Impact Of Pension And Gratuity On The Life Of Retirees (A Study Of Enugu State Pension Board)

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Impact Of Pension And Gratuity On The Life Of Retirees (A Study Of Enugu State Pension Board)


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.

Table Of Contents

  • Title¬† ¬†i
  • Approval¬† ii
  • Dedication¬† ¬†iii
  • Acknowledgement iv
  • Abstract¬† ¬†v
  • List of Figures vii
  • List of figures¬† ¬†viii

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

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