{"id":"W4387670370","doi":"10.5430/afr.v12n4p32","title":"Factors Affecting Non-Performing Loans of Commercial Banks in Malaysia","year":2023,"lang":"en","type":"article","venue":"Accounting and Finance Research","topic":"Islamic Finance and Banking Studies","field":"Business, Management and Accounting","cited_by":1,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"Universiti Teknologi MARA","keywords":"Non-performing loan; Loan; Business; Unemployment; Capital adequacy ratio; Gross domestic product; Inflation (cosmology); Interest rate; Financial system; Payment; Profit (economics); Finance; Monetary economics; Economics; Economic growth","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":[0.0007623335,0.0002506237,0.000174778,0.0007913252,0.0004507506,0.00139619,0.0002503459,0.000309976,0.001646772],"category_scores_gemma":[0.003214467,0.0001615569,0.0002781566,0.0009925166,0.0004357068,0.0006243149,0.00057762,0.000452082,0.0003533904],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0008831301,"about_ca_system_score_gemma":0.00146107,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.02772594,"about_ca_topic_score_gemma":0.03937747,"domain_scores_codex":[0.9993413,0.0001577189,0.0001520741,0.000083944,0.0001346905,0.0001301849],"domain_scores_gemma":[0.9948014,0.000679238,0.003140179,0.0001132317,0.0006281554,0.0006378021],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.00002371453,0.00003334673,0.9958953,0.00002156615,0.00001118184,0.0001600831,0.0005970398,0.00008585201,0.0001055942,0.00004622389,0.0002106146,0.002809568],"study_design_scores_gemma":[0.000001140243,0.00002746391,0.9966183,0.00002674529,0.000006671349,0.0001813297,0.002444968,0.0001752893,0.00006809424,0.00003282936,0.0004120272,0.00000520573],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9987296,0.0002248052,0.00002166561,0.0001805537,0.000002622831,0.000006317626,0.0001240012,0.000001641484,0.0007087853],"genre_scores_gemma":[0.9993368,0.0002245503,0.00003275047,0.0000187248,0.000003785109,0.00000300701,0.0000896839,7.364592e-7,0.0002897946],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.02772594,"threshold_uncertainty_score":0.05512911,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.05667354747585318,"score_gpt":0.3183267941392218,"score_spread":0.2616532466633686,"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."}}