{"id":"W4402128553","doi":"10.3390/jrfm17090386","title":"Business Model and Strategy for Sustainable Lending of State-Owned Banks in Indonesia","year":2024,"lang":"en","type":"article","venue":"Journal of risk and financial management","topic":"FinTech, Crowdfunding, Digital Finance","field":"Business, Management and Accounting","cited_by":1,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"State owned; Business; Business model; Industrial organization; State (computer science); Financial system; Natural resource economics; Market economy; Economics; Computer science; Marketing","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":[0.001495831,0.0003389634,0.0001959506,0.001516745,0.001489215,0.006202403,0.0007437284,0.001007583,0.002932423],"category_scores_gemma":[0.00122379,0.0002525999,0.0003870525,0.001940744,0.001223393,0.00260777,0.002323511,0.0008023729,0.0007442044],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.003612573,"about_ca_system_score_gemma":0.007357633,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.005794621,"about_ca_topic_score_gemma":0.007026196,"domain_scores_codex":[0.998809,0.0004861992,0.00008679357,0.00009536773,0.0003549043,0.0001677094],"domain_scores_gemma":[0.9992803,0.0001601386,0.0001375981,0.00004025154,0.0001917183,0.000190099],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"not_applicable","study_design_scores_codex":[0.0002137093,0.00174692,0.09447217,0.0008142767,0.00009166258,0.006440237,0.01985141,0.08925758,0.008939503,0.4761165,0.01799297,0.2840631],"study_design_scores_gemma":[0.0001223068,0.0004913466,0.04661811,0.001421917,0.0001302324,0.002965517,0.07666641,0.4901806,0.008983651,0.1694499,0.2027598,0.0002102798],"study_design_candidate":"not_applicable","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.6069402,0.0009595313,0.1001913,0.008718044,0.000083224,0.001476941,0.000371414,0.000316023,0.2809434],"genre_scores_gemma":[0.9506519,0.0007011154,0.033364,0.0001479608,0.000007371518,0.00032126,0.0001549442,0.0000232086,0.01462819],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.006202403,"threshold_uncertainty_score":0.0262112,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01145149048931032,"score_gpt":0.2234504876017392,"score_spread":0.2119989971124289,"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."}}