Background: Daycare centres/nurseries have become popular because of the need for working mothers to leave young children with caregivers. However, the high poverty level (54% relative and 35% extreme poverty) makes it difficult for disadvantaged parents to pay the high fees charged by the centres. This study describes an attempt to economically empower mothers through the organisation of free early life education in a peri-urban community in Lagos. Objectives: The aim of the study was to examine early life education for under-fives as a means of economic empowerment of mothers and sustainable poverty amelioration. Method: The methodology included a non-randomised selection of 34 disadvantaged mothers by criteria, a prospective intervention utilising community resources to organise early childhood education, an in-depth interview of mothers, and observation of the outcomes over a 5-year period. Results: The result of the study showed that no mother preferred keeping a child older than three years at home. Access to early childhood education gave mothers opportunity to undergo vocational training (1, 2.8%) and take up new/additional jobs (12, 35.3%). All mothers and 32 (80%) of the participating families more than doubled their income, earning up to twenty thousand Naira (approximately $182) per month from the first year of participation. Finally, selection criteria and periodic assessment of immunisation/growth monitoring records of participants’ children improved compliance with primary health care service utilisation. Conclusion: Organisation of early childhood education had the potential for sustainable poverty amelioration through economic empowerment of mothers.
Poverty is defined by an encyclopaedia as ‘the condition of not having the means to afford basic human needs such as clean water, nutrition,
health care, education, clothing and shelter’.1All of these determine our quality of life. It may also include the lack of
access to opportunities such as education and employment, which aids the escape from poverty and/or allows one to enjoy the respect of
fellow citizens. Nigeria is the most populous African country (140 million people in 2006)2and in Lagos, the former
capital popularly known as the country’s ‘economic nerve centre’, many people live below the international poverty
line (earning less than $1 per day). Despite Nigeria’s oil exports, the country’s poverty rate is high, about 60%,
3or 54% for people living in relative poverty and 35% in extreme poverty.4 The middle class is almost non-existent, making the gap between the rich and the poor very obvious.4While many children of
middle- to high-income families are already in ‘early life education’ programmes, children of low-income families are more
likely to be seen playing during the day, sometimes with no adult supervision. One hears, from time to time, of a mother looking for
her child, or tragic stories of accidents (like drowning in an uncovered well) in the study community. However, in spite of their
poverty and struggle to survive, research has shown that the education of children is a priority to many of these families.
5 Even those living in the poorest of areas want their children to have sound education early in life and would rather go
without meals in order to send their children to fee-paying private schools. According to a study by James Tooley, about 65% to 70%
of schoolchildren from the poor areas were in private primary schools.6In a study in Lagos, a fisherman noted that: ‘In the public school they do not teach very well and even though we are very poor we prefer to send our children to private
schools because we want our children trained for the future’. Similarly, a mother from that same study made the following comment about private schools: ‘In the private school they teach them very well, they study very well and the students are sharp. That’s why
I prefer to send my children to private school’. There are several kindergarten/daycare/nursery schools attached to primary schools in Lagos,7,8but many of them,
through self-help initiatives, are profit-oriented and not accessible to poor families. There is a vicious cycle between poverty, literacy and illness and so economically disadvantaged families are more likely to
fall ill, causing high morbidity and mortality rates in their communities. Also, a mother’s level of education and economic
power affects the health status of her family and, in particular, her own health and that of her children under five years old.
Better educational achievement, increased chances of employment and earning power have a positive influence on the health knowledge,
attitude and behaviour of mothers who are not only care-givers but who are increasingly becoming providers of the basic needs of
their children.9 Nigeria is one of the countries with the lowest coverage for immunisation and growth monitoring and this has resulted in its high
under-five morbidity and mortality rate (250 per 10 000), in spite of appropriate government policies and various attempts to
improve service quality and utilisation.10,11 Community ownership of health and development programmes, even though
emphasised in the National Health Policy, is not fully embraced by the stakeholders and implementers of the policy.12 The Ward Health System was adopted in Nigeria in the 2000. A ward is the smallest geopolitical administrative entity from which
a councillor is elected to the next level of government unit, the local government authority (LGA). It may comprise several
villages or groups of communities, each usually having its own development committee. Each ward has a total population of about
10 000–30 000. There are officially 8812 wards in Nigeria and 375 in Lagos state. Ward development committees (WDCs) or
community development associations (CDAs) are community organs that have responsibilities for ensuring the implementation of
health and developmental interventions.13
Ethical approval, permissions and informed consen
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Ethical approval was obtained from the Ethics Committee of the College of Medicine, University of Lagos and permission to collect data
in the schools and communities was obtained from the Lagos State Universal Basic Education Board and the Ikosi-Isheri local council
development area (LCDA) respectively. In view of the apparent sensitivity of the mothers to social status issues, potential participants were individually interviewed to
ascertain their willingness to participate in the study. Informed consent of the fathers (husbands of participants) was also obtained
directly or through their wives.
