PERILAKU KEUANGAN DAN TOLERANSI RISIKO KEUANGAN RUMAH TANGGA (KONSUMSI DAN INVESTASI) ERA COVID-19
Bibliographic record
Abstract
Uncertainty is a certain thing that will happen someday in the future. As a matter of fact, this life is covered by uncertainty even in a small scale or a big one. It is something that we do not want to and surely it is not a predictable thing. The COVID-19 pandemic is a global issue that greatly affects various sectors of life and industry. Todays, in this pandemic, life is full of uncertainty. Households experience great turmoil in carrying out their lives, especially in terms of finances, both for consumption and investment activities. This paper is a literature study which aims to provide a more detailed picture of financial behavior and household financial risk tolerance for both consumption and investment activities during the COVID-19 pandemic. Good financial literacy affects financial behavior and individual financial risk tolerance. Results showed that when the COVID-19 pandemic emerged, the level of household consumption in the second quarter-2020 experienced a decline in almost all regions of Indonesia. Financial investations of households also declined in the second quarter-2020 and households’ investment preferences during this pandemic tend to change to risk averse or risk hater.
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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 | 0.001 | 0.002 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.000 | 0.000 |
| Science and technology studies | 0.001 | 0.001 |
| Scholarly communication | 0.003 | 0.002 |
| Open science | 0.001 | 0.001 |
| Research integrity | 0.001 | 0.001 |
| Insufficient payload (model declined to judge) | 0.014 | 0.002 |
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".