State Goals For Education

The present Government has declared:
The intellectual potential of our nation is the main measure of the future real chances to acquire the education that corresponds to his/her abilities, interests and efforts. The geopolitical situation of Latvia (limited resources of raw materials and energy) determines, that the main factors ensuring Latvia's competitive abilities are and will be highly qualified and educated inhabitants and a scientifically and intellectually capacious national economy, which is based on low consumption of material resources.
The intellectual potential of our nation is the main measure of the future real chances to acquire the education that corresponds to his/her abilities, interests and efforts. The geopolitical situation of Latvia (limited resources of raw materials and energy) determines, that the main factors ensuring Latvia's competitive abilities are and will be highly qualified and educated inhabitants and a scientifically and intellectually capacious national economy, which is based on low consumption of material resources.
The Education Act of 1991 states:
- Republic of Latvia Residents have the right to an education. This right is guaranteed by the State and the local governments through the realization and development of a continuous educational system, through the creation of conditions and motivations to an education, an improvement in qualifications and for self-education.
- Republic of Latvia Residents have equal rights to acquire an education irrespective to their social and material status, race, nationality, sex, membership in religious or political organization, occupation and place of residence; the education system is united, continuous and diverse, thereby enabling the feasibility to acquire the highest education possible, education and upbringing has a human and morale character.
- The principal goal of education is to provide conditions for development and perfection of ones spiritual, creative, physical and professional abilities.
- The right to acquire an education in the official State language is guaranteed in the Republic of Latvia. The right to an education in ones native language, in accordance with the Language Law, and the respective guarantees are also available to residents of other nationalities living within the State. The State creates conditions for the realization of this right. It is mandatory to acquire the official state language (Latvian) an all educational institutions existing under the jurisdiction of the Republic of Latvia, regardless of this institution's language of instruction and irrespective to its departmental subordination.
Primary and secondary education is completely state
-funded. According to the Education Act of 1991, a yearly tuition fee is set
for higher education which is completely or partly covered from the State
budget.
Funding of Education

Primary and secondary education is completely state-funded,
including both Latvian schools and the schools of national minorities - there
are many schools with Russian as a language of instruction but there are also
some Polish, Estonian, Lithuanian and Jewish schools.
According to the Education Act of 1991, a yearly tuition fee
is set for higher education which is completely or partly covered from the
State budget. In practice, until now practically all study programs in State
higher education institutions are state-financed.
As there is numerus clausus in the
higher education of Latvia, tuition fee can be applied to these students who
meet the entrance requirements of the program but fail to be admitted to the
state-financed places in the most popular specialties (which, at the moment are
economics and business administration, law, foreign languages) and express a
wish to study covering tuition fees themselves.
Successive students receive a grant of 10-15 Ls/month.
It is foreseen that a tuition fee will be gradually
introduced for all the students and a system of study loans will be created at
the same time. Since Latvia was incorporated into the Soviet Union in 1940, its
educational system was changed to the Soviet one in the post-war period.
Soviet educational system existed in Latvia until the
beginning of 1990. Under the Soviet system most of the children attended
kindergartens, the full period of secondary schooling used to be 11 years in
Latvian schools and 10 years in Russian schools, higher education used to be 5
years long (except medicine, where it took 6 years) and leaded to a diploma in
a given specialty. According to the traditional Soviet centralism, the programs
of both secondary and higher education were strictly determined and uniform.
The duration of schooling was expanded already at the end of Soviet period (in
1986), the duration of secondary schooling in Latvia was changed from 11 to 12
years in Latvian schools and from 10 years to 11 years in Russian schools. It
became 12 years for all schools in Latvia regardless the language of
instruction after re-gaining independence in 1991.
Since re-gaining of independence, the educational system in
Latvia is regulated by the Education Act, adopted in 1991. It was one of the
first laws adopted after Latvia's re-establishment as an independent country.
It allowed plenty of positive changes in the educational system. However, one
of the first legislative acts of the independent country has several
disadvantages, therefore a new Education act is currently being prepared and
its adoption is foreseen in 1995. As well, a draft Higher Education Act is
already prepared and is currently being discussed among the academic public and
government officials.
The most important changes introduced by the 1991 Education
Act were
- dividing the upper secondary school subjects into compulsory and elective ones ;
- giving autonomy to higher education institutions;
- opening opportunities to establish private education institutions at all levels.
Marking System

