{"bundle_type":"pith_open_graph_bundle","bundle_version":"1.0","pith_number":"pith:2015:LXGPW723WZVAPI7RXHX4QWJ6II","short_pith_number":"pith:LXGPW723","canonical_record":{"source":{"id":"1504.05737","kind":"arxiv","version":1},"metadata":{"license":"http://arxiv.org/licenses/nonexclusive-distrib/1.0/","primary_cat":"q-fin.RM","submitted_at":"2015-04-22T11:26:03Z","cross_cats_sorted":["physics.soc-ph"],"title_canon_sha256":"0fb98a3402df973527aa3479271f2f2d68213442ce9950d1d7bed0c31288b567","abstract_canon_sha256":"3bc7ae62aa863bafc5774585338943cf74524d742a9e0df18de5ed4ea179db2a"},"schema_version":"1.0"},"canonical_sha256":"5dccfb7f5bb66a07a3f1b9efc8593e4206a833feb854661efd7b232edcb3c36b","source":{"kind":"arxiv","id":"1504.05737","version":1},"source_aliases":[{"alias_kind":"arxiv","alias_value":"1504.05737","created_at":"2026-05-18T00:00:22Z"},{"alias_kind":"arxiv_version","alias_value":"1504.05737v1","created_at":"2026-05-18T00:00:22Z"},{"alias_kind":"doi","alias_value":"10.48550/arxiv.1504.05737","created_at":"2026-05-18T00:00:22Z"},{"alias_kind":"pith_short_12","alias_value":"LXGPW723WZVA","created_at":"2026-05-18T12:29:29Z"},{"alias_kind":"pith_short_16","alias_value":"LXGPW723WZVAPI7R","created_at":"2026-05-18T12:29:29Z"},{"alias_kind":"pith_short_8","alias_value":"LXGPW723","created_at":"2026-05-18T12:29:29Z"}],"events":[{"event_type":"record_created","subject_pith_number":"pith:2015:LXGPW723WZVAPI7RXHX4QWJ6II","target":"record","payload":{"canonical_record":{"source":{"id":"1504.05737","kind":"arxiv","version":1},"metadata":{"license":"http://arxiv.org/licenses/nonexclusive-distrib/1.0/","primary_cat":"q-fin.RM","submitted_at":"2015-04-22T11:26:03Z","cross_cats_sorted":["physics.soc-ph"],"title_canon_sha256":"0fb98a3402df973527aa3479271f2f2d68213442ce9950d1d7bed0c31288b567","abstract_canon_sha256":"3bc7ae62aa863bafc5774585338943cf74524d742a9e0df18de5ed4ea179db2a"},"schema_version":"1.0"},"canonical_sha256":"5dccfb7f5bb66a07a3f1b9efc8593e4206a833feb854661efd7b232edcb3c36b","receipt":{"kind":"pith_receipt","key_id":"pith-v1-2026-05","algorithm":"ed25519","signed_at":"2026-05-18T00:00:22.913839Z","signature_b64":"C66rC1XO6UGwLXCXGF7zVqLorHpaBD2nPqsI7yCwFqegsz2smYSZWklNr8sMmSc001qQDjbzmDzrthLv3OJyAA==","signed_message":"canonical_sha256_bytes","builder_version":"pith-number-builder-2026-05-17-v1","receipt_version":"0.3","canonical_sha256":"5dccfb7f5bb66a07a3f1b9efc8593e4206a833feb854661efd7b232edcb3c36b","last_reissued_at":"2026-05-18T00:00:22.913324Z","signature_status":"signed_v1","first_computed_at":"2026-05-18T00:00:22.913324Z","public_key_fingerprint":"8d4b5ee74e4693bcd1df2446408b0d54"},"source_kind":"arxiv","source_id":"1504.05737","source_version":1,"attestation_state":"computed"},"signer":{"signer_id":"pith.science","signer_type":"pith_registry","key_id":"pith-v1-2026-05","public_key_fingerprint":"8d4b5ee74e4693bcd1df2446408b0d54"},"created_at":"2026-05-18T00:00:22Z","supersedes":[],"prev_event":null,"signature":{"signature_status":"signed_v1","algorithm":"ed25519","key_id":"pith-v1-2026-05","public_key_fingerprint":"8d4b5ee74e4693bcd1df2446408b0d54","signature_b64":"TEN1qKHktNZ4UsfJ6AqoCNwTbU8AEFisQZ0XzEpkpnw5V6fB0TJOG8Z5g6JC7Sp4Xao6KakXJm8oSqp/3RWgDw==","signed_message":"open_graph_event_sha256_bytes","signed_at":"2026-06-26T01:09:56.719171Z"},"content_sha256":"64e18662767dda734fa1fc10aebb513a5e6134c556ccbc8d45b73d63cdac2e4e","schema_version":"1.0","event_id":"sha256:64e18662767dda734fa1fc10aebb513a5e6134c556ccbc8d45b73d63cdac2e4e"},{"event_type":"graph_snapshot","subject_pith_number":"pith:2015:LXGPW723WZVAPI7RXHX4QWJ6II","target":"graph","payload":{"graph_snapshot":{"paper":{"title":"Agent-based