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Role of social security fund scheme in enhancing the socio-economic development of Rwanda.

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par Rusibana CLAUDE RUSIBANA
Kampala international university - MBA 2009
  

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To achieve the objectives that have been set, the researcher has the following questions

1. How are the SSFR's benefits of the retirees handled at time of retired or death which come early?

2. What are some of the methods of investing the contributions to boast socio-economic development?

3. What impact does the SSFR in economic status has on individual members?

The study made use of secondary data from SSFR Annual reports for periods of 2003-2008, policies with accordance to the social security scheme. The study show that the role of SSF toward the socio economic development of Rwanda is due to the factors that SSFR invest reserves in many dimensions like investment in portfolio, investment in land, investment in mortgage and in different Real Estate projects, and provide benefits to old age in their period of retirement and continue to survive even though they don't earning any income. This social development is measured by the health, education, agriculture and livestock.

It is recommended here that SSFR should revise the current law governing benefits and thereby calculates benefits with interests instead of dumping the money in the coffers which is not for the benefit of the contributor, SSFR should design project that aligns with the middle income earners; SSFR should give advance to pensioners in order to start project at their energetic time. Government should reinforce measures for total adhesion to pension schemes for all workers in formal sector, and in informal sector, The Government shall merge SSFR and RAMA (eventually MMI and the Mutuelle de Santé) under one national umbrella body: the RWANDA Social Security Board (RSSB)

LIST OF ABBREVIATIONS

MMI : Military Medical Insurance

MBA : Master of Business Administration

SSFR : Social Security Fund of RWANDA

MINECOFIN : Ministry of Finances and Economic planning

CEO : Chief Executive officer

VAT : Value Added Tax

TPR : Pays as you earn

% : Percentage

FRW : Rwandan Francs

UTC : Union Trade Center

USA : United State of America

SONARWA : National Insurance Company of RWANDA

B.K : Bank of Kigali

RWANDATEL: RWANDA Telecommunication

SA : Anonymous Society

SARL : Society on limited Responsibilities

MGs  : Millennium Goals

HIV : Human Immunodeficiency Virus

AIDS : Acquired Immunodeficiency Syndrome

RAMA : La RWANDAise d'Assurance Maladie

EDPRS : Economic Development Poverty Reduction Strategies

GDP : Gross Domestic Product

R.F.TZ : RWANDA Free Trade Zone

R.F.I : RWANDA Foreign investment. Company

PFP : Provident Fund» Pillar

RSSB : RWANDA Social Security Board

LIST OF TABLES

Table 4.1: Age characteristic of respondents 26

Table 4.2: Level of education for respondents 27

Table 4.3: Occupation characteristics of the respondents 27

Table 4.4: Analysis of beneficiaries affiliated in SSFR 28

Table 4.5: Awareness of importance of SSFR 29

Table 4.6: Analysis of benefits paid on time..................................................................................27

Table 4.7: Analysis of SSFR benefits alocation 30

Table 8. Awareness Of Importance Of SSFR 36

Table 9. Analysis On Benefits To Be Paid On Time 37

Table 10. Analysis Of SSFR Benefits Allocation 38

Table 11. Analysis Of SSFR Toward The Social Development Of RWANDA 40

Table 12. Analysis Of What SSFR Contribute To The Social 40

Table 13. SSFR Social Corporate Responsibilities 41

Table 14. SSFR»S Projects Job Creation 43

Table 15: SSFR Contribution In Fiscal Collections In Rfw 44

Table 16: SSFR Shareholding As At 31st May 2009 44

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