Bibliographic record
Abstract
Today, one of the main problems of banks and financial and credit institutions is their overdue debts and outstanding facilities, because paid facilities have not repaid completely by customers and a part of facilities, as debts that have not yet been collected, will remain in accounts.In this study, the relationship between the effective interest rate and default risk of different Islamic contracts in the branches of Mehr-e Eghtesad bank in Gilan Province, in the period from 20 th March 2013 to 19 th March 2016 was investigated.Pearson correlation coefficient and panel data technique were used to test the hypotheses.According to the results of Pearson correlation coefficient, it was clear that in none of the Islamic contracts in sample bank, there is significant relationship between effective interest rate and default risk and also, the results of panel data technique showed that there is no significant relationship between effective interest rate and default risk in different Islamic contracts in sample bank.
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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) | 0.001 | 0.000 |
| Meta-epidemiology (broad) | 0.001 | 0.000 |
| Bibliometrics | 0.003 | 0.003 |
| Science and technology studies | 0.001 | 0.001 |
| Scholarly communication | 0.004 | 0.003 |
| Open science | 0.001 | 0.003 |
| Research integrity | 0.003 | 0.001 |
| Insufficient payload (model declined to judge) | 0.954 | 0.950 |
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; the direct Gemma label and the distilled Codex classifier agree on what is shown here.
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".