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08-06-2011 03:33 AM

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08-06-2011 03:47 AM

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

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

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08-06-2011 04:12 AM

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

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08-06-2011 04:38 AM

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

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

discounting (DO, M4)<br />A method used to value at the same date economic flows or stocks which have originated at different dates. A typical use of discounting is to convert the expected future incomes from an asset to present values using a DISCOUNT RATE.<br /><em>See also:</em> discounted cash flow
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08-06-2011 05:05 AM

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Gerschenkron effect (C1, NO, F2)<br />The effect of the choice of a particular base year on an index of industrial output. In a largely agrarian society, the base year chosen will determine the rate of growth exhibited by that index. This was originally applied to the Soviet economy by the Austro-American economic historian Alexander Gerschenkron (1904-78).<br /><em>Reference</em><br />Gerschenkron, A. (1947) 'The Soviet indices of industrial production', Review of Economics and Statistics 29: 217 26.
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<strong>Borrower-based academic year (BBAY)</strong> – An academic year that deviates from the standard definition and is often used by technical or vocational schools or within non-traditional programs of study. A BBAY is individualized for each borrower and generally covers a period of time during which the borrower completes at least a certain number of credit hours.
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08-06-2011 06:27 AM

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bearer share (G1)<br />A company share owned by the person holding it at a particular time.
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<strong>Repurchase (of a claim)</strong> – The lender' s purchase of a defaulted loan from the guarantor that bought the claim.
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08-06-2011 07:22 AM

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<strong>ED</strong> – U.S. Department of Education, which may also be referred to as DE or simply the Department.
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<strong>College Access Initiative</strong> – Included in the Deficit Reduction Act of 2005, this initiative requires guarantors to undertake activities to promote access to postsecondary education. Information and tools may cover topics such as college planning, career preparation, and paying for college and may be made available via websites, publications, or other programs.

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

Bureau of Economic Analysis (H1)<br />The branch of the US Department of Commerce responsible for assembling and publishing US national income accounts.<br /><em>See also:</em> National Income and Product Accounts
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