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By Afe Babalola



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Last anniversary I advised the accoutrement of the Apprenticeship Coffer and declared how the abortion of government led to the disability of the coffer to fulfil its accustomed road. I abundant how, attributable to the abnegation of the government to set up the Governing Board of the Bank, it was eventually run throughout its actuality by the Minister of Apprenticeship adverse to the accurate accoutrement of the Bank.



However, as declared in the Government White Paper on the advocacy of the Ministerial Committee, added factors abettor from government inactivity, contributed abundantly to the annihilation of the bank. Some of the allegation in this account are as follows:

Some of the findings



It is bright from the aloft that as has been the case with around annihilation Nigerian, the “Nigerian factor” was brought to buck on the Apprenticeship Bank. How abroad can one explain the application and advance of agents afterwards recourse to actual civilian civilian account rules and regulations?

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ASUU wants FG to accommodate with abutment to end strike

However admitting the articular flaws in the operation of the bank, and the resultant decision  of the government to wind it up, I abide of the confidence that as the affidavit abaft its enactment still exist, there is a allegation for government to revisit the affair of the Bank. Allotment of apprenticeship and decidedly the amount of apprenticeship is still a problem. At the moment, the Academic Agents Abutment of Universities (ASUU) has boarded on addition bang to columnist for the aforementioned demands of added allotment to the Universities. It is for this acumen that there allegation be renewed cerebration about another agency to armamentarium apprenticeship and one of the agency articular globally to aid acceptance in the accretion of apprenticeship is a loans scheme.

A student’s accommodation is advised to advice acceptance pay for university tuition, books and active expenses. This may be altered from added types of loans in that the amount is essentially lower than the accepted banking institutions and the claim agenda is deferred while the acceptance are still in school. Suffice to say that the laws allegorical such loans alter from country to country decidedly in the laws acclimation re-negotiation and bankruptcy.

Experiences in added climes

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In Australia for instance, tertiary apprenticeship is usually adjourned through the HECS-HELP arrangement which is in the anatomy of loans that are not accustomed debts and are paid over time via a added tax, application a sliding calibration based on taxable income.

The acceptation of this arrangement is that accommodation repayments are alone fabricated back the aloft acceptance accept accelerating and accept assets to abutment the repayments. The debt does not allure accustomed interest, but grows with CPI inflation.

In the United Kingdom, students’ loans are primarily provided by the state-owned Students’ Accommodation Company. But clashing what obtains in Australia, absorption begins to accumulate on anniversary accommodation as anon as the apprentice receives it, but claim is not appropriate until the alpha of the abutting tax year afterwards the apprentice either completes or abandons his education.

Since 1998 for example, claim has been calm by HMRC via the tax arrangement and are affected based on the borrower’s accepted akin of income. If the borrower’s assets is beneath a assertive beginning 15,000 British Pound Sterling per tax year for 2011/2012, 21,000 British Pound Sterling per tax year for 2012/2013, no repayments are required, admitting absorption continues to accumulate.

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In the United States of America, there are two types of students’ loans: federal loans sponsored by the federal government and clandestine loans which broadly includes state-affiliated non-profit institutional loans provided by schools. Absorption does not accumulate on subsidized loans while the acceptance are still in school. Students’ loans may be offered as allotment of a absolute banking aid amalgamation that may additionally accommodate grants, scholarships and/or assignment abstraction opportunities.

Korea has an built-in philosophy

The Korean acquaintance is not essentially altered from what has been discussed above. For instance, Korea’s students’ loans are managed by the Korea Acceptance Aid Foundation (KOSAF), an academy committed to aptitude agronomics in allegation of apprentice aid and accustomed in May 2009.

It is adorning to agenda that Korea has an built-in aesthetics that the country’s approaching depends on aptitude development and so no apprentice is acceptable to abdicate belief due to banking affidavit as a aftereffect of which Korea makes advised efforts to advice acceptance abound into talents that serve the nation and association as associates of the Korean society.

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Through the administration of Korea’s civic scholarship programmes, acceptance accommodation and aptitude development programmes, KOSAF offers customized students’ aid casework and students’ accommodation programme.

As the Apprenticeship Coffer has not been repealed, Govt allegation revisit it now

It is a aching adage that our abridgement has not been as advantageous as expected. It is accordingly no baby admiration that Nigeria has not been able to accomplish 37% of its assets to apprenticeship as recommended by UNESCO. As a amount of fact, added of the country’s assets accept been appropriately committed to defence because of the prevailing crisis in the country as a aftereffect of which apprenticeship is disproportionately adversity an underserved under-funding.

Endemic and cutting poverty

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There is ancient and cutting abjection all over the country and this is abundantly because the government spends a lot on added areas and decidedly as Nigeria depends on oil as its sole antecedent of income. For example, there are no industries and so there are no opportunities for application and it is industries that apply best acceptance advancing out of universities and not government.

But then, it allegation be accepted that affection apprenticeship requires acceptable schools, acceptable and able-bodied able laboratories, acceptable equipment, awful able and committed agents to pave way for able apprenticeship that can alone appear to the ahead area talents are agilely harnessed.

It is applicative to say that government should be able to accommodate these accessories alike if acceptance accept to pay academy fees to ensure a able aliment of these facilities. Consequently, government needs to accept a academy fee-paying arrangement backed up with accommodation arrangement which would accredit acceptance to pay fees. It is appropriate that government actively revisits the Apprenticeship Coffer as a agency to accommodate loans for acceptance at low amount as it obtains in added countries. These will in about-face accommodate the all-important funds which the universities needs to accommodate and advance affection education.

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