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08-06-2011 06:34 AM

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<strong>LLR</strong> – Lender of Last Resort, a student loan lender that agrees to make Stafford Loans to qualified students, regardless of the type of school, school' s CDA, etc. The MDHE offers an LLR program for Missouri students.
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08-06-2011 07:01 AM

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not be paid - although in the public sector an imputed rent for the use of land and buildings is often charged in order to take into account the full cost of using factors of production.<br /><em>See also:</em> economic rent
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altruism (DO, L3, PO)<br />Seeking the good of others. This alternative to SELF-INTEREST can be a major motive for economic activity. Many schemes of idealistic socialism rest on this principle. Adam SMITH used the concept of the INVISIBLE HAND to show that unconscious altruism can occur in an economy based on the principle of self-interest.<br /><em>See also:</em> non-profit enterprise; utopia <br /><em>Reference</em><br />Collard, D.A. (1978) Altruism and Economy, Oxford: Martin Robertson; New York: Oxford University Press.
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08-06-2011 07:31 AM

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Variable observed multinational corporation (F2, L2)<br />An international firm that produces goods or services in several countries, without being concentrated in a single country, Although the term first became popular in the 1960s, by the late nineteenth century several US, UK and Dutch firms had acquired such characteristics.<br /> The advantages of production abroad, rather than exporting from the original country of operation, include a saving in transport costs, the adjustment of product design to make products more acceptable to local markets, a reduction, in many cases, in corporate taxation and access to local labour and capital which may be more abundant than at home. The immense success of this form of organization, prominent in many industries, including motor cars, computers, pharmaceuticals, food processing, oil and soap, has attracted envy and criticism: envy from national governments with less economic power and competence; criticism from Marxists who see the growth of multinationals as a sinister international expansion of CAPITALISM. TRADE UNIONS complain about competition from cheap labour countries; science graduates lament the increased concentration of research and development activities in the USA to the detriment of other countries; national governments object to the loss of tax revenue and the difficulties of operating
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<strong>Rolling delinquency</strong> – A delinquency that occurs whenever the delinquent status of a loan is increased or reduced but not completely eliminated as the result of a payment, deferment, forbearance, adjustment to the LDA or OSD, or reversal of a payment.

<strong>GED</strong> – General Educational Development certificate, an equivalent of a high school diploma. (See also “Ability to benefit.” )

<strong>SFA</strong> – Student Financial Aid or Assistance.
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08-06-2011 07:58 AM

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current ratio (M2)<br />The ratio of CURRENT ASSETS to CURRENT LIABILITIES of a firm. Also known as a working capital ratio or 2:1 ratio following the rule of thumb that assets should be twice liabilities, unless the seasonal or speculative nature of the firm requires more working capitaL This is the principal measure of the LIQUIDITY of a firm.

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corporate morality (MO)<br />The maintenance of high ethical standards by businesses. This requires honesty in the accounting and other statements of corporate activity, high-quality safe products, participation in community programmes, care for the environment, an awareness of the long-term interests of the economy in its investment policy and prompt payment of taxation in order to contribute sufficiently to public expenditure.
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08-06-2011 08:28 AM

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recursive system (C3)<br />A system of econometric equations such that if we know the values of variables up to the time t - 1 we can obtain their values at time t. Systems of this kind demonstrate unilateral causal dependence.
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external labour market (J4)<br />A market consisting of competing employers and competing workers. Workers can and will enter firms at different pay and status levels but often with lower remuneration than in oligopolistic firms with INTERNAL LABOUR MARKETS. Much of the external labour market is coterminous with the SECONDARY LABOUR MARKET.
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Caribbean Development Bank (G2) DEVELOPMENT BANK founded in 1970 consisting of seventeen member countries from the Caribbean region as well as Canada and the UK.
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08-06-2011 08:57 AM

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cowboy (Ml)<br />A small-scale business, often in the construction industry, which dishonestly performs a contract and then rides away before non-performance of the contract is discovered.<br /> cowboy economy (MO)<br />An economy, like the US economy, which behaves as if natural resources are infinite in supply and that Nature can absorb any amount of refuse. BOULDING coined this term to describe the 'Wild West' philosophy still prevalent in modern USA.<br /><em>See also:</em> spaceman economy
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intersection price (D4)<br />The unique price where demand and supply price schedules cross.<br /><em>See also:</em> equilibrium price

