TAILIEUCHUNG - Research " FACTORING IN BRAZIL - AN INFORMATION ASYMMETRY APPROACH "

FACTORING IN BRAZIL - AN INFORMATION ASYMMETRY APPROACH It is worth noting that the relative magnitude of μ j may be quite modest. Family background variables typically explain the vast majority of the differences in average student test scores across schools, potentially leaving relatively little room for efficiency (or school value added ) Nevertheless, most observers believe that public school efficiency is important, that it exerts a non-trivial role on the educational outcomes of students, and that it varies substantially across schools | FACTORING IN BRAZIL - AN INFORMATION ASYMMETRY APPROACH BY CLECIO JOSE BORTONI DIAS Bach. Universidade de Brasilia 1993 . University of Illinois at Urbana-Champaign 1995 THESIS Submitted in partial fulfillment of the requirements for the degree of Doctor of Philosophy in Economics in the Graduate College of the University of Illinois at Urbana-Champaign 2001 Urbana Illinois UMI Number 3017068 _ _ _ R UMI UMI Microform 3017068 Copyright 2001 by Bell Howell Information and Learning Company. All rights reserved. This microform edition is protected against unauthorized copying under Title 17 United States Code. Bell Howell Information and Learning Company 300 North Zeeb Road . Box 1346 Ann Arbor Ml 48106-1346 UNIVERSITY OF ILLINOIS AT URBANA-CHAMPAIGN THE GRADUATE COLLEGE FEBRUARY 1999 date WE HEREBY RECOMMEND THAT THE THESIS BY CLECIO JOSE BORTONI DIAS CREDIT CARDS PRE-DATED CHECKS AND CONSUMER CREDIT IN BRAZIL - AN INFORMATION ASYMMETRY APPROACH BE ACCEPTED IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE DEGREE OF. DOCTOR OF PHILOSOPHY Director of Thesis Research Head of Department Committee on Final Examinationf Chairperson t Required for doctor s degree but not for master .

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