McKinney, Lyle; Roberts, Toya
Financial aid counselors are a primary source of information that many students rely upon to understand financial aid and how to pay for college. However, little is known about financial aid counselors at America's community colleges and their interactions with the students they serve. Using original survey data, this study examined the role these…
Castleman, Benjamin L.; Page, Lindsay C.
While considerable effort has been invested to increase FAFSA completion among high school seniors, there has been much less investment to ensure that college freshmen re-apply for financial aid. Text messaging is a promising approach to inform students of important stages in the financial aid re-application process and to connect them to…
Fenske, Robert H.; And Others
The full range of topics relevant to student financial aid are covered in this book by a variety of experts in financial aid administration and scholarship. The volume details how to organize, implement and assess a financial aid program--including how to determine student need, deal with student bankruptcy and aid termination, and improve…
In countries charging tuition fees, and those that are considering adopting tuition fee policies, recent economic conditions are making education less affordable and accessible for students. To combat these challenges, nations, state/regional governments, and universities are experimenting with financial aid programmes by providing non-repayable…
Martin, Robert E.; Gillen, Andrew
The primary purpose of government provided student financial aid is to increase college access by bringing the out-of-pocket price of attendance within reach of more students. The basic idea is quite straightforward. If a good or service costs $100 to buy and the government gives consumers a $50 subsidy, then consumers need only spend $50 of their…
Bosshardt, Donald I.; Lichtenstein, Larry; Palumbo, George; Zaporowski, Mark P.
In the context of a theoretical model of expected profit maximization, this paper shows how historic institutional data can be used to assist enrollment managers in determining the level of financial aid for students with varying demographic and quality characteristics. Optimal tuition pricing in conjunction with empirical estimation of…
Financial aid systems help make higher education available to all who can benefit. To "adjust" the existing financial aid system to make it more student friendly and open doors currently closed to many part-time learners and students with the greatest financial challenges, state policy changes and greater private sector initiatives targeted at…
Woolf, Neil; Martinez, Mario
This research explores the competencies that financial aid officers need to be successful in their jobs. A survey of 30 competencies was distributed to 508 financial aid officers in the Western United States. Respondents were asked to rate 30 job competencies for their relative importance and frequency of use. Using exploratory factor analysis,…
Ragland, Sheri E.
In 2008, state legislatures provided $6 billion in financial aid to 2 million low-income young adults. When low-income young adults receive state financial aid and do not complete college, states lose their investment because fewer people with degrees will contribute to the state's economy. Declining states' budgets have led to (a) the rising cost…
Shireman, Robert; Baum, Sandy; Steele, Patricia
Over the past year, the authors have discussed college prices, college quality, and student financial aid with elected officials and staff from several state legislatures, financial aid administrators from a variety of campuses, and policy analysts from Washington DC advocacy organizations. They have also been able to informally gain insights at…
The outcomes states gain from investing in postsecondary financial aid programs remain hotly debated, leading to great interest in developing programs that are both cost-effective and productive in helping states meet goals. In the 2012-13 academic year, states collectively provided approximately $11.2 billion in financial aid to students enrolled…
We investigate how undergraduates' financial aid packages affect their subsequent donative behavior as alumni. The empirical work is based upon micro data on alumni giving at an anonymous research university. We focus on three types of financial aid, scholarships, loans, and campus jobs. A novel aspect of our modeling strategy is that, consistent with the view of some professional fundraisers, we allow the receipt of a given form of aid per se to affect alumni giving. At the same time, our mo...
Coria, Elizabeth; Hoffman, John L.
The purpose of this study was to explore relationships between financial aid awards and measures of student academic achievement. Financial aid and academic records for 11,956 students attending an urban California community college were examined and analyzed using simultaneous linear regression and two-way factorial ANOVAs. Findings revealed a…
Weissman, Evan; O'Connell, Jesse
"Aid Like A Paycheck" is a large-scale pilot evaluation of whether an innovative approach to disbursing financial aid can improve academic and financial outcomes for low-income community college students. Lessons from the pilot evaluation were used to create and fine-tune a logic model depicting activities, outputs, mediators, and…
Long, Bridget Terry; Riley, Erin
In this article, Bridget Terry Long and Erin Riley argue that in recent years, U.S. financial aid policy has shifted its emphasis from expanding college access for low-income students toward defraying the costs for middle- and upper-income families. They explain how loans, merit-based aid, and education tax breaks are increasingly replacing…
... Public Meeting on Recommendations for Improvement of Student Financial Aid Offer Forms, Development of... interested parties to discuss and offer recommendations for improvements to student financial aid offer forms... financial aid offer forms. We announce the development of a Model Financial Aid Offer page on the...
Hossler, Don; Kwon, Jihye
There is a dearth of empirical work that examines the relationships between federal financial aid policy and institutional financial aid priorities and expenditures. This study uses Resource Dependency Theory to explore whether changes the amount of financial aid awarded by colleges and universities during the last fifty years are best explained…
Carmen Valentina RADULESCU
Full Text Available The paper deals with the basic theoretical aspects and the policy of the European Union, which is financed by a number of budgetary instruments. Under this policy, Romania is qualified for financial aid to support economic and social development of the country. This aid is considerably higher than that the aid received by the pre-accession PHARE, ISPA and SAPARD programs. The EU serves for the financing of policies, the largest amounts being allocated to the common agricultural policy. The paper bring in details on several aspects such as: what are the structural funds, which are institutions that manage them, and the ways of accessing these funds.
Alliance for Excellent Education, 2008
The price of college, particularly relative to the amount of available financial aid, has been increasing and has been cited as a major barrier to college attendance and completion. And given the recent economic downturn, these issues have taken on even greater significance to students, their families, educators, employers, policymakers and…
Green, Thomas C.
Over the last century, Americans have formed a social contract with higher education through the development of and changes to student financial aid programs. These federal, state, and institutional programs are the manifestation of the value we place on who should and who does pay the costs of higher education. Grants versus loans and low-income…
Olivas, Michael A.
A surprising amount of litigation and legislation has erupted over undocumented college students. Victims at the federal level are the DREAM Act and immigration reform. Financial aid raises technical issues for undocumented college applicants and for the citizen children of undocumented parents. Generally, the undocumented are ineligible for…
The paper compares different aid policy instruments and their effect on the target group. Starting from a situation where interest groups compete for the resources of the government, international financial institutions aim to change the policy outcome. They can either directly support one group or condition their financial help to the government on its policy. Apart from a normative analysis which policy is more adequate to help one group, the paper also asks what happens if the IFI is drive...
National Association of Student Financial Aid Administrators (NJ1), 2010
The majority of college financial aid offices have seen cuts to their operating budgets this year compared to the 2007-08 academic year when the recession began, according to the National Association of Student Financial Aid Administrator's latest QuickScan Survey. Sixty-two percent of financial aid offices reported operating budget cuts this year…
Students at a college or university who receive need-based financial aid, receive a tremendous financial resource compared to those students who do not receive need based financial aid. A sample of 100 students from various backgrounds and skills were surveyed. The survey asked questions of the two student groups: received need based financial aid…
This study analyzed 586 students from nine vocational high schools in three provinces in China. It found a substantial gap between the demand for and the supply of government financial aid. Moreover, correct student aid information and aid application was not equally distributed among various student groups. A financial aid application made a…
US Department of Education, 2005
This student guide provides financial aid information for high school seniors and college students. The first few pages of this guide are a quick reference to federal student aid programs and how to apply. Most student financial aid comes from the federal government programs, which the U.S. Department of Education's Federal Student Aid (FSA)…
Hillman, Nicholas W.; Orians, Erica Lee
This brief utilizes the most recent and rigorous financial aid research to inform state higher education leaders about innovative and effective financial aid practices. By simplifying aid eligibility requirements, improving the aid application process, and engaging in early awareness efforts, states could improve the effectiveness of existing aid…
Park, Julie J.; Denson, Nida; Johnson, Matthew
Financial aid plays a critical role in college access and student success. It plays an increasingly important role as the college-going population continues to diversify and the cost of college continues to rise at both public and private institutions. In this study, the authors examined whether institutional level financial aid has any direct…
Department of Education, Washington, DC. Student Financial Assistance.
This Spanish-language publication explains what federal student financial aid is and what types of student aid are available. The introductory section, "Student Aid at a Glance," presents information about what student aid is, who gets it, and how to get it. The second section discusses "Finding out about Student Aid." The next section provides…
Trends in financial aid to students in Maryland colleges and universities are reported. Attention is directed to the distribution of different types of aid to undergraduate and graduate students, and financial aid awarded by type of institution. Characteristics of recipients of Guaranteed Student Loans, General State Scholarships, and Senatorial…
Mathematica, Inc., Bethesda, MD.
In this report four models are formulated which forecast the enrollment and financial needs of students in higher education. The four models are: the undergraduate enrollment model, postbaccalaureate enrollment model, undergraduate student aid model, and postbaccalaureate student aid model. In addition to computing total financial needs, these…
Hossler, Don; Kalsbeek, David
In our previous essay, we considered the role of institutional financial aid and the practice of enrollment management. In that essay we explored the use of financial aid as a tool to enhance equity increase prestige, as a revenue enhancement tool and as a means to shape institutional image in the various markets that comprise our diverse system…
... Fidelity National Financial, Inc.; Analysis of the Agreement Containing Consent Order to Aid Public Comment... or unfair methods of competition. The attached Analysis to Aid Public Comment describes both the.... Comments should refer to ``Fidelity National Financial, File No. 091 0032'' to facilitate the...
Knight, Mary Beth
Colleges and universities represent one of the most utilized sources of need-based financial aid information for students and families, and yet most research in access marketing is focused at the national and state levels. There is sparse published information about the effects of financial aid marketing observed through quantitative analysis, in…
Advisory Committee on Student Financial Assistance, 2008
Students and parents need ample time and accurate information to prepare for the financial burden of a college education--those who lack this knowledge base face a significant access barrier to higher education. This problem can be countered by the delivery of comprehensive, integrated financial aid information, an approach identified by the…
Office of Student Financial Assistance (ED), Washington, DC.
This guide, written in Spanish, describes federal student aid programs for postsecondary education and how to apply for them. It begins by outlining sources for learning about student aid, such as school financial aid administrators, state higher education agencies, foundations, organizations related to particular fields of interest and toll-free…
National Association of Student Financial Aid Administrators (NJ1), 2013
As the student aid programs rapidly approach reauthorization in 2014, they continue to face severe funding and efficiency problems. With grant assistance from the Bill & Melinda Gates Foundation through their "Reimagining Aid Design and Delivery" (RADD) project, the National Association of Student Financial Aid Administrators (NASFAA) examined…
Provides multiple workable solutions financial aid offices can offer students throughout their college experience to deal with debt: preventive solutions for avoiding problems with credit card debt, holistic solutions for other related problems, and remedial solutions for existing problems. (EV)
Broomhead, Keiko Shimizu
To better understand how a once well-intentioned concept of financial tuition assistance for college students has devolved into its current troubled and broken state, this doctoral thesis explored the evolution of the U.S. system of federal financial aid in higher education from a historical perspective. The study began with a review of the…
Humlum, Maria Knoth; Vejlin, Rune Majlund
We investigate the effects of financial aid on student employment and academic outcomesin high school. We exploit administrative differences in the amount of financial aid receivedbased on timing of birth to identify the causal effects of interest. Specifically, individualsborn early in a quarter receive less financial aid than comparable individuals born late in theprevious quarter. We find that receiving less aid induces individuals to work more during highschool. However, we do not find an...