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sogo shosha (L2)<br />Japanese transnational trading company.
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08-06-2011 09:27 AM

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Rybczynski theorem (Fl)<br />The effect on production, consumption and the TERMS oF TRADE of an increase in the quantity of one factor of production. As the same rates of substitution in

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Sharpe, William, 1934- (B3)<br />Educated at the University of California, Los Angeles, and professor of economics at Stanford University since 1970. He has developed the CAPITAL ASSET PRICING MODEL to examine portfolio risk into its systematic and unsystematic elements. In 1990 he shared the NOBEL PRIZE FOR ECONOMICS with MARKOVITZ and MILLER.<br /><em>See also:</em> beta

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08-07-2011 02:10 AM

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<strong>Missouri College Guarantee PLUS Program</strong> – A scholarship program based on financial need, academic achievement, and participation in the federal TRIO Programs. This scholarship program was administered by the MDHE through the 2006-07 academic year and was replaced by Access Missouri August 28, 2007.

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limited company (L2)<br />A firm owned by shareholders whose liability is limited to the amount of capital subscribed. Since the mid-nineteenth century this has been a powerful means of financing large firms. The extent to which this form of organization is used varies from country to country. In Germany, for example, as it is viewed with suspicion, very few companies are limited liability and public. The development of SECONDARY MARKETS in unlisted securities has encouraged the movement to limited liability.<br /><em>See also:</em> joint stock company; Unlisted Securities Market
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08-07-2011 02:36 AM

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<strong>SLAP</strong> – St. Louis area group of financial aid professionals.

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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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08-07-2011 03:00 AM

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geographical distribution of economic activity. With its roots in MARSHALL's notion of EXTERNAL ECONOMIES and DISECONOMIES OF SCALE, as well as CENTRAL PLACE THEORY, this subject has expanded to include regional science and trade theory.
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<strong>Overaward</strong> – Any amount of a student' s total financial assistance package (excluding Pell Grants) that exceeds the student' s financial need. May also be referred to as an overpayment.

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08-07-2011 03:27 AM

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<strong>Disbursement</strong> – 1) The transfer of loan funds by the lender to the school or escrow agent. (Note: under limited circumstances, a lender may also disburse funds directly to the borrower.) For a Federal Consolidation Loan, disbursement occurs when loan proceeds are transferred from the consolidating lender to the current holder of the loan being consolidated, which pays the original loan in full. 2) For the state student assistance programs administered by the MDHE, disbursement is the transfer of grant or scholarship funds to the school, or in some instances, to the student. Disbursement to the school occurs via EFT or master check. Disbursement to a student occurs via individual check.

<strong>Late conversion</strong> – The scheduling of a FFEL Program borrower' s first payment due date beyond the normal regulatory time limits.

research programme (B4)<br />A cluster of interconnected theories constituting the principal ideas of a group of economists who have agreed on certain basic assumptions, e.g. NEW CLASSICAL ECONOMICS. Lakatos is particularly associated with this approach to economic methodology.<br /><em>See also:</em> economic methodology <br /><em>Reference</em><br />Lakatos, L and Musgrave, A. (eds) (1972) Criticism and the Growth of Knowledge, Cambridge: Cambridge University Press.

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08-07-2011 03:50 AM

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golden rate (13)<br />An excessive rate of pay for overtime which is several times the normal rate for working contracted hours.
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<strong>MPN</strong> – Master Promissory Note. A common form that allows a student or parent to borrow multiple loans for multiple academic years.
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equality standard (D6)<br />An idealistic approach to income distribution giving equal shares to all by equalizing per capita incomes. Critics of this approach assert that human nature is not so altruistic as to tolerate a system of reward which ignores differences in individual persons' contributions to output. Also a fall in labour productivity is a likely consequence of using this policy.<br /><em>See also:</em> altruism; contribution standard; egalitarianism; needs standard
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<strong>Publications Order Form</strong> – The MDHE makes available, free of charge, a variety of publications to assist in providing financial aid officers and students with information about financial assistance, debt management, and default prevention. More information is available at: http://www.dhe.mo.gov/publicationsorderform.shtml.

