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<strong>Endorser</strong> – A signer of a promissory note who is secondarily liable for a loan obligation. A lender may require a PLUS applicant with adverse credit history to obtain a creditworthy endorser in order to receive the loan.

price system (DO, P1)<br />A method of allocating goods and services or factors of production by the free movement of prices. The characteristics of this system are its economy in the amount of information needed for decision making and its ability to bring about swift adjustments of supply to demand. Excess DEMAND automatically pushes up prices, giving a direct signal to producers to increase their labour forces and capital stocks. However, the price system is criticized on the grounds that it ignores many sociAL cosTs as these are rarely evaluated and charged to those responsible and can create income inequalities.<br /><em>See also:</em> central planning
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<strong>GED</strong> – General Educational Development certificate, an equivalent of a high school diploma. (See also “Ability to benefit.” )

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08-06-2011 04:12 AM

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pecuniary returns (D3)<br />Rewards to a FACTOR OF PRODUCTION in the form of money.<br /><em>See also:</em> non-pecuniary returns
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productivity (04)<br />The amount of real output produced by one unit of a factor input. Labour and capital productivities have been extensively studied to understand the process of economic growth and the international trade performance of individual countries. US studies show that productivity is higher in more CAPITAL-INTENSIVE industries, which are also unionized and where the cost of turnover and supervision is lower and there is more industrial harmony. Labour productivity is measured as output per person, assuming that the quantities of other factors employed are constant (a difficult assumption in the case of capital). In general, labour productivity can be regarded as a function of investment and the business cycle, as well as the degree of supervision of the workforce and of salary differentials and incentives_<br /><em>Reference</em><br />Barrell, R., Mason, G. and O'Mahony, M. (eds) (2000) Productivity, innovation and economic performance, Cambridge, New York and Melbourne: Cambridge University Press Davies, S.W and Caves, R.E. (1987) Britain's Productivity Gap -A Study Based on British and American Industries, 1968-77, Cambridge: Cambridge University Press Denison, E.E. (1967) Why Growth Rates Differ, Washington, DC: Brookings Institution Kravis, LB. (1976) 'A survey of international comparisons of productivity', Economic Journa/86 (March): 1-44.

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short-term money market (G1)<br />A market in financial securities with a life of several months at most based in a major financial centre. Since 1970, many new markets of this kind have been established in the City of London, New York and European financial capitals. The items traded include CERTIFICATES OF DEPOSIT, TREASURY BILLS, COMMERCIAL BILLS, local authority bills, discount house deposits, local authority deposits, Ecus and SPECIAL DRAWING RIGHTS.<br /><em>See also:</em> discount market

<strong>Common Record: CommonLine (CR:C)</strong> – The FFEL Program industry' s newest electronic communication standards by which loan and borrower information is electronically gathered, stored, and transmitted via an XML format. CR:C file specifications are agreed to by the industry' s Electronic Standards Committee (ESC) and may be retrieved from the NCHELP website at www.nchelp.org.
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Automated Real-time Investment Exchange (G1)<br />A computerized arrangement for dealing in shares set up by MERCHANT BANKS in the City of London in 1974 to bypass the INTERNATIONAL STOCK EXCHANGE and thus save brokers' commission. It never attracted a high proportion of the London trading volume.

