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Willingness to Pay Student Insurance as a Primary Plan Among Eastern Illinois University Students
George Anaman
Abstract
Selecting ideal health insurance coverage entails a trade-off between the gain from risk reduction and the deadweight loss from moral hazard (Manning and Marquis, 1996). This paper investigates students’ willingness to pay for student health insurance which will serve as a primary plan. Variables such as demographics, student insurance enrollment and coverage, student insurance utilization and satisfaction were used to assess students’ Willingness to pay for student insurance as a primary plan. Both qualitative and quantitative statistics were used to explain the willingness of students to pay for student insurance as a primary plan.
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Social Studies/History Curricula in Ghana
Razak Dwomoh
Abstract
This research will examine how social studies developed within the curricula within Ghana. I will report this in USA and juxtapose with Ghana and other post-colonial African countries. The study assesses the quantity of the content of history as it is merged with social studies curricula, its implications on students, economy, and educational sectors in Ghana. It is noted that majority of students at tertiary levels in Ghana would find it difficult to give detail information about Ghana’s history and Ghana’s historical place in the world when probed. Six post-colonial African countries’ social studies/history curricula are examined on the content and pedagogy employed in teaching, which is a reflection of that of Ghana, as only Nigeria from the six African countries, has re-introduced history as a core subject in the primary and secondary schools. Ghana’s curricula is contextualized with U.S curricula, as U.S has moved into closer cadence with the world in terms of balancing content instruction with the nurturing of historical thinking and historical consciousness. The foundations of social studies originated in Great Britain during the 1820s and quickly moved to United States. Social studies evolved during the era under examination to include history and the social sciences, and a more integrated, relevant approach to teaching those subjects. In post-colonial African countries, it was introduced by the British and subjects taught in schools reflected the taste of the colonial education officials, and school curricula were built around the existing colonial values.
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Representation of the Titanic in Children’s Literature
Charity Huwe
Abstract
The sailing of the Titanic and its shocking demise intrigue readers to research more information. Written in young adult literature through various viewpoints, the Titanic’s story has a natural inquiry base due to its uncertainty. Trade books in the elementary classroom are increasing in use due to the state and national initiatives encouragement in using diverse texts. By using these texts, teachers allow students to analyze the various representations given to the Titanic’s history. In the subsequent sections, I review history-based curricula and historical significance of the Titanic. The methods of implementation are projected to inform teachers about the various selection of supplemental classroom resources.
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Competition and Concentration in Banking Sector: Evidence from Bangladesh
Junnatun Naym
Abstract
Considering the significance of competition and concentration in pricing, efficiency, productivity and stability of banking sector, this paper has explored the competitive behavior and concentration level in the banking sector of Bangladesh considering 20 commercial banks for the period of 2004-2013. The level of competition has been tested using the Panzar and Rosse model while the level of concentration has been analyzed using concentration indices and the Herfindahl-Hirschman indices in terms of assets, loans, and deposits. The findings point to a non-concentrated market with monopolistic competition in the banking sector of Bangladesh. This paper contributes to the understanding of competition and concentration level in the banking sector of a developing country like Bangladesh along with important policy implications for economists, business strategists, bank management, regulators and other stakeholders.
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THE IMPACT OF REAL INTEREST RATE ON REAL EXCHANGE RATE: EMPIRICAL EVIDENCE FROM JAPAN
Tomiwa Shodipe
Abstract
This paper examines the impact of real interest rate on the real exchange rate in Japan using Two Stage Least Square econometric techniques. The two instruments used are money supply and gross domestic product growth rates. The result provides support for the theoretical and empirical evidences of positive relationship between real interest rate and real exchange rate in Japan. The estimation also shows that there is positive relation between trade and Japanese Yen over the period considered in the study. In light of these findings, the study suggests the adoption of fiscal macroeconomic policy instruments that are capable of achieving the inflation-economic growth target rather than monetary policy instrument which has consistently failed over the two decades. As the result indicates, continuous lowering of this monetary policy rate will cause Yen to lose its competiveness by the time all economies (at the least, its competitors) fully adjust and agents are well sensitive to higher returns on their investments.
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International Debt Impact on the Value of South Korean Currency
Wonjin Song
Abstract
This paper will analyze how international debt for South Korea affected the value of Korean currency from 1983 to 2014 by using the Ordinary Least Square model. The result is that international debt for South Korea had a clear influence on the value of Korean Won. The exchange rate of Korean currency per US dollar moves the same direction as amounts of international debt. In other words, as the Korean Won depreciates, more Won must be spent to purchase U.S dollars. That is, Korean currency depreciates when amounts of international debt increase. As the result, Korea has not yet reached the stage of having a developed and stable economy. In order to improve Korea's economy, the structure of Korean economy should not rely on capital from abroad. Korea has to develop its own economy based on its main industries, such as a technology-intensive industry or human capital rather than the high dependence on international debt.
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