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08-07-2011 04:15 AM

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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.

<strong>SFY</strong> – State Fiscal Year, a period from July 1 through June 30 of the following calendar year for the state of Missouri.
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Celtic tiger (PO)<br />Ireland, because of its exceptional economic and employment growth among OECD countries. GDP growth averaged over 9 per cent annually in the 1994 - E period and unemployment fell by nine percentage points. There was labour force and labour productivity growth. Merchandise trade grew to 25 per cent of GDP and the fiscal surplus to 1.75 per cent of GDP Although European Union funds and foreign inward investment contributed to economic growth, there was no overriding policy plan which drove the economy forward.

output floor regulation (L5)<br />An alternative to PRICE CAP REGULATION. This requires a regulated firm to produce a minimum output. Under this form of regulation profit is usually lower than under price regulation. The two forms of regulation coincide under a monopoly.<br /> <br /><em>Reference</em><br />Weitzmann, M.L. (1974) 'Prices vs. quantities', Review of Economic Studies 41: 477-91.
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08-07-2011 04:43 AM

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<strong>Gift aid</strong> – Financial aid that does not have to be repaid, including grants and scholarships.
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zero priced (DO)<br />Free. This term enables the prices of everything to be placed on a continuum from zero to a considerable sum. Many goods and services provided by the public sector are given freely to consumers, e.g. most of the health care provided by the UK's National Health Service. Although goods can be free to a consumer, they are not costless because of the scarcity of factor inputs.

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compliance cost (DO)<br />The cost of complying with a government regulation, including taxation. Such costs are incurred by the private sector and by governmental organizations below the level of central/federal government. The costs of compliance include accountants' fees and the OPPORTUNITY COST of the time spent filling in forms.

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08-07-2011 05:08 AM

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<strong>Totally and permanently disabled</strong> – the condition of an individual who is unable to work and earn money due to an injury or illness that is expected to continue indefinitely or eventually result in death.

<strong>Anticipated Graduation Date (AGD)</strong> – The date a student expects to graduate. May also be referred to as the Expected Graduation Date (EGD) or the Anticipated Completion Date (ACD).
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<strong>NPRM</strong> – Notice of Proposed Rulemaking, an announcement in the Federal Register of proposed regulations with explanation and a specified period during which public comment is invited.
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<strong>ATOM</strong> – Automated Transfer of Money, the MDHE' s free disbursing service.

organization theory (L2)<br />A modem THEORY OF THE FIRM that asserts that the goals and behaviour of a firm are the consequences of its organizational structure. This theory challenges earlier theories based on PROFIT MAXIMIZATION. A major example of this new approach is the assertion that managers are satisficiers, not maximizers.<br /><em>See also:</em> managerial models of the firm
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08-07-2011 06:26 AM

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<strong>FP</strong> – Type of Dear Colleague Letter addressed to FFEL Program participants.

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<strong>SMART Grant</strong> – Science and Mathematics Access to Retain Talent, a new federal grant available as of July 1, 2006. Eligibility for this grant is based on science and math curriculum and academic performance as well as financial need. May also be referred to as the National SMART Grant Program.
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factor-augmenting technical progress (02)<br />Technical progress arising from an increase in factor PRODUCTIVITY in the absence of an increase in the stock of capital or the size of the labour force.
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08-07-2011 07:20 AM

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market clearing (DO)<br />Adjusting demand and supply to each other until an EQUILIBRIUM is established. To clear, either price or quantity changes can be used.

seasonal adjustment (C1)<br />The elimination of seasonal fluctuations from a TIME SERIES, often by the method of MOVING AVERAGES.
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<strong>GB</strong> – Graduate borrower, a loan type within CommonLine file specifications used on/after July 1, 2006 to designate a PLUS Loan made to a graduate or professional student as a Grad PLUS Loan. Grad PLUS Loans display within the MDHE' s online product, MODEL Direct, as “GB.”
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marginal social damage (QO)<br />The total cost, private and non-private, to society of producing another unit of a good or service injurious to people and the environment, e.g. a chemical works with pollutant by-products will increase the private costs of its owner and also any member of society coming into contact with the pollution. There is no incentive to abate pollution if the marginal cost of abatement is greater than the marginal social damage.<br /><em>See also:</em> marginal cost of abatement; marginal private damage

