{"id":"W3180000231","doi":"10.3390/jrfm14070320","title":"Loan Delinquency: Some Determining Factors","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":10,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Collateral; Loan; Flexibility (engineering); Debt; Non-performing loan; Juvenile delinquency; Business; Perspective (graphical); Actuarial science; Participation loan; Default; Economics; Finance; Computer science; Psychology","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":[0.0005304071,0.0001678144,0.0004961288,0.0002688087,0.000245441,0.00007057307,0.0001755266,0.000105357,0.00005787536],"category_scores_gemma":[0.0001853389,0.0001724434,0.0001894483,0.0002562487,0.00004941559,0.0003705242,0.0001771576,0.0002633883,0.00003380081],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00006959049,"about_ca_system_score_gemma":0.00003810666,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.00004028888,"about_ca_topic_score_gemma":0.00001648058,"domain_scores_codex":[0.998502,0.00001824145,0.0008840375,0.0002605021,0.00006857228,0.0002666178],"domain_scores_gemma":[0.9988758,0.00003253645,0.0007315758,0.0001888263,0.00008047189,0.00009076643],"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":[0.0000883746,0.0003141374,0.3119418,0.0001394664,0.00006234746,0.000920111,0.002855923,0.00006459223,0.0001473918,0.4337957,0.002763115,0.2469071],"study_design_scores_gemma":[0.001289411,0.0001985517,0.3590412,0.0001379304,0.00005472173,0.00005028652,0.0004027526,0.00005243061,0.0005634901,0.1671132,0.4706739,0.0004221731],"study_design_candidate":"observational","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9534113,0.01376763,0.02957251,0.0001114288,0.001241839,0.0000805387,0.00004776233,0.000009837467,0.001757192],"genre_scores_gemma":[0.9739618,0.02173878,0.003269128,0.0002934305,0.0003800764,0.000001873228,0.000003833133,0.00001783975,0.0003332892],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.4679108,"threshold_uncertainty_score":0.7032037,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01848907425902608,"score_gpt":0.2135279647006889,"score_spread":0.1950388904416629,"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."}}