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informal economy (PO)<br />Part of an economy consisting of unrecorded and often illegal economic activities. In developing economies the informal sector is the subsistence agricultural sector, in developed economies subcontracting activities such as tailoring. The dynamic of this sector, springing from the avoidance of governmental regulation, produces well-known consequences - long hours, a disregard for safety, do-it-yourself activities and barter. Also known as the unofficial economy.<br /><em>See also:</em> black economy; time budget survey <br /><em>Reference</em><br />Alessandrini, S. and Dallago, B. (eds) (1987) The Unofficial Economy: Consequences and Perspectives in Different Economic Systems, Aldershot: Gower.<br /> Thomas, JJ. (1989) Informal Economic Activity, Hemet Hempstead: Philip Allan; Cambridge, MA: MIT Press.
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<strong>Header record</strong> – The beginning portion of a CommonLine file. The header record contains the source of the file (organization creating and sending the file) and the recipient organization. In CommonLine file specifications, the header record is documented as @H.
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<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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