Community Interest: Investigating the Use of Social Finance in Canadian Social Housing
Bibliographic record
Abstract
This thesis investigates the use of social finance tools in Canadian social housing. In order to understand their benefits and pitfalls, I undertook semi-structured interviews with experts in Toronto and Vancouver. Housing executives, developers, government officials and funding organizations were asked about social finance, how it is currently used, and how it may be used in the future. The study found that while social housing providers are being exposed to increasing risk and are being pushed towards commercialized practices, they are not experiencing novel forms of financialization. However, extractive, financialized practices may arise if the use of social finance is not considered carefully. Some systems of social finance have greater potential long-term impacts for affordability and housing justice than others. I develop a set of criteria, which I categorize the “3Cs method” (tools must be collaborative, concessionary, and constructive) as a way for providers to evaluate social finance models.
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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 | 0.006 | 0.014 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.005 | 0.006 |
| Science and technology studies | 0.016 | 0.008 |
| Scholarly communication | 0.006 | 0.002 |
| Open science | 0.002 | 0.006 |
| Research integrity | 0.001 | 0.001 |
| Insufficient payload (model declined to judge) | 0.004 | 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".