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federal funds rate (E5) The rate at which the member banks of the FEDERAL RESERVE SYSTEM trade reserves with each other. Banks with more reserves than required lend their surplus to other banks with a deficiency. Although this rate is determined by the demand for and supply of excess reserves in the banking system, the Federal Reserve can influence it. See also: prime rate of interest

MDHE Digest – The Missouri Department of Higher Education' s monthly electronic newsletter. To sign up for this publication, visit http://www.dhe.mo.gov/mdhedigest/signup.shtml.

Limitation – The continuation of a school' s eligibility to participate in the guarantor' s programs, subject to compliance with special conditions or restrictions established by the U.S. Department of Education or by the guarantor.

powers and acttvttles are defined in the statute or articles which set it up. It is the major way of organizing a large firm in many countries and hence is responsible for most industrial and commercial output of several national economies. As most large corporations, whether in the public or private sectors, are to a large extent controlled by their managers, many have asked to whom they are ultimately responsible. See also: managerial models of the firm; multinational corporation; public enterprise; transnational corporation
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Cost of Attendance (COA) – An estimate of a student' s total education-related expenses for an enrollment period.

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enterprise union (J5) A Japanese TRADE UNION covering all the workers below supervisor level within an enterprise or within an establishment of that enterprise. The union has its headquarters on company premises and is often run by company employees on secondment from their usual employment. This is the most important level of unionism in Japan as most of workers' contributions are spent at this level and vital wage bargaining is done. Often an enterprise union is given the task of allocating between types of worker the gross addition to the enterprise's wage bilL Although there were 72,605 unions by 1989, this does not imply a weak union movement as there is joint action through their national federations, the major ones having been RENGO, SOHYO, DOMEI, SHINSANBESU. Since 1948, statistics on Japanese unions have been produced by the Basic Survey on Trade Unions. See also: company union; local union

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development (01, 04) 1 The movement of an economy from agricultural activities using simple technology to the production of industrial products and a range of services using modern technology. (Even in the seventeenth century PETTY regarded development as the growth of serv1ce industries.) 2 The cumulative growth of per capita income, accompanied by structural and institutional changes. Although per capita income is a crude measure unless problems of measuring the GRoss DOMESTIC PRODUCT and its distribution are taken into account, this is often the best proxy measure. Post-1945 development policies have often failed to help the poorest 40 per cent of the world's population. Although many aid programmes have an urban bias, they have widely achieved lower rates of infant mortality, more hospital beds, an increased supply of piped water and the building of many all-season roads. See also: industrialization Reference Kitching, G. (1989) Development and Underdevelopment in Historical Perspective.

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using an indirect measure, e.g. an analysis of the time of a manager. See also: indivisibility
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DAA – Default Aversion Assistance, assistance provided to a lender by the guarantor in order to prevent a delinquent loan from defaulting. A lender must submit a DAA request (DAAR) to the MDHE when a borrower is more than 60 days delinquent on a student loan.

MDHE Digest – The Missouri Department of Higher Education' s monthly electronic newsletter. To sign up for this publication, visit http://www.dhe.mo.gov/mdhedigest/signup.shtml.

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SFY – State Fiscal Year, a period from July 1 through June 30 of the following calendar year for the state of Missouri.

Repayment start date – the date the repayment period begins. For Stafford Loans, the repayment period begins on the day following the last day of the grace period. For PLUS Loans, repayment begins on the date the loan is fully disbursed. (PLUS Loans are, however, eligible for an in-school deferment when the borrower is enrolled at least half time.)
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graduate tax (H2) A tax on the earnings of graduates imposed to recover the public expenditure incurred in financing college or university education. The tax is related to future earnings but there can be a 'tax holiday' covering the first few years of employment or until a threshold level of income has been reached. Proponents of the tax argue that it makes possible a greater expansion in the number of students; opponents assert that this increase in taxation will discourage participation in higher education.
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Discharge – The release of a borrower or any comaker from all or a portion of his or her loan obligation. Valid reasons for discharge include school closure, death, total and permanent disability, an unpaid refund by the school, or the school' s false certification of a FFEL Program loan.

decelerator (H3) A fiscal change, e.g. a cut in public expenditure or an increase in taxation, which counteracts the expansionary effects of the investment ACCELERATOR.
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