Advocacy
The concept of the 5-year prospective community-based intervention was explained to 18 members of the CDAs of Magodo, the study community.
Members of the neighbouring communities of Isheri (22), Olowora (26) and Omole Phase 2 (32) were also addressed during monthly meetings.
Influential community members of 15 Residents’ Associations (RAs) in the high socio-economic bracket were also paid advocacy visits
during monthly meetings in the four communities. Emphasis was laid on the need to utilise resources available within the ward to assist
poor, disadvantaged families. Support in form of sponsorships from the proprietors of seven private nursery and primary schools in the ward was solicited. Sponsorship
was not required until the children of study participants attained the age of 5 years. The number of pupils sponsored was determined by
each school.
Selection of participants
The participating mothers had to comply with the following selection criteria: • Either they were single parents (e.g. widow), or if they were married, they and/or their husbands worked within the community
as artisans. • They worked away from home. • They had no one else to take care of an under-five child. • They were of low socio-economic status, earning less than the basic minimum wage of five thousand Naira (approximately
$45 per month); their total family income had to be less than twenty thousand Naira ($182 per month). • They were willing to undertake vocational training within the community if necessary. • They were willing to enrol their children for early life education. • They presented the child’s birth certificate, immunisation record and growth chart.
Daycare/early childhood education One of this study’s key intervention strategies was to increase the enrolment of children under 5 years old in school,
so that the mothers were free to engage in economic activities. WELLCHILD, a community-based non-governmental organisation provided
the necessary space in a homely environment for the daycare/early childhood education programme. It sourced for and engaged volunteer
teachers that included mothers and youths from the community/ward. Initial educational materials and standard syllabi were obtained
from a private school in the ward and training materials were donated by friends of the organisation. The mothers were encouraged to
bring their children to the school at 08:00 and to fetch them at 12:00.
The maximum number of children at any time was restricted to 10 to maintain high quality teacher–pupil interactions. The first
set of six children aged 3–4 years was taught as one class for the first year. They were joined by four more children before
separation into two classes in the second year (three children in the 3–4 age group and seven in the 4–5 age group). The
pupils conducted general activities (singing, praying, physical examination for hygiene and recreation) together daily, but were
separated by age group for other, more specific learning activities. The number of children who left for primary schools after the age of 5 years were replaced each time by those who had been waiting
for enrolment. Five of the children were sponsored; four fully (two by the private schools and two by community members) and the
fifth was partly sponsored (half-tuition) by a school. Two children in the 3–4 age group who left when their families moved to
another zone in the community were also replaced. A total of 40 children were enrolled over the study period of 5 years (Table 1). A
maximum of 10 children were allowed in the programme per year and they graduated to nursery 2/primary school when they reached 5 years old.
Table 1:Enrolment and graduation statistics for the WELLCHILD early life education programme, 2003–2008
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Sponsorship for primary education Three categories of scholarship for primary education were solicited for pupils on completing the programme. These were, (1)
full tuition waived by a private primary school, (2) half tuition waived by a government primary school and (3) all expenses
to be paid to the school by an individual sponsor. Only one child attended the government primary school because their older siblings attended the primary and secondary schools on the
same premises. Child health services The children’s birth certificates were used to verify their ages and their green cards (primary health care child health
home-based records) were checked before registration for relevant information about the families and to assess immunisation status
and regularity of growth monitoring. None of the first set of children enrolled possessed a green card, was fully immunised or had their growth monitored. They,
and all the children subsequently enrolled, had to possess two cards, one kept at the community’s Health Post and one kept
at home. The children were all fully immunised at registration and their growths were monitored using the primary health care
growth chart on weight-for-age every other month. In-depth interview of mothers All mothers were interviewed at the beginning, at different times during and at the end of the study, with schedules that
probed socio-economic activities (both theirs and/or their husbands’), obstacles and constraints to having gainful employment
or improving on current work. Their claims of training and new/additional jobs were verified by their teachers who were also resident
in the community. Interviews were done when mothers came to collect their children. Participants were also interviewed on their
awareness of the government programme that started in the neighbouring Isheri community within the ward a few months after the study
commenced. Counselling of mothers Mothers were counselled on the types of employment available in the community, for example, those available in some houses/streets
(cleaning, cooking, clothes washing), at the local bakery, at factories (table ‘pure’ water) and at building sites
(bricklaying, labour assistants for odd jobs that including fetching water, mixing cement, carrying cement mix to points of use
etc.). Cleaning jobs were in the homes of more affluent community members, on streets and in some churches and mosques. Clothes
washing and cooking on a weekly or monthly basis were common jobs in the University of Lagos zone, where residents were mostly
retired university staff.
