Towards rationalisation of the social industry for equity: a comparative analysis of the schemes in Ghana

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The provision of Social Protection in Ghana, though has seen years of attempts and experience, is still yet to master its budding issues. Pensioners at best could be described as survivors while potential consumers of social security have the least confidence in it. The basic schemes include the Civil Service Pension Social Security and National Insurance Trust (SSN[T), the Ghana Universities Superannuation Scheme (GUSS), Employers Schemes, and other Private Insurance Schemes. The study has revealed that none of the schemes provides adequate services for its consumers and the means of ensuring an equitable scheme supported by viable investment opportunities and contributions from current workers are in a fix. The need to establish a systematic and reliable process for ensuring equitable contribution and provide adequate means to sustain pensioners is the concern of this research. It concludes that for an adequate provisions of social protection and a sustainable equitable contribution there is the need to adopt a tripartite, where the government, providers, consumers will form a partnership in this endeavour.
A thesis submitted to the Board of Postgraduate Studies, Kwame Nkrumah University of Science and Technology, Kumasi, in partial fulfilment of the requirement for the award of the Degree of Master of Science in Development Policy and Planning, 1999