St. John, Edward P.; And Others
Analysis of effects of different student financial aid types on year-to-year persistence of high school seniors of 1980 found social and educational background had differential effects at different points in the college experience, college experiences were influential, student aid had a positive effect on persistence, and loans promoted…
Whiteside, Richard; Mentz, George S.
A college degree is one of the most expensive purchases an American family can make. While today's costs are higher than ever before, parents have many more options whose sheer number and complexity have given rise to a whole new field-financial planning for college. This article, which is based on materials created for the enrollment management…
The federal government plays an indispensable role in helping community college students pay for their education. It is hard to imagine today's community college campuses without needs-based federal student aid, such as the Pell Grant program and subsidized loans. There are, however, significant differences between community college students and…
... information it obtains from the Secretary, through the National Student Loan Data System (NSLDS) or its..., HEA loan programs; and (5) For the academic year for which title IV, HEA aid is requested, the amount..., updated information about that student so it can make the determinations required under paragraph (a)...
This paper examines the effects of tuition and financial aid on first-year college majors at three large public institutions. Higher net costs of college attendance (tuition minus aid) increase the probability of choosing professional majors and decrease the probability of choosing humanities and science majors. The effect of tuition on the probability of choosing a major is generally larger for students with more high school credits in similar subjects and smaller for those with more credits...
Department of Education, Washington, DC.
This booklet, written in Spanish, is intended to be used with a set of slides as part of a presentation to students on "How To Apply for Federal Student Aid" ("Como Solicitar la Asistencia Economica Federal para Estudiantes"). The first part of the book is a script based on the slides. After the script is a guide to hosting a financial aid…
This study was conducted in two phases. One, the Cost Analysis, reports on inventory and analysis of actual estimated costs for delivering financial aid services to students and potential students in thirteen Colorado Community College System (CCCS) community colleges in Fiscal Year 2003. Additionally, an assessment of services and functions is…
Ampaw, Frimpomaa D.
Forty-three percent of doctoral students never complete their degree. This dropout is the highest among graduate and professional degree programs. Previous cross sectional studies of doctoral students' retention show the importance of financial aid in predicting degree completion. The studies however, do not estimate the labor market's effect on…
Loyalka, Prashant Kumar
Since the late 1990s, China has dramatically increased its college enrollments, the number and diversity of its higher education institutions, university tuition fees, and financial aid. Now students from a wider range of backgrounds have significantly more opportunities to attend college and also compete for entry into more selective…
Melguizo, Tatiana; Torres, Fabio Sanchez; Jaime, Haider
The main objective of this study is to estimate the association between financial aid and college dropout rates of postsecondary students in Colombia. We use a unique dataset from the Colombian Ministry of Education that includes all enrolled college students in the country between 1998 and 2008. Logistic regression is used to identify the…
Low-income students face a number of obstacles that go beyond the cost of tuition and fees. For instance, their schooling often requires expenses that aren't covered by financial aid, such as books and commuting costs. What's more, education is often competing for their time with other responsibilities, such as the need to work or take care of…
Río-Ruiz, Manuel Ángel; Jiménez-Rodrigo, María Luisa; Caro-Cabrera, Manuel Jesús
In 2012 Spain inaugurated a reform of its higher education financial aid system inspired by three principles: cost-sharing, increasing academic performance and school efficiency. This reform has shifted the aim of the system from equality of access to a type of meritocracy that can be defined as class-biased, as it is only applied to low-income…
Ambrose, Allison S.; Hines, Edward R.; Hodel, Ross A.; Kelly, Kathleen F.; Mushrush, Christopher E., Pruden, Sheila J.; Vogt, W. Paul
This report is a companion to "Recession, Retrenchment and Recovery: Higher Education Funding and Student Financial Aid" (ED502180). It provides profiles of individual states and their performance on a variety of measures used in the economic and fiscal analysis of the Recession, Retrenchment and Recovery project. The profiles describe the results…
National Collegiate Athletic Association (NJ1), 2009
This report marks the completion of the 2008-09 reporting cycle and the fourth year of the Division III Financial Aid Reporting Program. The report examines findings for all reporting institutions from each of the four reporting cycles, and details the outcomes of the Division III Financial Aid Committee's 2008-09 review process. Four calculations…
Venegas, Kristan M.; Hallett, Ronald E.
Group presentations are an easy way to reach large groups of students and parents at one time. When group presentations are well done, they increase students' and families' knowledge of the financial aid process by providing information and building students' and their families' confidence as they navigate the financial aid process. Unfortunately,…
Feeney, Mary; Heroff, John
Access to financial aid is dependent on a variety of factors, including the time of application; the earlier students apply for financial aid, the greater their access to institutional and often state resources. We use the Illinois Monetary Award Program (MAP) as a case for investigating the economic, social, and academic factors that affect…
Humlum, Maria Knoth; Vejlin, Rune Majlund
We investigate the effects of financial aid on student employment and academic outcomes in high school. We exploit administrative differences in the amount of financial aid received based on timing of birth to identify the causal effects of interest. Specifically, individuals born early in a...
Eastaugh, S R
This article outlines the issues in cost identification and fair payment for acquired immune deficiency syndrome (AIDS) research. Costs need to be better identified using activity-based costing methods to reveal the structural pattern of care. Patterns of care can be too expensive if they: (1) overutilize the hospital as the locus of care, or (2) underutilize prevention and education. Managers need to learn more about the cost identification issues payers face in designing a fair payment system. In the long run, more health care professionals would serve the cause of innovation and biomedical research if they all work together to define a stable fair funding mechanism. Payers need to learn that fair payment of indirect costs is not a bonus or a windfall profit. PMID:9718508
Lovenheim, Michael F.; Emily G. Owens
In 2001, amendments to the Higher Education Act made people convicted of drug offenses ineligible for federal financial aid for up to two years after their conviction. Using rich data on educational outcomes and drug charges in the NLSY 1997, we show that this law change had a large negative impact on the college attendance of students with drug convictions. On average, the temporary ban on federal financial aid increased the amount of time between high school graduation and college enrollmen...
Through the Free Application for Federal Student Aid, or FAFSA, the federal government provides more financial aid for higher education than any other institution. But because of discriminatory laws the FAFSA treats families headed by two mothers or two fathers differently than families headed by a mother and a father. This treatment distributes…
What Works Clearinghouse, 2014
The 2014 study, Freshman Year Financial Aid Nudges: An Experiment to Increase FAFSA Renewal and College Persistence, measured the impact of sending text message reminders regarding annual Free Application for Federal Student Aid (FAFSA) renewal to first-year college students who were already receiving financial aid. The study sample included 808…
Full Text Available Abstract Background The governments and citizens of the developed nations are increasingly called upon to contribute financially to health initiatives outside their borders. Although international development assistance for health has grown rapidly over the last two decades, austerity measures related to the 2008 and 2011 global financial crises may impact negatively on aid expenditures. The competition between national priorities and foreign aid commitments raises important ethical questions for donor nations. This paper aims to foster individual reflection and public debate on donor responsibilities for global health. Methods We undertook a critical review of contemporary accounts of justice. We selected theories that: (i articulate important and widely held moral intuitions; (ii have had extensive impact on debates about global justice; (iii represent diverse approaches to moral reasoning; and (iv present distinct stances on the normative importance of national borders. Due to space limitations we limit the discussion to four frameworks. Results Consequentialist, relational, human rights, and social contract approaches were considered. Responsibilities to provide international assistance were seen as significant by all four theories and place limits on the scope of acceptable national autonomy. Among the range of potential aid foci, interventions for health enjoyed consistent prominence. The four theories concur that there are important ethical responsibilities to support initiatives to improve the health of the worst off worldwide, but offer different rationales for intervention and suggest different implicit limits on responsibilities. Conclusions Despite significant theoretical disagreements, four influential accounts of justice offer important reasons to support many current initiatives to promote global health. Ethical argumentation can complement pragmatic reasons to support global health interventions and provide an important
Author highlights the necessity to draw international financial aid for Ukraine, identify similarities and differences of "Marshall Plan" for post-war Europe and current financial aid for Ukraine. She explains the investment levers of "Marshall Plan" which are extremely important for reconstruction of the Ukrainian economy and modernization of its production basis. Author elaborates the key principles of formation and allocations of the foreign financial aid for Ukraine, which are related to ...
Office of Federal Student Aid (ED), Washington, DC.
This Spanish language publication explains what federal student financial aid is and the types of student financial aid that are available. The guide opens with an overview of federal student financial aid, and then discusses how to find out about student aid. A section of general information discusses eligibility and dependency. Types of federal…
Zhang, Chen; Li, Xiaoming; Liu, Yu; Qiao, Shan; Zhang, Liying; Zhou, Yuejiao; Shen, Zhiyong; Tang, Zhengzhu
Numerous researches have shown pernicious effects of stigma against people living with HIV/AIDS (PLWHA). However, no available studies have reported these negative effects including emotional, physical to financial burdens to PLWHA. In the current study, we aim to explore different types of stigma (e.g., perceived, internalized and enacted) and the relevant consequences among PLWHA in China. A cross-sectional study was conducted from 2012 to 2013 in the Guangxi Autonomous Region in China. The validated Berger HIV Stigma Scale was used to measure various types of stigma. We employed a series of linear, logistic and polytomous regression models to assess the association between stigma and different consequences while accounting for potential confounders for each specific model. Of the total sample, 2987 PLWHA provided valid responses with 63% being male and having an average age of 42.9 years. Perceived, internalized and enacted HIV stigma were prevalent among participants, and resulted in various burdens with different magnitudes in their life contexts. Specially, PLWHA who reported higher perceived and internalized stigma were more likely to be imposed on emotional and physical burdens (p financial burden compared to their peers (p < .05). Our findings revealed that devastating consequences of HIV-related stigma in China. The prevalent stigmatizing attitudes have pushed PLWHA to the fringes of society and affected them at multiple aspects in their life context. We call for tailored efforts to overcome stigma and discrimination against PLWHA. PMID:26886415
Full Text Available In Bangladesh, a majority of individuals with spinal cord injuries (SCI are either poor or very poor. In most cases, their families undergo extreme hardship as they lose the income of the only or main earning member, and are unable to bear costs of rehabilitation.Purpose: This mixed method study explored perspectives of individuals with SCI regarding financial aid in the form of interest-free loans for their treatment and rehabilitation at the Centre for the Rehabilitation of the Paralysed (CRP.Method: In the first part of the study, 10 semi-structured face-to-face interviews were conducted. In the second part of the study, 40 persons with SCI were surveyed. The qualitative method involved selection of respondents according to their age, sex and severity of disability. Quantitative interviews were conducted with all persons with SCI in the final stage of hospital rehabilitation, in the third quarter of 2008. Results: Though CRP provides financial support depending on the individual’s economic status, many persons with SCI needed additional funding from multiple sources, such as savings (42.5%, mortgaging assets (12.5%, selling assets (45%, receiving loans (37.5%, begging for money (42.5%, and receiving donations from relatives (47.5% or the community (30%, to meet the direct and indirect costs of rehabilitation. Majority (85% of those interviewed wanted to receive financial aid in the form of interest-free loans. 76.4% of them wanted the loans to be disbursed in two phases; initially, to offset some of their costs during rehabilitation at CRP, and thereafter, for economic reintegration in their community. The remaining 23.6% wanted the loan only for vocational reintegration. 70.59% of those interviewed proposed repayment in monthly instalments, while 17.64% suggested quarterly instalments and 11.76% favoured annual instalments. Over half of the participants (55.88% wanted to have vocational training, and the rest wanted vocational training for
Singell, Larry D., Jr.
