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rate of return (GO, M2)<br />The ratio of the earnings from an asset to the value of that asset, usually expressed as a percentage. Companies calculate this as the ratio of pre-tax profit to the capital employed. Private and social rates of return of HUMAN CAPITAL and of major public investments are often calculated. An alternative measure is the INTERNAL RATE oF RETURN which takes into account the timing of earnings.

<strong>Permanent resident of the United States</strong> – A person who meets certain requirements of the U.S. Citizenship and Immigration Services (USCIS), a division of the Department of Homeland Security (DHS). (Formerly known as the INS. On March 1, 2003, the INS transitioned into the DHS and was renamed the USCIS.)

<strong>Estimated Financial Assistance/Aid (EFA)</strong> – A school' s estimation of the amount of financial aid for which the student is eligible during any given enrollment period. EFA may include loan, grant, or scholarship aid from federal, state, institutional, or other sources.

<strong>Scholarship</strong> – Financial assistance that is usually based on merit or ability and that does not have to be repaid.

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<strong>Interest rate</strong> – The maximum rate of interest that is charged on student loans is defined within federal statutes. In the FFEL Program, lenders often reduce the interest rate from the statutory maximum during the in-school or repayment periods for borrowers who pay on time or who meet specified eligibility requirements.
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conditionality (F3)<br />Lending to a debtor on condition that the loan is used for a specific purpose so that there is less risk of default in servicing the loan. It is argued that the INTERNATIONAL MONETARY FUND and WORLD BANK in making this stipulation make 'conditionality' a PUBLIC GOOD.
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Koopmans, Tjalling Charles, 191 0-84 (B3)<br />Dutch econometrician and economist who shared the NOBEL PRIZE FOR ECONOMICS with KANTOROVICH in 1975 for his work On LINEAR PROGRAMMING. Although educated in mathematics and physics at the Universities of Utrecht and Leiden, he turned to econometrics and economics when he worked at the League of Nations in Geneva from 1936 to 1940. Subsequently, he was at the COWLES COMMISSION, University of Chicago, from 1944 to 1955 and a professor at Chicago from 1946 to 1955 and then Yale from 1955 to 1984. His major contributions to activity analysis (operations research) were used to solve transport problems in the Second World War and during the 1948 Berlin airlift.<br /><em>Reference</em><br />Koopmans, T.C. (1937) Linear Regression of Economic Time Series, Haarlem: De Aerren F. Bohn.<br /> - (1957) Three Essays on the State of Economic Science, New York: McGrawHill.
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compensating wage differential (J3)<br />A differential in wages or salaries created to compensate for a poor job attribute, e.g. a health hazard or variability of earnings. Firms grant these differentials to enable them to retain staff in undesirable jobs and to recruit new workers.

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<strong>Accrued interest</strong> – Each day interest is calculated on the unpaid principal balance of a loan and increases (accrues). Interest accrues on a subsidized Stafford Loan after the grace period is completed and the borrower enters repayment. For unsubsidized Stafford, parent PLUS, and Grad PLUS Loans, on the other hand, interest begins to accrue after the first disbursement of the loan.

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Prime-1 (GO)<br />The top rating of creditworthiness of coMMERCIAL PAPER made by Moody's Investors Service.<br /><em>See also:</em> AAA
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<strong>Excel</strong> – A Microsoft spreadsheet software package. Reports available within MODEL Direct may be exported in a Microsoft Excel format.
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multimarket contact (L4)<br />Meetings between two large coNGLOMERATES in several markets. As this can lead to tacit co-operation to stabilize prices and market shares, it has attracted the attention of ANTITRUST regulators.

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

follow the narrow New York rule of having a single market-maker per stock. In 1987, there were forty in London, a much larger number than thought necessary.<br /><em>See also:</em> jobber; primary dealer
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activist (E6)<br />An economic policy adviser who believes in the use of discretionary monetary and fiscal instruments for fine-tuning the economy.
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community (PO)<br />A collectivity: a household, a neighbourhood, village, city, state, transnational interest group, in ascending order of size.<br /><em>See also:</em> communitarianism
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balance sheet (M4)<br />A statement of the assets and liabilities of a firm or other organization which possesses property. The assets show what the firm owns, and what the firm owes is indicated by its liabilities. For a bank, the management of its balance sheet from day to day is a central part of its business tasks.
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M3c (E4)<br />STERLING M3 plus private sector holdings of foreign currency bank deposits ('c' refers to the currency assets included).
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<strong>ISIR</strong> – Institutional Student Information Record, the electronic output record provided to the school by the CPS that includes information provided by the student on the FAFSA. The ISIR contains the student' s EFC and the results of federal database matches.

<strong>Direct lending, or direct loan</strong> – The William D. Ford Direct Loan Program, a federal student loan program through which the U.S. Department of Education loans money directly to students and parents rather than having the loans funded by private lenders, as in the case of the FFEL Program. Direct lending is codified in federal regulations within 34 CFR 685.
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