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of graduate education using 40 countries' data on advanced education focusing on contexts, inputs, processes and outcomes of graduate education with a view to deriving sets of national policies in advanced educatFinal Word Formation for the Philippines. In all, 10 variables were used as multivariate inputs to a cluster analysis algorithm that aims to cluster countries in terms of a 10 x10 similarity matrix with a hierarchical cluster method. Data per variable needed in the cluster analysis were obtained from the net and confirmed through e-mail communication with key informants in at least 20 of the 40 countries identified. Results revealed that developing countries' graduate education differed from the graduate education of developed and less developed countries in terms of : contexts (mainly full-time or part-time, external support to graduate education), inputs (admission standards, controls), process (academic advising, research focus, graduate teaching, quality assurance mechanisms), and outcomes (employment of Ph.D.'s, indicative economic contributions of Ph.D.'s). On the basis of the hierarchical cluster analysis performed, policy recommendations are given to enhance the delivery of graduate education in the Philippines and to sharpen its contribution to national development.

This study investigated the financial performance and problems of lending investors in Region 10, Northern Mindanao. It used the descriptive survey method with researcher -made questionnaire for data gathering. The respondents were the managers and chief operating officers of the leading companies in Region 10. The data were analyzed using the percentage and chi-square. The study found that lending investors in Region 10 are profitable although some have low rates of return. The financial performances of lending investors in Region 10 vary significantly when grouped according to gender, civil status, and place of business. Lending institutions managed by males and married persons and located in capital cities and towns are more profitable than those managed by females and single persons and located in towns.

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