{"id":"W4283011763","doi":"10.3390/jrfm15060270","title":"Informal Finance: A Boon or Bane for African SMEs?","year":2022,"lang":"en","type":"article","venue":"Journal of risk and financial management","topic":"Microfinance and Financial Inclusion","field":"Economics, Econometrics and Finance","cited_by":43,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Collateral; Finance; Access to finance; Context (archaeology); Business; Informal sector; Financial services; Financial literacy; Structured finance; Order (exchange); Developing country; Microfinance; Service (business); Economics; Economic growth; Marketing; Financial crisis","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":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001582489,0.0002715062,0.0002674568,0.0007723166,0.003791695,0.003903017,0.0004246561,0.002033175,0.01024877],"category_scores_gemma":[0.004247571,0.0001733244,0.0001791728,0.001253372,0.002546247,0.005022179,0.002939409,0.001585571,0.0004759246],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001272558,"about_ca_system_score_gemma":0.003924982,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.003458733,"about_ca_topic_score_gemma":0.009899919,"domain_scores_codex":[0.9991417,0.0003265647,0.00004282264,0.00004693259,0.0001133708,0.0003284753],"domain_scores_gemma":[0.9976225,0.0006937401,0.0006833831,0.0000474665,0.0001868278,0.0007661195],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"design_other","study_design_gemma":"observational","study_design_scores_codex":[0.0003712354,0.0004219876,0.1122361,0.006468928,0.00005196487,0.01413231,0.1531965,0.0001621367,0.003961157,0.1804622,0.06827682,0.4602587],"study_design_scores_gemma":[0.00002880993,0.0002051847,0.08679853,0.008706456,0.00005475805,0.005493828,0.4938569,0.0002639605,0.0005234344,0.01535143,0.3886531,0.00006364906],"study_design_candidate":"observational","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.5973258,0.07556098,0.001091226,0.2643199,0.001833633,0.0001369535,0.0001762134,0.00002321779,0.05953201],"genre_scores_gemma":[0.9458827,0.03337511,0.0004447314,0.0119245,0.0004344272,0.00004651507,0.00004485943,0.00000743731,0.007839679],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.01024877,"threshold_uncertainty_score":0.0342856,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01462923263983294,"score_gpt":0.2102991350996931,"score_spread":0.1956699024598602,"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."}}