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Annual report 2018
In financial year 2018, CFS received a total of $9.7 million in donations. We disbursed $12.4 million worth of grants to 186 charitable organisations supporting various causes. This year’s annual report also showcases CFS’s latest donor advised funds, grantmaking highlights, collaborative giving initiatives and recent events.
Download your copy here.

A Call for Collaborative Giving
This first Colabs publication – a collaboration between CFS and NVPC – sheds light on the challenges disadvantaged young persons face at home, and the impact of the family environment on educational attainment and social mobility. The guide offers suggestions on collaborative action to help givers close the gap for these individuals.
Download your copy here.

Speaking after the association’s annual general meeting at Kallang Netball Centre on Friday, Liang-Lin, a fund manager for a US$7 billion (S$9.5 billion) firm focused on green real estate investments in Asia, hopes to bring her expertise to the table and increase the amount of financial support for Singapore netball during her four-year term.

The 53-year-old took over from Deputy Speaker of Parliament Jessica Tan, who has been the association’s president since 2012. Tan had reached the end of her tenure, which saw the national team make several breakthroughs, including a gold medal at the 2015 SEA Games in Singapore.

Liang-Lin holds various appointments such as being Singapore’s representative to the G20 for Women appointed by the Ministry of Finance. She is also a board member of the Community Foundation of Singapore, which promotes philanthropy through facilitating the establishment of charitable funds.

She said: “One of the things that is overlooked when we look at philanthropy and fundraising is that sport is not really part of the things that people will automatically think about.

“Less than one per cent of the funds that we raise in the Community Foundation goes to sport. The values that sport brings need to be amplified more, so that corporates… see the need to support sport. I think that link needs to be stronger so that we get not just more corporate sponsors, but also they can come in for longer periods of time.”

While national agency Sport Singapore provides funding to netball, corporates can also do their part, she added.

She said: “If we play our cards correctly, we can get corporates to come in and hopefully support them, to see the wider purpose of sport and bring the nation together.”

She also hopes the association can be proactive in looking for financial support, adding: “We must work more strategically with governing bodies on educating corporates on the importance of really supporting sport.”

The former netball player also made references to the recent Women’s World Cup for football, noting the “ability for a game that focuses on women in the sport to bring global attention”.

She said: “I want that kind of trajectory of the limelight going to women’s sport. I think that is a trend that will continue, and I hope that netball will be part of that trend.”

Meanwhile, Tan was satisfied that she has achieved the three objectives she had set out to do when she came on board – to improve quality of play, build a fan base and create an ecosystem which involves coaches and players.

The 57-year-old added: “As much as I do feel sad about having to step down, but at the same time, leadership renewal is very important.

“I think Trina will help to galvanise the team together, and bring a lot of new perspectives and quality to the association.”

Join us in making an impact on Singapore sports scene! Reach out to us for more information.

Source: The Straits Times © SPH Media Limited. Permission required for reproduction

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.Lorem ipsum dolor sit amet consectetur adipiscing elit dolor

The competition was organised by City Harvest Community Services Association and received support from FUN! Fund, a Community Impact Fund jointly established by the Community Foundation of Singapore and the Agency for Integrated Care, with the aim of addressing social isolation among the elderly.

Senior Minister of State, Ministry of Communications and Information & Ministry of National Development Mr Tan Kiat How attended the event. He encouraged the elderly to stay physically and mentally well, as well as urging them to participate in community activities and enjoy their golden years together.

Learn more about FUN! Fund at https://www.cf.org.sg/fun-fund/.

 

The programme provides the children with a non-threatening platform to connect with peers and have positive conversations. In addition, it exposes them to different people who can assist to broaden their perspectives.

L.S., a volunteer with the Reading Odyssey programme @ Spooner Road

中心“常胜将军”胡锦盛:比赛限时反应要快

现年92岁的胡锦盛是最年长的参赛者。自2017年退休后,他几乎每天都到活跃乐龄中心报到,从此爱上了玩拉密,每次可玩上三个小时,在中心是“常胜将军”。

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Events

Celebrating the journey home through music

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John Doe
A group of musicians passionately performing on stage, captivating the audience with their melodious tunes.

