Dissertation Abstracts

Perception of Federal Government Workers on Monthly Contributory Pension Scheme in Gombe State, Nigeria

Author: Mubarak Saidu, mubaraksaidu54@gmail.com
Department: Sociology and Anthropology
University: University of Nigeria, Nsukka Enugu State Nigeria, Nigeria
Supervisor: Dr. N. O. Osadebe
Year of completion: 2023
Language of dissertation: English Language

Keywords: Pension , Pension Scheme , Federal Government Workers , Pension Fund Custodian
Areas of Research: Agriculture and Food , Social Transformations , Sociology of Development


Pension scheme is a global phenomenon that has been acknowledged by academicians and policy makers as a welfare strategy to ensure retiree’s financial stability. This study, therefore, investigates the perception of federal government workers on monthly contributory pension scheme in Gombe State, Nigeria. The specific objectives of the study include to find out the perception of federal government workers on the implementation of the monthly contributory pension scheme, examine the extent they have acceptability of this scheme and find out the challenges they faced in the implementation of the monthly contributory pension scheme in Gombe State, as well as to determine the strategies to minimize these challenges. The cross sectional research design was adopted for this study. However, the total population of 13,536 was used for the study. Simple random sampling technique was employed to select the 400 respondents as a sample size using Taro Yamane formula. Both quantitative and qualitative data were generated with the aid of questionnaire and in-depth interview. Pearson’s chi-square was used to test the hypotheses formulated. The study revealed that the major challenges facing the successful implementation of the pension scheme are low level of acceptability of the monthly contributory pension scheme due to non-availability of information of their monthly deductions from their salaries, and ineffectiveness of the regulating and controlling organs of the administration of the scheme. Other major challenges include the fear of financial mismanagement by those entrusted with the fund management which makes the contributory pension scheme looks bleak for the sustainability in Nigeria. Therefore, the study recommended, among others, the need for the guardians of the pension fund administrators (PFAs), pension fund custodians (PFCs) and the national pension commission (PENCOM) to ensure justice and transparency in their duties and timely payment.