Many studies covering Self-Help Groups (SHGs) have delved extensively on their impacts on food security, livelihoods, socio-economic empowerment, and enterprise enhancement. However, little attention has been paid to the impact of SHGs on household assets acquisition. Traditionally, SHGs are formed by people (mainly women) who are not in formal…

Among many challenges that first-generation college students face, navigating how to balance the financial costs of college with covering monthly expenses can be particularly challenging. The present study uses the lens of person-in-environment theory to conceptualize how the financial attitudes, behaviors, and resources of first-generation…

Issues regarding the steadily rising cost of college education, especially among disadvantaged college students, have gained enormous attention among scholars due to the recent global financial crisis. This has led government and colleges to outline financial literacy empowerment initiatives. With an emphasis on financial literacy and education,…

It is an easily observed reality that the typical college/university student is extremely comfortable with the use of technology and particularly with the use of the Internet. The authors contend that this fact almost requires that instructors of finance classes incorporate the use of web-based financial resources into their in-class presentations…

Charter schools have always had difficulty finding affordable buildings. In response, charter school supporters have explored many policy and market approaches, ranging from strategies easing access to district facilities to increasing both public and private revenue options for facilities purposes. This paper, produced by the National Charter…

Firms in industry continue to be attracted by the benefits of Big Data Analytics. The benefits of Big Data Analytics projects may not be as evident as frequently indicated in the literature. The authors of the study evaluate factors in a customized methodology that may increase the benefits of Big Data Analytics projects. Evaluating firms in the…

This article uses a random digit dial probability sample (N = 328) to examine the relationship between credit card use behaviors and household well-being during a period of severe economic recession: The Great Recession. The ability to measure the role of credit card use during a period of recession provides unique insights to the study of credit…

In this perspectives brief, authors James Kvaal and Jessica Thompson explore the challenge of college affordability and summarize the campaign proposals to address it. Driven by steadily rising college costs and student debt, the 2020 presidential campaign has put the issues of college costs and student debt on the agenda as never before. Many…

Many worry that student loans are a drag on the economy, particularly the housing market. Analyses from the Federal Reserve Bank of New York, cited by leading economists, do not provide compelling evidence for this hypothesis. The New York Fed data contain no information about education. As a result, their analyses contrast the home ownership rate…

The authors modify the Dynamic Aggregate Demand-Dynamic Aggregate Supply model in Mankiw's widely used intermediate macroeconomics textbook to discuss monetary policy when the natural real interest rate is falling over time. Their results highlight a new role for the central bank's inflation target as a tool of macroeconomic stabilization. They…

The COVID-19 pandemic has re-emphasized the need to develop innovative solutions to unprecedented problems in health, education, and other sectors. The learning crisis in education is reaching catastrophic levels, the consequences of which are disproportionately felt in populations that are already marginalized. School closures, together with…

The federal student loan program is needlessly complex, fails to offer an effective safety net for borrowers in financial difficulty, and distributes the largest benefits to borrowers who need them the least. Worse, the safety net designed to support borrowers in financial difficulty, income-based repayment (IBR), has failed to meaningfully reduce…

This study explored the relationship between financial literacy and the use of interest-only mortgages using data from the 2009 National Financial Capability Study (NFCS). A series of analyses were conducted to investigate characteristics associated with the use of an interest-only mortgage as a primary mortgage, as compared to fixed-rate mortgage…

Now in its ninth year, the "2017 Student Financial Services Benchmarking Report" has become a key component in our efforts to help institutions compare their key financial indicators against national averages and self-selected institutional peer groups. This year's report provides the survey results of 397 institutions' student account…

Flem's economic reformation especially his replacement of credit business by cash business in Varner's Store in "The Hamlet" marked the social transition from a more traditional, closer and bonded community to a rather detached, rational and mechanical commercial society. The description in "The Hamlet" to a certain extent…