practitioner into teaching of core academic subjects, a unified, collective vision for learning known as the framework for 21st century learning was developed by the partnership. (Partnership for 21st century skills, 2009, p.1) B. -Academic writing as of circular process is the best. You need to plan first what youre going to write when you want to begin your writing. Reading sources such as articles, journals, books, as well as attending lectures and conferences is involves in planning. (Institution of education, 2008, p.10) C. -There is a global biodiversity crisis and environmental degradation is expected to accelerate with profoundly changing socioeconomic. (Gurney, et al, p.98 D. -In both private and public organizations corrupt occurs. It can be understood that it is a decision sold to benefit the briber, while the payments of the bribe compensates for the decision makers risks and a moral cost of betraying the institution. (Soreide, 2014, p.1) E. -The provision of financial intermediation through the distribution of small loans acceptance os small savings to the poor is microfinance. The main idea or the central concept of microfinance is the idea that poverty can be reduce effectively. (Getubig, Gibbons, Remenyl, 2007, p.7)