mapping of credit risk for sustainable microfinance","license":"http://arxiv.org/licenses/nonexclusive-distrib/1.0/","headline":"","cross_cats":["physics.soc-ph"],"primary_cat":"q-fin.RM","authors_text":"Boris Podobnik, Joung-Hun Lee, Marko Jusup, Yoh Iwasa","submitted_at":"2015-04-22T11:26:03Z","abstract_excerpt":"Inspired by recent ideas on how the analysis of complex financial risks can benefit from analogies with independent research areas, we propose an unorthodox framework for mapping microfinance credit risk---a major obstacle to the sustainability of lenders outreaching to the poor. Specifically, using the elements of network theory, we constructed an agent-based model that obeys the stylised rules of microfinance industry. We found that in a deteriorating economic environment confounded with adverse selection, a form of latent moral hazard may cause a regime shift from a high to a low loan repay"},"claims":{"count":0,"items":[],"snapshot_sha256":"258153158e38e3291e3d48162225fcdb2d5a3ed65a07baac614ab91432fd4f57"},"source":{"id":"1504.05737","kind":"arxiv","version":1},"verdict":{"id":null,"model_set":{},"created_at":null,"strongest_claim":"","one_line_summary":"","pipeline_version":null,"weakest_assumption":"","pith_extraction_headline":""},"references":{"count":0,"sample":[],"resolved_work":0,"snapshot_sha256":"258153158e38e3291e3d48162225fcdb2d5a3ed65a07baac614ab91432fd4f57","internal_anchors":0},"formal_canon":{"evidence_count":0,"snapshot_sha256":"258153158e38e3291e3d48162225fcdb2d5a3ed65a07baac614ab91432fd4f57"},"author_claims":{"count":0,"strong_count":0,"snapshot_sha256":"258153158e38e3291e3d48162225fcdb2d5a3ed65a07baac614ab91432fd4f57"},"builder_version":"pith-number-builder-2026-05-17-v1"},"verdict_id":null},"signer":{"signer_id":"pith.science","signer_type":"pith_registry","key_id":"pith-v1-2026-05","public_key_fingerprint":"8d4b5ee74e4693bcd1df2446408b0d54"},"created_at":"2026-05-18T00:00:22Z","supersedes":[],"prev_event":null,"signature":{"signature_status":"signed_v1","algorithm":"ed25519","key_id":"pith-v1-2026-05","public_key_fingerprint":"8d4b5ee74e4693bcd1df2446408b0d54","signature_b64":"g24wndjqs9DD/KQXjnkftvkKJq1i8SPmGcULhr1PIfW1t9KRD88n33sBQfHf/8jni+8d5I6yz4j9g6WVeuU6AQ==","signed_message":"open_graph_event_sha256_bytes","signed_at":"2026-06-26T01:09:56.719529Z"},"content_sha256":"9c7f5d29a8f364f039c6138fca4b15cac1360e07011217749bb0da103f0ef028","schema_version":"1.0","event_id":"sha256:9c7f5d29a8f364f039c6138fca4b15cac1360e07011217749bb0da103f0ef028"}],"timestamp_proofs":[],"mirror_hints":[{"mirror_type":"https","name":"Pith Resolver","base_url":"https://pith.science","bundle_url":"https://pith.science/pith/LXGPW723WZVAPI7RXHX4QWJ6II/bundle.json","state_url":"https://pith.science/pith/LXGPW723WZVAPI7RXHX4QWJ6II/state.json","well_known_bundle_url":"https://pith.science/.well-known/pith/LXGPW723WZVAPI7RXHX4QWJ6II/bundle.json","status":"primary"}],"public_keys":[{"key_id":"pith-v1-2026-05","algorithm":"ed25519","format":"raw","public_key_b64":"stVStoiQhXFxp4s2pdzPNoqVNBMojDU/fJ2db5S3CbM=","public_key_hex":"b2d552b68890857171a78b36a5dccf368a953413288c353f7c9d9d6f94b709b3","fingerprint_sha256_b32_first128bits":"RVFV5Z2OI2J3ZUO7ERDEBCYNKS","fingerprint_sha256_hex":"8d4b5ee74e4693bcd1df2446408b0d54","rotates_at":null,"url":"https://pith.science/pith-signing-key.json","notes":"Pith uses this Ed25519 key to sign canonical record SHA-256 digests. Verify with: ed25519_verify(public_key, message=canonical_sha256_bytes, signature=base64decode(signature_b64))."