Joghary bilim qansha túrady?
«Freedom Finance Life» ómirdi saqtandyru kompaniyasynyng mamandary zertteu jýrgizip, qazaqstandyqtargha joghary bilimning qanshalyqty qoljetimdi ekendigin anyqtady.
Jyl sayyn ondaghan myng joghary synyp oqushylary kýrdeli tandau aldynda túrady: joghary bilim alu nemese júmys isteu. 2017 jyly eldegi joghary bilimmen jalpy qamtu dengeyi 54%-dy qúrady. Yaghny osy mólsherdegi 18-22 jas aralyghyndaghy adamdar joghary oqu oryndarynda oqidy.
Qazaqstandyq jastardyng nege oqugha barmauynyng yqtimal sebepterining biri – joghary oqu oryndarynda bilim aludyng joghary qúny. QR Statistika komiyteti 2018 jyly jýrgizgen saualnamanyng mәlimetteri boyynsha, qazaqstandyqtardyng 12,6%-y joghary jәne joghary oqu ornynan keyingi bilim beru qyzmetterine qanaghattanbaghan, al 45,9%-y jartylay qanaghattanghan. Respondentterding tek 23,7%-y oqu aqysymen tolyq qanaghattanady. Saualnama nәtiyjeleri kóp jaghdayda respondentterding sanyna baylanysty bolatynyn aita ketu kerek: ol neghúrlym tómen bolsa, soghúrlym oqu qúnyna degen shaghymdar kóp bolady.
Biraq studentterding aqyly bólimge týsuge mýmkindigi bar bolsa da, olar sonyna deyin oquyn ayaqtap, diplom ala almaydy degen yqtimaldylyq ta boluy mýmkin. Tek 2018 jyly qazaqstandyq JOO-da 52 myngha juyq adam oquyn tastap ketken. Búl studentterding jalpy sanynan 9,5%. Studentterding oquyn tastap ketuining sebepteri: ýlgermeushilik, tәrtipti búzu, әsker, densaulyq jaghdayy nemese óz erkimen oqudan shygharu
Biraq eng kóp taralghan sebep – qarjylyq qiyndyqtar. Aqsha problemasyna baylanysty tek ótken jyly 13 myngha juyq adam oquyn ayaqtay almady. Búl JOO-ny tastap ketken barlyq studentterding 25%.
Kóbinese, qarjylyq qiyndyqtargha baylanysty Jambyl oblysynda 1 174 adam nemese studentter sanynyng 53,2%-y oquyn ayaqtay almaghan. Búl Qazaqstannyng barlyq aimaqtary men qalalarynyng arasyndaghy rekordtyq kórsetkish.
Ekinshi orynda Aqtóbe oblysy – 626 adam jәne 37,6%. Ýshinshi orynda Qaraghandy oblysy – 1 515 adam jәne 36,4%, tórtinshi orynda Shymkent – 3 784 student jәne 32,8%. Reytingting alghashqy bestigin Atyrau oblysy – 357 adam jәne 28,3%-dy qúraydy.
Qarjylyq qiyndyqtargha baylanysty siyrek týrde Manghystau oblysynyng studentteri – 65 adam jәne 4,6%, Pavlodar oblysynyng studentteri – 132 adam jәne 5,8% jәne Qyzylorda oblysynyng studentteri – 20 adam jәne 10,1% oqudy tastaydy.
Oqudy tastap ketkenderding basym bóligi kýndizgi oqu bólimindegiler: olar 73%, al syrttay oqu bólimindegiler 17,8% payyz.