Two marking systems exist in Latvia's education:
Traditionally 5-grade marking
system
that has been used in Latvia and it is
still the main one in higher education, whereas secondary education has
recently switched from the 5-grade marking system to
10-grade system.
Meanings of
Marks

in the 5-grade system
Mark
|
Meaning in
Latvian
|
Meaning in
English
|
5
|
teicami
|
excellent
|
4
|
labi
|
good
|
3
|
apmierinosi (viduveji)
|
satisfactory (fair)
|
2
|
neapmierinosi
|
unsatisfactory
|
1
|
loti vaji
|
totally unsatisfactory (used very seldom)
|

In the 10-grade system
Mark
|
Meaning
|
Comments
|
10
|
izcili
(with distinction) |
more than 5 in the 5-grade scale. Mark 10 means that the
knowledge of student is substantially higher than an estimated normal level
of the appropriate age group
|
9
|
teicami excellent
|
more than 5 in the 5-grade scale, as well. Mark 9 means
that the knowledge of student is higher than an estimated normal level of the
appropriate age group
|
8
|
loti labi
very good |
approximately equivalent to 5 in the 5-grade scale.
Awarded to these students whose knowledge corresponds to the highest expected
level for the appropriate age group.
|
7
|
labi good
|
approximately 4 in the 5-grade scale. Mark 7 is awarded if
the student has achieved the subject deeply and with understanding, is
progressing within the expected limits for the appropriate age group, but
makes minor mistakes.
|
6
|
gandriz labi
almost good |
somewhat like 3+ or 4- in the 5-grade scale. Mark 6 is
awarded to these students which are progressing within their age group
limits, but are more reproducing the material than actively using it and make
more substantial mistakes.
|
5
|
viduveji satisfactory
|
3 in the 5-grade scale. Awarded to students, which are
progressing within the limits of their individual abilities, in general are
not behind the appropriate age group, but make substantial mistakes and are
more fixing the facts then analyzing them.
|
4
|
gandriz viduveji
almost satisfactory |
the very last positive grade. Might be awarded to students
who do their best but still make severe mistakes and are practically just
reproducing most of the necessary material.
|
3-1
|
neapmierinosi unsatisfactory
|
different levels of marks for students whose record is
below the expected for the appropriate age group.
|
Pre-school provision

According to the new concepts the leading role in the
pre-school education is given back to the families instead of kindergartens.
The number of kindergartens has quickly grown smaller after re-gaining of
independence - in 1991 there were 1123 kindergartens in Latvia and 112261
children attended them, whereas in 1994 the number of kindergartens was only
647 with 60521 children attending.
Kindergartens plan their activities based on the child care
and education programs approved by the Ministry of Education and Science.
Parents who take care for their children at home have the
opportunity to take their children to playgroups for a couple of hours a day
where children are prepared for learning at school.
School Education
Regular school year (except examination periods at grades
9 and 12) lasts 36 weeks from the beginning of September till the end of May.
Basic Education

The basic education lasts 9 years (4 years of sakumskola - primary school plus 5 years of pamatskola - basic or lower secondary) and is uniform
throughout the country.
According to the legislation, children start attending
school at 6 to 7 years of age, the minimum compulsory duration of schooling is
until completion of 9-year basic school or until the age of 15 is reached.
The main choice after completing 9-year pamatizglitiba
is between the general secondary, vocational secondary or specialized secondary
education, see scheme.
General Secondary Education

The names of general secondary education institutions in
Latvia typically are:
- vidusskola (direct transl. - middle school) - the most common name of a general secondary education institution.
- gimnazija (gymnasium) - a slightly more prestigious secondary school, which may be specialized in a given group of subjects, e.g. mathematics, physics and computer science, chemistry and biology, languages, humanities, etc. and usually has no instruction below grade 6.
However, no formal differences exist between a vidusskola and a gimnazija.