}],"merge_version":"pith-open-graph-merge-v1","built_at":"2026-06-26T01:09:56Z","links":{"resolver":"https://pith.science/pith/LXGPW723WZVAPI7RXHX4QWJ6II","bundle":"https://pith.science/pith/LXGPW723WZVAPI7RXHX4QWJ6II/bundle.json","state":"https://pith.science/pith/LXGPW723WZVAPI7RXHX4QWJ6II/state.json","well_known_bundle":"https://pith.science/.well-known/pith/LXGPW723WZVAPI7RXHX4QWJ6II/bundle.json"},"state":{"state_type":"pith_open_graph_state","state_version":"1.0","pith_number":"pith:2015:LXGPW723WZVAPI7RXHX4QWJ6II","merge_version":"pith-open-graph-merge-v1","event_count":2,"valid_event_count":2,"invalid_event_count":0,"equivocation_count":0,"current":{"canonical_record":{"metadata":{"abstract_canon_sha256":"3bc7ae62aa863bafc5774585338943cf74524d742a9e0df18de5ed4ea179db2a","cross_cats_sorted":["physics.soc-ph"],"license":"http://arxiv.org/licenses/nonexclusive-distrib/1.0/","primary_cat":"q-fin.RM","submitted_at":"2015-04-22T11:26:03Z","title_canon_sha256":"0fb98a3402df973527aa3479271f2f2d68213442ce9950d1d7bed0c31288b567"},"schema_version":"1.0","source":{"id":"1504.05737","kind":"arxiv","version":1}},"source_aliases":[{"alias_kind":"arxiv","alias_value":"1504.05737","created_at":"2026-05-18T00:00:22Z"},{"alias_kind":"arxiv_version","alias_value":"1504.05737v1","created_at":"2026-05-18T00:00:22Z"},{"alias_kind":"doi","alias_value":"10.48550/arxiv.1504.05737","created_at":"2026-05-18T00:00:22Z"},{"alias_kind":"pith_short_12","alias_value":"LXGPW723WZVA","created_at":"2026-05-18T12:29:29Z"},{"alias_kind":"pith_short_16","alias_value":"LXGPW723WZVAPI7R","created_at":"2026-05-18T12:29:29Z"},{"alias_kind":"pith_short_8","alias_value":"LXGPW723","created_at":"2026-05-18T12:29:29Z"}],"graph_snapshots":[{"event_id":"sha256:9c7f5d29a8f364f039c6138fca4b15cac1360e07011217749bb0da103f0ef028","target":"graph","created_at":"2026-05-18T00:00:22Z","signer":{"key_id":"pith-v1-2026-05","public_key_fingerprint":"8d4b5ee74e4693bcd1df2446408b0d54","signer_id":"pith.science","signer_type":"pith_registry"},"payload":{"graph_snapshot":{"author_claims":{"count":0,"snapshot_sha256":"258153158e38e3291e3d48162225fcdb2d5a3ed65a07baac614ab91432fd4f57","strong_count":0},"builder_version":"pith-number-builder-2026-05-17-v1","claims":{"count":0,"items":[],"snapshot_sha256":"258153158e38e3291e3d48162225fcdb2d5a3ed65a07baac614ab91432fd4f57"},"formal_canon":{"evidence_count":0,"snapshot_sha256":"258153158e38e3291e3d48162225fcdb2d5a3ed65a07baac614ab91432fd4f57"},"paper":{"abstract_excerpt":"Inspired by recent ideas on how the analysis of complex financial risks can benefit from analogies with independent research areas, we propose an unorthodox framework for mapping microfinance credit risk---a major obstacle to the sustainability of lenders outreaching to the poor. Specifically, using the elements of network theory, we constructed an agent-based model that obeys the stylised rules of microfinance industry. We