{"id":"https://openalex.org/W2082701310","doi":"https://doi.org/10.1590/s1678-69712011000200006","title":"Avalia\u00e7\u00e3o de insolv\u00eancia em cooperativas de cr\u00e9dito: uma aplica\u00e7\u00e3o do sistema Pearls","display_name":"Avalia\u00e7\u00e3o de insolv\u00eancia em cooperativas de cr\u00e9dito: uma aplica\u00e7\u00e3o do sistema Pearls","publication_year":2011,"publication_date":"2011-01-01","ids":{"openalex":"https://openalex.org/W2082701310","doi":"https://doi.org/10.1590/s1678-69712011000200006","mag":"2082701310"},"language":"pt","primary_location":{"id":"doi:10.1590/s1678-69712011000200006","doi":"https://doi.org/10.1590/s1678-69712011000200006","is_oa":true,"landing_page_url":"https://doi.org/10.1590/s1678-69712011000200006","pdf_url":"https://www.scielo.br/j/ram/a/WGbCp37Tf6kvnR7bYG6LFDh/?lang=pt&format=pdf","source":{"id":"https://openalex.org/S2738683535","display_name":"RAM. Revista de Administra\u00e7\u00e3o Mackenzie","issn_l":"1518-6776","issn":["1518-6776","1678-6971"],"is_oa":true,"is_in_doaj":true,"is_core":true,"listed_in":["cwts-core","doaj","poland-20","russia-white-list-3","scielo"],"host_organization":"https://openalex.org/P4310312576","host_organization_name":"Universidade Presbiteriana Mackenzie","host_organization_lineage":["https://openalex.org/P4310312576"],"host_organization_lineage_names":["Universidade Presbiteriana Mackenzie"],"type":"journal"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"RAM. Revista de Administra\u00e7\u00e3o Mackenzie","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://www.scielo.br/j/ram/a/WGbCp37Tf6kvnR7bYG6LFDh/?lang=pt&format=pdf","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5026757530","display_name":"Val\u00e9ria Gama Fully Bressan","orcid":"https://orcid.org/0000-0001-6340-9717","observed_orcids":["https://orcid.org/0000-0001-6340-9717"]},"institutions":[{"id":"https://openalex.org/I110200422","display_name":"Universidade Federal de Minas Gerais","ror":"https://ror.org/0176yjw32","country_code":"BR","type":"education","lineage":["https://openalex.org/I110200422"]}],"countries":["BR"],"is_corresponding":false,"raw_author_name":"Val\u00e9ria Gama Fully Bressan","raw_affiliation_strings":["Universidade Federal de Minas Gerais (UFMG),  Brasil","[Universidade Federal de Minas Gerais (UFMG), Belo Horizonte, Brasil]"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universidade Federal de Minas Gerais (UFMG),  Brasil","institution_ids":["https://openalex.org/I110200422"]},{"raw_affiliation_string":"[Universidade Federal de Minas Gerais (UFMG), Belo Horizonte, Brasil]","institution_ids":["https://openalex.org/I110200422"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5017034546","display_name":"Marcelo Jos\u00e9 Braga","orcid":"https://orcid.org/0000-0002-8161-405X","observed_orcids":["https://orcid.org/0000-0002-8161-405X"]},"institutions":[{"id":"https://openalex.org/I146165071","display_name":"Universidade Federal de Vi\u00e7osa","ror":"https://ror.org/0409dgb37","country_code":"BR","type":"education","lineage":["https://openalex.org/I146165071"]}],"countries":["BR"],"is_corresponding":false,"raw_author_name":"Marcelo Jos\u00e9 Braga","raw_affiliation_strings":["Universidade Federal de Vi\u00e7osa (UFV),  Brasil"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universidade Federal de Vi\u00e7osa (UFV),  Brasil","institution_ids":["https://openalex.org/I146165071"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5037233542","display_name":"Aureliano Angel Bressan","orcid":"https://orcid.org/0000-0002-9333-3394","observed_orcids":["https://orcid.org/0000-0002-9333-3394"]},"institutions":[{"id":"https://openalex.org/I110200422","display_name":"Universidade Federal de Minas