discounting (DO, M4)<br />A method used to value at the same date economic flows or stocks which have originated at different dates. A typical use of discounting is to convert the expected future incomes from an asset to present values using a DISCOUNT RATE.<br /><em>See also:</em> discounted cash flow
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Gerschenkron effect (C1, NO, F2)<br />The effect of the choice of a particular base year on an index of industrial output. In a largely agrarian society, the base year chosen will determine the rate of growth exhibited by that index. This was originally applied to the Soviet economy by the Austro-American economic historian Alexander Gerschenkron (1904-78).<br /><em>Reference</em><br />Gerschenkron, A. (1947) 'The Soviet indices of industrial production', Review of Economics and Statistics 29: 217 26.
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<strong>Borrower-based academic year (BBAY)</strong> – An academic year that deviates from the standard definition and is often used by technical or vocational schools or within non-traditional programs of study. A BBAY is individualized for each borrower and generally covers a period of time during which the borrower completes at least a certain number of credit hours.
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<strong>Repurchase (of a claim)</strong> – The lender' s purchase of a defaulted loan from the guarantor that bought the claim.
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<strong>ED</strong> – U.S. Department of Education, which may also be referred to as DE or simply the Department.
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<strong>College Access Initiative</strong> – Included in the Deficit Reduction Act of 2005, this initiative requires guarantors to undertake activities to promote access to postsecondary education. Information and tools may cover topics such as college planning, career preparation, and paying for college and may be made available via websites, publications, or other programs.

<strong>P</strong> – Type of Dear Colleague Letter providing information about Pell Grants.

Bureau of Economic Analysis (H1)<br />The branch of the US Department of Commerce responsible for assembling and publishing US national income accounts.<br /><em>See also:</em> National Income and Product Accounts
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Barbon, Nicholas, c.1640-98 (B3)<br />Born in London and then a student of medicine in Leyden, and Utrecht. He established the first fire insurance office in London 1681, was elected Member of Parliament for Bramber in 1690 and 1695; founder of a LAND BANK in 1698. In A Discourse of Trade (1690), his principal work, he discusses trade, value and money and distances himself from MERCANTILISTs who considered the TRADE BALANCE to be

overvalued currency (F3)<br />A currency with a value above its sustainable market rate.
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<strong>Header</strong> – A term that comes at the beginning of the school' s scheduled academic year (SAY).

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<strong>Permanent resident of the United States</strong> – A person who meets certain requirements of the U.S. Citizenship and Immigration Services (USCIS), a division of the Department of Homeland Security (DHS). (Formerly known as the INS. On March 1, 2003, the INS transitioned into the DHS and was renamed the USCIS.)
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<strong>PG</strong> – Print and Guarantee, a type of application process flow within the FFEL Program and outlined in CommonLine file specifications. In a “PG” process flow, the school submits loan application information to the guarantor or lender, and that entity then either mails a paper MPN to the borrower for completion or makes the application available online for the borrower to access and complete. Once the borrower completes his/her portion of the application process, the loan is guaranteed. A PG process often works well for PLUS loans, whereby the borrower must first pass a credit check before the loan can be guaranteed.

<strong>Gallagher grant</strong> – Missouri' s Charles Gallagher Student Financial Assistance Program, administered by the MDHE until the 2006-07 academic year and replaced by Access Missouri August 28, 2007.

an economic activity does not have any spin-offs in terms of services and processing and so there is an absence of the dynamic effects of intersectoral growth.<br /> 2 A sub-economy of an advanced economy, e.g. in the USA, ethnic groups have formed distinct sub-economies with, for example, Cubans or Mexicans comprising both the owners and workers.

New Cambridge economics (B2)<br />The analytical approach of the CAMBRIDGE ECONOMIC POLICY group led by Wynne Godley who offered an ALTERNATIVE ECONOMIC STRATEGY for the UK economy in the 1970s. The group believed that inflation can be caused by trade union power, an increase in world commodity prices and devaluation. Its policy recommendations included an expansionary fiscal policy, import quotas to correct balance of payments problems and the setting of tax rates at a level likely to bring about full employment and a balance of payments equilibrium.<br /><em>Reference</em><br />Cuthbertson, K. (1979) Macroeconomic Policy. The New Cambridge, Keynesian and Monetarist Controversies, London and Basingstoke: Macmillan.
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<strong>Federal Direct Loan Program (FDLP)</strong> – The William D. Ford Direct Loan Program, a federal student loan program through which the U.S. Department of Education loans money directly to students and parents rather than having the loans funded by private lenders, as in the case of the FFEL Program.
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new institutional economics (GO, HO, LO, 00, PO)<br />An interdisciplinary study approach to economics employing AGENCY THEORY, PROPERTY RIGHTS and TRANSACTION COSTS economics to analyse economic institutions and provide an alternative to NEOCLASSICAL ECONOMICS. Its many applications include industrial organization, corporate governance, public choice, the economics of development and the transformation of post-socialist economies.<br /><em>Reference</em><br />Samuels, W (1995) 'The present state of institutional economics', Cambridge Journal of Economics 19: 569-90.