Sourcing for volunteer teachers
Appeals for volunteer teachers were made during the initial advocacy visits. The teachers were recruited and given orientation on the
study and child care. Categories of community residents who were screened and recruited included: • volunteer mothers (Two at a time, and a total of four for the 5-year study period. All had at least secondary/high school
education and one was a nursery school teacher who moved into Magodo earlier.) • unemployed youths (One tertiary institution graduate who was also the Administrative Officer for WELLCHILD, two youths
awaiting Joint Admissions Matriculation Board results to tertiary institutions, and one with a West Africa School Leaving
Certificate for secondary school education.) • two previous beneficiaries of scholarships for Ordinary level diplomas from WELLCHILD. All the teachers consented to a token honorarium of two hundred Naira (approximately $1.80) per day for helping for 4 hours each day. The first group of volunteer teachers for the first set included a single mother of two adult daughters, one of whom had
learning difficulties. The mother worked in the WELLCHILD daycare in the morning and joined her daughter later in the day
for petty trading. She possessed the West Africa School Leaving Certificate and served in the programme for 2 years, until
she obtained space in a nearby market. In her place, a volunteer youth awaiting admission into a tertiary institution served
for the next year. The first group also included a housewife with primary school education who, after having received
counselling, taught in the school as an alternative to selling the local illicit gin known as ogogoro. On moving
out of the community (after serving for 1 year) she was replaced by a youth who had benefited from a WELLCHILD scholarship;
the scholarship had allowed him to complete the last year of his secondary education. Teachers for the second set included two unemployed youths who served for 1 year, until they gained admission into tertiary
institutions. They were replaced by the third set of two volunteer mothers, both of whom were petty traders with secondary/high
school education. The child of one of these mothers benefited from the early life education programme.
Limitations
Two limitations that were identified are, (1) the small sample size because of limited resources and the necessity for quality
care and education (teacher-to-pupil ratio of 1:5) for participants’ children in the early life education programme and
(2) the reliance on the sincerity of participants (e.g. for information on individual and family income).
Participant profiles
Of the 40 children enrolled during the study period, 21 (52.5%) were females and 19 (47.5%) males. As the children
reached the age of 5 years and moved to Primary Schools, they were replaced to maintain a maximum of 10. The total
number enrolled over the 5-year programme was 40 from 34 families. Thirty (75%) of the enrolled children entered the
programme when they were aged 3–4 years. There were 26 (65%) graduates out of the 31 (77.5%) who had left the
programme by the time of this report (Table 1).Most of the mothers who participated in the study were Yoruba (20, 58.8%). Others were Egun early settlers (7, 20.6%),
Urhobos and Edos (7, 20.6%). Most of them fell within the age group 25–45 years (32, 94.1%). There were 3 single parents
(one teenage mother, a widow and one who had separated from her husband). One mother had 3 children under five years old and one
had twins. In total, 34 women were selected, 14 (41.2%) were full-time housewives, 8 (23.5%) were petty traders, while 4 (11.8%)
were hairdressers, 3 (8.8%) street cleaners, and 3 (8.8%) vegetable/fruit sellers and food vendors (Table 2).