Gerais","ror":"https://ror.org/0176yjw32","country_code":"BR","type":"education","lineage":["https://openalex.org/I110200422"]}],"countries":["BR"],"is_corresponding":false,"raw_author_name":"Aureliano Angel Bressan","raw_affiliation_strings":["Universidade Federal de Minas Gerais (UFMG),  Brasil","[Universidade Federal de Minas Gerais (UFMG), Belo Horizonte, Brasil]"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universidade Federal de Minas Gerais (UFMG),  Brasil","institution_ids":["https://openalex.org/I110200422"]},{"raw_affiliation_string":"[Universidade Federal de Minas Gerais (UFMG), Belo Horizonte, Brasil]","institution_ids":["https://openalex.org/I110200422"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5044085714","display_name":"Mois\u00e9s de Andrade Resende Filho","orcid":"https://orcid.org/0000-0002-5004-2685","observed_orcids":["https://orcid.org/0000-0002-5004-2685"]},"institutions":[{"id":"https://openalex.org/I150729083","display_name":"Universidade de Bras\u00edlia","ror":"https://ror.org/02xfp8v59","country_code":"BR","type":"education","lineage":["https://openalex.org/I150729083"]}],"countries":["BR"],"is_corresponding":false,"raw_author_name":"Mois\u00e9s de Andrade Resende Filho","raw_affiliation_strings":["Universidade de Bras\u00edlia (UnB),  Brasil","Universidade de Brasilia - UnB, Brasilia, Brasil"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universidade de Bras\u00edlia (UnB),  Brasil","institution_ids":["https://openalex.org/I150729083"]},{"raw_affiliation_string":"Universidade de Brasilia - UnB, Brasilia, Brasil","institution_ids":["https://openalex.org/I150729083"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":3,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":6.5374,"has_fulltext":true,"cited_by_count":21,"citation_normalized_percentile":{"value":0.9623611,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":87,"max":97},"biblio":{"volume":"12","issue":"2","first_page":"113","last_page":"144"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9765999913215637,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"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/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9765999913215637,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"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/T10127","display_name":"Banking stability, regulation, efficiency","score":0.01489999983459711,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T12121","display_name":"Cooperative Studies and Economics","score":0.002300000051036477,"subfield":{"id":"https://openalex.org/subfields/1408","display_name":"Strategy and Management"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/credit-cooperatives","display_name":"credit cooperatives","score":0.8009999990463257},{"id":"https://openalex.org/keywords/insolvency-probability","display_name":"insolvency probability","score":0.7379999756813049},{"id":"https://openalex.org/keywords/financial-ratios","display_name":"financial ratios","score":0.5799999833106995},{"id":"https://openalex.org/keywords/minas-gerais","display_name":"Minas Gerais","score":0.7509999871253967},{"id":"https://openalex.org/keywords/financial-performance-monitoring","display_name":"financial performance monitoring","score":0.40799999237060547},{"id":"https://openalex.org/keywords/risk-factors","display_name":"risk factors","score":0.46399998664855957},{"id":"https://openalex.org/keywords/regulatory-oversight","display_name":"regulatory oversight","score":0.5260000228881836},{"id":"https://openalex.org/keywords/logit-model","display_name":"logit model","score":0.5910000205039978},{"id":"https://openalex.org/keywords/non-performing-loans","display_name":"non-performing loans","score":0.5080000162124634},{"id":"https://openalex.org/keywords/institutional-capital","display_name":"institutional