Sensemaking the Small Business Credit Crunch: The Network of Recession and Barriers to Recovery
Bibliographic record
Abstract
In this paper we use Critical Sensemaking and Actor-Network Theory to apply business anthropology to the lending of money to small business, the financial crisis, the recession and possible recovery. A plausible link between fear of becoming a lender who made a substantial mistake (as the mortgage lenders pre-2008 have been characterized) and unwillingness to lend is described. Statistical evidence of low levels of lending has been interrelated with extensive narrative and discourse analysis of the text of small business persons, entrepreneurs, lenders, pundits and reports on the economic crisis. A theory of prospective sensemaking is described from the actions of bank officers and the surrounding discourse.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.007 | 0.022 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.004 | 0.003 |
| Science and technology studies | 0.007 | 0.027 |
| Scholarly communication | 0.009 | 0.017 |
| Open science | 0.001 | 0.009 |
| Research integrity | 0.002 | 0.003 |
| Insufficient payload (model declined to judge) | 0.005 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".