found that in a deteriorating economic environment confounded with adverse selection, a form of latent moral hazard may cause a regime shift from a high to a low loan repay","authors_text":"Boris Podobnik, Joung-Hun Lee, Marko Jusup, Yoh Iwasa","cross_cats":["physics.soc-ph"],"headline":"","license":"http://arxiv.org/licenses/nonexclusive-distrib/1.0/","primary_cat":"q-fin.RM","submitted_at":"2015-04-22T11:26:03Z","title":"Agent-based mapping of credit risk for sustainable microfinance"},"references":{"count":0,"internal_anchors":0,"resolved_work":0,"sample":[],"snapshot_sha256":"258153158e38e3291e3d48162225fcdb2d5a3ed65a07baac614ab91432fd4f57"},"source":{"id":"1504.05737","kind":"arxiv","version":1},"verdict":{"created_at":null,"id":null,"model_set":{},"one_line_summary":"","pipeline_version":null,"pith_extraction_headline":"","strongest_claim":"","weakest_assumption":""}},"verdict_id":null}}],"author_attestations":[],"timestamp_anchors":[],"storage_attestations":[],"citation_signatures":[],"replication_records":[],"corrections":[],"mirror_hints":[],"record_created":{"event_id":"sha256:64e18662767dda734fa1fc10aebb513a5e6134c556ccbc8d45b73d63cdac2e4e","target":"record","created_at":"2026-05-18T00:00:22Z","signer":{"key_id":"pith-v1-2026-05","public_key_fingerprint":"8d4b5ee74e4693bcd1df2446408b0d54","signer_id":"pith.science","signer_type":"pith_registry"},"payload":{"attestation_state":"computed","canonical_record":{"metadata":{"abstract_canon_sha256":"3bc7ae62aa863bafc5774585338943cf74524d742a9e0df18de5ed4ea179db2a","cross_cats_sorted":["physics.soc-ph"],"license":"http://arxiv.org/licenses/nonexclusive-distrib/1.0/","primary_cat":"q-fin.RM","submitted_at":"2015-04-22T11:26:03Z","title_canon_sha256":"0fb98a3402df973527aa3479271f2f2d68213442ce9950d1d7bed0c31288b567"},"schema_version":"1.0","source":{"id":"1504.05737","kind":"arxiv","version":1}},"canonical_sha256":"5dccfb7f5bb66a07a3f1b9efc8593e4206a833feb854661efd7b232edcb3c36b","receipt":{"algorithm":"ed25519","builder_version":"pith-number-builder-2026-05-17-v1","canonical_sha256":"5dccfb7f5bb66a07a3f1b9efc8593e4206a833feb854661efd7b232edcb3c36b","first_computed_at":"2026-05-18T00:00:22.913324Z","key_id":"pith-v1-2026-05","kind":"pith_receipt","last_reissued_at":"2026-05-18T00:00:22.913324Z","public_key_fingerprint":"8d4b5ee74e4693bcd1df2446408b0d54","receipt_version":"0.3","signature_b64":"C66rC1XO6UGwLXCXGF7zVqLorHpaBD2nPqsI7yCwFqegsz2smYSZWklNr8sMmSc001qQDjbzmDzrthLv3OJyAA==","signature_status":"signed_v1","signed_at":"2026-05-18T00:00:22.913839Z","signed_message":"canonical_sha256_bytes"},"source_id":"1504.05737","source_kind":"arxiv","source_version":1}}},"equivocations":[],"invalid_events":[],"applied_event_ids":["sha256:64e18662767dda734fa1fc10aebb513a5e6134c556ccbc8d45b73d63cdac2e4e","sha256:9c7f5d29a8f364f039c6138fca4b15cac1360e07011217749bb0da103f0ef028"],"state_sha256":"ffeb9e0636b3bbfc1e51da51d57b7da1d011e9f05900b93689635cc9385ff692"},"bundle_signature":{"signature_status":"signed_v1","algorithm":"ed25519","key_id":"pith-v1-2026-05","public_key_fingerprint":"8d4b5ee74e4693bcd1df2446408b0d54","signature_b64":"QE69HWEXdY9S9xWGWKbHmXtH7O9zpSLzA0cnPQZmgMsX94/2yk214WtHy+GPMN/FAy+JRTAeL9zbeluschf8Dw==","signed_message":"bundle_sha256_bytes","signed_at":"2026-06-26T01:09:56.721498Z","bundle_sha256":"2a0984f9cfce71aebcba9b6096f138920349d2879406a0fbfacec2c8466c6344"}}