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gold reserves (E5)<br />Gold holdings of a CENTRAL BANK used only for transactions with other central banks. The amount of gold reserves in the world at any time is equal to the amount produced less the private demand for jewellery, dentistry and hoarding, together with past accumulations.<br /><em>See also:</em> gold bullion standard

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<strong>MIME</strong> – Multi-purpose Internet Mail Extensions, a standard messaging protocol used to exchange text in languages with different character sets and multi-media email among many different computer systems that use internet mail.
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<strong>IPEDS</strong> – Integrated Postsecondary Education Data System, an annual report filed by postsecondary educational institutions to the U.S. Department of Education. IPEDS data is submitted to the National Center on Education Statistics (NCES).

despite a rise in its price. INCOME AND suBSTITUTION EFFECTS analysis is USed to explain this paradox: the income effect outweighs the substitution effect and there is a change in the sign of the income effect from positive to negative.<br /> In the figure, 11 and 12 are the indifference curves of a particular consumer faced with the choice between goods F and G. There is a fall in the price of good G (more of it can be obtained for a fixed amount of F) expressed by a shift in the budget line from AC to AD, but there is also a fall in the quantity demanded of it from Or to Oq as the income effect yz is more than the substitution effect xz. <br /><em>Reference</em><br />Boland, L.A. (1977) 'Giffen goods, market prices and testability', Australian Economic Papers 16: 72-85.<br /> Stigler, G.J. (1947) 'Notes on the history of the Giffen paradox', Journal of Political Economy 55: 152-6.
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<strong>Custom Reports</strong> – A reporting feature within MODEL Direct allowing reports to be created on demand with customized filter criteria and with real-time data.
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Metzler paradox (F1)<br />Despite a tariff imposing a charge, it can lead to a lower post-tariff price if the world price is forced down through an inelastic foreign demand for the importing country's export good.<br /><em>Reference</em><br />Metzler, LA. (1949) 'Tariffs, international demand, and domestic prices', Journal of Political Economy, 57:345-51.

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<strong>DL</strong> – Direct Loan Program, a federal student loan program through which the U.S. Department of Education loans money directly to students and parents rather than having the loans funded by private lenders, as in the case of the FFEL Program. Direct lending is codified in federal regulations within 34 CFR 685.
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<strong>Ability to benefit</strong> – Basis on which a student without a high school diploma or GED may qualify for federal student aid. To demonstrate the ability to benefit from a program of study, a student must take a test that is approved by the U.S. Department of Education.

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tax buoyancy (H2)<br />The growth of total tax revenue at the same, or a greater, rate of the growth of income or output.<br /><em>See also:</em> tax elasticity

<strong>CommonLine loan sequence number</strong> – A 2-digit number typically assigned by the guarantor at the time of guarantee. This number is attached to the end of the CommonLine unique identifier.

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<strong>Limitation</strong> – The continuation of a school' s eligibility to participate in the guarantor' s programs, subject to compliance with special conditions or restrictions established by the U.S. Department of Education or by the guarantor.
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<strong>MASFAP</strong> – Missouri Association of Student Financial Aid Personnel. May be found on the world wide web at www.masfap.org.
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gold bullion standard (F3)<br />A fixed exchange rate system which existed in its purest form from 1880 to 1914. National currencies were valued in terms of weight units of gold, and exchange rates were fixed through the medium of gold. If international transactions were not in balance then internal adjustment was needed in the debtor country. Currencies on the gold standard were convertible into each other merely with the cost of shipping gold from one country to another. The key player of the system was the CENTRAL BANK of each COUntry as it had the tasks of contracting the internal money supply - in the case of a balance of payments deficit to produce a credit contraction, and the reverse in the case of a balance of payments surplus. Both domestically and internationally, gold was ideal because of its unique qualities as a standard of value and as a medium of exchange. It applied the ONE-PRICE LAW throughout the world, permitting gold to flow according to the price specie-flow mechanism. But too little co-operation between the central banks (many of whom were reluctant to follow the harsh rules of the system) weakened the automatic effects of the gold standard. The gold standard was in force in the UK from 1717 to 1931 (apart from the Napoleonic Wars and the First World War). Before the First World War the BANK OF ENGLAND, as the CENTRAL BANK of the creditor country of the world, operated according to

