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首页> 外文期刊>European Journal of Business and Management >Employer Related Determinants of Scheme Design in Occupational Defined Contribution Schemes in Kenya
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Employer Related Determinants of Scheme Design in Occupational Defined Contribution Schemes in Kenya

机译：肯尼亚职业界定供款计划中与计划相关的雇主决定因素

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This paper aims to provide an understanding of employer related determinants of scheme design in occupational defined contribution schemes (ODCS) in Kenya. ODCS involve no promises about the size of the benefits and no risk to the employer. The risk of ending up with low or no benefits falls entirely on the scheme members. It is necessary therefore, that determinants of scheme design are carefully considered in establishment and review of defined contribution schemes to deliver adequate benefits to members. Based on modern portfolio and the life cycle theories, the study investigated the key employer related determinants of scheme design in ODCS in Kenya. Primary data were collected using a questionnaire administered to scheme administrators in the sample. Descriptive statistics were used to profile respondents, describe sample characteristics and a logistic econometric model was applied to evaluate the employer related determinants of scheme design. The study showed that the key employer related determinants of scheme design were the employer’s budgetary constraint and recognition of the length of service of scheme members. From the findings, it was recommended that employers should in addition consider pensionable salary, retirement age and occupation in designing schemes. This would guarantee members a reasonable standard of living after retirement. Keywords: Scheme Design, Occupational Defined Contribution Schemes.
机译：本文旨在提供对肯尼亚职业界定供款计划（ODCS）中与雇主相关的计划设计决定因素的理解。 ODCS不涉及收益规模的承诺，也不会给雇主带来风险。最终获得低收益或无收益的风险完全落在计划成员身上。因此，有必要在建立和审查定额供款计划时仔细考虑计划设计的决定因素，以向会员提供足够的利益。基于现代投资组合和生命周期理论，该研究调查了肯尼亚ODCS中与雇主相关的方案设计的主要决定因素。使用对样本中的计划管理者进行管理的问卷调查收集主要数据。描述性统计用于描述受访者，描述样本特征，并使用逻辑计量经济学模型来评估与雇主相关的方案设计决定因素。研究表明，与雇主有关的方案设计关键决定因素是雇主的预算约束和对方案成员服务年限的认可。根据调查结果，建议雇主在设计方案时还应考虑应计养恤金的工资，退休年龄和职业。这将保证成员退休后的合理生活水平。关键字：方案设计，职业界定供款方案。

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