capital","score":0.4390000104904175},{"id":"https://openalex.org/keywords/service-revenue","display_name":"service revenue","score":0.3490000069141388},{"id":"https://openalex.org/keywords/administrative-costs","display_name":"administrative costs","score":0.5830000042915344},{"id":"https://openalex.org/keywords/central-bank-of-brazil","display_name":"Banco Central do Brasil","score":0.4569999873638153}],"concepts":[{"id":"https://openalex.org/C15708023","wikidata":"https://www.wikidata.org/wiki/Q80083","display_name":"Humanities","level":1,"score":0.5461609363555908},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.40302547812461853},{"id":"https://openalex.org/C142362112","wikidata":"https://www.wikidata.org/wiki/Q735","display_name":"Art","level":0,"score":0.06718412041664124}],"mesh":[],"locations_count":5,"locations":[{"id":"doi:10.1590/s1678-69712011000200006","doi":"https://doi.org/10.1590/s1678-69712011000200006","is_oa":true,"landing_page_url":"https://doi.org/10.1590/s1678-69712011000200006","pdf_url":"https://www.scielo.br/j/ram/a/WGbCp37Tf6kvnR7bYG6LFDh/?lang=pt&format=pdf","source":{"id":"https://openalex.org/S2738683535","display_name":"RAM. Revista de Administra\u00e7\u00e3o Mackenzie","issn_l":"1518-6776","issn":["1518-6776","1678-6971"],"is_oa":true,"is_in_doaj":true,"is_core":true,"listed_in":["cwts-core","doaj","poland-20","russia-white-list-3","scielo"],"host_organization":"https://openalex.org/P4310312576","host_organization_name":"Universidade Presbiteriana Mackenzie","host_organization_lineage":["https://openalex.org/P4310312576"],"host_organization_lineage_names":["Universidade Presbiteriana Mackenzie"],"type":"journal"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"RAM. Revista de Administra\u00e7\u00e3o Mackenzie","raw_type":"journal-article"},{"id":"pmh:oai:ojs.editorarevistas.mackenzie.br:article/2514","doi":null,"is_oa":false,"landing_page_url":"https://editorarevistas.mackenzie.br/index.php/RAM/article/view/2514","pdf_url":null,"source":{"id":"https://openalex.org/S4306402641","display_name":"LA Referencia (Red Federada de Repositorios Institucionales de Publicaciones Cient\u00edficas)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I4383465926","host_organization_name":"LA Referencia","host_organization_lineage":["https://openalex.org/I4383465926"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"instacron:MACKENZIE","raw_type":"info:eu-repo/semantics/article"},{"id":"pmh:oai:scielo:S1678-69712011000200006","doi":null,"is_oa":true,"landing_page_url":"http://old.scielo.br/scielo.php?script=sci_arttext&pid=S1678-69712011000200006","pdf_url":null,"source":{"id":"https://openalex.org/S4306402641","display_name":"LA Referencia (Red Federada de Repositorios Institucionales de Publicaciones Cient\u00edficas)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I4383465926","host_organization_name":"LA Referencia","host_organization_lineage":["https://openalex.org/I4383465926"],"host_organization_lineage_names":[],"type":"repository"},"license":"other-oa","license_id":"https://openalex.org/licenses/other-oa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"RAM. Revista de Administra\u00e7\u00e3o Mackenzie v.12 n.2 2011","raw_type":"info:eu-repo/semantics/article"},{"id":"pmh:oai:americanae.aecid.es:2531195","doi":null,"is_oa":true,"landing_page_url":"http://www.scielo.br/scielo.php?script=sci_arttext&pid=S1678-69712011000200006","pdf_url":null,"source":{"id":"https://openalex.org/S4306400786","display_name":"Americanae (AECID Library)","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":"repository"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"RAM. Revista de Administra\u00e7\u00e3o Mackenzie v.12 n.2 2011","raw_type":"info:eu-repo/semantics/article"},{"id":"pmh:oai:redalyc.org:195421600006","doi":null,"is_oa":false,"landing_page_url":"https://www.redalyc.org/articulo.oa?id=195421600006","pdf_url":null,"source":{"id":"https://openalex.org/S4377196100","display_name":"Redalyc (Universidad Aut\u00f3noma del Estado de M\u00e9xico)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I179647637","host_organization_name":"Universidad Aut\u00f3noma del Estado de M\u00e9xico","host_organization_lineage":["https://openalex.org/I179647637"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"RAM. Revista de Administra\u00e7\u00e3o Mackenzie (Brasil) Num.2 Vol.12","raw_type":"art\u00edculo cient\u00edfico"}],"best_oa_location":{"id":"doi:10.1590/s1678-69712011000200006","doi":"https://doi.org/10.1590/s1678-69712011000200006","is_oa":true,"landing_page_url":"https://doi.org/10.1590/s1678-69712011000200006","pdf_url":"https://www.scielo.br/j/ram/a/WGbCp37Tf6kvnR7bYG6LFDh/?lang=pt&format=pdf","source":{"id":"https://openalex.org/S2738683535","display_name":"RAM. Revista de Administra\u00e7\u00e3o Mackenzie","issn_l":"1518-6776","issn":["1518-6776","1678-6971"],"is_oa":true,"is_in_doaj":true,"is_core":true,"listed_in":["cwts-core","doaj","poland-20","russia-white-list-3","scielo"],"host_organization":"https://openalex.org/P4310312576","host_organization_name":"Universidade Presbiteriana Mackenzie","host_organization_lineage":["https://openalex.org/P4310312576"],"host_organization_lineage_names":["Universidade Presbiteriana Mackenzie"],"type":"journal"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"RAM. Revista de Administra\u00e7\u00e3o Mackenzie","raw_type":"journal-article"},"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W2082701310.pdf","grobid_xml":"https://content.openalex.org/works/W2082701310.grobid-xml"},"referenced_works_count":31,"referenced_works":["https://openalex.org/W8092881","https://openalex.org/W83994813","https://openalex.org/W584872722","https://openalex.org/W1492155385","https://openalex.org/W1504998075","https://openalex.org/W1547951121","https://openalex.org/W1568882904","https://openalex.org/W1978969064","https://openalex.org/W1992158772","https://openalex.org/W1993116763","https://openalex.org/W1999166750","https://openalex.org/W2005346573","https://openalex.org/W2005596732","https://openalex.org/W2014053033","https://openalex.org/W2014247029","https://openalex.org/W2020037754","https://openalex.org/W2020556726","https://openalex.org/W2020848494","https://openalex.org/W2047099387","https://openalex.org/W2048801439","https://openalex.org/W2077763741","https://openalex.org/W2083069223","https://openalex.org/W2086577925","https://openalex.org/W2097223765","https://openalex.org/W2097606600","https://openalex.org/W2115265810","https://openalex.org/W2124532504","https://openalex.org/W2984220594","https://openalex.org/W3121268624","https://openalex.org/W3121584453","https://openalex.org/W7036442155"],"related_works":["https://openalex.org/W7120418751","https://openalex.org/W2521434692","https://openalex.org/W7024204991","https://openalex.org/W2081830393","https://openalex.org/W6925001497","https://openalex.org/W7120351574","https://openalex.org/W1967679198","https://openalex.org/W3185160963","https://openalex.org/W2083069223","https://openalex.org/W7026645930"],"abstract_inverted_index":{"O":[0],"presente":[1,67],"estudo":[2],"objetivou":[3],"estimar":[4],"as":[5,323],"probabilidades":[6],"de":[7,11,15,35,50,52,76,120,123,125,129,132,142,146,167,187,189,200,211,215,232,241,243,245,255,261,273,294,302],"insolv\u00eancia":[8,201,242],"das":[9,202,268,321],"cooperativas":[10,51,134,203,244,293],"cr\u00e9dito":[12,53,168,295],"do":[13,23,33,48,83,107,219,266],"Estado":[14],"Minas":[16],"Gerais,":[17],"condicionadas":[18],"aos":[19],"indicadores":[20,165,328],"cont\u00e1beis":[21,217,329],"financeiros":[22,218,331],"sistema":[24,40,220],"Pearls,":[25,221],"o":[26,46,80,104,158,213,227