<strong>Participation agreement</strong> – Agreement with the MDHE that permits a school to participate in the state student assistance programs.

20 subsidiary (L4)<br />A subsidiary of a US bank holding company or a bank foreign to the USA permitted by the FEDERAL RESERVE on a case-by-case basis to engage in underwriting and security dealing. The section is part of the Bank Holding Act.
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mortgage credit association (G2)<br />An association owned by its members which raises finance by issuing bonds on a stock exchange. The interest payable on loans fixed over a five-year period is kept low by the relatively small costs of administration. This type of association has flourished in Denmark.<br /><em>See also:</em> building society; savings and loan association
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productivity bargaining (13)<br />1 Wage bargaining which rewards workers for consenting to new working arrangements so that output can be increased. It was very popular in the UK in the 1960s under an !NCOMES POLICY which allowed supernorm increases if there was a genuine increase in productivity. Many difficulties arose, including the difficulty of separating labour from capital productivity, the resentment that workers who had long held back productivity growth by their RESTRICTIVE PRACTICES were disproportionately rewarded and the difficulty of applying the principle to some sectors of the labour market, particularly the service industries. There was much less productivity bargaining in the USA in that period. Passing on productivity gains in higher wages, rather than in lower prices and higher output, it is argued, threatens the long-term employment prospects of workers.

<strong>Financial Aid Officer (FAO)</strong> – A staff member at an eligible school who administers financial aid programs.
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advance (GO)<br />A bank loan or an overdraft which has a term of less than three years, usually less than one year. When a bank creates money, it does so by allowing advances to its customers, i.e. permitting them to draw on the extra bank deposits created for them. An overdraft is a permission to 'overdraw' up to a certain amount for a specified period, but a loan results in an immediate crediting of the borrower's account.
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Gibrat's law (L2, R1)<br />The relationship between size and rate of growth of an entity such as a firm or a city.<br /><em>See also:</em> Zipf's law <br /><em>Reference</em><br />Sutton, J. (1997) 'Gibrat's legacy', Journal of Economic Literature 35: 40 59.

<strong>Need cutoff</strong> – The need amount that students had to demonstrate to qualify for the Gallagher and College Guarantee Programs through the 2006-07 academic year. The MDHE estimated the need cutoff in the spring of each year before final appropriations and student eligibility was known. The actual need cutoff was then determined prior to setting spending authority in FAMOUS.

long (F3)<br />A foreign exchange surplus. A foreign exchange dealer is 'in long' when his or her bank has a surplus of a particular currency.<br /><em>See also:</em> short

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<strong>Perkins Loan</strong> – The Federal Perkins Loan Program, a campus-based Title IV student loan program administered by the school.
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<strong>SAL</strong> – School as Lender. A school, other than a correspondence school, that has been approved to act as a lender under the FFEL Program for its graduate and professional students. (Note: to participate as an SAL, the school had to be participating as of April 1, 2006. No new schools are being approved to act as their own lender.)

regional wage bargaining (B)<br />Wage negotiations for an industrial or occupational group covering workers in part of a country. This departure from national wage bargaining is popular with many employers. It enables pay to reflect more closely LOCAL LABOUR MARKET conditions; unions have often objected to this as it gives rise to regional wage differentials thus departing from the hallowed union tradition of setting the same pay for all workers of the same occupation or industry.

