731593299,"score_spread":0.2148157714824371,"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."}}