In celebration of Singapore’s Golden Jubilee, the Community Foundation of Singapore, in collaboration with donor Kris Tan of the Kris Foundation, brought five young Singaporean musicians together in a concert that explores what it means to belong. The concert, which was staged on 26 July 2015 at the Victoria Concert Hall, featured a new work by local composer Phang Kok Jun, specially commissioned for SG50. It also played a selection of compositions by Samuel Barber, Tan Dun and Antonín Dvorák.

Speaking after the association’s annual general meeting at Kallang Netball Centre on Friday, Liang-Lin, a fund manager for a US$7 billion (S$9.5 billion) firm focused on green real estate investments in Asia, hopes to bring her expertise to the table and increase the amount of financial support for Singapore netball during her four-year term.

The 53-year-old took over from Deputy Speaker of Parliament Jessica Tan, who has been the association’s president since 2012. Tan had reached the end of her tenure, which saw the national team make several breakthroughs, including a gold medal at the 2015 SEA Games in Singapore.

Liang-Lin holds various appointments such as being Singapore’s representative to the G20 for Women appointed by the Ministry of Finance. She is also a board member of the Community Foundation of Singapore, which promotes philanthropy through facilitating the establishment of charitable funds.

She said: “One of the things that is overlooked when we look at philanthropy and fundraising is that sport is not really part of the things that people will automatically think about.

“Less than one per cent of the funds that we raise in the Community Foundation goes to sport. The values that sport brings need to be amplified more, so that corporates… see the need to support sport. I think that link needs to be stronger so that we get not just more corporate sponsors, but also they can come in for longer periods of time.”

While national agency Sport Singapore provides funding to netball, corporates can also do their part, she added.

She said: “If we play our cards correctly, we can get corporates to come in and hopefully support them, to see the wider purpose of sport and bring the nation together.”

She also hopes the association can be proactive in looking for financial support, adding: “We must work more strategically with governing bodies on educating corporates on the importance of really supporting sport.”

The former netball player also made references to the recent Women’s World Cup for football, noting the “ability for a game that focuses on women in the sport to bring global attention”.

She said: “I want that kind of trajectory of the limelight going to women’s sport. I think that is a trend that will continue, and I hope that netball will be part of that trend.”

Meanwhile, Tan was satisfied that she has achieved the three objectives she had set out to do when she came on board – to improve quality of play, build a fan base and create an ecosystem which involves coaches and players.

The 57-year-old added: “As much as I do feel sad about having to step down, but at the same time, leadership renewal is very important.

“I think Trina will help to galvanise the team together, and bring a lot of new perspectives and quality to the association.”

Join us in making an impact on Singapore sports scene! Reach out to us for more information.

Source: The Straits Times © SPH Media Limited. Permission required for reproduction

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.Lorem ipsum dolor sit amet consectetur adipiscing elit dolor

The competition was organised by City Harvest Community Services Association and received support from FUN! Fund, a Community Impact Fund jointly established by the Community Foundation of Singapore and the Agency for Integrated Care, with the aim of addressing social isolation among the elderly.

Senior Minister of State, Ministry of Communications and Information & Ministry of National Development Mr Tan Kiat How attended the event. He encouraged the elderly to stay physically and mentally well, as well as urging them to participate in community activities and enjoy their golden years together.

Learn more about FUN! Fund at https://www.cf.org.sg/fun-fund/.

 

The programme provides the children with a non-threatening platform to connect with peers and have positive conversations. In addition, it exposes them to different people who can assist to broaden their perspectives.

L.S., a volunteer with the Reading Odyssey programme @ Spooner Road

中心“常胜将军”胡锦盛:比赛限时反应要快

现年92岁的胡锦盛是最年长的参赛者。自2017年退休后,他几乎每天都到活跃乐龄中心报到,从此爱上了玩拉密,每次可玩上三个小时,在中心是“常胜将军”。

Picture of admin bluecube
admin bluecube

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Opinion

Governance is a continuous journey for charities

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John Doe
A man and woman proudly display an award at a charity transparency and governance event, symbolizing their recognition for outstanding achievements.

By Trillion So

EARLIER this month I attended the Charity Transparency and Governance Award dinner organised by the Charity Council. It was a proud moment for the charities that received the Charities Transparency Awards (CTA) 2019, which ranged from small, medium to large, all 67 of them.