Compulsory and Elective Subjects. Basic and Advanced
Curriculum
General secondary education includes studies of at least 12
subjects - 5 compulsory and at least 7 elective. The 5 compulsory subjects are:
- Latvian language and literature,
- Mathematics,
- Foreign language,
- History,
- Physical culture and sports.
The 7 elective subjects are chosen from the following ones:
- physics,
- chemistry,
- biology,
- computer science and information,
- economic geography and basics of business,
- technical drawing,
- visual arts,
- housekeeping,
- second foreign language,
- human, nature and society,
- music,
- history of culture,
- history of religion,
- amateur performances,
- other subjects offered by school (and accepted by the Ministry of Education and Science).
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Two different curricula
- basic (pamatkurss)
- advanced (profilkurss)
exist in each subject. Out of the 12 subjects, advanced
curriculum (profilkurss) has to be chosen in at least 2.
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To be awarded a certificate of general
secondary education (atestats par visparejo videjo izglitibu)
one has to
- complete the courses of all the 5 compulsory and at least 7 elective subjects;
- successfully pass 5 school leaving examinations, including:
1.
2 examinations in compulsory subjects (Latvian
language and literature and another examination which is set nationally each
year),
2.
3 examinations according to a free choice of the
student.
1 out of these 5 examinations
must be chosen at advanced level of the appropriate subject.
The certificate of general secondary education is
accompanied by a list of marks which contains final marks in all at least 12
subjects taken and all the 5 examination marks. Level of the subject course is
noted as
- profilkurss - advanced or
- pamatkurss - basic course.
All holders of general secondary education certificate are
eligible for admission to higher education.
Vocational Education

Institutions
of Vocational Education and Access to Higher Education
Name of school type in
Latvian
|
English
translation
|
Admission
requirements
|
duration of
studies years
|
general
secondary education (yes/no)
|
arodpamatskola
|
vocational basic school
|
9-year education may be incomplete
|
2
|
no
|
arodvidusskola
|
vocational secondary school
|
9-year education
|
3
|
no
|
arodgimnazija
|
vocational gymnasium
|
9-year education
|
4
|
yes
|
arodskola
|
vocational school (postsecond.)
|
general secondary education
|
1-2
|
no
|
As it is seen from the table, just one type of vocational
schools - 4-year vocational schools - concurrently to vocational training
provide general secondary education and, consequently, access to higher
education.
Secondary Specialized Education

Secondary specialized education institutions have curricula
for both
- holders of 9-year basic education certificate (atestâts par pamatizglìtìbu)- curriculum is 4 to 5 years long and concurrently provides general secondary education;
- holders of certificate of general secondary education, curriculum is 2 to 3 years long and mainly includes professional training.
Thus, regardless of the curriculum type, holders of diploma
of specialized secondary education are eligible to enter higher education
institutions.
Specialized secondary education institutions may be
- technical,
- music,
- art,
- nursing schools and else.
These schools may usually have names tehnikums,
or koledza (college), but these having name koledza are renamed recently and one can still meet the
older names such as muzikas vidusskola (music
secondary school), makslas vidusskola (art secondary
school), medicinas skola (nursing schools, direct
transl. medical school).
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The fate of the institutions of specialized secondary
education, particularly their programs for holders of general secondary school
certificate, is currently under question. Studies in these programs last 2-3
years after completion of general secondary schooling and are often high-level,
therefore this kind of specialized secondary education could be compared to the
"short-term non-university higher education" which is known in
several European countries. At least, it seems that in this case one could
speak about tertiary or post-secondary qualifications (such understandings dont
exist in the current legislation of Latvia).
Access To Higher Education

In principle, access to higher education is general for all
holders of general secondary education certificates. However, the institutions
of higher education are free to determine which of the elective subjects must
have been taken by the applicant at the secondary school in order to become
eligible for admission to a chosen program.
There are no fixed all-Latvian rules determining the
admission system and it may differ between different institutions and even
between different faculties of the same institution of higher education.
The main forms of admission procedure may be as follows:
- 1 to 4 competitive entrance examinations;
- a competition of diplomas plus an interview by the Admission board, which may include general questions in subjects important to the chosen specialty;
- just a competition of diplomas (usually judging by the marks in subjects important to the chosen program and/or average mark in the secondary school certificate);
- knowledge of Latvian language is evaluated in these cases when the applicant has not had Latvian as the language of instruction in secondary school.
An admission board consisting of staff members is formed in
all higher educational institutions to carry out admission procedures in
accordance with conditions announced at least 5 months before.
Higher Education