<strong>FYE</strong> – First year experience, a term used related to students' first year in attendance at a postsecondary institution.
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<strong>Repayment start date</strong> – the date the repayment period begins. For Stafford Loans, the repayment period begins on the day following the last day of the grace period. For PLUS Loans, repayment begins on the date the loan is fully disbursed. (PLUS Loans are, however, eligible for an in-school deferment when the borrower is enrolled at least half time.)
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08-07-2011 08:41 AM

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<strong>Trailer record</strong> – The ending portion of a CommonLine file. The trailer record contains a summary of the preceding records, including totals, and is used to verify transmissions. In CommonLine file specifications, the trailer record is documented as @T.

<strong>Treasury bill (T-bill)</strong> – A note or bill issued by the U.S. Treasury as legal tender for all debts. The T-bill is used to calculate variable interest rates for federal student loans made prior to July 1, 2006, and to determine special allowance rates.

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currency revaluation (F3)<br />A deliberate increase in the price of a currency with a fixed exchange rate. This is undertaken to reduce a balance of payments surplus. Revaluation is often urged by countries in deficit to enable them to compete more easily in international markets. As a consequence of a revaluation, a CENTRAL BANK suffers losses from the fall in value of its foreign exchange holdings: taxpayers ultimately bear these losses as central banks are usually owned by governments.
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<strong>Federal Perkins Loan</strong> – The Federal Perkins Loan Program, a campus-based Title IV student loan program administered by the school.

European Unit of Account (E4)<br />A basket of the currencies of the member COUntries of the EUROPEAN ECONOMIC COMMUNITY. Each currency is weighted according to its standing and amount in circulation.<br /><em>See also:</em> ecu

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08-07-2011 09:32 AM

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mortgage (GO)<br />Literally a 'dead pledge'; in practice a charge over property given to a lender so that a borrower can raise finance either to effect the original purchase of it or to acquire funds for other purposes. This centuries' old legal device has made possible the financing of mass house ownership throughout non-socialist economies.<br /><em>See also:</em> adjustable rate mortgage; building society; collateralized mortgage obligation; equity-linked mortgage; mortgage bond; mortgage strip; thrift

<strong>Electronic Access Conference (EAC)</strong> – An annual conference sponsored by the U.S. Department of Education.

<strong>MOBIUS</strong> – Missouri Bibliographic Information User system, a consortium of academic libraries. May be found on the world wide web at http://mobius.missouri.edu/.

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means destiny or fate. Lotteries are as ancient as Moses' in the Book of Numbers, chapter 26, and Julius Caesar's to fund repairs to Rome. Several major US universities and the British Libra ry used lotteries to raise initial funding. Today many US states have their own lotteries. A national lottery was reintroduced in the UK in 1994. Within three years 70 per cent of the population were regularly playing the game and 13 per cent of the gaming market had been secured by the lottery. A private consortium, Camelot, has run the lottery for a f ee of 1 per cent of the sales revenue. It has distributed 50 per cent of the take in prize money and 28 per cent has been devoted to 'good causes' not otherwise funded by the government, especially sport and the arts. Lottery fever has always provoked concern as the gullible poor can ruin themselves through buying tickets. The odds of winning the jackpot in the UK lottery, 14 million to 1, illustrate the view of Adam Smith: 'the chance of gain is naturally overvalued, we may learn f rom the universal success of lotteries' (Wealth of Nations, Book I, ch. X, Part I).
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08-07-2011 10:26 AM

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linear regression (C1)<br />The relationship between two variables which approximates graphically to a straight line.<br /><em>See also:</em> least squares method

<strong>State Student Financial Aid Committee</strong> – A committee of Missouri financial aid administrators established in February of 2005 to make recommendations to improve and strengthen the Missouri student financial assistance programs. (Formerly known as “the state aid program task force.” )

Fourier, Charles, 1772-183 7 (B3)<br />Born at Besan9on, France, the son of a linen draper. After an education at a Jesuit school he studied law at the local university before being forced to become a draper as a condition of an inheritance. His experience in a cavalry regiment in 1794-5 gave him a lifelong horror of social turmoiL He collected ideas on the nature of society to create a total science based on gratifying and harmonizing all human passions. His ideal community, the Phalanstery, was tried near Paris but failed through lack of finance. He opposed the principle of the division of labour as he believed everyone has a passion for variety and pointed out the oppression of women. His leading work was The Theory of the Four Movements (1808).<br /><em>See also:</em> Owen, Saint-Simon <br /><em>Reference</em><br />Beecher, J. (1986) Charles Fourier. The Visionary and His World, Berkeley, CA, and London: University of California Press.

