... B. Ting Anh 19. Antonia Lozano diaz, Personal, family and academic factors affecting low achievement in secondary school, Electronic Journal of research in educational psychology and psychopedagogy. ... International Journal of Business and Management. 26. Segun M.olatunbosun & Francis A.Adesoji (2008), Student, teacher and school environment factors as determinants of achievement in senior ... McMillan, J.H. (2001), Classroom Assessment: Principles and Practice for Effective Instruction, Boston: Allyn & Bacon. 25. Rohana kamaruddin (2009), The Quality of Learning Environment and...