{"id":"W4297900577","doi":"10.1111/ijet.12360","title":"Strategic default, multiple installments, and the role of informal moneylender in microcredit contract","year":2022,"lang":"en","type":"article","venue":"International Journal of Economic Theory","topic":"Microfinance and Financial Inclusion","field":"Economics, Econometrics and Finance","cited_by":1,"is_retracted":false,"has_abstract":true,"ca_institutions":"University of British Columbia, Okanagan Campus; Kelowna General Hospital; University of British Columbia","funders":"","keywords":"Default; Collateral; Loan; Commit; Business; Microfinance; Incentive; Non-performing loan; Order (exchange); Finance; Monetary economics; 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":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001573785,0.00008784317,0.0003102979,0.0002704822,0.00006527684,0.00002911003,0.0004601857,0.0000362012,0.0003748954],"category_scores_gemma":[0.00005331475,0.0000818839,0.0001217467,0.00003879215,0.0001087955,0.000298556,0.0002233496,0.0002533985,0.0000106728],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0001653042,"about_ca_system_score_gemma":0.00006686247,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0003147242,"about_ca_topic_score_gemma":0.00004397385,"domain_scores_codex":[0.9987276,0.00003709118,0.0009607634,0.0001086722,0.00004522315,0.0001206772],"domain_scores_gemma":[0.998625,0.0001675919,0.00105377,0.00009368729,0.00003462183,0.00002526296],"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":[0.001667572,0.00009556917,0.03032132,0.000003515735,0.0001159396,0.00001007482,0.001455959,0.002174859,0.0004971982,0.9599836,0.0000455185,0.003628909],"study_design_scores_gemma":[0.01006431,0.0002258776,0.0422427,0.00003786404,0.00001222114,0.0002323184,0.003183955,0.006766429,0.0007865003,0.8848643,0.05131367,0.0002698309],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":"theoretical_or_conceptual","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9830198,0.007553804,0.0001535333,0.0002169141,0.0007582895,0.00009985881,0.0001710769,0.000001888555,0.008024855],"genre_scores_gemma":[0.9987299,0.000787843,0.00009439865,0.0001857939,0.000103675,0.000006665643,0.000005868499,0.000008642878,0.00007724102],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.07511924,"threshold_uncertainty_score":0.4104841,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01173784180540309,"score_gpt":0.2120615579490004,"score_spread":0.2003237161435973,"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."}}