Qansha student oqudy tastap ketti
| № | Audandar | Studentterding barlyghy | Ketken studentter sany | Qarjylyq qiyndyqtargha baylanysty ketken studentter sany | Barlyq ketken studentter sanynan qarjylyq qiyndyqtargha baylanysty ketken studentterding payyzy |
| 1 | Jambyl oblysy | 22 665 | 2 206 | 1 174 | 53,2% |
| 2 | Aqtóbe oblysy | 24 459 | 1 664 | 626 | 37,6% |
| 3 | Qaraghandy oblysy | 44 549 | 4 161 | 1 515 | 36,4% |
| 4 | Shymkent | 84 813 | 11 526 | 3 784 | 32,8% |
| 5 | Atyrau oblysy | 13 186 | 1 261 | 357 | 28,3% |
| 6 | Aqmola oblysy | 10 166 | 725 | 182 | 25,1% |
| 7 | Astana | 54 419 | 3 923 | 979 | 25,0% |
| 8 | Týrkistan oblysy | 9 673 | 710 | 168 | 23,7% |
| 9 | BQO | 30 663 | 3 215 | 747 | 23,2% |
| 10 | Almaty oblysy | 10 410 | 807 | 158 | 19,6% |
| 11 | Almaty | 143 860 | 12 882 | 2 386 | 18,5% |
| 12 | Qostanay oblysy | 21 169 | 1 956 | 221 | 11,3% |
| 13 | SQO | 7 530 | 276 | 31 | 11,2% |
| 14 | ShQO | 32 129 | 2 577 | 278 | 10,8% |
| 15 | Qyzylorda oblysy | 10 660 | 199 | 20 | 10,1% |
| 16 | Pavlodar oblysy | 15 892 | 2 288 | 132 | 5,8% |
| 17 | Manghystau oblysy | 6 215 | 1 403 | 65 | 4,6% |
| Barlyghy | 542 458 | 51 779 | 12 823 | 24,8% |
QR Statistika komiytetining mәlimetteri boyynsha
Freedom Finance Life rәsimdedi
Joghary bilim qansha túrady?
«Freedom Finance Life» ómirdi saqtandyru kompaniyasynyng mamandary jýrgizgen zertteu nәtiyjeleri boyynsha Qazaqstandaghy bakalavriat qúny jylyna 150 000 tengeden 2 157 000 tengege deyin ózgeredi. Bir oqu jylynyng ortasha qúny – 396 307 tenge. Tórt jyl oqu 1 585 228 tengege shyghady.
Búl aqshany jinau ýshin ortasha jalaqysy bar qazaqstandyqqa 9,5 ay qajet bolady. Búl rette oghan basqa shyghyndargha júmsamay, barlyq jalaqyny keyinge qaldyrugha tura keledi. Qazaqstandyq joghary oqu oryndarynda oqu qúny jyl sayyn orta eseppen 10%-gha qymbattaytynyn eskere otyryp, mindet onay emestigi bayqalady. Yaghni, eger sizding balanyz mektepti tek 5 jyldan keyin ayaqtasa, bakalavriattyng tórt jylynyng qúny 1 585 228 tenge emes, 2 553 026 tenge túratyn bolady.
Sol sebepti 2017 jyldyng mәlimetteri boyynsha júmysqa qabiletti halyqtyng tek 36%-da joghary bilim turaly diplomy bolghan. Demek búl jyl sayyn qazaqstandyq JOO-da birneshe jýz myng adam bilim alyp jatsa da jaghdayymyz mәz emes degen sóz. Mysaly, biyl Qazaqstanda 542 myng student boldy. Búl bir jyl búryn bolghan studentterding sanynan 9,3%-gha artyq.
Nege aldyn ala aqshany jinau kerek?
Balalargha jaqsy joghary bilim berudi qamtamasyz etu ýshin qazaqstandyq ata-analargha aqsha alu nemese tabystyng kóp bóligin keyinge qaldyru әreketteri mindetti emes. Qarjy josparyn jasap, bala mektepti ayaqtaghangha deyin 5-10 jyl búryn aqsha jinaghan dúrys.