,271],"qual":[27],"\u00e9":[28,234],"recomendado":[29],"pelo":[30],"Conselho":[31],"Mundial":[32],"Cooperativismo":[34],"Poupan\u00e7a":[36],"e":[37,114,144,185,291,317,330],"Cr\u00e9dito.":[38],"Esse":[39],"tem":[41],"como":[42,70,258],"principal":[43],"objetivo":[44],"possibilitar":[45],"monitoramento":[47,214],"desempenho":[49,267],"singulares,":[54],"auxiliando":[55],"os":[56,164,193,222],"seus":[57,249],"administradores":[58,250],"a":[59,72,180,209,237,282],"encontrar":[60],"solu\u00e7\u00f5es":[61],"para":[62,79,236,264,288,311],"defici\u00eancias":[63],"dessas":[64],"institui\u00e7\u00f5es.":[65],"No":[66,280],"estudo,":[68],"classificou-se":[69],"insolvente":[71],"cooperativa":[73],"que":[74,96,163,212,305],"deixou":[75],"enviar":[77],"balan\u00e7os":[78],"Banco":[81,105],"Central":[82,106],"Brasil,":[84],"possu\u00eda":[85],"patrim\u00f4nio":[86,90],"l\u00edquido":[87,91],"negativo":[88],"ou":[89,94],"ajustado":[92],"negativo,":[93],"ainda":[95],"se":[97],"encontrasse":[98],"classificada":[99,170],"nas":[100],"seguintes":[101],"situa\u00e7\u00f5es":[102],"com":[103,157,179,300],"Brasil:":[108],"paralisada,":[109],"em":[110,115],"liquida\u00e7\u00e3o":[111,116],"extrajudicial,":[112],"cancelada/encerrada":[113],"ordin\u00e1ria.":[117],"A":[118],"partir":[119],"uma":[121,130],"base":[122],"dados":[124],"9.456":[126],"observa\u00e7\u00f5es":[127],"coletadas":[128],"amostra":[131],"112":[133],"filiadas":[135],"ao":[136,247],"Sicoob-Crediminas,":[137],"no":[138],"per\u00edodo":[139],"entre":[140],"janeiro":[141],"1995":[143],"maio":[145],"2008,":[147],"modelos":[148],"da":[149,182,198,229,239],"classe":[150],"Logit":[151],"foram":[152,192],"estimados.":[153],"Os":[154],"resultados":[155,207,285],"obtidos":[156,287],"melhor":[159],"ajuste":[160],"permitem":[161],"inferir":[162],"\"opera\u00e7\u00f5es":[166],"vencidas/carteira":[169],"total\",":[171,175],"\"capital":[172],"institucional/":[173],"ativo":[174],"\"ativos":[176],"n\u00e3o":[177,224],"direcionados":[178],"atividade-fim":[181],"cooperativa/ativo":[183],"total\"":[184],"\"rendas":[186],"presta\u00e7\u00e3o":[188],"servi\u00e7os/despesas":[190],"administrativas\"":[191],"mais":[194],"relevantes":[195],"na":[196,204,251,259,314,318],"determina\u00e7\u00e3o":[197,238],"probabilidade":[199,240],"amostra.":[205],"Tais":[206],"corroboram":[208],"hip\u00f3tese":[210],"\u00edndices":[216],"quais":[223,324],"t\u00eam":[225],"sido":[226],"foco":[228],"an\u00e1lise":[230],"tradicional":[231],"balan\u00e7os,":[233],"importante":[235],"cr\u00e9dito,":[246],"auxiliar":[248],"identifica\u00e7\u00e3o":[252],"dos":[253,277,284],"fatores":[254],"risco,":[256],"bem":[257],"cria\u00e7\u00e3o":[260],"um":[262],"referencial":[263],"compara\u00e7\u00e3o":[265],"cooperativas,":[269,322],"facilitando":[270],"processo":[272],"supervis\u00e3o":[274],"por":[275],"parte":[276],"\u00f3rg\u00e3os":[278],"reguladores.":[279],"entanto,":[281],"amplia\u00e7\u00e3o":[283],"aqui":[286],"per\u00edodos":[289],"posteriores":[290],"outras":[292],"brasileiras":[296],"deve":[297],"ser":[298,309],"feita":[299],"cuidado,":[301],"tal":[303],"modo":[304],"especifica\u00e7\u00f5es":[306],"alternativas":[307],"devem":[308],"avaliadas":[310],"captar":[312],"mudan\u00e7as":[313],"conjuntura":[315],"econ\u00f4mica":[316],"estrutura":[319],"administrativa":[320],"podem":[325],"influenciar":[326],"nos":[327],"destas.":[332]},"counts_by_year":[{"year":2026,"cited_by_count":2},{"year":2024,"cited_by_count":3},{"year":2023,"cited_by_count":3},{"year":2022,"cited_by_count":3},{"year":2021,"cited_by_count":1},{"year":2020,"cited_by_count":1},{"year":2017,"cited_by_count":1},{"year":2015,"cited_by_count":2},{"year":2014,"cited_by_count":4},{"year":2013,"cited_by_count":1}],"updated_date":"2026-11-07T11:25:07.637180","created_date":"2016-06-24T00:00:00"}