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Impact of Pension and Gratuity on the Life of Retirees

Impact of Pension and Gratuity on the Life of Retirees

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DEDICATION

This research material, titled “Impact of Pension and Gratuity on the Life of Retirees” is dedicated to God for His boundless grace and guidance. It is also a tribute to all computer enthusiasts whose contributions made my research journey smoother and enriched my documentation process, making the experience truly fulfilling.



ACKNOWLEDGEMENT

I am profoundly grateful to everyone who contributed to the successful completion of this project. I am especially grateful to my Supervisor (Name), the Head of Department (Name), and the Lecturers in the Department of Insurance for their invaluable guidance and support. I also acknowledge the contributions of authors and scholars whose works on Impact of Pension and Gratuity on the Life of Retirees provided essential insights. Special thanks go to my study area (and any funding organizations, if applicable) for their financial assistance. I am equally thankful to stakeholders, including mentors, teachers, and colleagues, for their encouragement and support. Finally, I deeply appreciate my family and friends for their patience and unwavering support throughout this journey. Your contributions have been instrumental in making this research a reality.



TABLE OF CONTENTS

PRELIMINARY PAGES

CHAPTER ONE:

  • Introduction
  • 1.1 Background to the Study 1
  • 1.2 Statement of the Problem 8
  • 1.3 Objectives of the Study 9
  • 1.4 Research Question 9
  • 1.5 Research Hypothesis 10
  • 1.6 Significance of Study 11
  • 1.7 Scope and Limitation of Study 11
  • 1.8 Definition of Operational terms 13

CHAPTER TWO:

  • Review of Related Literature
  • 2.1 An Overview 19
  • History of Enugu State Pension Board 19
  • 2.2 Historical Development of Pension Scheme 28
  • 2.3 History of Insurance in Nigeria 34
  • Various Impact of Life Assurance Product 37
  • 2.4 The Impact of Pension and Gratuity on the Life of a Retiree 39
  • 2.5 legal Frame work of pension in Nigeria 41
  • 2.6 The Impact of Insurance of Economic country 45
  • 2.7 problems facing pension implementation of pension and gratuity on the life of a retiree. 45
  • REFERENCES 50

CHAPTER THREE:

  • Methodology And Design
  • 3.1 Sources of Data 52
  • 3.1.1 Primary Data 52
  • 3.1.2 Secondary Data 52
  • 3.2 Location of the Study 53
  • 3.3 Population of the Study 53
  • 3.4 Sample Size 54
  • 3.5 Instrument used 55
  • 3.6 Validity and Reliability of the instrument 56

CHAPTER FOUR:

  • Data Presentation and Analysis 57
  • 4.1 Data Presentation 57
  • 4.2 Testing of Hypothesis 65

CHAPTER FIVE:

  • Summary of findings, Conclusions and Recommendations
  • 5.1 Summary of Findings 70
  • 5.2 Conclusions 71
  • 5.3 Recommendations 74
  • BIBLIOGRAPHY 77
  • APPENDIX 79
  • Questionnaire 80

ABSTRACT

The research Project titled “The broad objective of this research work is to the Impact of Pension and Gratuity on the Life of Retirees with particular reference to Enugu State pension board. The researcher examined why Enugu State Pension Board do not pay pension regularly. Determined the effect of non implementation of gratuity on the retirees. Examined the reasons for poor retirement benefits and its economic effects on Nigeria economy. The scope of the study of this research work is Enugu State pension Board.

The sources of data for this work is primary and secondary data with the sample size of 80. The population of this study was drawn from Enugu State pension Board. The instrument used for this research work is questionnaire comprising the statement of the problem and research hypothesis, method of data presentation of this work is analyzed with the use of sample table, pie-charts and percentages.

Test analysis is used in this project work. The findings of this research work is that the fringe benefit (i.e retirement benefit) giving to the pensioners are meager compared to the responsibilities they have. The recommendations for this work is that the staff of the pension department concerned with the computation and payment of pension be made to understand the reasons for the payment of pensions and gratuity in the state.


Impact of Pension and Gratuity on the Life of Retirees (A Study of Enugu State Pension Board)

CHAPTER ONE

1.1 Introduction

… As a prelude to other parts of this study, this chapter will discuss the background upon which this study was initiated, the statement of problems that led to this study, the Aim and Objectives of the study. Others are Significance of the study, Scope of work, Research hypothesis and questions, Limitation of the study and Definition of technical terms.…

CHAPTER TWO

2.0 Literature Review

2.1 Introduction

This chapter focuses on the review of related literature. A literature review includes the current knowledge as well as theoretical and methodological contributions to a particular topic. It documents the state of the art with respect to the topic you are writing. It surveys the literature in the topic selected. In this research work the literature review includes the conceputal review, theoretical framework, the review of related literature …

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Defense Procedure for Insurance Researchers

In preparation for defending a project or seminar on Impact of Pension and Gratuity on the Life of Retirees, it is imperative that as a nursing student, you demonstrate comprehensive knowledge of your research. The defense process is structured to include presenting your work, answering questions, and illustrating its pertinence. Initially, provide a succinct yet thorough introduction to your research topic, emphasizing its importance and the objectives, ensuring that both the audience and the External Examiner can understand the scope of your study.

Prior to your defense, be thoroughly acquainted with your research abstract and the critical elements of Chapter One, including motivation for embarking on this research, problem statement, objectives, and significance. In Chapter Two, be ready to cite at least two references from the literature review. For Chapter Three, you should be equipped to discuss the methodologies, tools, and techniques utilized. In Chapter Four, defend your research by justifying the findings and linking them to your research objectives.

Conclude your defense by succinctly summarizing the study and offering insightful, evidence-based recommendations. A professional dress code, such as wearing a suit and tie, is vital to create a favorable impression and elevate your presentation.

During the question and answer segment, the External Examiner may pose questions pertaining to your research. If confronted with a challenging or irrelevant question, respond diplomatically with, “Sorry, Sir/Madam, the question asked is beyond the scope of my study.” Whenever possible, direct your answers back to your research findings to reinforce your expertise.

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