{"id":"W4410184814","doi":"10.1002/iir.1565","title":"Are all debtors the same? Personal insolvency and debtors' profiles in Chile","year":2025,"lang":"en","type":"article","venue":"International Insolvency Review","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":2,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Insolvency; Business; Foreclosure; Financial system; Finance","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":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.0005776606,0.0002469508,0.0003800985,0.0003494426,0.0001433305,0.0001871563,0.0005314923,0.00006289441,0.0007723606],"category_scores_gemma":[0.0006811716,0.0001822468,0.000184986,0.0007659506,0.00008404081,0.000736554,0.0002938667,0.0002321224,0.0001394779],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00008258221,"about_ca_system_score_gemma":0.00003690546,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0005471763,"about_ca_topic_score_gemma":0.0007284746,"domain_scores_codex":[0.9982933,0.00003467688,0.0006150382,0.0004069494,0.0004080667,0.000241944],"domain_scores_gemma":[0.9989727,0.00007951703,0.0004322512,0.0002317496,0.0002710305,0.00001279907],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"not_applicable","study_design_scores_codex":[0.00001557655,0.0001279152,0.952654,0.001053723,0.00004596781,0.00001455764,0.00006040654,0.000002288319,0.00001961331,0.02114457,0.01947551,0.005385886],"study_design_scores_gemma":[0.0002611226,0.000004479224,0.4870813,0.004699091,0.0001294137,0.000002187731,0.00005106177,0.001314093,0.000005110232,0.002598521,0.5036299,0.0002236937],"study_design_candidate":"observational","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.8036911,0.1296377,0.00002694344,0.02696387,0.002054603,0.00178315,0.00003012528,0.000147288,0.03566518],"genre_scores_gemma":[0.9518921,0.01709881,0.0001180356,0.02824572,0.0007318643,0.0002083971,0.0001362598,0.00002808755,0.001540779],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.4841544,"threshold_uncertainty_score":0.8456807,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.0220400571396205,"score_gpt":0.2832367765195571,"score_spread":0.2611967193799367,"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."}}