I sit on the board of Community Foundation Singapore (CFS) and chair its Audit and Risk Committee (ARC). CFS received the CTA for the Large Category and Special Commendation Award (SCA) 2019 for Governance and Management.

As the ARC chair of CFS, I felt a sense of achievement; at the same time recognising that this could only be done with the focus and team work between management, staff, board and board committee members. As a winner in the Large Category, CFS was up against many worthy, well-established organisations with a bigger staff strength. This shows that good governance, transparency and management, can be achieved by everyone, as long as the right ingredients are present.

There is no one magic ingredient.  Some key considerations are:

Consider the size, age, purpose, funding model and future growth plans of the organisation first;

Which aspects of good governance are critical now, and which will become important in three years’ time?

Identify skills, resources and people needed to effectively implement new or changed governance and management processes/systems; and

Plan and coordinate any changes within appropriate timeframes – a practical timetable for phasing in new practices is better than hasty reaction

Corporate governance is a journey towards building trust and confidence with key stakeholders, alongside having a mindset of acting with integrity. The beauty of a journey is that you never stand still. You will strive for continuous improvement and enhancement. Improved governance will result in improved public image and transparency, which then motivates the community to give more time and money, and ultimately increase the benefits of the beneficiaries.

Reflecting on CFS’s journey, the board members are of diverse backgrounds and set the right tone from the top. Management takes all recommendations from internal auditors and the Ministry of Culture, Community and Youth (MCCY) very seriously.

I recall one of the reviews by MCCY a while back revealed that CFS did not have an Enterprise Risk Management (ERM) framework. Management immediately embarked on a project assisted by an external consultant to adopt ERM.

With the ERM, it is very clear which are the top risks, what can be done to mitigate the risks and whether any new risks have emerged so that actions can be taken to reduce the risks. It was not a one-off effort, but a continuous and purposeful deployment of ERM, up to today, which yielded results. The Audit Committee then transformed into the ARC from that point onwards, to ensure there is focus on both audit and risks. This is just one example of the continuous enhancement culture that is important for good corporate governance.

What’s next for the charities after receiving the CTA 2019? How do they continue on this corporate governance journey? What should they do differently?

One area that will disrupt business as usual for charities is: new technologies and the digital economy. Charities are starting to use Blockchain technology to ensure donors’ monies are spent on the right programmes and right recipients, including visibility and impact monitoring. Board members of charities need to think about their digital strategy and the risks involved in going digital.

CYBER RISK

Cyber risk is very real and can destroy the reputation of a charity and negate the good work it is doing, bringing it to a standstill if not properly managed. As an audit partner, I have noticed that cyber risk is fast becoming the top risk in most organisations. The Code of Governance issued by the Charity Council requires charities to build up their image to be consistent with its objectives and so charities will have to think of performing vulnerability assessments and penetration tests where applicable.

If charities tap on this area, they will increase productivity and enhance governance. Charities can harness the power of data analytics to perform continuous monitoring, gain insights and highlight areas to investigate. For example, in the area of procurement and payments, insights such as duplicate payments, split payments, early or late payments, and similar bank accounts between vendor and staff, will be red flags worth following up. The beauty of data analytics is that it combs through 100 per cent of the data and can be done continuously. Once set up, it can improve efficiency and effectiveness of internal controls, and is a great tool of oversight.

However, most charities would not have the expertise to start a data analytics programme and it may be costly too. I echo what Grace Fu, Minister for Culture, Community and Youth, said in her speech at the Charity Transparency and Governance Awards. She mentioned that charities and the community should collaborate to serve Singaporeans better, and to engage new partners and harness community resources.

There is a call, therefore, for people with technology, digital, data analytics and cybersecurity skillsets to step up and volunteer in the charities sector to help make a difference. Perhaps the CSR programmes of corporates should include placing their people with such expertise to sit in charity boards or committees, as well as collaborate in the partnership with charities and government.

I also hope that the recipients of the CTA Awards pay it forward by mentoring other charities in the corporate governance space, and for larger charities to play a bigger role in the charities sector, especially in the technology and digital space to enhance the corporate governance more efficiently and effectively.

