A PROPOSED FRAME TO IMPROVE ALTERNATIVE INVESTMENT OPPORTUNITIES OF SOCIAL INSURANCE FUNDS FOR ACHIEVING ECONOMIC AND SOCIAL GROWTH

Document Type : Original Article

Authors

1 Faculty of Commerce, Ain Shams University

2 Faculty of Education, Ain Shams University

3 Social Insurance Organization, Cairo

Abstract

This study problem is crystallized in that resources of social insurance cannot achieve its targets or determinants which require reconsidering of the style of investment in a way that guarantees non-losing of political investment decisions. Achieving actual independency for insurance system should be available in order to fulfill its objectives.
The study drives at examining how the elevation of profits of social insurance resources investment for the purpose of elevating level of pension beneficiaries and magnifying the economic benefit in the state through alternative investment opportunities.
Funds of the social insurance could be considered as an Independent variable, while the uses of the social insurance funds in the process of the socio-economic development is a  balanced variables of the Intermediate variables, while the independent variable is presented in improving the alternative investment opportunities for the funds of the social insurance.
Among the most important tools used in the study are social insurance reports (the governmental and private sector) as well as the annual report of the Central Bank during the period from 2000 to 2012. The study found that investment in hypotheses mortgage and securitized is one of the most suitable investment fields of the resources of social insurance. The study also concluded that the investment of whole and permanently social insurance funds is lower than the average yield in the prevailing market rate of return. The study recommended evaluating and assessing the investment policy of the social insurance funds efficiently on a regular basis.

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