Of the 31 participants’ husbands, most, 13 (41.9%) were artisans who did unspecified casual labour jobs at construction sites in the
Government Reservation Area carved out of the original Magodo community. There were also bricklayers (4, 12.9%), commercial motorcycle
operators (2, 6.5%), security guards (2, 6.5%), welders (2, 6.5%), carpenters (2, 6.5%), Imams/Moslem priests (2, 6.5%) and others
(4, 12.9%) (Table 2). The early life education programme organised for the participants’ children enabled all of them to function better (Table 3) and 12
mothers (35.3%) took up new/additional jobs within the community during the first few months of the study, enabling them to improve
their earning power. One mother had opportunity to train as a tailor and all other former full-time housewives started casual jobs.
All (100%) of the 7 families that participated in the first year and approximately 80% of all participating families more than doubled
their income or earned more than twenty thousand Naira (approximately $182) per month in the first year of participation.
Table 3:Empowerment of participating mothers
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Enrolment in other schools or primary schools
For comparative purposes, the levels of enrolment to the government-operated nursery school that was attached to the Isheri Primary
School, as well as the United African Church Community (UACC) Nursery School within the same compound were also assessed (Table 4).
Records were obtained from the data collated by the School Services section of the State Universal Basic Education Board and registers of
the two schools.
Table 4:Enrolment at Isheri Government and UACC Nursery and Primary Schools, 2003–2008
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It was found that no child had enrolled in the government and UACC Nursery and Primary Schools, in Isheri between 2003 and 2005, while the
enrolment totalled were only 52 and 58 respectively in the 2006/2007 and 2007/2008 sessions, respectively (two of these children were only
2 years old on enrolment). From the beginning of the study, it was found that participants no longer kept a child above 3 years at home; all participants’
children were enrolled in schools throughout the study period. However, none of the first-year participants was informed when the government
started a programme for under-fives attached to the primary school in Isheri, the immediate community within the ward. Even though all 34
participants were eventually informed about it by the WELLCHILD teachers, they did not wish to enrol their children there. The reasons
given by all were the distance and the need to ride on commercial motorcycles or tricycles. Two participants (5.9%), after improvement
in their income, voluntarily took responsibility for sending their children to nearby private fee-paying primary schools. Five of the
seven children in the first set (71.3%), on attaining the age of 5 years, were sponsored for primary education in private schools within
the ward, while two families paid fully in a nearby private school.
There was better guarantee that a child’s education would not be disrupted if the school waived the tuition fee than if sponsored
by residents in the ward. Two individual sponsors could not fulfil their obligations after the first year and WELLCHILD had to source for
alternative sponsors.
Community leaders’ commitment to the programme
All the LCDAs and RAs were positive in their response to the concept of women empowerment through the organisation of the early
life education programme. One CDA (Omole Phase 2) and one RA (Salako zone) committed funds to a private school’s WELLCHILD
services charge for the shop operated by one of the school teachers to generate funds for the programme. The expressed and demonstrated commitment of community leaders is one of the strengths of the early life education intervention
for economic empowerment of mothers. Sustainability of the programme depends on their continued commitment and efforts to see that
all under-fives have opportunities for enrolment in standard educational programmes thereby releasing their mothers for gainful
activities. That the poorest of families would struggle to send their children to school, even private, fee-paying ones, in spite
of their predicaments, has been confirmed by various studies in India, Ghana, Kenya and Nigeria.
5,14,15
Discussions on
the internet7 and in some newspapers
16,17,18,19,20
have expressed the need to put equity, one of the basic
principles of Primary Health Care, into practice. LGAs and LCDAs, the government organs responsible for basic education up to primary level, need to identify all the self-help and
private schools, whether registered or not, and absorb them into the national universal basic education programme. Since the
performance of pupils, even in unregistered private schools, has been found to be better than in government schools14
it may be better for community development committees to organise educational programmes for their children, or to establish
private–public partnerships on education with relevant ministries or responsible government organs. This way, the
unacceptably high pupil-to-teacher ratios in government schools in Nigeria (and as found in Kenya and other developing
countries21) can be reduced and better standards ensured. After comparing notes with children in private
schools, parents in Ghana withdrew their children from free government schools and returned them to the fee-paying
private ones. Wherever educational entrepreneurs, especially those in poor communities, set up schools to cater to
unfulfilled demands, they should be supported by government and their efforts optimised.
