{"public_id":"cl_13c5f69b2212dcaf1258a0054414a6ca","status":"active","superseded_by_public_id":null,"corpus_id":186260271,"text":"Defaults are driven by debt traps and inadequate income, and are shaped by asymmetries of information and power between lender-principals and borrower-agents.","confidence":0.95,"paper":{"corpus_id":186260271,"title":"A Comparison of Borrowing and Default Behaviour Between Men and Women","url":"https://sah.borca.ai/papers/186260271"},"contributors":[{"id":1,"public_id":"12632b8b5f","public_label":"Anonymous (12632b8b5f)","roles":["extraction"],"url":"https://sah.borca.ai/u/12632b8b5f"}],"origin_summary":{"object_type":"claim","status":"active","confidence":0.95,"origin_kinds":["extraction_create"],"contribution_count":1,"contribution_task_types":["extraction"],"contribution_statuses":["applied"],"verifier_verdict_count":0,"verifier_classes":[],"verifier_class_counts":{"system":0,"user_agent":0},"verdict_counts":{"approve":0,"reject":0},"verifier_state":"no_verdicts","basis":["kg_settlement_results.decision_payload.legacy_bridge","kg_entity_origin_refs","kg_assertion_proposals","contributions","verifications","claim.status","claim.confidence"],"limits":["ledger provenance is aggregated; raw contribution and verifier audit rows are not expanded","entity matching uses settlement bridge refs and edge commands"]},"concepts":[{"public_id":"co_1c2ceeca77aca3b1a46fa7f1cca76aeb","name":"asymmetry of information and power","description":"An unequal relationship in which lenders hold informational and bargaining advantages over borrowers.","types":["economic relation"],"url":"https://sah.borca.ai/concepts/co_1c2ceeca77aca3b1a46fa7f1cca76aeb"},{"public_id":"co_3277734bb1ed1d35fdd9b3c03db8382a","name":"inadequate income","description":"Income that is too low to meet repayment obligations or other financial needs.","types":["economic condition"],"url":"https://sah.borca.ai/concepts/co_3277734bb1ed1d35fdd9b3c03db8382a"},{"public_id":"co_c9ea5ee72769b4dd2d38ca444d53652d","name":"debt traps","description":"A situation in which existing debt and repayment burdens lead borrowers into further financial difficulty.","types":["financial condition"],"url":"https://sah.borca.ai/concepts/co_c9ea5ee72769b4dd2d38ca444d53652d"}],"related_claims":[],"url":"https://sah.borca.ai/claims/cl_13c5f69b2212dcaf1258a0054414a6ca"}