One of the hottest movements in banking right now is affinity credit cards. For banks, they mean a new source of credit customers. For institutions and alumni organizations, they can mean an easy, inexpensive way to keep the institutional name in front of alumni. (MLW)

Describes some of the problems for the individual inherent in the rapidly expanding computerized field of credit and banking. Proposes that electronic fund transfer systems could virtually replace the use of cash. Warns that while such systems offer wide advantages to business, they threaten the individual's privacy. (JMF)

Outlines the cash management program developed by the Orangeburg School District (SC) for the district's funds. They take bids from banks before deciding which bank to use for all their services, including an investment program. This new system has saved $30,000 in the first year. Sidebars tell how to shop for bank services and list technical…

Determined whether people could obtain outcomes on a complex task that would be in line with differential goal weights corresponding to different aspects of the task. Bank lending officers were run through lender-simulation exercises. Five performance goals were weighted. Demonstrated effectiveness of goal setting with complex tasks, using group…

This document, which is intended for high school business teachers, outlines the plan for a course in which students gain hands-on experience in operating a bank in which students actually deposit money. The document begins with a brief course description, rationale, and list of 11 course objectives. Presented next is background information about…

The Community Reinvestment Act (CRA) is designed to encourage banks and thrifts to meet the financial credit and service needs of low- and moderate-income neighborhoods, requiring that lenders use their private-sector resources to meet the financing needs of all communities in which lenders conduct business. This brief outlines several types of…

Electronic ground was broken in 1995 with the development of the completely Internet-based bank Security First Network Bank. This article discusses the need for developing online services, outlines the reasons for the formation of an Internet-based bank and argues that to remain competitive financial services providers must provide easier customer…

The Supplemental Loans for Students (SLS) program provides market-rate loans to postsecondary students. This report presents information on SLS loan volume and default data for the 10 largest SLS lenders from nine guaranty agencies, for fiscal years 1987, 1988, and 1989. Data for both proprietary and nonproprietary schools and for both freshmen…

The author points out the multifaceted aspects of the problems associated with rural women's need for money and financial services and outlines innovative schemes in this area such as the bank for the landless in Bangladesh, a savings and loan cooperative for market women in Nicaragua, and a savings development movement in Zimbabwe. (CT)

The rotating credit associations of Brooklyn, New York, are institutions which have been transplanted from the West Indies. The association is an alternative to the United States banking system and offers immigrants, illegal aliens, and permanent residents alike the opportunity to alternately save and borrow small sums of interest-free money. (JCD)

School districts can effect considerable savings by obtaining maximum banking services. A procedure is offered for choosing a bank depository based on services to be rendered. (Author/MLF)

In 1988, Joliet Junior College (JJC) initiated a Set-Aside Loan Pool, designed to provide entrepreneurs, who traditionally would not be able to obtain a small business loan because of a lack of equity, with an alternate source of funding. Ten financial institutions were contacted and asked for contributions to the Loan Pool. Over the next five…

Elements of an effective management program for colleges and universities are examined. Five basic purposes of an effective program of cash management are identified: developing accurate cash projections, managing cash receipts, controlling cash disbursements, establishing sound banking relationships, and investing funds. It is suggested that all…

COMMERCIAL BANKS ARE EXPECTED TO PLAY AN INCREASINGLY IMPORTANT ROLE IN THE EXTENSION OF CREDIT UNDER THE HIGHER EDUCATION ACT OF 1965, AND BANKERS' ASSOCIATIONS ARE ACTIVELY PARTICIPATING IN THE DEVELOPMENT OF THIS PROGRAM. HOWEVER, THE EXTENT OF COMMERCIAL BANK PARTICIPATION CANNOT BE ENTIRELY INSULATED FROM THE BROADER PROBLEMS ASSOCIATED WITH…