{"id":"https://openalex.org/W1992736048","doi":"https://doi.org/10.1145/2124295.2124356","title":"\"I loan because...\"","display_name":"\"I loan because...\"","publication_year":2012,"publication_date":"2012-02-08","ids":{"openalex":"https://openalex.org/W1992736048","doi":"https://doi.org/10.1145/2124295.2124356","mag":"1992736048"},"language":"en","primary_location":{"id":"doi:10.1145/2124295.2124356","doi":"https://doi.org/10.1145/2124295.2124356","is_oa":false,"landing_page_url":"https://doi.org/10.1145/2124295.2124356","pdf_url":null,"source":{"id":"https://openalex.org/S4363608885","display_name":"ACM International Conference on Web Search and Data Mining (WSDM)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"conference"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the fifth ACM international conference on Web search and data mining","raw_type":"proceedings-article"},"volume":null,"type":"conference-paper","indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5100666307","display_name":"Yang Liu","orcid":"https://orcid.org/0000-0001-8555-5387","observed_orcids":["https://orcid.org/0000-0001-8555-5387"]},"institutions":[{"id":"https://openalex.org/I27837315","display_name":"University of Michigan","ror":"https://ror.org/00jmfr291","country_code":"US","type":"education","lineage":["https://openalex.org/I27837315"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Yang Liu","raw_affiliation_strings":["University of Michigan, Ann Arbor, MI, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"University of Michigan, Ann Arbor, MI, USA","institution_ids":["https://openalex.org/I27837315"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5024040517","display_name":"Roy Chen","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I27837315","display_name":"University of Michigan","ror":"https://ror.org/00jmfr291","country_code":"US","type":"education","lineage":["https://openalex.org/I27837315"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Roy Chen","raw_affiliation_strings":["University of Michigan, Ann Arbor, MI, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"University of Michigan, Ann Arbor, MI, USA","institution_ids":["https://openalex.org/I27837315"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5100378075","display_name":"Yan Chen","orcid":"https://orcid.org/0000-0002-3227-4562","observed_orcids":["https://orcid.org/0000-0002-3227-4562","https://orcid.org/0009-0005-7081-2535"]},"institutions":[{"id":"https://openalex.org/I27837315","display_name":"University of Michigan","ror":"https://ror.org/00jmfr291","country_code":"US","type":"education","lineage":["https://openalex.org/I27837315"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Yan Chen","raw_affiliation_strings":["University of Michigan, Ann Arbor, MI, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"University of Michigan, Ann Arbor, MI, USA","institution_ids":["https://openalex.org/I27837315"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5048955398","display_name":"Qiaozhu Mei","orcid":"https://orcid.org/0000-0002-8640-1942","observed_orcids":["https://orcid.org/0000-0002-8640-1942"]},"institutions":[{"id":"https://openalex.org/I27837315","display_name":"University of Michigan","ror":"https://ror.org/00jmfr291","country_code":"US","type":"education","lineage":["https://openalex.org/I27837315"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Qiaozhu Mei","raw_affiliation_strings":["University of Michigan, Ann Arbor, MI, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"University of Michigan, Ann Arbor, MI, USA","institution_ids":["https://openalex.org/I27837315"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5062218004","display_name":"Suzy Salib","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I27837315","display_name":"University of Michigan","ror":"https://ror.org/00jmfr291","country_code":"US","type":"education","lineage":["https://openalex.org/I27837315"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Suzy Salib","raw_affiliation_strings":["University of Michigan, Ann Arbor, MI, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"University of Michigan, Ann