In 1994 in Latvia 33,665 students studied in higher
education programs. The percentage of students in the age group 19-24 was
14.5%. One has to be careful when interpreting these
statistical data. The students of post-secondary programs of specialized
secondary education are not included in these statistical data. In many
countries this kind of education is treated as short-term non-university higher
education, tertiary education, etc.
The institutions of higher education provide academic and/or
profesional higher education.
Akademiska augstaka izglitiba -
Academic higher educaiton is understood as a general higher education based
upon fundamental and/or applied science. Academic education can be (and in most
cases is) divided into two stages. A student has to perform a thesis of a research
work at the end of each stage.
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First degree
An academic degree and a diploma of Bakalaurs
(translated into English as Bachelor of Science) can be awarded after
successive completion of the first stage.
Degree Bakalaurs is an
intermediate degree and can be treated as a completed higher education only in
these cases when duration of program is 4+ years. However, part of the students
leave universities having a Bakalaurs degree and find
their gap in the labor market.
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Second degree
Academic degree of Magistrs
(translated into English as Master of Science) and the appropriate diploma is
awarded after the second stage of academic education and should be treated as a
complete university-type higher education.
Degree Magistrs or a degree
equivalent to it (e.g. medical studies are of a level of maåistrs degree but
name of degree maåistrs is not applicable) can be awarded after total duration
of 5-7 years of university studies. Degree Magistrs (or
equivalent) is required for admission to doctoral studies.
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Higher degrees
There are two of doctoral degrees in Latvia
doktors which is comparable to degree of
Ph.D.
Holders of degree Magistrs are eligible
for doctoral studies and the degree doktors is expected to be achieved in a 3-4
year period of full-time doctoral studies after a public defense of doctoral
thesis.
habilitets doktors
Degree habilitets doktors is awarded after defense
of habilitation thesis which is usually a short summary of several important
scientific and/or pedagogical publications or a monograph, written after
defense of the first doctoral dissertation.
Doctoral degrees are awarded by specialized councils
- promocijas padome (promotion council) - awarding the degree doktors only
- habilitacijas padome (habilitation council) awarding both doctoral degrees.
The regulations for awarding of doctoral degrees are set and
the promotion and habilitation councils are appointed by Latvijas Zinâtnes
Padome (Latvian Science Council).
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Profesionala augstaka izglitiba
- Higher professional education is a higher education based upon
applied science. It provides knowledge and skills for professional activities.
Acquirement of the programs of professional studies can take
place independently of academic studies, concurrently to or after them.
Non-university type higher education institutions offer
higher professional education programs leading directly to professional
qualifications. To be treated as a completed higher education, the duration of
professional studies has to be not less than 4 years.
University-type higher education institutions may offer 1-2
year programs leading to professional qualification after achieving of degree
bakalaurs.
Development of higher education programs
Higher education study programs are worked out by the higher education institutions since the 1991 Education Act provided a broad autonomy to the higher education institutions. Thus, a study program of a higher education institution is usually worked out by the appropriate department (faculty) and then approved by the main decision-making body of the higher education institution which is usually called Senate.
Higher education study programs are worked out by the higher education institutions since the 1991 Education Act provided a broad autonomy to the higher education institutions. Thus, a study program of a higher education institution is usually worked out by the appropriate department (faculty) and then approved by the main decision-making body of the higher education institution which is usually called Senate.
Presently around 300 different study programs at
undergraduate and graduate levels exist in the State recognized institutions.
Because of the autonomy of institutions to decide about their programs, there
is no uniform length of programs throughout the country. Thus, duration of a
program leading to a degree of Bakalaurs may vary
from 3 years to 4.5 years in different institutions.
A quality assessment process resulting in State
accreditation of all the study programs is under development. It will begin
after the Law on Higher education institutions will be adopted by the Saeima.
A tendency to work out a little more uniform higher
education system is felt in all the three Baltic states. According to the
Declaration on Cooperation in Quality Assurance of Higher Education in the
Baltic States, which was signed by the ministers of education of the Baltic
states on October 25, 1994, the quality assessment in all the three Baltic
states is going to be carried out using international peers and the results of
quality assessment will be published in all the Baltic region. However the
binding decisions on accreditation of higher education institutions and their
study programs will be left to national quality assurance bodies which are
currently being established in each Baltic state.
Qualifications Awarded
Qualifications Awarded in Latvia's Secondary Education