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<strong>Electronic Funds Transfer (EFT)</strong> – The transfer of funds via an electronic method such as wire, which is realtime, or Automated Clearinghouse (ACH), an overnight process.
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<strong>Be A Smart Borrower Expansion Portfolio</strong> – A resource for students taking loans. It helps keep the borrower' s important information collected and organized. Contact the MDHE default prevention department for more information: marilyn.landrum@dhe.mo.gov or (573) 522-6285.

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general government net worth (H6) The fixed capital stock of central or local government less its net financial liabilities. This BALANCE SHEET approach to the study of government finance has been suggested as a framework for assessing a government's ability to sustain its economic policies. It also has the useful function of making governments distinguish productive investments from debt servicing.
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rate of return (GO, M2)<br />The ratio of the earnings from an asset to the value of that asset, usually expressed as a percentage. Companies calculate this as the ratio of pre-tax profit to the capital employed. Private and social rates of return of HUMAN CAPITAL and of major public investments are often calculated. An alternative measure is the INTERNAL RATE oF RETURN which takes into account the timing of earnings.

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new industrial state (PO)<br />GALBRAITH's term for the modern economy which is dominated by a 'technostructure' of large firms dedicated to stable production and the creation of wants so that there is no deficiency of demand for their products. He argues that the planning system used can be practised by both CAPITALIST and SOCIALIST ECONOMIES.<br /><em>Reference</em><br />Galbraith, LK. (1967) The New Industrial State, London: Hamish Hamilton; Boston, MA: Houghton Mifflin.
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ECONOMY that causes self-interested economic agents through exchange to promote the general good of society. The idea originated in the discussion of natural law by the English philosopher John LOCKE but is usually associated with Adam SMITH who, in his Theory of Moral Sentiments and less so in his Wealth of Nations, developed this PHYS!OCRATIC notion. Smith's use of the principle was less sensational than MANDEVILLE's that described how private vices promote public virtue. Ahmad has identified four functions of the 'invisible hand': to limit the size of the landlord's stomach, to curb the residual selfishness of a landlord, to optimize production and to preserve the natural order.<br /><em>Reference</em><br />Ahmad, S. (1990) 'Adam Smith's four invisible hands', History of Political Economy 22: 137-43.

normative economics (A1)<br />Economics based on value judgments stating what should be the case, e.g 'personal incomes should be equal'. The distinction between this type of economics and POSITIVE ECONOMICS includes in its ancestry HUME's 'is-ought' dichotomy. Normative issues, cen tral to WELFARE ECONOMICS, cannot be settled by appeals to facts.<br /><em>See also:</em> economic methodology <br /><em>Reference</em><br />My rdal, G. (1954) The Political Element in the Development of Economic Thought, trans. P Strecten, London: Routledge & Kegan Paul.

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<strong>Web loan delivery product</strong> – An online system that allows schools, borrowers, and/or lenders to inquire on loans or borrowers, submit change transactions, manage files, and guarantee new loans via the internet. The MDHE' s product is called MODEL Direct.

<strong>Week of instruction</strong> – Any period of 7 consecutive days in which the school provides at least one day of regularly scheduled instruction or examinations.
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<strong>Assignment</strong> – Language placed on or attached to the promissory note indicating a change or transfer of loan ownership (e.g., when a loan is sold by a lender to a secondary market).

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08-07-2011 12:29 PM

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Caribbean Basin Initiative (FO)<br />An arrangement agreed in 1984 to give exports of countries of the Caribbean region tariff-free access to the USA.

debenture (G1)<br />A company or corporation security, usually taking the form of a fixed interest
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latent entrepreneurship (M1)<br />The unfulfilled desire to set up one's own business.
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yield gap (GO)<br />The YIELD on equities minus the yield on bonds. Inflation after 1959 depressed the capital values of bonds, raising their yields in both the UK and the USA: this created a reverse yield that has fluctuated between about 1 per cent and 9 per cent.

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