{"id":"W4388759695","doi":"10.3390/jrfm16110487","title":"The Impact of Non-Financial and Financial Variables on Credit Decisions for Service Companies in Turkey","year":2023,"lang":"en","type":"article","venue":"Journal of risk and financial management","topic":"Financial Distress and Bankruptcy Prediction","field":"Business, Management and Accounting","cited_by":1,"is_retracted":false,"has_abstract":true,"ca_institutions":"Brock University","funders":"Natural Sciences and Engineering Research Council of Canada","keywords":"Business; Financial services; Context (archaeology); Service (business); Tertiary sector of the economy; Finance; Marketing","routes":{"ca_aff":true,"ca_fund":true,"ca_venue":true,"about_ca":false,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.0009750507,0.0003488977,0.0002574638,0.0009329403,0.0004776328,0.001556424,0.0003645416,0.0005018424,0.001959845],"category_scores_gemma":[0.004619305,0.0001231468,0.0003728977,0.001118695,0.0004358659,0.000536942,0.0007361002,0.0008470031,0.0003066164],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001849851,"about_ca_system_score_gemma":0.001562673,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.03679404,"about_ca_topic_score_gemma":0.04487962,"domain_scores_codex":[0.9991191,0.0002709822,0.00008108569,0.00009185128,0.000132183,0.0003047941],"domain_scores_gemma":[0.9945321,0.001878852,0.001919505,0.00008524321,0.0005458622,0.001038417],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0001523962,0.0001944572,0.9885883,0.00002180793,0.00002262559,0.0002543845,0.0005151461,0.0007569889,0.00008468682,0.0001607375,0.0003195626,0.008928837],"study_design_scores_gemma":[0.000004763396,0.00009693747,0.9933137,0.00002172564,0.00001610189,0.00006919582,0.003481715,0.002422425,0.0000794794,0.0001235886,0.0003617044,0.00000867323],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9993027,0.00009776183,0.00003879263,0.0000993057,0.000002716559,0.000004919645,0.00007084629,9.607165e-7,0.0003819561],"genre_scores_gemma":[0.999586,0.00008185377,0.00003259715,0.0000122374,0.000002815392,0.000002208044,0.0001120716,5.189715e-7,0.0001695793],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.03679404,"threshold_uncertainty_score":0.07315975,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01350775131438363,"score_gpt":0.2446961967785402,"score_spread":0.2311884454641566,"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."}}