The writer is partner at PwC Singapore and board member of Community Foundation of Singapore, where she also chairs its Audit and Risk Committee 

Source: Business Times © Singapore Press Holdings Limited

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.Lorem ipsum dolor sit amet consectetur adipiscing elit dolor

The competition was organised by City Harvest Community Services Association and received support from FUN! Fund, a Community Impact Fund jointly established by the Community Foundation of Singapore and the Agency for Integrated Care, with the aim of addressing social isolation among the elderly.

Senior Minister of State, Ministry of Communications and Information & Ministry of National Development Mr Tan Kiat How attended the event. He encouraged the elderly to stay physically and mentally well, as well as urging them to participate in community activities and enjoy their golden years together.

Learn more about FUN! Fund at https://www.cf.org.sg/fun-fund/.

 

The programme provides the children with a non-threatening platform to connect with peers and have positive conversations. In addition, it exposes them to different people who can assist to broaden their perspectives.

L.S., a volunteer with the Reading Odyssey programme @ Spooner Road

中心“常胜将军”胡锦盛:比赛限时反应要快

现年92岁的胡锦盛是最年长的参赛者。自2017年退休后,他几乎每天都到活跃乐龄中心报到,从此爱上了玩拉密,每次可玩上三个小时,在中心是“常胜将军”。

Picture of admin bluecube
admin bluecube

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

News

COVID-19: Community Foundation of Singapore commits up to S$300,000 to extend student meal subsidies during circuit breaker

Picture of John Doe
John Doe
School children walking on the pavement.

SINGAPORE: The Community Foundation of Singapore (CFS) has committed up to S$300,000 in funding to extend the Recess@Home programme until the end of the “circuit breaker” on Jun 1, the Ministry of Education (MOE) said on Thursday (May 14).

Speaking after the association’s annual general meeting at Kallang Netball Centre on Friday, Liang-Lin, a fund manager for a US$7 billion (S$9.5 billion) firm focused on green real estate investments in Asia, hopes to bring her expertise to the table and increase the amount of financial support for Singapore netball during her four-year term.

The 53-year-old took over from Deputy Speaker of Parliament Jessica Tan, who has been the association’s president since 2012. Tan had reached the end of her tenure, which saw the national team make several breakthroughs, including a gold medal at the 2015 SEA Games in Singapore.

Liang-Lin holds various appointments such as being Singapore’s representative to the G20 for Women appointed by the Ministry of Finance. She is also a board member of the Community Foundation of Singapore, which promotes philanthropy through facilitating the establishment of charitable funds.

She said: “One of the things that is overlooked when we look at philanthropy and fundraising is that sport is not really part of the things that people will automatically think about.

“Less than one per cent of the funds that we raise in the Community Foundation goes to sport. The values that sport brings need to be amplified more, so that corporates… see the need to support sport. I think that link needs to be stronger so that we get not just more corporate sponsors, but also they can come in for longer periods of time.”

While national agency Sport Singapore provides funding to netball, corporates can also do their part, she added.

She said: “If we play our cards correctly, we can get corporates to come in and hopefully support them, to see the wider purpose of sport and bring the nation together.”

She also hopes the association can be proactive in looking for financial support, adding: “We must work more strategically with governing bodies on educating corporates on the importance of really supporting sport.”

The former netball player also made references to the recent Women’s World Cup for football, noting the “ability for a game that focuses on women in the sport to bring global attention”.

She said: “I want that kind of trajectory of the limelight going to women’s sport. I think that is a trend that will continue, and I hope that netball will be part of that trend.”

Meanwhile, Tan was satisfied that she has achieved the three objectives she had set out to do when she came on board – to improve quality of play, build a fan base and create an ecosystem which involves coaches and players.

The 57-year-old added: “As much as I do feel sad about having to step down, but at the same time, leadership renewal is very important.

“I think Trina will help to galvanise the team together, and bring a lot of new perspectives and quality to the association.”

Join us in making an impact on Singapore sports scene! Reach out to us for more information.