Economic empowerment
The primary expected outcome of this study was that participants would be able to utilise the better opportunities provided to
them by enrolling their children in the early life education programme to engage in gainful activities (new/additional employment)
that were previously limited. It is relatively easier to manage a baby less than 3 years old, who can be strapped to the back, than
an inquisitive 3–5-year-old, even for those parents who are self employed. Additionally, where a mother has more than one child
under-five, enrolling the older one in early life education provides her with a better opportunity to take care of the younger one
(reducing predisposition to infections, malnutrition, home accidents, etc.) and to perform more efficiently in other, more gainful
ventures. Among Nigeria’s efforts to reduce poverty are those undertaken by the National Poverty Eradication Programme, which include: • the youth empowerment scheme • the establishment of a DataBank for the unemployed • the mandatory attachment/resettlement of graduates, tailoring and fashion designer trainees • the Giveback Programme for Nigerians in the diaspora • blindness prevention and treatment • rural communication programmes • the establishment of youth information centres • the institution of the Capacity Acquisition Programme and the Village Economic Development Solutions Model. It has been reported that the Nigerian government has released funds for the implementation of such programmes.8
When mothers are confident that their children are safe, they will be able to enrol in any of the programmes as appropriate.
There are similar efforts in other developing countries like Kenya, Ghana and India that have been reporting successes.8,22,23
Enrolment in other schools or primary schools
Many mothers may not be aware that free early life education programmes for children aged 3–5 years are attached to many
government primary schools. Some may also not want to enrol their children in schools that are not within walking distance for
the children as found in this study. In the study ward, road traffic accidents, especially from motorcycles, were the third most
prevalent problem for 2006/2007,24yet some parents and children rode on motorcycles without helmets. The study
participants’ reluctance to send their under-fives to Isheri because of the distance (approximately 1 km – 3 km)
and the dangers to which the children are exposed on the roads should be taken into consideration by government and community committees. An earlier demographic study in Magodo reported a total population of 9308 and, of this, 1794 (19.3%) were under-fives.24
Of the latter, 1384 were more than 1 year old,24yet the number of children who were enrolled in the Isheri government
Nursery and Primary School and the UACC Nursery and Primary School (which enrols children 2 years or older) were significantly low,
with only 52 and 58 enrolment in the 2006/2007 and 2007/2008 sessions, respectively. This indicates that under-fives were either in
private schools, or not in any early education programme, in spite of the fact that the public schools were free. Major reasons for
this may be lack of awareness and the distance of the schools from Magodo, as reported by participants in this study.
Availability of government funding
One of the achievements of the education sector is ‘empowerment of communities to participate actively in the management
and eventual ownership of schools through the Self-Help approach’.25There is no doubt that community members need to
be fully involved at all levels (planning, implementation, monitoring and evaluation) of early life education programmes for their
communities. However, sometimes funds are made available by governments, but communities (the beneficiaries of such funds) are not aware
and officials do not fulfil requirements to access such funds for years. An example of this would be the funds allocated by the Nigerian
Federal Government for universal basic education, which is another laudable effort towards the attainment of the Millennium Development
Goals (MDGs). According to the Executive Secretary of the Universal Basic Education Commission, to date, about one hundred and eleven
billion Naira (approximately $94 000 000) has been allocated, but has not been accessed by 27 out of 36 states and the Federal Capital
Territory since the 2005.26Early childhood care and development education shares 5% of the funds, while primary education and
junior secondary education receive 60% and 35% respectively. In order to access the funds, action plans are to be submitted by states and
counterpart funds are required. Judicious and optimal utilisation of funds allocated for early childhood education, in addition to existing community resources, will
accelerate the achievement of at least five of the MDGs, including poverty eradication, directly and/or indirectly. Even though the MDG
on education is ‘to ensure that boys and girls everywhere complete a full course of primary education by 2015’, many
studies have found an early life education programme desirable and essential for maximising children’s potentials.