The institutions of general secondary education award
certificates of general secondary education - atestats par
visparejo izglitibu.
The institutions of vocational secondary education award
diplomas of vocational education of a given level:
- diploms par arodpamatizglitibu - diploma of basic vocational education,
- diploms par videjo arodizglitibu - diploma of secondary vocational education.
If general secondary education is achieved concurrently to
secondary vocational education, no separate certificate is issued but an entry iegustot visparejo videjo izglitibu is written into the
diploma. Name of the appropriate profession is added.
The institutions of specialized secondary education award
diplomas where it is stated that the holder has achieved a given professional
qualification plus general secondary education.
Qualifications Awarded in Latvia's Higher Education

1.
qualifications in academic higher education
Degree
|
Level
|
Comments
|
bakalaurs (bachelor)
|
intermediate (undergraduate)
|
degree bakalaurs is treated as a completed higher
education if the duration of program is 4+ years.
The degree bakalaurs is awarded in:
|
magistrs (master)
|
graduate
|
Awarded in: -see all the same fields in which the degree
bakalaurs is awarded plus veterinary medicine.
|
doktors (doctor, Ph.D.)
|
post-graduate (doctoral)
|
awarded in the following fields of science:
1.Agriculture 9.Forestry 18.Pharmacy
2.Architecture 10.Geography 19.Philosophy
3.Art 11.Geology 20.Physics
4.Biology 12.History 21.Political sci.
5.Chemistry 13.Law
22.Psychology
6.Computer sci. 14.Linguistics 23.Sociology
7.Economics 15.Mathematics 24.Theology
8.Engineering 16.Medicine 25.Veterinary
17.Pedagogics
|
habilitets doktors (habilited
doctor)
|
post-doctoral (second doctoral)
|
awarded in the same fields of science as the degree doktors.
|
2. Qualifications in professional higher education
Name of qualification
|
Comments
|
agronoms agronomer
|
undergraduate qualification
|
arsts physician
|
graduate qualification, equal level to degree magistrs, eligible for doctoral studies
|
ekonomists economist
|
undergraduate qualification
|
farmaceits pharmacist
|
graduate qualification, equal level to degree magistrs, eligible for doctoral studies
|
inzenieris engineer
|
can be either:
- a graduate qualification awarded after completing of the bakalaurs program in engineering plus 1.5-2 years of professional studies or - a qualification awarded after 4 years of professional studies without academic education. |
izpilditajmakslinieks performing
artist
|
a qualification awarded after professional studies in
music specialties. Name of specialty added to the name of qualification.
|
makslinieks artist
|
a qualification awarded after professional studies in art
specialties. Name of specialty added to the name of qualification.
|
praktiskais inzenieris practical
engineer
|
a qualification awarded after completing specially
designed 3-year engineering programs at universities for those having
specialized secondary education in engineering.
|
socialais darbinieks social
worker
|
undergraduate qualification
|
skolotajs teacher
|
may be awarded in different cases:
- to those who have taken courses in pedagogics concurrently to their studies in academic programs of bakalaurs and magistrs - to those who have taken a professional teacher training program, - to those who take a teachers training program after already having a higher education in a given field. Name(s) of subject(s) to teach in school are given after the name of qualification. If the qualification allows to teach in a certain grades of school only, it is also added to the qualification, e.g. teacher of mathematics in grades 1-4. |
stomatologs dentist
|
graduate qualification, equal level to degree magistrs, eligible for doctoral studies
|
tehnologs technologist
|
undergraduate professional qualification, in some cases a bakalaurs degree in agriculture or engineering can be
achieved concurrently.
|
veterinararsts
|
a professional qualification eligible for admission to
studies in the program of magistrs.
|
Institutions of Higher Education