Source: The Straits Times © SPH Media Limited. Permission required for reproduction

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.Lorem ipsum dolor sit amet consectetur adipiscing elit dolor

The competition was organised by City Harvest Community Services Association and received support from FUN! Fund, a Community Impact Fund jointly established by the Community Foundation of Singapore and the Agency for Integrated Care, with the aim of addressing social isolation among the elderly.

Senior Minister of State, Ministry of Communications and Information & Ministry of National Development Mr Tan Kiat How attended the event. He encouraged the elderly to stay physically and mentally well, as well as urging them to participate in community activities and enjoy their golden years together.

Learn more about FUN! Fund at https://www.cf.org.sg/fun-fund/.

 

The programme provides the children with a non-threatening platform to connect with peers and have positive conversations. In addition, it exposes them to different people who can assist to broaden their perspectives.

L.S., a volunteer with the Reading Odyssey programme @ Spooner Road

中心“常胜将军”胡锦盛:比赛限时反应要快

现年92岁的胡锦盛是最年长的参赛者。自2017年退休后,他几乎每天都到活跃乐龄中心报到,从此爱上了玩拉密,每次可玩上三个小时,在中心是“常胜将军”。

Picture of admin bluecube
admin bluecube

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Opinion

Accessing Quality Education: Beyond the Classroom Walls

Picture of John Doe
John Doe
a person teaching a group of children

The education of a generation is an extensive and complex undertaking.

Consider the span of time it takes to bring a single individual from nursery and preschool, through the primary and secondary school levels to the various branches of tertiary education. This journey could range from at least 12 years to almost three decades for the dedicated academic.

Keep in mind the need to cater to the individual’s development along the entire stretch in terms of how he or she learns, their psychosocial, physical, emotional and mental health, and their attitudes during the learning process. Now multiply that by over 30,000 for the number of students in each cohort year in Singapore, and you get a sense of the seemingly impossible task that faces the Ministry of Education.

The 32,000 plus teachers in Singapore (MOE, 2021) are doing a highly commendable job as it is. Singapore is ranked 21st in the latest education ranking of the Best Countries Report (World Population Review, 2022) and topped the world in the 2018 Global Competence test, conducted as part of the Programme for International Student Assessment (ST, 2020).

The Singapore education system also has facilities and options for those with learning disabilities, allowing those with conditions such as autism and Down syndrome to obtain a formal education, with pathways to employment for those who are able to do so.

There is a plethora of exit points for those who graduate from the education system here. Besides those with learning disabilities, one could complete formal education after attaining a polytechnic diploma, a university degree or even a doctorate.

While some of that depends on their innate aptitude for study, the students’ early childhood education plays a large part. While it is compulsory for all Singaporean citizens to attend primary school (MOE, 2021), the same is not true for preschool.

Government statistics reflect that nearly 99% of children in Singapore would have at least some preschool education by the age of six (MSF, 2016). This is commendable, but many still do not get the essential foundation that preschools offer, which leads in part to the learning difficulties (not to be confused with disabilities) that some children may face in keeping pace with their peers (Channel News Asia, 2019).

Learning difficulties are when a child, whose IQ is not affected, finds it challenging to learn in a particular way (MyLife Care, 2018). It could stem from conditions such as dyslexia or psychological issues such as anxiety and depression, inhibiting the child’s learning abilities and approach to studies.

Children with learning difficulties face problems with literacy and numeracy (Raising Children, 2021), which is an issue as English and Mathematics are the two core subjects that determine entry into post-secondary education.

Fortunately, there are many groups who are supporting children and youth struggling with primary and secondary school education. Although they are not teachers per se, the programme staff and volunteers of these groups are helping children with learning difficulties, who are usually from challenging backgrounds, to improve their academic abilities.

For instance, social enterprise Catch Them Young’s programme KidsExcel is partnering with the Lions Community Service Foundation to help primary- and secondary-going school children in their academic curriculum.

KidsExcel complements their tutoring time with workshops in sports and drama, which motivates the children to improve academically and to enjoy these popular activities offered by KidsExcel staff.

“I love interacting with the kids and I want to make a positive impact in their lives,” enthuses volunteer Ms Joycelyn Fung. “I have forged good relationships with the children and their parents. In the two years I have been here, it has been very fulfilling and rewarding to see the kids develop and grow.”