27,28,29
Also, advocates for free programmes believe in equity and the fact that ‘free early learning gives children the best start in
life through learning and playing with other children in a safe and structured environment. They have a head start when they start
school’. The advocates have emphasised the need for a national curricula framework and appropriate content for children aged
from birth to 3 years, for children aged 3–6 years, as well as an improvement of the transition between early childhood education
care settings and primary schooling.30 Children of poor families also deserve the right to a good start in life. Even when these education programmes are made free, high
standards must be maintained and they should be within walking distance for the children. This, and the population of children under
5 years, indicate the need for more than one school within a community. Community-organised (private) schools should thus be assisted
to complement government schools. Easy accessibility will motivate mothers to drop off their children in these programmes before going
to work or the market. Private fee-paying schools willing to provide tuition-free services to the less privileged in their communities should also receive
government assistance. Even though 60% of the first set of children at WELLCHILD had sponsorship to nearby private primary schools,
disappointment from individual sponsors in less than two years confirmed that there is a surer guarantee if the school waived the
tuition fees than if sponsorship was provided by residents. Private schools, worldwide, are usually more expensive than government
schools and often require additional costs to tuition. Individual sponsors may not pay regularly or stop altogether when they have
diverted their funds to other priorities. Compliant private schools should thus be compensated for sponsorship, for example, through
taxation reduction.
Primary health services
The study showed that encouraging mothers to ensure that their children had birth certificates, received necessary immunisations and had
regular growth monitoring is positive for improved coverage and service utilisation. The low national coverage of immunisation and growth
monitoring, as well as service utilisation for other basic, yet important, health interventions, will be improved if there is a collaborative
effort between the Ministries of Health and Education.
Sustainability
The early life education programme organised by, and within, the community, involving community members (not teachers posted by government
from other communities) attracted better patronage and was sustained through community contributions. It can be safely assumed that every
ward in Nigeria has resources that can be harnessed for ameliorating or eradicating poverty of disadvantaged families. In order to promote
self-reliance and sustainability, resources within communities/wards must be identified and relevant development committees established,
with the WDCs, CDAs and RAs assisting in the utilisation of such resources equitably for the benefit of residents. If each of the 8812 wards
in Nigeria operates an early life education programme, about 15–20 million mothers will have better opportunities for sustainable
economic empowerment and poverty amelioration.
Recommendations and conclusion
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While acknowledging its limitations, this paper recommends free early life education to promote women’s empowerment and poverty
amelioration. This should be organised in communities that are more than 1 km from government schools. For quality to be maintained,
teacher-to-pupil ratios and facilities must be acceptable to appropriate standards organisations. Also, easy accessibility may mean
having more than one school for under-fives in each community constituting a ward. Poverty amelioration through economic empowerment of women has national and global relevance as well as direct/indirect implications
for attainment of the MDGs. This preliminary study, even though a small sample, has shown that beneficiaries (disadvantaged mothers and
families) will benefit from free early childhood education programmes that allow them freedom to pursue economic ventures.
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Private primary education – Africa unchained: A platform for analyzing and contributing to the issues and solutions raised by George Ayittey’s latest book: Africa unchained [serial online]. 2006 [cited 2010 May 8]. Available from: http://www.africaunchained.blogspot.com/2006/04/private-primary-education.html 8. Nigeria: Boosting rural capacity for economic growth. THISDAY Newspaper [serial online]. 2007 Nov 20 [cited 2010 May 8]. Available from: http://allafrica.com/stories/200711210897.html 9. International Labour Organisation online. From entrepreneurship to education: How empowering women can help [homepage on the Internet]. No date [cited 2009 May 7]. Available from: http://www.ilo.org/global/About_the_ilo/media_and_media_public_information/feature_stories/lang__en/WCMS_094240/index.htm 10. National Demographic Health Survey (NDHS). Under-five morbidity and mortality, 2006. Abuja: NDHS; 2006. 11. Federal Ministry of Health. Saving newborn lives in Nigeria: situation analysis and plan for newborn health. Abuja: Federal Ministry of Health, 2009; p.38. 12. Shehu U. Health policies in Nigeria: An overview. Nig J Health Plan Manage. 1996;1(2): 4–9. 13. National Primary Health Care Development Agency (NPHCDA). Guidelines on the Ward Health System. Financial Times, 2003. 14. Tooley J, Dixon P. Private education is good for the poor: A study of private schools serving the poor in low-income countries. CATO Institute White Paper [serial online]. 2005 Dec [cited 2010 May 8]. Avalable from: http://www.cato.org/pubdisplay.php?pub id=5224 15. Tooley J. Dixon P. ‘De facto’ privatization of education and the poor: Implications of a study. Compare. 2006;36(4):443–462. 16. Private schools can bring education for all. Financial Times [serial online]. 2007 Oct 29 [cited 2010 May 8]. Available from: http://blogs.ft.com/undercover/2007/10/megan-mcardle-ohtml/ 17. Tooley J. 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