Mysaly, eger bala mektepti 5 jyldan keyin ayaqtasa, bakalavriattyng tórt jyldyq ortasha qúny shamamen million tengege qymbattaydy. Qajetti somany (nemese shamamen sol somany) jinaqtau ýshin ay sayyn 35 000 tengeden aqsha jinay beru kerek.
| Uaqyty | Jyl sayyn ol 10%-gha qymbattaytynyn eskere otyryp, oqu qúny | Qansha jinaqtalady |
| Qazir | 1 585 228 | 420 000 |
| Bir jyldan keyin | 1 743 751 | 840 000 |
| 2 jyldan keyin | 1 918 126 | 1 260 000 |
| 3 jyldan keyin | 2 109 938 | 1 680 000 |
| 4 jyldan keyin | 2 320 932 | 2 100 000 |
| 5 jyldan keyin | 2 553 026 | 2 520 000 |
Boljaldy esepter
Oryndaldy: Freedom Finance Life
Esep aiyrysular shamalas týrde jәne qarjy qúraldarynyng kiristiligin esepke almay-aq keltirilgenin atap ótu kerek. Yaghni, depozit nemese ómirdi jinaqtaushy saqtandyru baghdarlamalary arqyly aqsha jinaytyn bolsa, aqsha jinau әldeqayda jyldamyraq bolady.
Jinaqtaushy saqtandyru baghdarlamasymen oqugha qalay qarjy jinaqtaugha bolady?
Eger birneshe jyl boyy balanyzdyng oquyna qarjy jinaqtap kelseniz, osy uaqyt ishinde kez-kelgen nәrse boluy mýmkin: baqytsyz jaghday, syny auru (qaterli isik nemese jýrek auruy) nemese ata-anasynyng birining ólimi. Eger aqshany ýirenshikti jolmen jinaqtaytyn bolsanyz, ol bolashaqta aqsha jinau perspektivalaryna qatty әser etui mýmkin.
Ómirdi jinaqtaushy saqtandyru baghdarlamasymen qajetti somany jinaqtap qana qoymay, ózin kýtpegen shyghyndardan qauipsizdendiruge bolady.
Júmys isteu prinsiypi:
*Ata-analar layyqty qazaqstandyq nemese sheteldik uniyversiytetti tandaydy jәne ómirdi saqtandyru kompaniyasymen shart rәsimdeydi. Shart boyynsha jinaqtau kerek somany ata-analar anyqtaydy, әdette, ol bolashaqta onyng ózgeruin eskere otyryp, oqu qúnyna teng bolady.
*Mindetti saqtandyru jarnalaryn aiyna, toqsanyna nemese jylyna bir ret ynghayly týrde tóleuge bolady.
*Shart talaptary boyynsha ata-anasynyng qaytys boluy jәne mýgedektigi, eresek adamnyng (infarkt, insulit, obyr jәne basqalar) nemese balanyng (1 tipti diabet, bakteriyalyq meningit jәne auyr ensefaliyt, onkologiyalyq aurular) qauipti aurulary, jaraqattar jәne olarmen baylanysty uaqytsha enbekke qabilettilikten aiyrylu, auruhanagha jatqyzu jaghdayynda saqtandyrylugha bolady.
*Eger Sharttyng býkil merzimi ishinde eshtene bolmasa, ómirdi saqtandyru kompaniyasy uniyversiytetke oqu qúnyn bir mezgilde nemese әrbir oqu jyly ýshin ýlespen tóleydi. Eger oqu qúny jinaqtalghan somadan az bolsa, aiyrmashylyq ata-analarmen tólenedi.
*Eger Sharttyng býkil merzimi ishinde Saqtandyrylghan ata-anasynyng qaytys boluyna nemese onyng mýgedektigine (eger mýgedektikti saqtandyru shartqa engizilgen bolsa) әkeletin jazatayym oqigha oryn alsa, saqtandyru kompaniyasy balanyng joghary bilim alu mýmkindigin qamtamasyz etetin sharttyng barlyq somasyn (saqtandyru shartyn jasasqan kezde oqugha jinaqtaudy josparlaghan somany) birden tóleydi.
*Jazatayym oqigha saldarynan auyr nauqastanghan, jaraqattanghan, júmysqa qabilettiliginen uaqytsha aiyrylghan jәne auruhanagha jatqyzghan kezde ómirdi saqtandyru kompaniyasy 3 000 000 tengege deyin tóleydi.
Áriyne, qajetti somany kez kelgen basqa tәsilmen jinaqtaugha bolady. Eng bastysy әr ata-ana balasynyng oquy ýshin qarjy jinaqtaudy tezirek bastau kerek.
Rýstem Alamanov
Abai.kz