Few studies have examined whether financial aid affects college retention. This paper models the decision to enroll and re-enroll in college, which yields a bivariate probit model that is estimated using detailed individual data from a large public university. The analysis uses the unique detail of institution-specific data to examine the effect…
Jobs for the Future, 2012
Many states are looking at effective ways to use financial incentives to encourage students to complete a postsecondary credential. JFF's new report, "Statewide Aid Policies to Improve College Access and Success", originally commissioned by the Massachusetts Department of Higher Education's Vision Project, has provided valuable background for that…
Department of Education, Washington, DC.
This guide is intended to provide guidance to college and university business office personnel who handle recordkeeping, accounting, and other fiscal reporting functions for federal Title IV financial aid programs, as authorized by the Higher Education Act of 1965, as amended. This edition emphasizes the benefits and challenges of electronic…
Department of Education, Washington, DC.
This book provides guidance to school business office personnel who handle fiscal recordkeeping, accounting, and reporting functions for federal Title IV student financial aid programs authorized by the Higher Education Act of 1965, as amended. It provides a technical resource for Title IV management responsibilities that are shared among various…
The impact of student aid policies on women is assessed. Differences in the conditions affecting men's and women's need for aid are identified, along with actions that could improve women's participation in student aid programs. Gender issues in student aid policy include: loan burden, default, and bankruptcy; the award of merit scholarships;…
Belley, Philippe; Frenette, Marc; Lochner, Lance
This paper examines the implications of tuition and need-based financial aid policies for family income - post-secondary (PS) attendance relationships. We first conduct a parallel empirical analysis of the effects of parental income on PS attendance for recent high school cohorts in both the U.S. and Canada using data from the 1997 Cohort of the National Longitudinal Survey of Youth and Youth in Transition Survey. We estimate substantially smaller PS attendance gaps by parental income in Cana...
Advisory Committee on Student Financial Assistance, 2008
Students and parents need ample time and accurate information to prepare for the financial burden of a college education--those who lack this knowledge base face a significant access barrier to higher education. The early intervention community is calling for a method of delivering age-appropriate information in a timely manner as one means of…
... page: //medlineplus.gov/ency/article/000594.htm HIV/AIDS To use the sharing features on this page, ... immunodeficiency virus (HIV) is the virus that causes AIDS. When a person becomes infected with HIV, the ...
Steiner, Viktor; Wrohlich, Katharina
We estimate the elasticity of enrollment into higher education with respect to the amount of means tested student aid (BAfoeG) provided by the federal government using the German Socioeconomic Panel (SOEP). Potential student aid is derived on the basis of a detailed tax-benefit microsimulation model. Since potential student aid is a highly non-linear and discontinuous function of parental income, the effect of BAfoeG on students’ enrollment decisions can be identified separately from parental...
... Other Sites: Genetic and Rare Diseases Information Center Financial Assistance Information The National Institutes of Health (NIH) ... area call 900-638-0742. Top of page Financial Aid for Medical Treatments Information on financial aid ...
Ala, Fereydoun; Allain, Jean-Pierre; Bates, Imelda; Boukef, Kamel; Boulton, Frank; Brandful, James; Dax, Elizabeth M; El Ekiaby, Magdy; Farrugia, Albert; Gorlin, Jed; Hassall, Oliver; Lee, Helen; Loua, André; Maitland, Kathryn; Mbanya, Dora; Mukhtar, Zainab; Murphy, William; Opare-Sem, Ohene; Owusu-Ofori, Shirley; Reesink, Henk; Roberts, David; Torres, Oscar; Totoe, Grace; Ullum, Henrik; Wendel, Silvano
Jean-Pierre Allain and colleagues argue that, while unintended, the foreign aid provided for blood transfusion services in sub-Saharan Africa has resulted in serious negative outcomes, which requires reflection and rethinking....
Castruccio, P. A.; Marantz, C. S.; Freibaum, J.
Questions regarding the role of a mobile-satellite system in augmenting the terrestrial communications system are considered, and a market assessment study is discussed. Aspects of an investment analysis are examined, taking into account a three phase financial study of four postulated land Mobile Satellite Service (LMSS) systems, project profitability evaluation methods, risk analysis methods, financial projections, potential investor acceptance standards, and a risk analysis. It is concluded that a satellite augmented terrestrial mobile service appears to be economically and technically superior to a service depending exclusively on terrestrial systems. The interest in the Mobile Satellite Service is found to be worldwide, and the ground equipment market is potentially large.
Cowan, Benjamin W; White, Dustin R
We study the effect of state-level merit aid programs (such as Georgia's HOPE scholarship) on alcohol consumption among college students. Such programs have the potential to affect drinking through a combination of channels--such as raising students' disposable income and increasing the incentive to maintain a high GPA--that could theoretically raise or lower alcohol use. We find that the presence of a merit-aid program in one's state generally leads to an overall increase in (heavy) drinking. This effect is concentrated among men, students with lower parental education, older students, and students with high college GPA's. Our findings are robust to several alternative empirical specifications including event-study analyses by year of program adoption. Furthermore, no difference in high-school drinking is observed for students attending college in states with merit-aid programs. PMID:26476389
Full Text Available This paper focuses on state aid’s role in the current financial and economic crisis, in order to help all the economic sectors to get back on their feet. The negative effects of the sub-prime mortgage lending affected not only the US, but also the Europea
One justification for public support of higher education is that prospective students, particularly those from underprivileged groups, lack complete information about the costs and benefits of a college degree. Beyond financial considerations, students may also lack information about what they need to do academically to prepare for and…
Dennis, Marguerite J.
Suggestions for changes administrators can make to assist students in debt management include (1) administrator willingness to expand his/her role and help other officials accept the change; (2) establishment of programs in financial counseling, debt management, and debt counseling; and (3) exploration of creative ways to finance educational…
Ministerio de Educacion Nacional, Bogota (Colombia). Instituto Colombiano de Pedagogia.
This booklet describes the procedures and requirements to be observed when financial support for education research is requested from the Instituto Colombiano de Pedagogia (ICOLPE), an educational improvement agency established by the Colombian government in 1968. The educational priorities for research are listed along with the rules and format…
The federal government and the states have recently enacted a slew of aid policies aimed at college students from middle- and high-income families. I estimate the impact of aid on the college attendance of middle- and upper-income youth by evaluating Georgia's HOPE Scholarship, the inspiration of the new federal Hope Scholarship. The results suggest that Georgia's program has had a surprisingly large impact on the college attendance rate of middle- and high-income youth. Using a set of nearby...
Following the collapse of Lehman Brothers in the fall of 2008, governments worldwide went on massive spending sprees in a bid to stimulate the flagging world economy. Typical measures targeted at specific sectors included government bailouts of financial firms and support for the automotive industry such as the U.S. federal government's program designed to support the country's Big Three carmakers. As more comprehensive programs, the American Recovery and Reinvestment Act of 2009 (ARRA) in th...
National Association of Student Financial Aid Administrators (NJ1), 2011
The National Association of Student Financial Aid Administrators (NASFAA) recently conducted a survey on the 2009-10 award year Administrative Cost Allowances (ACA), which are funds used by colleges and universities to support operations and professional development. Specifically, ACA is often used in essential areas that support the day-to-day…
Xu, G; Veloski, J J; Barzansky, B; Hojat, M; Diamond, J; Silenzio, V M
A national survey of family physicians, general internists, and general pediatricians was conducted in the US to examine differences among the three groups of generalists physicians, with particular regard to the factors influencing their choice of generalist career. Family physicians were more likely to have made their career decision before medical school, and were more likely to have come from inner-city or rural areas. Personal values and early role models play a very important role in influencing their career choice. In comparison, a higher proportion of general internists had financial aid service obligations and their choice of the specialty was least influenced by personal values. General pediatricians had more clinical experiences either in primary care or with underserved populations, and they regarded medical school experiences as more important in influencing their specialty choice than did the other two groups. Admission committees may use these specialty-related factors to develop strategies to attract students into each type of generalist career. PMID:24179019
The National Postsecondary Student Aid Study by the U.S. Department of Education examines the amount and types of aid students receive nationwide. The study covered aid distributed by the federal government, state governments, colleges and universities, and other sources. (MLW)
Full Text Available Abstract Background Financial incentives appear to be effective in promoting smoking cessation in pregnancy. The mechanisms by which they might operate however, are poorly understood. The present study examines how financial incentives for smoking cessation during pregnancy may work, by exploring pregnant women's experiences of trying to stop smoking, within and outside of a financial incentives scheme. Methods Thirty-six (n = 36 UK-based pregnant smokers (n = 36, offered standard NHS Stop-Smoking Services, of whom twenty (n = 20 were enrolled in a financial incentives scheme for smoking cessation (n = 20 and sixteen (n = 16 were not, were interviewed about (i their motivation to stop smoking, and (ii the factors they perceived as influencing their quitting efforts. Framework Analysis was used to analyse the data. Results Women in the two groups reported similar reasons for wanting to stop smoking during pregnancy. However, they described dissimilar experiences of the Stop-Smoking Services, which they perceived to have differentially influenced their quit attempts. Women who were incentivised reported using the services more than women who were not incentivised. In addition, they described the motivating experience of being monitored and receiving feedback on their progress. Non-incentivised women reported problems receiving the appropriate Nicotine Replacement Therapy, which they described as having a detrimental effect on their quitting efforts. Conclusion Women participating in a financial incentives scheme to stop smoking reported greater engagement with the Stop-Smoking Services, from which they described receiving more help in quitting than women who were not part of the scheme. These results highlight the complexity of financial incentives schemes and the intricacies surrounding the ways in which they operate to affect smoking cessation. These might involve influencing individuals' motivation and self-regulation, changing engagement with
Coleman, Emily L.
