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<strong>LSDA</strong> – Late Stage Delinquency Assistance. Refers to procedures followed by Student Loan Counseling Services (SLCS) when a loan is 241 days delinquent or more. The MDHE contracts with SLCS for default aversion assistance services.
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<strong>Federal Work-Study Program (FWS)</strong> – A campus-based Title IV student employment program administered by the school. FWS is a need-based program.

Saudi Arabian Monetary Agency (E5)<br /> An Arab banking organization founded in 1952 to perform the functions of a CENTRAL BANK but called an agency because of the association between 'a bank' and payments for interest which is condemned by Islamic law. SAMA is now responsible for the coinage and note issue of Saudi Arabia, the supervision of commercial banks and the fiscal operations of the government.<br /><em>See also:</em> Islamic banking; usury <br /><em>Reference</em><br />Abdeen, A.M. and Shook, D.W (1984) The Saudi Financial System in the Context of Western and Islamic Finance, Chichester: Wiley. Saudi Arabia in 1977 used this approach to change the ownership of foreign-owned commercial banks.<br /><em>See also:</em> multinational corporation; public enterprise
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flex mex (Q2)<br />Methods rich countries employ to attempt to achieve reduction targets for green- house gas em1ss1ons. These methods include investing in reductions in other countries, especially by joint implementation, EMISSION REDUCTIONS BANKING and clean development mechanisms.

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run on a bank (G2)<br />The simultaneous demands of the deposit holders of a retail bank for their deposits to be paid. As it is difficult for banks to be sufficiently liquid to meet such concerted action against them without sacrificing the more profitable business of making loans, in the nineteenth and twentieth centuries CENTRAL BANKS emerged. They acted as the LENDER OF LAST RESORT to maintain the liquidity of DOMESTIC BANKING SYSTEMS as a whole and increasingly to supervise the operations of commercial banks. DEPOSIT INSURANCE is also a device to reduce bank runs as there is less point in the public demanding the return of its deposits in cash if there is a guarantee that the deposits will not be lost in a bank collapse.<br /><em>See also:</em> financial crisis; financial panic; lifeboat operation

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<strong>Reaffirmation</strong> – A borrower' s acknowledgment of a loan repayment obligation, including all principal, interest, and other costs, in a legally binding manner.

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asset specificity (GO)<br />The unique character of a durable asset, e.g. a machine, a skilled worker or a production site, which means that it has a low return in other uses. For many specific assets the cost of employing them is in the nature of a SUNK COST.<br /><em>See also:</em> economic rent; transfer earnings

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