*the views expressed here are those of the author and do not necessarily represent the views of the Federal reserve bank of Philadelphia or the Federal reserve system. you’ve probably heard of reverse mortgage loans. but even though these loans have been getting more attention in the media and in academia, it’s possible that you’re still not sure about what reverse mortgages really are.1 ost pe...

In 2006, Case Western Reserve University (Case) initiated the acquisition, customization, and implementation of a new student information system (SIS). The Case SIS Project was intended to integrate the capture and management of all student information and student‐facing administrative functions across the university's distinct schools. Key functions supported by the platform include admissions...

Organizational climate is a situation in an organization, where each member interacts with other, limits themselves, or other so as to improve the quality of cooperation and organizational satisfaction. satisfaction members organization regarding their work, supervision, wages profits, assessment achievements, peers. The purpose this study was determine relationship between communication dormit...

An encompassing model of a business loan contract with the bank is constructed to establish the roles and relative importance of asymmetry of information, market power, borrower (entrepreneurial) effort and quality in explaining contract features. Special cases of the model include symmetric versus asymmetric information regimes, competition versus monopoly power, adverse selection versus moral...

“Every Catholic Child in a Catholic School”: Historical Resistance to State Schooling, Contemporary Private Competition, and Student Achievement across Countries Nineteenth-Century Catholic doctrine strongly opposed state schooling. We show that countries with larger shares of Catholics in 1900 (but without a Catholic state religion) tend to have larger shares of privately operated schools even...