Persistence theorists emphasize the importance of faculty and staff interactions with students. Yet many overlook how affordability influences a student's decision to remain enrolled. As a result this qualitative, grounded theory study addresses the relationship between private college and university financial assistance policies and programs to…
Carrington, Michal; Chen, Richard; Davies, Martin; Kaur, Jagjit; Neville, Benjamin
An argument map visually represents the structure of an argument, outlining its informal logical connections and informing judgments as to its worthiness. Argument mapping can be augmented with dedicated software that aids the mapping process. Empirical evidence suggests that semester-length subjects using argument mapping along with dedicated…
在政策性与市场化的支持与资助的双重作用下，我国文化产业已发展成为新兴产业的重要组成部分，但其规模化和集约化仍受制约。法国CNC产业自主性和选择性资助模式的实践经验启示，资助投入的方式、规模和时机对于资助的效果具有重要作用。建立以市场为导向的多层次资助模式，充分发挥产业资助的杠杆作用，实现文化产业价值链、企业链、供需链和空间链的全方位提升，提高文化产品和服务的附加值，增加文化企业的竞争力，满足国内文化产业可持续发展的需要。%Under the dual role of policy and market support,cultural industry has become an important part of the China’s emerging industry. However,the current China’s cultural industry is still restricted by scale and inten-sive development. According to the practical experience of automatic and selective financial aid mode of French CNC industry,the investment approach,size and opportunity play important roles to the effect of the funding. Thus, a multiple-layer financial aid model of market-oriented should be established in order to give full play to the le-ver function of financial aid;realize the full range of promotion of the value chain,business chain,supply chain and space chain;increase the added value of cultural goods and services,and meet the needs of sustainable development of domestic cultural industry.
随着国家和社会的高度重视，高校家庭经济困难学生的资助与教育培养已成为高校关注的重要课题。但目前众多高校尚未健全学校、院系两级学生资助管理体系，影响了资助工作开展的实效性。本文从高校院系基层单位资助工作实践的视角出发，探索构建适应院系基层单位的资助工作二级管理体系，以促进高校资助工作的科学化和整体化水平。%With the high emphasis from both the country and the society ,the financial aid and ed‐ucational cultivation to the underprivileged university students have become important projects con‐cerned by universities .However ,recently many universities have not yet improved the second‐level management systems (i e. .university and college) for students’ financial aid ,so that the efficiency of financial aid is affected .T his paper ,based on the perspective of financial aid practice by the basic u‐nits ,explores the construction of second‐level management system for financial aid so as to promote the scientific and integrated management level .
Faulk, Dagney G.; Wang, Zhenlei
Tuition assistance offered by employers is an understudied area of financial aid research. The purpose of this study is to compare the demographic, socioeconomic, academic and financial aid characteristics of college students who receive employer-sponsored financial aid with students who receive traditional financial aid (institutional, state, or…
Landry, Lynette; Neubauer, Deane
The overall financial structure of US higher education has changed dramatically over the past 30 years, resulting in a significant reduction of public funding. One result of this shift has been the steadily increasing costs of tuition as an increasing portion of the financial structure of higher education is shifted to students. Increased costs to…
Recent evidence highlights several worrisome trends regarding aid pledges and disbursements, which have been exacerbated by the global financial crisis. First, while overall development assistance rose in 2008, after 2 years of decline, the share of all sector aid going to the education sector has remained virtually unchanged at about 12 percent…
Full Text Available Financial Structures and Economic Development This paper examines the relationship between the evolution of financial services and long-run economic growth. Liquidity risk, productivity risk, transactions costs. and information gathering and resource coordination costs create incentives for the emergence of financial contracts and institutions. The level of income per capital public policies, and legal codes determine the provision of financial services aid the types of financial structures that provide these services. The resultant financial structures can alter investment incentives, such that the steady state growth rate of per capita output increases.
CAME-Toolsuite meet2trade - auf dem Weg zum Computer Aided Market Engineering. Abschlussbericht des Projekts Electronic Financial Brokerage als wissensintensive Dienstleistung - ein generischer Ansatz (EFB)
Weinhardt, Christof; Dinther, Clemens van; Grunenberg, Michael; Kolitz, Klaus; Kunzelmann, Matthias; Mäkiö, Juho; Weber, Ilka; Weltzien, Henning
Die zunehmende Verbreitung von elektronischen Märkten aber auch die Fehlentwicklungen der letzten Jahre zeigen, dass eine strukturierte Vorgehensweise bei der Gestaltung und Implementierung elektronischer Märkte nicht nur sinnvoll, sondern auch notwendig ist. Ein wichtiger Schritt in diese Richtung wurde mit der im Rahmen des Projekts Electronic Financial Brokerage (EFB) entwickelten CAME-Toolsuite meet2trade gegangen.meet2trade unterstützt den gesamten Prozess des Market Engineering von der ...
... 7 Agriculture 1 2010-01-01 2010-01-01 false Auxiliary aids. 15b.37 Section 15b.37 Agriculture... ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Other Aid, Benefits, or Services § 15b.37 Auxiliary aids... appropriate auxiliary aids to persons with impaired sensory, manual, or speaking skills, where necessary...
Turner, John D.
This essay looks at the bidirectional relationship between financial history and financial economics. It begins by giving a brief history of financial economics by outlining the main topics of interest to financial economists. It then documents and explains the increasing influence of financial economics upon financial history, and warns of the dangers of applying financial economics unthinkingly to the study of financial history. The essay proceeds to highlight the many insights that financi...
Eisenberg, Meyer; Franke, Ann H.
The investigations of student-loan programs around the country echo previous scandals in the financial world involving stock offerings and mutual funds. The relationships between lenders and financial-aid officers seem to raise the same questions about impropriety, conflict of interest, and possible fraud. Indeed, lessons from Wall Street can…
Peter J Morgan; Pontines, Victor
Developing economies are seeking to promote financial inclusion, i.e., greater access to financial services for low-income households and firms, as part of their overall strategies for economic and financial development. This raises the question of whether financial stability and financial inclusion are, broadly speaking, substitutes or complements. In other words, does the move toward greater financial inclusion tend to increase or decrease financial stability? A number of studies have sugge...
Student Financial Assistance (Student Loan Programs, Graduate Programs, State Programs, Grants, and Institutional Aid); Hearings Before the Special Subcommittee on Education of the Committee on Labor and Education, House of Representatives, Ninety-third Congress, Second Session. Part 3, Part 4, Part 5, Part 6, and Part 7.
Congress of the U.S., Washington, DC. House Committee on Education and Labor.
These documents contain the hearings before the Special Subcommittee on Education of the House of Representatives dealing with student financial assistance. Separate hearings were conducted for the areas of: student loan programs; graduate programs, grants, and institutional aid. Legislative histories of the five areas were presented along with…
Social Credibility：the Foundation Stone of Risk Prevention of Financial Aid Work on College Students --On Risk Prevention of Financial Aid Work on College Students in View of Sociology%社会诚信：高校学生资助工作风险防范的基石——从社会学视角谈高校资助工作的风险防范
马爱林; 孟令臣; 郭立新; 李建红
高校家庭经济困难学生资助工作中，存在着一些反映社会信用缺失的现象。从社会学的视角，对高校资助工作中社会信用缺失风险的表现、影响因素做了系统分析，并立足高校资助工作的实际，针对性地提出了建构诚信文化机制、严格工作规范机制、建立系统评价机制、强化社会监督机制等防范对策。%In the aid work on callege students with f＇mancial difficulties,there exist some phenomena that lack of social credibility. From a sociological point of view,the manifestation and influencing factors of the risks of social credi- bility are systematically analyzed,meanwhile,basic on the practical condition of financial aid work in colleges,the countermeasures to prevent the risks are put forward, such as establishing a credit cultural mechanism, making working regulation mechanism stricter, setting up a systematic evaluating mechanism, and strengthening social supervision mechanism.
This bachelor's thesis is focused on financial benchmarking of TULIPA PRAHA s.r.o. The aim of this work is to evaluate financial situation of the company, identify its strengths and weaknesses and to find out how efficient is the performance of this company in comparison with top companies within the same field by using INFA benchmarking diagnostic system of financial indicators. The theoretical part includes the characteristic of financial analysis, which financial benchmarking is based on a...
Costa Ramos, Vânia
The following article gives an overview of legal aid for victims in criminal cases in Portugal. It addresses the issues of a victim’s access to a lawyer, when and how the right is granted (right to legal assistance), and under what circumstances the victim has a right to financial legal aid (right to financial legal aid).
Lee, John B.; Clery, Suzanne B.
Examines differences among undergraduates who attended postsecondary education in states that provide different levels of state student financial aid. Describes aid types and sources, the price of college attendance, and personal characteristics of students. Also considers undergraduates' probability of attending institutions in high-aid or…
All the UK's major parties agree on ring-fencing foreign aid spending at current levels, even while the country's dire financial situation requires sharp cuts to other budgets. Peter Boone draws on the evidence on aid effectiveness to argue that our focus should not be on the amount we spend but rather on making aid work better.
Full Text Available New, more or better financial education and financial literacy programmes should lead to improved financial capability, knowledge and outcomes. Yet we do not even know which terminology is most suitable for those projects who all intend to give an answer to a question which is less than clear. What is meant by the term “financial education”? Why did the “demand” for financial education suddenly increase? Have the numerous tasks which consumers in a modern society have to fulfill created this new field for financial education? Are their specific needs of financial markets which need adapted consumers as competent players? Or has the general level of education fallen? Would more ignorance on financial products perhaps increase the likelihood of these markets to care more about consumers? Do we truly need financial education at all and if so, as this article argues, what kind of financial education would respond to it? Based on five years of empirical research, on existing papers and curriculars for financial education and another five years of our own experiences with practical financial education in schools and with clients of debt advice agencies we would like to promote financial education as a form of consumer protection where consumers are seen collectively as the true masters of the economy.
The Financial Sector Assessment Program (FSAP) team produced an Aide Memoire and the following three detailed reports that were reviewed by and delivered to the authorities: 1) technical notes; 2) assessment of compliance with standards and codes; and 3) detailed bank-by-bank stress tests. The Anti-Money Laundering and Combating the Financing of Terrorism (AML/CFT) section of the report was ...
Gary Gorton; Andrew Winton
The savings/investment process in capitalist economies is organized around financial intermediation, making them a central institution of economic growth. Financial intermediaries are firms that borrow from consumer/savers and lend to companies that need resources for investment. In contrast, in capital markets investors contract directly with firms, creating marketable securities. The prices of these securities are observable, while financial intermediaries are opaque. Why do financial inter...
Jones, Edward Samuel
The recent financial crisis has rekindled interest in the foreign aid supply behaviour of bilateral donors. Using the latest data covering the period 1960-2009, this paper examines how such behaviour is related to domestic factors. Based on a simple empirical model, a distinction is made between...... substantial heterogeneity between countries. There is also good evidence that donor behaviour continues to evolve over time. As such, past trends in aid supplies are unlikely to provide a good guide to those of the future....