Arbor, MI, USA","institution_ids":["https://openalex.org/I27837315"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I27837315"],"apc_list":null,"apc_paid":null,"fwci":6.7254,"has_fulltext":false,"cited_by_count":49,"citation_normalized_percentile":{"value":0.97268212,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":88,"max":99},"biblio":{"volume":null,"issue":null,"first_page":"503","last_page":"512"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.8539999723434448,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.8539999723434448,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13910","display_name":"Computational and Text Analysis Methods","score":0.04309999942779541,"subfield":{"id":"https://openalex.org/subfields/3300","display_name":"General Social Sciences"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11550","display_name":"Text and Document Classification Technologies","score":0.04050000011920929,"subfield":{"id":"https://openalex.org/subfields/1702","display_name":"Artificial Intelligence"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/microfinance","display_name":"microfinance","score":0.7919999957084656},{"id":"https://openalex.org/keywords/kiva","display_name":"Kiva","score":0.6819999814033508},{"id":"https://openalex.org/keywords/online-lending","display_name":"online lending","score":0.8159999847412109},{"id":"https://openalex.org/keywords/text-classification","display_name":"text classification","score":0.6420000195503235},{"id":"https://openalex.org/keywords/lexical-features","display_name":"lexical features","score":0.7480000257492065},{"id":"https://openalex.org/keywords/social-features","display_name":"social features","score":0.9269999861717224},{"id":"https://openalex.org/keywords/crowdfunding","display_name":"crowdfunding","score":0.35899999737739563},{"id":"https://openalex.org/keywords/online-communities","display_name":"online communities","score":0.46700000762939453},{"id":"https://openalex.org/keywords/team-affiliation","display_name":"team affiliation","score":0.34700000286102295}],"concepts":[{"id":"https://openalex.org/C94124525","wikidata":"https://www.wikidata.org/wiki/Q912550","display_name":"Categorization","level":2,"score":0.7880405187606812},{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.7623699903488159},{"id":"https://openalex.org/C2780451532","wikidata":"https://www.wikidata.org/wiki/Q759676","display_name":"Task (project management)","level":2,"score":0.7289160490036011},{"id":"https://openalex.org/C28129649","wikidata":"https://www.wikidata.org/wiki/Q926217","display_name":"Microfinance","level":2,"score":0.6495047807693481},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.5836418867111206},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.48645684123039246},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.45348402857780457},{"id":"https://openalex.org/C56739046","wikidata":"https://www.wikidata.org/wiki/Q192060","display_name":"Knowledge management","level":1,"score":0.3433871269226074},{"id":"https://openalex.org/C204321447","wikidata":"https://www.wikidata.org/wiki/Q30642","display_name":"Natural language processing","level":1,"score":0.3255408704280853},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.30242809653282166},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.2838248014450073},{"id":"https://openalex.org/C127413603","wikidata":"https://www.wikidata.org/wiki/Q11023","display_name":"Engineering","level":0,"score":0.18827280402183533},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.1334073841571808},{"id":"https://openalex.org/C199539241","wikidata":"https://www.wikidata.org/wiki/Q7748","display_name":"Law","level":1,"score":0.0},{"id":"https://openalex.org/C201995342","wikidata":"https://www.wikidata.org/wiki/Q682496","display_name":"Systems engineering","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1145/2124295.2124356","doi":"https://doi.org/10.1145/2124295.2124356","is_oa":false,"landing_page_url":"https://doi.org/10.1145/2124295.2124356","pdf_url":null,"source":{"id":"https://openalex.org/S4363608885","display_name":"ACM International Conference on Web Search and Data Mining (WSDM)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"conference"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the fifth ACM international conference on Web search and data mining","raw_type":"proceedings-article"}],"best_oa_location":null,"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[{"id":"https://openalex.org/F4320306076","display_name":"National