<strong>Funds</strong> – Any monies or commitment to provide money, including checks, electronic transfers via ACH or wire.

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<strong>Missouri Department of Higher Education (MDHE)</strong> – The Missouri state agency overseeing the state' s higher education systems and related policies and administering student aid programs, including FFELP loans and state aid programs such as the Bright Flight Scholarship. Sometimes referred to as the DHE. The agency' s website may be found at www.dhe.mo.gov.
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<strong>Nonsubsidized loan</strong> – A loan that is not eligible for federal interest benefits. (Note: nonsubsidized loans were offered by some guarantors before the introduction of the unsubsidized Stafford Loan Program.)
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08-07-2011 11:19 AM

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probable error (C1)<br />A quantity equal to 0.6745 STANDARD DEVIATIONS of the estimate of a population PARAMETER.
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<strong>Participation agreement</strong> – Agreement with the MDHE that permits a school to participate in the state student assistance programs.
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contracting out (L2, L3)<br />Partial PRIVATIZATION of a public service often through employing subcontractors to undertake a specific function such as cleaning, laundering or accounting.
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08-07-2011 12:10 PM

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revenue neutral (H2)<br />The characteristic of a tax reform which does not alter total tax revenue.

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rank-order tournament (C7)<br />An economic game in which the participants compete according to what is judged their rank.

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08-07-2011 12:38 PM

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<strong>Subscription reports</strong> – Standard production reports available from the MDHE and within MODEL Direct. Subscription reports may be received daily, weekly, or monthly. To subscribe to one of these reports or to change the frequency, select the Manage Subscriptions option within MODEL Direct' s Manage Reports menu.
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<strong>AFDC</strong> – Aid to Families with Dependent Children, a public assistance program.
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<strong>FSA Handbook</strong> – Federal Student Aid Handbook, a guide to administering the Title IV financial aid programs, published annually by the U.S. Department of Education.
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<strong>MLN</strong> – Missouri Learners' Network, an organization that shares information, promotes educational opportunities provided by Missouri schools, and refers students to participating institutions for educational programs, courses, and learner services.
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Mayday (G2)<br />The deregulation of the Wall Street securities industry on 1 May 1975. Price competition was increased by abolishing minimum commissions, a system that had existed on the New York Stock Exchange since 1792. A major effect of this change was a reduction in the number of securities firms.<br /><em>See also:</em> Big Bang
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<strong>NDSL</strong> – National Direct Student Loan, renamed the Federal Perkins Loan Program in 1992. (Note: this is NOT the same program as the William D. Ford Direct Loan Program, or FDLP.)

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08-07-2011 01:33 PM

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<strong>Your Choice: Choosing the right lender & guarantor for your student loan</strong> – helpful tips on how to save money by selecting the right lender & guarantor for your individual needs. This publication and all publications published by the MDHE can be requested on the Publications Order Form: http://www.dhe.mo.gov/publicationsorderform.shtml.
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EPA (C5, FO)<br />A world econometric model of the Japanese Economic Planning Agency which includes nine country models (of the seven major OECD countries, Australia and South Korea) and six trading regions.<br /><em>See also:</em> linkage models <br /><em>Reference</em><br />Amano, A., Maruyama, A. and Yoshitomi, M. (eds) (1982) EPA World Economic Model, Vols 1 and 2, Tokyo: Economic Planning Agency.

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frictional unemployment (J6)<br />Short-period unemployment brought about by workers changing jobs. This minimum level of unemployment, which coexists with job vacancies, occurs even when an economy is at FULL EMPLOYMENT and is a feature of all types of national ECONOMY. Frictional unemployment is often measured by the number of people unemployed for less than a short period, e.g. eight weeks. Labour market policies can reduce this type of unemployment by making job information more available and accurate and by subsidizing search costs.
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