Fadwa Kalaji The Hashemite University   Department of Economics P.O. Box 150459 The Hashemite University, Zarqa, Jordan. Zarqa, Zarqa 13115 Jordan   Fadwa@hu.edu.jo   http://www.hu.edu.jo/           JEL Areas: E4 : Money and Interest Rates: General I3 : Welfare and Poverty: General