在现行的特困生资助体系中，往往会出现康德所谓“二律背反”的两难情境，即关注群体“趋同性”和注重个体连续性是“二律背反”的客观表现。其重要启示在于不但要在经济上给予困难学生及时的资助，更应创新方式方法，在心理、情感、需求等方面给予全方位的关注。具体到应对举措和路径选择上，贫困生资助工作应重点做好“三个环节”的施行与衔接工作。前期认定环节完善机制构建：一是创新贫困生认定程序，着力改变传统班委参与讨论模式；二是提升参与评定者的道德认知；三是注重贫困生的诚信教育。中期资助环节转变资助方式：一是设立更多带有“荣誉感”的资助项目；二是多渠道开拓勤工助学岗位；三是争取社会力量助学；四是建立应急助困资金库。资助后续环节指导、监督与人文关怀并重：一是对学生获助资金的使用进行指导和监督；二是注重人文关怀和心理疏导。%The two dilemma,antinomy,proposed by philosopher Kant,appears often in the current financial aid system for the impoverished college students,that is,the objective performance on the convergence attentioned on the group and attention on the individual durative. The important enlightenment is that the immediate financial aid is necessary offered to the poverty - stricken college students,also the methods and ways should be innovated, whole concern to the students from the psychology,emotion and requirement. From the countermeasures and the se-lected way,the financial aid should pay attention to the performance and connect of the“ Three Links”. The first period is to determine the links and perfect mechanism construction. Firstly,the confirming procedure of impover-ished college students should be innovated,attempting to change the traditional class committee participating dis-cussion mode;sencondly,the moral cognition of the
The composition of the Board of the Mutual Aid Fund for 2011 is as follows: President: Pascal Droux Vice-president: Connie Potter Treasurer: Louis Pereira Deputy treasurer: Barbara Brugger Secretary: Sonia Casenove Deputy secretary: Isabelle Mardirossian Members: Christopher David Thomas Jean-Claude Vialis (GAC member) Marie-Luce Falipou Gunilla Santiard (Jean-Claude Vialis’s alternate) The role of the Fund is to provide financial help to members of personnel and beneficiaries of the Pension Fund who are in need of exceptional financial assistance. All requests are treated in the strictest confidence. Should you wish to apply for aid from the Fund, kindly contact any member of the Board as given above or Social Services, tel.74479 – 73867.
Sayinzoga, Aussi; Bulte, Erwin H.; Lensink, Robert
We organise a field experiment with smallholder farmers in Rwanda to measure the impact of financial literacy training on financial knowledge and behaviour. The training increased financial literacy of participants, changed their savings and borrowing behaviour and had a positive effect on the ne
钟全林; 曹建华; 谢利玉; 方新辉
根据世行贷款项目林中1～7年的平均高及优势木平均高等有关资料，结合利用江西编制的有关地位指数表、蓄积量生长过程表及江西省贫困地区林业发展项目可行性报告等材料，对江西省世行贷款项目林的蓄积收获量进行预测。预测结果显示，项目林可获取的商品材材积为22 743 736 m3。其中间伐商品材材积为760 199 m3，主伐商品材材积为21 983 537 m3。%Based on the height data both mean trees and dominate trees from first year to seventh year, the volume yield for the forests planted with the financial aid from the world Bank's loan in Jiangxi province is forecasted by using some relative tables such as site index table, normal stand volume yield table, and the feasible report on the forestry developmental projects in the poor areas in Jiangxi province. The result shows that 22,743,736 m3 commercial timber volume, including 760,199 m3 intermediate cutting volume and 21,983,537 m3 final felling volume will be gained in those forests.
Arndt, Channing; Jones, Edward Samuel; Tarp, Finn
Controversy over the aggregate impact of foreign aid has focused on reduced form estimates of the aid-growth link. The causal chain, through which aid affects developmental outcomes including growth, has received much less attention. We address this gap by: (i) specifying a structural model of the...... main relationships; (ii) estimating the impact of aid on a range of final and intermediate outcomes; and (iii) quantifying a simplied representation of the full structural form, where aid impacts on growth through key intermediate outcomes. A coherent picture emerges: aid stimulates growth and reduces...
The majority of AIDS patients in Africa rely on traditional healers to treat their disease rather than on Western medicine. Most western medical treatments currently available are beyond the financial resources of all but the wealthiest Africans, and most African countries lack the means to provide serious medical treatment for AIDS patients. AZT is almost the only drug used on a wide scale against AIDS, but its cost is estimated by the World Health Organization at $7-8000/year for each individual, not counting other treatments and hospital care. AIDS therapies offered by African health services exhaust their already meager health budgets. The money is lacking even to buy condoms to prevent the epidemic from spreading. Hospital hygiene may be poor and diagnostic and therapeutic tools lacking even for those AIDS patients able to be treated by modern medical specialists. Africa lacks the financial, scientific, social, and economic means of combatting AIDS. Some AIDS experts suggest that African governments underestimate the number of seropositive individuals in order to avoid frightening the population and discouraging tourists and investors. In the absence of an effective treatment or vaccine, the only tools to fight AIDS will be raising the awareness of the population to the gravity of the threat, systematic screening of blood donors, sterilization of syringes, and distribution of condoms. PMID:12282686
AIDS (acquired immune deficiency syndrome) is caused by HIV (human immunodeficiency virus), and is a syndrome that ... life-threatening illnesses. There is no cure for AIDS, but treatment with antiviral medication can suppress symptoms. ...
... more in both quiet and noisy situations. Hearing aids help people who have hearing loss from damage ... your doctor. There are different kinds of hearing aids. They differ by size, their placement on or ...
... electrical nerve impulses and send them to the auditory nerve, which connects the inner ear to the ... prefer. Cleaning makes a difference in hearing aid comfort. A perfectly comfortable hearing aid can become pretty ...
Foreign aid has evolved significantly since the Second World War in response to a dramatically changing global political and economic context. This article (a) reviews this process and associated trends in the volume and distribution of foreign aid; (b) reviews the goals, principles and instituti......Foreign aid has evolved significantly since the Second World War in response to a dramatically changing global political and economic context. This article (a) reviews this process and associated trends in the volume and distribution of foreign aid; (b) reviews the goals, principles and...... institutions of the aid system; and (c) discusses whether aid has been effective. While much of the original optimism about the impact of foreign aid needed modification, there is solid evidence that aid has indeed helped further growth and poverty reduction...
Jothi, A Lenin
Financial services, particularly banking and insurance services is the prominent sector for the development of a nation. After the liberalisation of financial sector in India, the scope of getting career opportunities has been widened. It is heartening to note that various universities in India have introduced professional courses on banking and insurance. A new field of applied mathematics has come into prominence under the name of Financial Mathematics. Financial mathematics has attained much importance in the recent years because of the role played by mathematical concepts in decision - m
Feingold, S. Norman
Approximately 95 percent of affiliated Jewish youth attend college. Much is happening in student aid today that will probably affect parents and their children. Issues of importance include: (1) legal considerations; (2) sources of financial aid; (3) applying for financial aid; (4) state and federal programs of financial aid; (5) sources of…
Pittman, James; Wilhelm, Kevin
Financial accounting methods fall short of fully accounting for the relative sustainability of college and university operations. Management of social, environmental, and economic performance will be aided by changes to and new developments in financial accounting practices to complement other indicators of sustainability.
... 18 Conservation of Power and Water Resources 2 2010-04-01 2010-04-01 false Financial assistance. 1317.430 Section 1317.430 Conservation of Power and Water Resources TENNESSEE VALLEY AUTHORITY... parental status. (b) Financial aid established by certain legal instruments. (1) A recipient may...
Demirguc-Kent, Asli; Detragiache, Enrica
The authors study the empirical relationship between banking crises and financial liberalization using a panel of data for 53 countries for 1980-95. They find that banking crises are more likely to occur in liberalized financial systems. But financial liberalization's impact on a fragile banking sector is weaker where the institutional environment is strong--especially where there is respect for the rule of law, a low level of corruption, and good contract enforcement. They examine evidence o...
Hastings, Justine S.; Madrian, Brigitte C.; Skimmyhorn, William L.
In this article, we review the literature on financial literacy, financial education, and consumer financial outcomes. We consider how financial literacy is measured in the current literature and examine how well the existing literature addresses whether financial education improves financial literacy or personal financial outcomes. We discuss the…
Khem Raj Bhetuwal Ph. D.
An efficient financial system can effectively mobilize and allocate resources leading to robust economic growth. Financial liberalization improves the functioning of financial system by increasing the availability of funds and allowing risk diversification and increased investment. The indices of financial liberalization and financial development, generated by the principal component analysis, depict a gradual process of financial liberalization and a continuous financial sector development. ...
Hostetter, Christina J.
This article explores the uses, practicality, and problems involved in creating online finding aids by state-funded university archivists across the nation. It examines various aspects of online finding aids such as financial considerations, its importance as a research tool, timelines, demographics, and use. The more technical side is also…
... (CONTINUED) AIRPORTS AIRPORT AID PROGRAM Accounting and Reporting Requirements § 152.303 Financial management system. Each sponsor or planning agency shall establish and maintain a financial management system that... 14 Aeronautics and Space 3 2010-01-01 2010-01-01 false Financial management system....
... TRANSPORTATION (CONTINUED) AIRPORTS AIRPORT AID PROGRAM Accounting and Reporting Requirements § 152.325 Financial... 14 Aeronautics and Space 3 2010-01-01 2010-01-01 false Financial status report: Airport planning... agency conducting a project for airport system planning shall submit a financial status report on a...
Chabotar, Kent John
Summarizes major problems in school financial management and suggests practical improvements to aid external reporting of financial data and internal management. Sections of the article describe these categories of problems: (1) budget presentation; (2) management control; (3) cost accounting; and (4) financial reporting. (PS)
Simon Gray and Joanna Place
Derivatives, ranging from relatively simple forward contracts to complicated options products, are an increasingly important feature of financial markets worldwide. They are already being used in many emerging markets, and as the financial sector becomes deeper and more stable, their use is certain to grow. This Handbook provides a basic guide to the different types of derivatives traded, including the pricing and valuation of the products, and accounting and statistical treatment. Also, it a...
Forensic accounting is the use of accounting expertise to assist a court. "Forensic" denotes anything to do with a court of law and forensic accounting is increasingly recognised as a separate and important discipline at the intersection of law and accountancy. A relatively new role within accounting, forensic accountants build on a unique blend of accounting and investigative skills.They are,infact, financial detectives, dissecting financial statements, looking behind rather than merely at t...
Financial crisis started from America and soon spread all over the world. How did this happen? What government has done to rescue the economy and what should we do to help? Is financial crisis inevitable? These questions have bothered me for a long time. However, if we use a macroeconomist eye to view the world, all the questions seemed clear and crystal.
US Ecology is a full service waste management company. The company operates two of the nation's three existing low-level radioactive waste (LLRW) disposal facilities and has prepared and submitted license applications for two new LLRW disposal facilities in California and Nebraska. The issue of financial assurances is an important aspect of site development and operation. Proper financial assurances help to insure that uninterrupted operation, closure and monitoring of a facility will be maintained throughout the project's life. Unfortunately, this aspect of licensing is not like others where you can gauge acceptance by examining approved computer codes, site performance standards or applying specific technical formulas. There is not a standard financial assurance plan. Each site should develop its requirements based upon the conditions of the site, type of design, existing state or federal controls, and realistic assessments of future financial needs. Financial assurances at U.S. Ecology's existing sites in Richland, Washington, and Beatty, Nevada, have been in place for several years and are accomplished in a variety of ways by the use of corporate guarantees, corporate capital funds, third party liability insurance, and post closure/long-term care funds. In addressing financial assurances, one can divide the issue into three areas: Site development/operations, third party damages, and long-term care/cleanup
... prefer the open-fit hearing aid because their perception of their voice does not sound “plugged up.” ... My voice sounds too loud. The “plugged-up” sensation that causes a hearing aid user’s voice to ...
