{"id":"W343058437","doi":"10.2139/ssrn.2560975","title":"Policy Principles for Expanding Financial Access","year":2009,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"Microfinance and Financial Inclusion","field":"Economics, Econometrics and Finance","cited_by":22,"is_retracted":false,"has_abstract":false,"ca_institutions":"","funders":"","keywords":"Microfinance; Mainstream; Business; Financial services; Quarter (Canadian coin); Finance; Access to finance; Financial crisis; Developing country; Service (business); Financial inclusion; Financial system; Economic growth; Economics; Marketing; Political science; Geography","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":false,"about_ca":true,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001619199,0.0001916078,0.0003797624,0.0003985185,0.0005569051,0.0001577811,0.0005686822,0.0001505788,0.00002177631],"category_scores_gemma":[0.0003734737,0.0002097988,0.0002424978,0.0003645571,0.00002763174,0.0005622468,0.00006866425,0.0007782687,0.00006103625],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001008465,"about_ca_system_score_gemma":0.001089439,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.00008544642,"about_ca_topic_score_gemma":0.0001357913,"domain_scores_codex":[0.9967688,0.000008975798,0.0006763372,0.0003309285,0.00004620643,0.00216875],"domain_scores_gemma":[0.9991528,0.00002198343,0.0004924366,0.0002018734,0.00005371596,0.00007716375],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"theoretical_or_conceptual","study_design_scores_codex":[0.00006264429,0.00006364672,0.001913183,0.000005089696,0.00001281962,0.000001267469,0.0001118706,0.00002562334,0.0001763997,0.9748529,0.0003184898,0.02245605],"study_design_scores_gemma":[0.0008225713,0.0003730911,0.006924918,0.00002277109,0.000004361885,0.00005813019,0.00003868739,0.00007785289,0.0002987018,0.9403228,0.05078821,0.0002679602],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":"theoretical_or_conceptual","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.5540719,0.01544219,0.4003408,0.009752446,0.001198758,0.0007863994,0.00009288696,0.0001036286,0.018211],"genre_scores_gemma":[0.9852394,0.008527765,0.0003596863,0.0009004636,0.001751414,0.00001349713,0.000008879823,0.00002518939,0.003173735],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.4311675,"threshold_uncertainty_score":0.8555345,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.03548734425897429,"score_gpt":0.2998489165197164,"score_spread":0.2643615722607421,"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."}}