Annette Tomal, Ph.D.

Associate Professor of Business and Economics
On Faculty since 1995

Phone: (630)752-7058


Ph.D. - Economics University of Illinois - Chicago - 1995

C.P.A. - 2003 

M.B.A. Bowling Green State University 

M.A. - Business Education, Ball State University 

B.S. - Business Education/Administration, Ball State University

About Annette Tomal

Dr. Tomal previously taught at Bowling Green State University and Purdue University North Central. She and her husband also owned and managed a medical clinic and medical equipment company.

Recent activities include teaching a summer term at Lithuania Christian College, providing accounting services for Christian nonprofit organizations; and consulting with area companies on statistical projects.

Dr. Tomal and her husband have three children. She enjoys marathons and international travel.

Courses Taught

  • Microeconomic Principles
  • Accounting
  • Statistics
  • Consumer Finance

Membership in Professional Societies

  • Association of Christian Economists (ACE)
  • Christian Business Faculty Association (CBFA)
  • American Economics Association (AEA)
  • Midwest Economics Association (MEA)
  • Illinois CPA Society (ICPAS)
  • Illinois Economics Association (IEA)


Current research is focused on gender and/or Christian differences in a variety of areas - informal sector in developing economies, economic growth, academic competence/performance, and corporate life. Past research was in the area of health economics - determinants for abortion rates and hospital mortality rates.

Papers Published and/or Presented

  • "Religion and Female Educational Attainment." Journal of Money and Banking, Vol. 41, No.5 (August 2009), pp. 961-986, with Seth Norton.
  • "Earnings Determinants for Self-Employed Women and Men in the Informal Economy: the Case of Bogota, Columbia." International Social Science Review , Vol. 83, 2008. With Lacey Johnson.
  • "The Chilly Classroom: Beyond Gender. " College Teaching (Summer 2006), pp. 263-270. With Edee Schultze.
  • "Perceptions of Gender Competence - Are Christian Colleges Different" Growth: Journal of the Association for Christians in Student Development 5 (Spring 2005), pp.4-15. With Edee Schulze.
  • "Religion and Female Educational Attainment: A Cross-National Study." The Association of Private Enterprise Education, Nassau , Bahamas, April 2004 , with Seth Norton.
  • "Entrepreneurs in a Developing Economy." The Association of Private Enterprise Education, Las Vegas, Nevada, April, 2003, with Lacey Johnson.
  • "How College Students View the Christian's Role in the Business World." CBFA (Christian Business Faculty Association), Boise, Idaho, October, 2002.
  • "Types and Levels of Religion Membership: A Partial Explanation of the Relationship between Parental Involvement Laws and Abortion Rates?" Eastern Economic Association, New York City, New York, Feburary, 2001.
  • "The Effect of Religious Membership on Teen Abortion Rates." Journal of Youth and Adolescence 30:1 (2001), pp. 103-116.
  • "Parental Involvement Laws, Religion, and Abortion Rates." Gender Issues 18:4 (Fall, 2000), pp.33-46.
  • "Parental Involvement Laws and Minor and Non-Minor Teen Abortion and Birth Rates." Journal of Family and Economic Issues 20:2 (Summer, 1999), pp.149-162.
  • "Determinants of Teenage Birth Rates as an Unpooled Sample." American Journal of Economics and Sociology 58:1 (January, 1999), pp.57-70.
  • "The Relationship between Hospital Mortality Rates, and Hospital, Market, and Patient Characteristics." Applied Economics 30 (1998), pp.717-725.
  • "Weaknesses of Economic Incentive systems for Quality Improvement." Journal of Technology Studies 11:1 (Winter/Spring 1995), pp.59-60. (with D. Tomal)
  • "Does Your Economic Incentive System Really Improve Quality?" Human Resource Development Quarterly 5:2 (Summer, 1994), pp.185-190. (with D. Tomal)
  • Every Parent's Nightmare: How to Find the Best Medical Care for Your Family. Grand Rapids: Zondervan, 1993. (with D. Tomal)