Financial Sustainability Among Higher Education Institutions in the United States

This article explores the challenges of financial sustainability faced by higher education institutions in the United States.Against a backdrop of stringent state and federal regulations coupled with a decline in financial support,institutions are grappling with a shifting landscape.The paper delves into the intricacies of state regulations and funding policies,highlighting their impact on educational establishments.Furthermore,strategies for financial sustainability,including student attraction and retention,are discussed.The article concludes by underscoring the duality of regulations as both challenges and essential resources,suggesting a potential shift towards greater autonomy and a reshaping of the educational landscape in response to modern challenges.

Does community-based health insurance affect lifestyle and timing of treatment seeking behavior?Evidence from Ethiopia

Objectives This paper aims to investigate the effects of enrollment in the Ethiopian community-based health insurance(CBHI)scheme on household preventive care activities and the timing of treatment-seeking behavior for illness symptoms.There is growing concern about the financial sustainability of CBHI schemes in developing countries.However,few empirical studies have identified potential contributors,including ex-ante and ex-post moral hazards.Methods We implement a household fixed-effect panel data regression model,drawing on three rounds of household survey data collected face to face in districts where CBHI scheme is operational and in districts where it is not operational in Ethiopia.Results The findings show that enrolment in CBHI does not significantly influence household behaviour regarding preventive care activities such as water treatment before drinking and handwashing before meals.However,CBHI significantly increases delay in treatment-seeking behaviour for diseases symptoms.Particularly,on average,we estimate about 4-6 h delay for malaria symptoms,a little above 4 h for tetanus,and 10-11 h for tuberculosis among the insured households.Conclusions While there is evidence that CBHI improve the utilization of outpatient or primary care services,our study suggests that insured members may wait longer before visiting health facilities.This delay could be partly due to moral hazard problems,as insured households,particularly those from rural areas,may consider the opportunity costs associated with visiting health facilities for minor symptoms.Overall,it is essential to identify the primary causes of delays in seeking medical services and implement appropriate interventions to encourage insured individuals to seek early medical attention.

ADDRESSING FINANCIAL OBJECTIONS TO SUSTAINABLE DESIGN AND CONSTRUCTION

We have the tools and the knowledge to create much healthier,economical,and ecologically responsible buildings at little or no incremental cost over that of conventional buildings.Unfortunately,both actual and perceived financial barriers are preventing widespread adoption of sustainable design,construction,and maintenance practices.Often organizations express a commitment to sustainable design and construction,but limit the actual implementation to only low-hanging fruit and ignore any significant investment.We need to be able to explain the benefits of sustainable design,construction,and facilities management in a more compelling fashion.In addition to talking about important features of green building,such as decreased use of energy,water,and other natural resources,we need to emphasize the benefits of green building in terms that resonate with key decision makers,such as higher net profits,increased asset values,enhanced image and reduced risk.This article provides useful information that could help you address some barriers to sustainable initiatives:•Every executive that you speak to is aware that data can be manipulated and may be skeptical of studies conducted by organizations that could benefit from a particular set of results.So I’ve included information on independent third-party studies.•In challenging economic times,people are particularly concerned about short-term cash flow.So I’ve included information on programs developed by the Building Owners and Management Association(BOMA)International to maximize asset values without sacrificing shorter-term profits.•Often people are risk-averse and feel more comfortable in the middle of the pack than on the cutting edge.So I’m including information on some potential risks of not going green,including decreased asset values and increased operating costs.Many aspects of sustainable design and construction are based upon proven technology and are being increasingly incorporated into best practices for the design and construction industries,which might lead to legal problems for those who do not include the more widely accepted sustainability measures in their projects.It can be difficult to find and navigate through existing incentives for energy efficiency.So I’m including information on a tool to help you find what initiatives are available and some expert advice on how to use this type of tool.•Often an executive may be far more concerned with the next quarter’s financial results than in the long-term profitability of an organization that he or she may very well not be working for in 20 years.Currently accepted financial accounting methods encourage this short-term focus.So I’m including information on the efforts of leaders in the finance sector to change accounting principles to accommodate considerations of long-term profitability.•Normally,people tend to accept the opinions of acknowledged leaders in their own fields.So I’m including examples of how sustainable initiatives are contributing to the bottom lines of several highly respected organizations.I’m also including information about efforts to create a globally accepted framework for accounting for sustainability that brings together financial,environmental,social,and governance information in a single integrated reporting format by a coalition including the Big Four accounting firms-PricewaterhouseCoopers,Deloitte Touche Tohmatsu,Ernst&Young and KPMG.

Economic Analysis of Microfinance： Evidence from China

China＇s evolutionary reform brought China economy enormous progress, which also subsided the poverty phenomenon. But the present anti-poverty task is still very arduous for China today. Peasant household＇s microfinance is a kind of important tool which contributes to the poverty alleviation. The sustainable development of microfinance has become a serous problem at present. This text analyses the sustainable development of microfinance through setting up the income model of microfinance, then puts forward the way to solve.