Richey, Lisa Ann; Ponte, Stefano
A critical account of the rise of celebrity-driven “compassionate consumption” Cofounded by the rock star Bono in 2006, Product RED exemplifies a new trend in celebrity-driven international aid and development, one explicitly linked to commerce, not philanthropy. Brand Aid offers a deeply informed...
Linnerooth-Bayer, Joanne; Mechler, Reinhard; Pflug, Georg
With new modeling techniques for estimating and pricing the risks of natural disasters, the donor community is now in a position to help the poor cope with the economic repercussions of disasters by assisting before they happen. Such assistance is possible with the advent of novel insurance instruments for transferring catastrophe risks to the global financial markets. Donor-supported risk-transfer programs not only would leverage limited disaster-aid budgets but also would free recipient countries from depending on the vagaries of postdisaster assistance. Both donors and recipients stand to gain, especially because the instruments can be closely coupled with preventive measures. PMID:16099976
Justine S. Hastings; Madrian, Brigitte C.; William L. Skimmyhorn
In this article we review the literature on financial literacy, financial education, and consumer financial outcomes. We consider how financial literacy is measured in the current literature, and examine how well the existing literature addresses whether financial education improves financial literacy or personal financial outcomes. We discuss the extent to which a competitive market provides incentives for firms to educate consumers or offer products that facilitate informed choice. We revie...
... and Food and Drug Administration Staff FDA permits marketing of new laser-based hearing aid with potential ... feeds Follow FDA on Twitter Follow FDA on Facebook View FDA videos on YouTube View FDA photos ...
B. S. Rupanawar; Rege, Kiran M
The nationalization of banks in 1969 and subsequent developments led to expansion of the geographical and functional reach by the banks. Public policy aimed at 'social 'and 'development banking 'by meeting rural credit needs and reducing the role of credit of informal sector. Despite the vast expansion, a large number of groups remain excluded from the opportunities and services provided by the financial sector. Such excluded groups include small and marginal farmers, women and unorganized se...
Scott Brave; R. Andrew Butters
We approach the task of monitoring financial stability within a framework that balances the costs and benefits of identifying future crisis-like conditions based on past U.S. financial crises. Our results indicate that the National Financial Conditions Index (NFCI) produced by the Federal Reserve Bank of Chicago is a highly predictive and robust indicator of financial stress at leading horizons of up to one year, with measures of leverage playing a crucial role in signaling financial imbalanc...
... Devices Consumer Products Hearing Aids Types of Hearing Aids Share Tweet Linkedin Pin it More sharing options ... some features for hearing aids? What are hearing aids? Hearing aids are sound-amplifying devices designed to ...
This article deals with a relatively new concept of the economics, i.e. financial stability. The essence of the financial stability concept, academic and practical definitions of financial stability, relationships between financial stability and other notions of the theory of finance (financial crisis, financial fragility, financial soundness, etc.) are considered. The author argues convincingly that there is a need for promoting scientific debate about financial stability problems in the Rep...
This article focuses on analyzing of a consolidated financial statements of a hypothetically SME. The interpretation of the financial position and performances is based on the more than 40 financial key ratios computed by using financial data from consolidated income statement, consolidated financial position and cash flow. However additional data from notes to financial statements are provided.
Full Text Available This article focuses on analyzing of a consolidated financial statements of a hypothetically SME. The interpretation of the financial position and performances is based on the more than 40 financial key ratios computed by using financial data from consolidated income statement, consolidated financial position and cash flow. However additional data from notes to financial statements are provided.
Full Text Available The aim of the author of this paper isto show the relationship between the level of financialresponsibility of individuals and of companymanagers and the stability of financial markets, assetmarkets and the stability of the financial system as awhole. In Bosnia and Herzegovina (B&H after the1992-1995 conflict, there was a large influx offunding into the local economy both from the fields ofFDI (Foreign Direct Investment and bilateral andunilateral aid. Many people in BH were keen toaccess loans in a seemingly cash-rich economy, butwere ill-prepared in the fields of financial borrowingand handling debt properly. Subsequently theyexperienced difficulties in servicing obligations andthe loan portfolio of banks has deteriorated. Thus theonset of the financial crisis has brought somethingpositive. Borrowing in B&H dropped, but problemsservicing existing loans rose. The situation has notyet become problematic but banking sector shortfallstend to manifest themselves between 12-18 monthsafter the event. The author believes that a moreserious approach to financial responsibility at microlevelsis necessary for the national economic good.
Implementation of the concept of sustainable development requires the use of a variety of instruments. These instruments may be legal or financial. One of the fi-nancial instruments to support sustainable development might be state aid. Howev-er, not all aid is beneficial from the point of view of sustainable development. Therefore, an important task is to identify the types of aid that have a positive im-pact on sustainable development, and on the other hand to show aid which is harmful from...
Richey, Lisa Ann; Ponte, Stefano
activists, scholars and venture capitalists, discusses the pros and cons of changing the world by ‘voting with your dollars’. Lisa Ann Richey and Stefano Ponte (Professor at Roskilde University and Senior Researcher at DIIS respectively), authors of Brand Aid: Shopping Well to Save the World, highlight how...
Whitfield, Lindsay; Fraser, Alastair
This article presents a new analytical approach to the study of aid negotiations. Building on existing approaches but trying to overcome their limitations, it argues that factors outside of individual negotiations (or the `game' in game-theoretic approaches) significantly affect the preferences of...
We examine the effect of financial openness on the development of financial systems in a panel of 35 emerging markets during the period of 1976 to 2003. A group of indicators including variables from banking sector, stock market, and national capital accounts are used as measures of financial openness and financial development. In addition, aggregate index measures are developed to incorporate information from different areas of the financial system. Our empirical results generally suggest th...
G. J. LÓPEZ
The work seeks to analyse Mexico's recent exchange-rate crisis in relation to the debate on financial modernisation and external financial fragility. The author reviews some key features of Mexico's 1988-1994 economic recovery before analysing some aspects of the country's evolution in the light of the financial modernisation debate. An explanation of the crisis in which Mexico's external financial fragility is emphasised is provided. Finally, the relationship between financial modernisation ...
Full Text Available Tactile aids, which translate sound waves into vibrations that can be felt by the skin, have been used for decades by people with severe/profound hearing loss to enhance speech/language development and improve speechreading.The development of tactile aids dates from the efforts of Goults and his co-workers in the 1920s; Although The power supply was too voluminous and it was difficult to carry specially by children, it was too huge and heavy to be carried outside the laboratories and its application was restricted to the experimental usage. Nowadays great advances have been performed in producing this instrument and its numerous models is available in markets around the world.
Marzieh Kalantarie Taft; Zare Zardeini Hosein; Seyyed Mohammad Tabatabaei Mehrizi
Increased variety of products and the instability of the global economy in twenty first century caused increasingcomplexity of financial decisions and also caused consumers faced with the challenge in economic and financialactivities. For this reason, in the last decade, the importance of financial management skills in personal and worklife has increased and researches in this area has been done. In this regard, this study tries to evaluate the relationbetween financial literacy, financial we...
The report is a joint International Monetary Fund IMF-World Bank Financial Sector Assessment Program (FSAP), which examined Gabon's macroeconomic and financial context, and identified its financial soundness, as well as vulnerabilities. The country's financial sector is overall, profitable and stable, though still relatively underdeveloped. Banks - which dominate the financial sector - fin...
Dutta, Nabamita; Roy, Sanjukta
Financial development is definitely a determinant of the extent of foreign direct investment (FDI) inflow into an economy. Yet, the contribution of financial development (FD) can be dependent on the political situation of the recipient nation. Higher political stability aids financial institutions to reap the benefits of FDI efficiently. Our paper empirically investigates the role of political risk in the association of FDI and FD. Using a panel of 97 countries, we show the relationship to be...
... Diversity Find People About NINDS Neurological Complications of AIDS Fact Sheet Feature Federal domestic HIV/AIDS information ... Where can I get more information? What is AIDS? AIDS (acquired immune deficiency syndrome) is a condition ...
SÜNTER, A.T.; PEKŞEN, Y.
AIDS was first defined in the United States in 1981. It spreads to nearly all the countries of the world with a great speed and can infect everbody without any differantiation. The infection results in death and there is no cure or vaccine for it, yet. To data given to World Health Organization until July-1994, it is estimated that there are about 1 million patients and about 22 millions HIV positive persons In the world. Sixty percent of HIV positive persons are men and 40% are women. The di...
Шпак, Валентин Аркадійович
Organization of financial accounting that is grounded on principles of financial reporting has been considered. The relation between accounting objects and accounts has been researched. Approaches towards solving problems of organization of financial accounting have been described.
Ismail, Abdul Ghafar; Taufiq, Umar
The objective of this paper is to create a gap between zakat on financial institutions and financial instruments held by the individuals. As zakat on financial institutions are already recognized by the financial and standard setting bodies but a new development especially for the underlying contract that warrant us to visit the subject with an intention to recognize zakat on financial instruments owned by individuals. The concept of real owner is discussed when a financial instrument is issu...
Thomas M. Hoenig
In recent years, revolutionary changes in financial markets, combined with incidents such as Barings and Daiwa, have revived concerns about the adequacy of financial regulation. Historically, financial regulatory policy has been driven by the view that to maintain the health of the financial system you must maintain the health of individual institutions.> In light of ongoing changes in financial markets, however, extending the traditional approach to financial market regulation may not work. ...
Ravikumar, R.; S.D. SIVAKUMAR; M. JAWAHARLAL; N. Venkatesa Palanichamy; D. Sureshkumar
Financial literacy is gaining importance in recent years as number new products have been continuously offered in the financial markets. Whatever the type of business such as corporates, small business and family run business the financial management is vital important. Financial literacy enables the efficient financial management ultimately results in increased profitability and reduces cost. The global researchers indicated that, India is least financially literate country. Keeping these th...
Richard M. Levich
The central theme of this paper is that financial innovation has become a major force effecting the United States and other developed economies. The common features of the process include product innovation, securitization, liberalization of domestic financial market practices, globalization of markets, and increased competition among financial institutions. The paper offers a review of the product and process changes that have occurred in international financial markets, an analysis of the f...