Resilience is a clear lesson learnt by KidsExcel care recipients, with 10-year-old Syakir stating that he would never give up in his pursuits, while 12-year-old Elfie proclaims: “I will never stop when I am tired, but will stop when I am done.”

Staff Madam Haznita shares: “It has been a joy working with the kids. Some came with little confidence and had difficulties adjusting, so we needed to spend time getting to know them better and help them settle. It is very rewarding to know they look forward to KidsExcel classes and seeing them every week. This is what motivates me.”

Another programme, Reading Odyssey by SHINE Children and Youth Services, helps to boost children’s literary abilities by inculcating a love for stories through story-telling and literature-related activities.

Taking these children onto journeys of the imagination to improve their linguistic capabilities are volunteers Bee Peng and Natasha. Every week, they tap into their dramatis personae and bring stories to life for the children.

“I like everything in Reading Odyssey, especially the games,” says P2 student beneficiary Kim Yan. “Teacher Bee Peng helps me to understand how the games are played. She is kind and patient. I thank her for teaching me.”

Bee Peng says: “I believe in the quality of Reading Odyssey; it has a positive impact on the lives of the children and has elements of character building. And I truly enjoy interacting with the children.”

Another P2 child, Divinya, demonstrates her newfound verbosity: “I like the games in Reading Odyssey and the snacks given out. My teacher Natasha helps me with reading unfamiliar words. If I don’t know the words, she helps me to pronounce them and tells me the meaning of the words. She is always present for the sessions, she never absents herself. She is always there for me. Thank you teacher, for teaching me and giving me lots of stars.” Divinya also expressed a wish for Natasha to continue teaching her in Reading Odyssey, a testament to the positive impact that even volunteers can have on our children.

A volunteer since 2017, Natasha believes in the programme’s aim of elevating the children’s self-confidence through learning and reading: “There are many opportunities to interact with the children via discussion of the stories, which allows me to journey with them and help them improve.”

Regardless of their motivation, it is clear from the number of children going through such programmes—about 350 and 180 annually from the KidsExcel and Reading Odyssey programmes—that programme staff and volunteers for such extracurricular activities are just as much teachers to our children as educators in school.

If you would like to support programmes such Reading Odyssey and KidsExcel in providing quality education to our children and make a difference in their lives, please visit Ways to give.

This article was written CFS Principal Consultant Reutens-Tan. He is an experienced sustainability advocate and practitioner, working closely with charities to build thriving communities, which he believes is key to a sustainable Singapore.

Disclaimer: The opinions expressed in this publication are those of the author. They do not purport to reflect the opinions or views of CFS or its members.

References

Channel New Asia. (15 September 2019). Commentary: Long-neglected but now in the spotlight, Singapore’s pre-school sectorhttps://www.channelnewsasia.com/commentary/pre-school-enhanced-subsidies-access-moe-kindergartens-859951

Ministry of Education. (18 October 2021). Compulsory education.
https://www.moe.gov.sg/primary/compulsory-education#:~:text=All%20Singapore%20Citizens%20born%20after,deferment%20to%20enter%20Primary%201
.

Ministry of Education. (Accessed 26 July 2022). Education Statistics Digest 2021
https:/www.moe.gov.sg/-/media/files/about-us/education-statistics-digest-2021.ashx?la=en&hash=9E7EFD9B8088817C207F8AE797037AAA2A49F167

MyLife Care. 20 September 2018. What Is The Difference Between ‘Learning Difficulties’ And ‘Learning Disabilities’? https://mylifehomecare.co.uk/insight/learning-difficulties-learning-disabilities-difference/#:~:text=a%20learning%20disability%20constitutes%20a,overall%20IQ%20of%20an%20individual

Raising Children. (2 July 2021). Learning difficulties and learning disorders: children and teenagers.
https://raisingchildren.net.au/school-age/school-learning/learning-difficulties/learning-disabilities-signs-and-support

The Straits Times. (22 October 2020). Singapore’s 15-year-olds top OECD’s Pisa global competence test.
https://str.sg/J62f

World Population Review. (Accessed 26 July 2022). Education Rankings by Country 2022.  
https://worldpopulationreview.com/country-rankings/education-rankings-by-country

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