Challenges Encountered by Retirees in Accessing their Retirement Benefits. A case of Zanzibar Social Security Fund.

Juma, Abdi Suleiman (2025) Challenges Encountered by Retirees in Accessing their Retirement Benefits. A case of Zanzibar Social Security Fund. Masters thesis, The Open University of Tanzania.

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Abstract

This study examined the challenges encountered by retired employees in accessing their retirement benefits, a case of Zanzibar Social Security Fund. Specifically, the study examined the effects of lack of proper documentation on accessibility of retirement benefits for retirees in Zanzibar, determined the effects of bureaucratic inefficiencies on accessibility of retirement benefits for retirees in Zanzibar and examined the effects of delays in disbursement on accessibility of retirement benefits for retirees in Zanzibar. A sample of 154 retirees was used. Data were collected using self-administered questionnaire and interview. Data was analyzed using quantitative and qualitative analysis. In quantitative analysis descriptive statistics using frequency, percentage, mean and standard deviation was used. Inferential statics was used using correlation and regression analysis where hypotheses were tested. Content analysis was used to analyse qualitative data whereby themes were used for each specific objective. Findings indicated that lack of proper documentation significantly and positively affect accessibility of retiree benefits, bureaucratic in-efficiency significantly and positively affect accessibility of retiree benefits, and delays in disbursement of retiree benefits significantly and positively affect accessibility of retiree benefits.It was concluded that lack of proper documentation, bureaucratic in-efficiency and delays in disbursement of retiree benefits significantly and positively affect accessibility of retiree benefits.It was recommended that ZSSF should ensure that there is proper documentation,efficient bureaucratic procedures and timely payment of retiree benefits. Key words: Retired Employees, Retirement Benefits, Bureaucracy

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