Full Text Available Financial resources of the village that are sourced from a country or a Regional Finance Financial based Law Number 6 Year 2014 of The Village is the mandate of the law that must be allocated to the village. The interconnectedness of the financial position of the village in the financial system of the country or Region concerned the Financial administrative and territorial relations, and there is no setting directly regarding the finances of the village as part of the financial system of the country or the financial area. In respect of the elements of the crime of corruption deeds against financial irregularities of the village there are still disagreements on the interpretation of the law in trapping the perpetrators of corruption on the village chief that implies not satisfy the principle of legality and legal certainty in the ruling of the matter of financial irregularities. In fact, many of the village chief or Councilor caught the criminal offence of corruption over the use of financial irregularities. This research analyzes How the financial position of the village in the financial system of the country or region, as well as whether the financial resources of the village is derived from the state budget or region budget managed in village budget belongs to the category of village finances and whether tort against the financial management of the village can be categorized as a criminal act corruption. How To Cite: Purnomo, H. (2015. Financial Village Standing in Indonesian Financial System. Rechtsidee, 2(2, 121-140. doi:http://dx.doi.org/10.21070/jihr.v2i2.81
From pricing regulations of the feed-in scheme (EEG) through to financial security under the Atomic Energy Act (AtG): the German legal system for the energy sector in the context of EC legislation on state aid
This contribution is a comprehensive analysis of EC law on state aid and resulting possible impacts on the German legal system for the energy sector. The analysis reveals that, depending on the legal interpretation of Art. 87 of the EC Treaty, further non-compliance issues such as that currently under debate in connection with German legislation supporting market penetration of electricity from renewable energy sources, may arise in the future. Further examples referred to are the German system of liability reserves for the decommissioning of nuclear power plants, and the system of third party liability for nuclear power plant operators. The author addresses various problem areas and uses characteristic examples in explaining conceivable matters of conflict. (orig./CB)
This article reviewed the history of Zhong He Shanxi Uranium Enrichment Company, summarizing an efficient and systematical financial management method during both construction period and operational period of the company. It related to fundamental financial management structure building, integrated budgeting, fund management, cost management, asset management, tax planning and HR management. of financial staffs. (author)
Vermeulen, Robert; Hoeberichts, Marco; Vasicek, Borek; Zigraiova, Diana; Smidkova, Katerina; de Haan, Jakob
This paper develops a Financial Stress Index (FSI) for 28 OECD countries and examines its relationship to crises using a novel database for financial crises. A stress index measures the current state of stress in the financial system and summarizes it in a single statistic. Our results suggest that
Pension Benefit Guaranty Corporation — This table contains key Financial data highlighted from PBGC's financial statements for the periods ending September 30, 1992 through September 30, 2009. PBGC's...
Full Text Available We study financial literacy in France using the PATER survey and following the Lusardi and Mitchell (2011c approach. We find that some subpopulations are less financially literate than others: women, young and old people as well as less-educated people are more likely to face difficulties when dealing with fundamental financial concepts such as risk diversification and inflation and interest compounding. We also find some differences in financial knowledge depending on the political opinion of the respondents. Finally we show that these differences in financial knowledge are correlated with differences in the propensity to plan: people who score higher on the financial literacy questions are more likely to be engaged in the preparation of a clearly defined financial plan.
This Financial Sector Assessment summarizes the findings of the joint World Bank-International Monetary Fund (IMF) financial sector assessment program (FSAP). The overall assessment of development priorities, and financial stability suggest that even though the current depth, and efficiency of Tanzania's financial system fall well short of what is needed to help support economic growth, th...
Catalin-Florinel Stanescu; Laurentiu Mircea Simion
Concerns about the financial risk is increasing. In this climate, companies of all types and sizes want a robust framework for financial risk management to meet compliance requirements, contribute to better decision making and increase performance. Financial risk management professionals working with financial institutions and other corporate clients to achieve these objectives.
World Bank; International Monetary Fund
Diversifying Poland's financial system to meet new demands while preserving its resilience and stability is the key task ahead for financial policymakers. Over the past decade, the financial system has grown rapidly and risks have been well managed along the way. To maintain this track record and supply the financial services needed to support the economy's growth, it will be important to ...
We consider dynamics of financial markets as dynamics of expectations and discuss such a dynamics from the point of view of phenomenological thermodynamics. We describe a financial Carnot cycle and the financial analogue of a heat machine. We see, that while in physics a perpetuum mobile is absolutely impossible, in economics such mobile may exist under some conditions. Our thermodynamical model for the financial market induces a rather unusual interpretation of the role of financial crises. ...
The promotion of an inclusive financial system is considered a policy priority in many countries. While the importance of financial inclusion is widely recognized, the literature lacks a comprehensive measure that can be used to measure the extent of financial inclusion across economies. This paper attempts to fill this gap by proposing an index of financial inclusion (IFI). The IFI is a multi-dimensional index that captures information on various dimensions of financial inclusion in one sing...
Hjertholm, Peter; Laursen, Jytte; White, Howard
foreign aid, macroeconomics of aid, gap models, aid fungibility, fiscal response models, foreign debt,......foreign aid, macroeconomics of aid, gap models, aid fungibility, fiscal response models, foreign debt,...
The present study , in the perspective of implementation of educational policies , is a survey ad-ministered among 1,384 students with financial difficulties from 14 colleges and universities in Zhejiang in an attempt to learn about the overall situation of the students ’ satisfaction with the implementation of financial-aid policies and its influencing factors .Findings show that:1) In general the students maintain a high degree of satisfaction with the policy implementation in Zhejiang;2 ) Female students show a higher degree of overall satisfaction than male students;3) Freshmen and senior students show the highest degree of satisfaction;4) Compared with ordinary impoverished students , those with serious financial problems show significantly higher degrees of satisfaction in overall evaluation , policy publicity , implementation efficiency and implementation process;5) Students from west China show the highest degrees of satisfaction , and 6) Students’ satisfaction is positively correlated to their academic performance .%基于教育政策执行的视角，运用调查问卷对浙江省14所高校1384名贫困生的资助政策执行满意度状况及影响因素进行调查。结果表明：贫困生对浙江省资助政策的执行状况总体满意度较高；女生对资助政策的总体满意度高于男生；大一和大四的学生对资助政策的执行最为满意；特困生在总体满意度、政策宣传、执行效率和执行过程四个维度上显著高于一般困难生；西部地区的贫困生对于资助政策执行最满意。
Lee, John B.; Clery, Suzanne B.
This report examines differences between undergraduates who attended postsecondary institutions in states that provide different levels of student financial aid. The report uses data from the 1995-96 National Postsecondary Student Aid Study. The study evaluated how students combine aid types and sources, price of attendance, and personal…
George Horia Ionescu; Ruxandra Dana Vilag
In the last 25 years, financial systems around the world have gone undergone unprecedented changes. Investors can borrow large amounts of money at cheaper rates than ever before, invest in a very large variety of sophisticated financial instruments, seeking the profits and sharing the risk with strangers from across the globe, at speed of light. Because of the globalization of financial markets throughout the world, entities in any country seeking to raise funds need not be limited to their d...
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Full Text Available This paper tests the relative strength of three objective measures of financial health (using the solvency, liquidity, and investment asset ratio in predicting a household’s subjective feeling of current financial satisfaction. Using a sample of 6,923 respondents in the 2008 Health and Retirement Study this paper presents evidence of two main findings: 1 the solvency ratio is most strongly associated with financial satisfaction levels based on a cross-sectional design and 2 changes in the investment asset ratio are most strongly associated with changes in financial satisfaction over time.
Klein, Michael; Harford, Tim
Private financial flows such as foreign direct investment seem toencourage economic growth and relieve poverty in part because theycreate excellent incentives for transferring know-how and in partbecause they are subject to a stern market test that ensures they areallocated and monitored carefully. For aid flows, not automaticallysubject to these disciplines, it is difficult to be as effec...
Practical C++ Financial Programming is a hands-on book for programmers wanting to apply C++ to programming problems in the financial industry. The book explains those aspects of the language that are more frequently used in writing financial software, including the STL, templates, and various numerical libraries. The book also describes many of the important problems in financial engineering that are part of the day-to-day work of financial programmers in large investment banks and hedge funds. The author has extensive experience in the New York City financial industry that is now distilled in
Klapper, Leora; Lusardi, Annamaria; Panos, Georgios A.
The ability of consumers to make informed financial decisions improves their chances of having sound personal finance. This paper uses a panel dataset from Russia, where consumer loans grew at an astounding rate -- from about US$10 billion in 2003 to over US$170 billion in 2008 -- to examine the importance of financial literacy and its relationship with behavior. The survey asked questions...
Full Text Available Financial policy outlines the main directions of action of the financial activity. In determining financial policy, managers must take into consideration interests of all stakeholders, given the political, social, financial and monetary context of the firm, but also the technical and technological one. In addition, the educational, environmental and scientific context must be considered when establishing the financial policy, as it also influences the latter. Therefore, within financial policy, managers must identify and adopt those financial decisions that can positively influence the future development of the firm. Present studies intended as a tool for those interested in the future of the firm, e.g. employers, employees, banks, insurance companies, service providers, etc. It details directions of actions used by managers within financial policy in order to increase firm profits.
Full Text Available This study illustrates the process of program evaluation using a logic model. Guided by the Transtheoretical Model of Change and a logic model, this study evaluated the effectiveness of a Retirement and Savings Seminar by measuring participant (n = 54 satisfaction, financial knowledge, financial confidence, and financial behavior change compared to a similar group of 134 non-participants. Participants were very satisfied with the seminar. Their financial knowledge and confidence scores significantly increased from pretest to posttest. Financial knowledge and confidence scores improved more than the comparison group while controlling for group differences in age, income, and pretest scores. Two months later, participants were more likely than the comparison group to have adopted positive financial behaviors as measured by the Financial Preparedness for Retirement Scale. Financial educators can use this study as a model for planning, conducting, and evaluating their programs.
U.S. Department of Health & Human Services — This section contains the annual CMS financial statements as required under the Chief Financial Officers (CFO) Act of 1990 (P.L. 101-576). The CFO Act marked a...
<正>The prolonged financial crisis brought about profound changes in international political and economic patterns. With a focus on China’s place in the post-crisis world situation, the Halter Financial Summit,
This article focuses on computing techniques starting from trial balance data regarding financial key ratios. There are presented activity, liquidity, solvency and profitability financial key ratios. It is presented a computing methodology in three steps based on a trial balance.
Guillaume Plantin; Haresh Sapra; Hyun Song Shin
Market prices give timely signals that can aid decision making. However, in the presence of distorted incentives and illiquid markets, there are other less benign effects that inject artificial volatility to prices that distorts real decisions. In a world of marking-to-market, asset price changes show up immediately on the balance sheets of financial intermediaries and elicit responses from them. Banks and other intermediaries have always responded to changes in economic environment, but mark...
Plantin, Guillaume; Sapra, Haresh; Shin, Hyun Song
Market prices give timely signals that can aid decision making. However, in the presence of distorted incentives and illiquid markets, there are other less benign effects that inject artificial volatility to prices that distorts real decisions. In a world of marking-to-market, asset price changes show up immediately on the balance sheets of financial intermediaries and elicit responses from them. Banks and other intermediaries have always responded to changes in economic environment, but ma...