The quality assessment/accreditation process in Latvia is at
its initial stage and the draft rules of accreditation are still a subject of
discussion. For this reason one can not divide the institutions into accredited
an non-accredited ones yet.
According to the Education Act the only way how to strictly
judge about State recognition of an institution is to look whether the Statute
(Satversme in Latvian) of the institution is approved
by the State. However, it is not always quite correct to treat an institution
as non-recognized by the State before its Statute is approved by the State. For
instance, there are several recently established State-founded and
State-financed institutions, which can be ready for complete accreditation
procedure in a couple of years and which therefore dont have a State approved
Statute, but still the State as the founder takes the responsibility for the
quality of education.
Part of the state higher institutions,
such as all the institutions bearing the name of University, Medical, Art and
Music Academies and several others are traditional well-established
institutions.
Some others, such as Riga Pedagogical Higher School, Rezekne
Higher School and some more are recently established State-founded and
State-financed institutions, which may have a State approved statute or not,
but which are on their way to meet accreditation standards. The State as the
founder has to take responsibility on the quality of education in these
institutions and therefore the institutions are to some extent
"unofficially recognized" by the State.
Names and number of students in state higher
education institutions of Latvia
Institution
|
Number of
Students
|
1994 admission
|
||||
|
Full-time day
|
Extra-mural
|
Total
|
Full-time day
|
Extra-mural
|
Total
|
1. University of Latvia
|
6204
|
3657*
|
9851
|
1639
|
585
|
2224
|
2. Riga Technical University
|
5452
|
1027*
|
6479
|
2403
|
127
|
2530
|
3. Latvia University of Agriculture
|
2846
|
1442
|
4288
|
800
|
262
|
1062
|
4. Latvian Academy of Medicine
|
1973
|
-
|
1973
|
199
|
-
|
199
|
5. Daugavpils Pedagogical University
|
1739
|
361
|
2100
|
496
|
50
|
546
|
6. Riga Aviation University
|
2312
|
248
|
2560
|
625
|
97
|
722
|
7. Liepaja Pedagogical Higher School
|
980
|
401
|
1381
|
269
|
-
|
269
|
8. Latvian Academy of Sports Pedag.
|
626
|
300
|
926
|
190
|
92
|
282
|
9. Latvian Maritime Academy
|
274
|
96
|
370
|
109
|
9
|
118
|
10. Police Academy of Latvia.
|
114
|
66
|
180
|
110
|
10
|
120
|
11. National Academy of Defense
|
175
|
-
|
175
|
117
|
-
|
117
|
12. Rezekne Higher School
|
622
|
139
|
761
|
250
|
56
|
306
|
13. Latvia Academy of Culture
|
348
|
17
|
365
|
106
|
9
|
115
|
14. J.Vitols Latvian Academy of Music
|
360
|
-
|
360
|
101
|
-
|
101
|
15. Latvian Academy of Arts
|
537
|
3
|
540
|
107
|
-
|
107
|
16. Stockholm School of Economics in Riga
|
56
|
-
|
56
|
56
|
-
|
56
|
17. Riga Pedagogical Higher School
|
1116
|
184
|
1300
|
255
|
184
|
439
|
Total:
|
25734
|
-
|
33665
|
7832
|
-
|
9313
|
*including the remaining evening students
Stockholm School of Economics in Riga is a special case - it
was founded by an agreement between the governments of Sweden and Latvia and is
financed from the budgets of both states. The tuition in this School will be
almost exclusively carried out by the staff members of the Stockholm School of
Economics and a gradual overtake by a Latvian staff is foreseen in an
approximately 10-year long period.
Private higher
education institutions
The 1991 Education Act allowed to establish private higher
education institutions. Since then a dozen of private institutions have taken a
license to begin higher education activities (such a license does not mean any
State recognition), mainly in the fields of business, psychology and religion.
The total number of students in the private institutions is estimated around
3000.
Most of the private institutions do not have strong sources
of funding behind, all their income consists of tuition fees, therefore the
private institutions share common problems - very little permanent staff, very
little or no own libraries, no research carried out by the staff and
consequently, by students, etc.
Main part of tuition in most of the private institutions is
carried out by the academic staff of the State universities employed on
part-time basis, therefore the quality of tuition is not necessarily low. There
is even an opinion that these small private institutions might sometimes be
more flexible in curriculum development. Because of the problems mentioned
above, the quality assessment of these institutions can not be expected as an
immediate act but rather as a long-term process. However, before accreditation
of the licensed private institutions and their study programs the State can not
take any responsibility on the quality of education in these instituions.
Hello Everybody,
AtbildētDzēstMy name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.
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3. Address and Location:…….
4. Amount in request………..
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6. Purpose Of Loan………….
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11.Monthly Income…………..
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Email Kindly Contact: urgentloan22@gmail.com