Science Foundation","ror":"https://ror.org/021nxhr62"}],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":51,"referenced_works":["https://openalex.org/W90970949","https://openalex.org/W202303397","https://openalex.org/W758960492","https://openalex.org/W1484629748","https://openalex.org/W1506588750","https://openalex.org/W1551909886","https://openalex.org/W1572289145","https://openalex.org/W1599656298","https://openalex.org/W1941659294","https://openalex.org/W1975409939","https://openalex.org/W1979182316","https://openalex.org/W1999318832","https://openalex.org/W2009190245","https://openalex.org/W2037858832","https://openalex.org/W2053724458","https://openalex.org/W2053968437","https://openalex.org/W2057310534","https://openalex.org/W2058200372","https://openalex.org/W2071085454","https://openalex.org/W2083654892","https://openalex.org/W2097726431","https://openalex.org/W2107008379","https://openalex.org/W2124027283","https://openalex.org/W2124351082","https://openalex.org/W2126107841","https://openalex.org/W2127001232","https://openalex.org/W2128388061","https://openalex.org/W2135410596","https://openalex.org/W2139823104","https://openalex.org/W2141403362","https://openalex.org/W2149534432","https://openalex.org/W2153222072","https://openalex.org/W2153635508","https://openalex.org/W2154455818","https://openalex.org/W2156037541","https://openalex.org/W2163375626","https://openalex.org/W2166706824","https://openalex.org/W2167261864","https://openalex.org/W2344991172","https://openalex.org/W2914172043","https://openalex.org/W3021916629","https://openalex.org/W3022808291","https://openalex.org/W3122199124","https://openalex.org/W3123190515","https://openalex.org/W3124275895","https://openalex.org/W4205184193","https://openalex.org/W4233867430","https://openalex.org/W4239510810","https://openalex.org/W4285719527","https://openalex.org/W4394945775","https://openalex.org/W6603658136"],"related_works":["https://openalex.org/W2527696472","https://openalex.org/W2027523250","https://openalex.org/W7097582786","https://openalex.org/W1514769328","https://openalex.org/W2585752668","https://openalex.org/W2769939183","https://openalex.org/W4410994655","https://openalex.org/W2048018743","https://openalex.org/W3036890330","https://openalex.org/W2041277812"],"abstract_inverted_index":{"As":[0],"a":[1],"new":[2],"paradigm":[3],"of":[4,62,91],"online":[5],"communities,":[6],"microfinance":[7],"sites":[8],"such":[9],"as":[10],"Kiva.org":[11],"have":[12],"attracted":[13],"much":[14,72],"public":[15],"attention.":[16],"To":[17],"understand":[18],"lender":[19,53,63,104],"motivations":[20,28],"on":[21,52,56],"Kiva,":[22,57],"we":[23,99,110],"classify":[24],"the":[25,60,67,89],"lenders'":[26],"self-stated":[27],"into":[29],"ten":[30],"categories":[31,61],"with":[32,48,95],"human":[33],"coders":[34],"and":[35,106],"machine":[36],"learning":[37],"based":[38,51],"classifiers.":[39],"We":[40],"employ":[41],"text":[42],"classifiers":[43,80],"using":[44],"lexical":[45],"features,":[46],"along":[47,94],"social":[49],"features":[50],"activity":[54,102],"information":[55],"to":[58,70],"predict":[59,100],"motivation":[64,105],"statements.":[65],"Although":[66],"task":[68],"appears":[69],"be":[71],"more":[73],"challenging":[74],"than":[75],"traditional":[76],"topic-based":[77],"categorization,":[78],"our":[79],"can":[81],"achieve":[82],"high":[83],"precision":[84],"in":[85],"most":[86],"categories.":[87],"Using":[88],"results":[90],"this":[92],"classification":[93],"Kiva":[96,115],"teams":[97],"information,":[98],"lending":[101],"from":[103],"team":[107],"affiliations.":[108],"Finally,":[109],"make":[111],"design":[112],"recommendations":[113],"regarding":[114],"practices":[116],"which":[117],"might":[118],"increase":[119],"pro-social":[120],"lending.":[121]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":1},{"year":2024,"cited_by_count":2},{"year":2023,"cited_by_count":2},{"year":2022,"cited_by_count":1},{"year":2021,"cited_by_count":3},{"year":2020,"cited_by_count":2},{"year":2019,"cited_by_count":6},{"year":2018,"cited_by_count":6},{"year":2017,"cited_by_count":4},{"year":2016,"cited_by_count":7},{"year":2015,"cited_by_count":5},{"year":2014,"cited_by_count":6},{"year":2013,"cited_by_count":2},{"year":2012,"cited_by_count":1}],"updated_date":"2026-11-04T10:54:05.112534","created_date":"2016-06-24T00:00:00"}