Tianjin's Binhai New Area lures the financial industry with preferential treatment If you were thinking about doing financial business in Shanghai, Hong Kong or Beijing, think again. Early in June this year, the State Council approved the establishment of a financial experimental zone for Tianjin's Binhai New Area, which will get preferential treatment that other cities can hardly expect to attain. While for a time the area's administration had to actively court financial institu-
Financial inclusion is the process of ensuring access to appropriate financial products and servicesneeded by vulnerable group such as weaker sections and low Income groups at an affordable cost in a fair andtransparent manner by mainstream institutional player. Financial inclusion has become one of the most criticalaspects in the context of inclusive growth and development. The importance of an inclusive financial system iswidely recognized in policy circles and has because a policy priority...
The aim of this paper is to empirically study the concept of financial stability in Romania, from both a monetary policy perspective and a financial perspective. In this paper, I also compute an aggregate index of financial stability, for the period 2008-2013, explaining the correlations between several extremely important macroeconomic and sectorial variables and financial stability. The article also debates the aspect of policy instruments that aim to promote, highlighting the undertaken me...
Foreign aid is given for many purposes and different intentions, yet most studies treat aid flows as a unitary concept. This paper uses factor analysis to separate aid flows into different types. The main types can be interpreted as aid for economic purposes, social purposes, and reconstruction; a...... residual category captures remaining purposes. Estimating the growth effects of separable types of aid suggests that most aid has no effects while reconstruction aid has direct positive effects. Although this type only applies in special circumstances, it has become more prevalent in more recent years....
This report is a review of the Lesotho's financial system covering: i) the macro-financial environment; ii) safety and soundness of the banking system; iii) non-bank financial institutions; and iv) microfinance and finance for small and medium enterprises. The report was based on data and other information collected during the March 2003 mission. The report is presented in four chapters: c...
Finke, Michael S.; Huston, Sandra J.; Winchester, Danielle D.
Using a cost-benefit framework for financial planning services and proprietary data collected in the summer of 2008, the client characteristics that are associated with the likelihood of paying for professional financial advice, as well as the type of financial services purchased, are identified. Results indicate that respondents who pay for…
Harrison, Tina; Marchant, Caroline; Ho, Mary
The purpose of the paper is 1) to develop a discussion regarding the processes via which children develop and become financially literate: the process of financial socialization; 2) to propose a conceptual framework for understanding financial socialization among children and young adults
A joint International Monetary Fund (IMF)-World Bank Financial Sector Assessment Program (FSAP) mission visited Lithuania during November 4-15, 2001 to undertake an assessment of the financial sector. The principal objective of the mission was to assist the authorities in identifying potential vulnerabilities in the Lithuanian financial system and obstacles to its future development. Finan...
Over the past decade, Algeria has courageously attempted to modernize its financial system, despite social strife, and unique challenges posed by the large hydrocarbon sector. However, lending by state-owned banks, mostly to public entities, still dominates financial intermediation, financial markets remain in their infancy, and, implementation of regulatory reforms is lagging. And, becaus...
Nasr, Sahar; Petersen, Arne; Vossen, Jan Van der; Hashad, Nabil; Britton, Richard; Kulaksiz, Sibel; Huitfeld, Erik
The link between sound and well-developed financial systems and economic growth is fundamental. Efficient and prudent allocation of resources by the financial system is critical for increasing productivity, boosting economic development, enhancing equality of opportunity, and reducing poverty. The financial sector in Iraq remains underdeveloped and underperforming. The banking system is by...
of the article which is to explore further the nature of ‘irrationality’ as manifest in financial crises. When the contours of both these aspects of financial calculation have been elaborated, the article moves on to consider how they might shape regulatory responses to the seeming inevitability of financial...
Bush, Sarah B.; McGatha, Maggie B.; Bay-Williams, Jennifer M.
The current state of the economy elevates the need to build awareness of financial markets and personal finance among the nation's young people through implementing a financial literacy curriculum in schools. A limited amount of time spent on financial literacy can have a positive effect on students' budgeting skills. This knowledge will only add…
Financial management has developed as a separate area of study, being very important for both the small or large companies. Financial management has a role in investment decisions, financing decisions and controlling resources. The responsibility of the financial manager is to monitor actual performance of the company
Andrews, Matthew; Wilhelm, Vera
Researchers are giving more attention to aid predictability. In part, this is because of increases in the number of aid agencies and aid dollars and the growing complexity of the aid community. A growing body of research is examining key questions: Is aid unpredictable? What causes unpredictability? What can be done about it? This note draws from a selection of recent literature to bring s...
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Shuo BAI; Shouyang WANG; Lean YU; Aoying ZHOU
@@ The rapid growth in financial data volume has made financial information processing more and more difficult due to the increase in complexity, which has forced businesses and academics alike to turn to sophisticated information processing technologies for better solutions. A typical feature is that high-performance computers and advanced computational techniques play ever-increasingly important roles for business and industries to have competitive advantages. Accordingly, financial information processing has emerged as a new cross-disciplinary field integrating computer science, mathematics, financial economics, intelligent techniques, and computer simulations to make different decisions based on processed financial information.
Caruntu Genu Alexandru
Full Text Available In economic and financial activity, risk is an inherent financial decisions, encountered in daily agenda of managers of companies. Unexpected changes in the price of a product development not only affect the financial results of a company, but can cause even bankruptcy. In fact, the nature of financial decisions involve uncertainty. Financial decisions are made based on cash flows under future contracts, which are par excellence incerte.Activitatea an enterprise that holds any weight in the industry is subject to risks, since it can not predict with certainty different components of its outcome (cost, quantity, price and operating cycle (purchase, processing, sales.
@@ As the Wall Street chaos of 2008 swept the globe,China-with little exposure to subprime mortgages-was one of the only calm ports in the growing financial storm.Ifone lesson can be learned from the crisis,it is this: maintain a constant state of financial vigilance against risks even in boom times.China now faces the task of ensuring its financial health as it further opens to the world amid a global financial landscape reshaped by deep recessions.Economists and finance professors discussed these challenges at the Asia-Pacific Economic and Financial Forum recently held in Beijing.Edited excerpts follow:
As the Wall Street chaos of 2008 swept the globe,China-with little exposure to subprime mortgages-was one of the only calm ports in the growing financial storm.If one lesson can be learned from the crisis,it is this: maintain a constant state of financial vigilance against risks even in boom times.China now faces the task of ensuring its financial health as it further opens to the world amid a global financial landscape reshaped by deep recessions.Economists and finance professors discussed these challenges at the Asia-Pacific Economic and Financial Forum recently held in Beijing.Edited excerpts follow
Rodica Oana Ioniţă
This paper is an empirical study which analyzes economic and financial instability periods. I composed two early warning indicators: one for a period of economic instability and other for a period of financial instability. The index of economic instability periods is called EWI (Economic Warning Index) and it is defined with the aid of an intermediary indicator CII – defined in terms of industrial production growth, external trade growth and unemployment growth – and of a basket of significan...
General Services Administration — For a visual depiction of GSA's Balance Sheet and Statement of Net Cost, please use the interactive charts to view the financial results for fiscal years 2007-2013.
@@ Beijing's new financial dream On May 5,the Beijing Municipal Government released a notice regarding its plans to spur the financial industry,vowing to put forth a strong effort to become the national financial decision-making center,financial management center and financial information and services center,and formally announcing its ambitious aspiration to become a financial hub with international influence.
Lobanova, E. N.; Zmitrovich, A. I.; Voshevoz, A. A.; Krivko-Krasko, A. V.
In this article we consider concepts and components of the Financial Decision Making System that is being developed in the Institute of Business and Management Technology, BSU. Such system can be successfully used either for training experts in financial analytics and financial management or for financial managers and financial directors in an enterprise for the effective financial decision making.
Torben G. Andersen; Tim Bollerslev; Peter F. Christoffersen; Francis X. Diebold
Current practice largely follows restrictive approaches to market risk measurement, such as historical simulation or RiskMetrics. In contrast, we propose flexible methods that exploit recent developments in financial econometrics and are likely to produce more accurate risk assessments, treating both portfolio-level and asset-level analysis. Asset-level analysis is particularly challenging because the demands of real-world risk management in financial institutions - in particular, real-time r...
This thesis deals with the closing of books and the final accounts, or more precisely final accounts in a broader sense, of the business entity in the Czech Republic. The theoretical part focuses on the preparatory work before closing the books that lead to the preparation of financial statements, it means the balance sheet, income statement, notes to the financial statements, alternatively cash flow statement and statement of changes in the equity. Preparatory works mean such as inventory...
Hansen, Henrik; Tarp, Finn
This paper examines the relationship between foreign aid and growth in real GDP per capita as it emerges from simple augmentations of popular cross country growth specifications. It is shown that aid in all likelihood increases the growth rate, and this result is not conditional on ‘good’ policy....... There are, however, decreasing returns to aid, and the estimated effectiveness of aid is highly sensitive to the choice of estimator and the set of control variables. When investment and human capital are controlled for, no positive effect of aid is found. Yet, aid continues to impact on growth via...
Hsu, Sara; Li, Jianjun
In this paper, we examine whether there is an “ideal” level of financial development, somewhere between financial capital overaccumulation and financial capital underaccumulation. We construct indexes of non-bank or speculative financial development, financial (bank) deepening, and production. We find that financial deepening does support what we dub the “speculative spread,” that is, the difference between non-bank or speculative finance and real production. As financial deepening grows,...
In this paper we propose to make a presentation of the main theories on financial intermediation and financial intermediaries. Modern theory of financial intermediation examine the main functions of financial intermediation, how the financial intermediation affect the economy as a whole and the effects of government policies on financial intermediaries. We will focus on issues of function of financial intermediaries, such as reduction of transaction costs, liquidity provision, information pro...
Grohmann, Antonia; Menkhoff, Lukas
Why do some people make better financial decisions than others do? The level of financial literacy plays an important role: Quality schooling that also deals with financial issues likewise leads to better financial decisions. However, many studies neglect how parenting also influences financial behavior. This report shows that parents also have an indirect effect on the financial literacy of their adult children; in general, specific financial training actually has less of an effect on financ...
Every two years, according to Article 6 of the Regulations of the Mutual Aid Fund, the Committee of the Mutual Aid Fund must renew one third of its membership. This year three members are outgoing. Of these three, two will stand again and one will not. Candidates should be ready to give approximately two hours a month during working time to the Fund whose aim is to assist colleagues in financial difficulties. We invite applications from CERN Staff who wish to stand for election as a member of the CERN Mutual Aid Fund to send in their application before 17 June 2016, by email to the Fund’s President, Connie Potter (email@example.com).
Moon, Rexford G.
In order of their importance in 1961, the administrative outlets for funds for undergraduates were: colleges and universities (70 percent); the federal government (17 percent), state governments (9 percent), and others. In order of importance as sources of funds for graduate support were: the federal government ($200 million), colleges and…
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Dudley, N. J.
This article provides only a flavour of the type and range of aids available to the visually impaired person. Many other aids for leisure, learning, and daily living are illustrated in the RNIB equipment and games catalogue.
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This data set contains counts of AIDS (Acquired Immune Deficiency Syndrome) cases reported to state and local health departments, by demographics; case-definition; HIV exposure group (risk factors for AIDS); Half-year of diagnosis, report, and death.
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