After improving 11 places to 29th globally in the latest release (2018) of the World Bank Doing Business rankings, can Rwanda improve further? Is the country stretched in terms of possible reforms?
In the World Bank Doing Business report that was released at the end of October, Rwanda was ranked at 29, from 41 the previous year.
This represents an improvement of 11 places from last year.
To maintain improvement and further improve on ranking, the government is aiming at rolling out 34 business reforms across indicators in the next year.
Of the 34 reforms, 25 are set to be implemented in the next five months to beat the May 2019 deadline when the World Bank considers implemented reforms.
The ranking considers reforms instituted and implemented to improve the business environment across 11 indicators, and ranks countries by order of the most and impactful reforms.
However, the ranking has often come under scrutiny from some experts as it considers ascension in positions which some say is not a very sustainable measure.
Given the rise of Rwanda on the ranking, some fear that possible reforms are nearing exhaustion, which could lead to lower positioning despite an improvement in conditions.
The reforms will involve reviewing and realigning operations of key agencies including Rwanda Development Board, Rwanda Revenue Authority, Lands Authorities, Ministry of Trade and Ministry of Justice among others.
Other institutions involved include Rwanda Social Security Board, City of Kigali, Rwanda Housing Authority, Association of Architects and Engineers, Central Bank and Rwanda Energy Group among others.
On starting a business, authorities will merge online employee details with business registration details, install EBM Version 2 on RDB website to increase uptake of the software as well as waive the trading license tax (commonly known as patante) on start-ups for twoyears.
This is set to ease tax remittance processes as well as reduce the cost for start-ups in the country.
In dealing with construction permits where the country performed worst at position 106 globally, Rwanda Housing Authority and City of Kigali are moving to reduce high costs and streamline procedures for obtaining construction permits.
Among the procedures to be revised include geo-technological studies, topographic surveys and Environmental Impact Assessment. The authorities will also amend the land policy and law to issuance of freehold titles.
Louise Kanyonga the Head of Strategy and Competitiveness Department at the Rwanda Development Board said that the indicator being the lowest ranking will see review of procedures to reduce costs.
“This was our lowest ranking and we have the largest room for growth. The key reasons is for the low ranking is due to the cost of certain procedures like geo-technological studies, topographic surveys and Environmental Impact Assessment. We are trying to see how we can lower the costs without compromising the integrity of the process,” Kanyonga said.
Under the getting electricity indicator where Rwanda was ranked 68 globally, the processes will be eased by integrating the lands database, and the National ID for authorities to acquire location and address of businesses.
The new process will also involve online application for electricity connection to reduce connectivity times and rehabilitate and develop new power stations and substations to increase reliability of electricity supply.
Property registration processes will also be reviewed in the coming year to amend the land policy and land law to merge issuance of freehold titles and occupancy permits as well as introduce online notarization in property transfers.
Rwanda Revenue Authority will also introduce automatic risk-based system for tax audit to reduce the percentage of cases subjected to tax audit as well as roll out EBM version 2 to all businesses to reduce the time it takes to pay taxes.
Kanyonga said other aspects that will be reviewed in the coming months include trading across borders where there will be a reduction of border compliance documents and time taken to import and export.
The Ministry of Justice has also been tasked to improve resolving insolvency by building a strong insolvency administrators’ association as well as engaging lending institutions to opt for more productive recovery outcomes for financially distressed companies such as restructuring or sale as a going concern.
The private sector welcomed the development but called for speedy implementation in aspects such as construction permits issuance.
The Private Sector Federation Chief Executive Stephen Ruzibiza said that the construction permits issue requires speedy and relevant intervention. He also called on the government to consider promoting arbitration for commercial cases in the area of dispute resolution.
Ruzibiza said that the increased reforms had ensured growing confidence in aspects such as Joint Ventures and partnerships.
Hamidou Sorgo, a senior private sector specialist at the International Finance Corporation noted that there has been an improvement in technical expertise by the government in the handling of reform in recent years. This he said is characterized by the impact of the reforms after improvement.
Rwanda Development Board Chief Executive Officer, Clare Akamanzi said that the new reforms will seek to be private oriented to have maximum relevance and impact.
“Over the next five months we will implement new reforms to ensure that we build on the very solid gains that were made in improving the business environment and make Rwanda an even more attractive place to do business, “she said.
Source: The New Times
Rwanda Social Security Board - Official Website
Rssb.rw is tracked by us since August, 2015. Over the time it has been ranked as high as 345 899 in the world, while most of its traffic comes from Rwanda, where it reached as high as 66 position. Online.rssb.rw receives about 15.21% of its total traffic. It was hosted by Broadband Systems Corporation.
Online.rssb has a decent Google pagerank and bad results in terms of Yandex topical citation index. We found that Online.rssb.rw is poorly ‘socialized’ in respect to any social network. According to Siteadvisor and Google safe browsing analytics, Online.rssb.rw is quite a safe domain with no visitor reviews.
Rssb.rw gets 57.9% of its traffic from Rwanda where it is ranked #70.
Top Ranks
Online.rssb.rw has 255 visitors and 1.56K pageviews daily.
Mutuelle.rssb.rw is the most popular subdomain of Rssb.rwwith 58.53% of its total traffic.
Top Subdomains
15.21%
Online.rssb.rw has Google PR 4.
-
Yandex CY
Metadata Updates Get moreOnline.rssb.rw metadata updates
Top Keywords % of search traffic
No data
Online.rssb.rw is hosted by Broadband Systems Corporation.
IP Whois Get moreOnline.rssb.rw server history
Server Technologies
Nameservers
No data
Safety status of Online.rssb.rw is described as follows: Google Safe Browsing reports its status as safe.
MyWOT
User reviews
Recently analyzed sites:Old Age, Disability, and SurvivorsRegulatory Framework
First law: 1956.
Rwanda Social Security Board Structure
Current laws: 1974 and 2003.
Type of program: Social insurance system.
Coverage
Salaried workers, including temporary, and casual workers; professional and in-service trainees; apprentices; civil servants; political appointees; and government officials.
Voluntary coverage for self-employed persons and for persons who were previously insured for at least six consecutive months and had mandatory coverage in the last 12 months.
Source of Funds
Insured person: 3% of covered earnings; 6% for voluntary contributors.
The minimum monthly earnings used to calculate contributions are the legal monthly minimum wage, which varies by sector.
The monthly earnings used to calculate contributions are subject to a maximum.
Self-employed person: 6% of declared income.
The maximum monthly income used to calculate contributions is 104,000 francs.
Employer: 3% of covered payroll.
The minimum monthly earnings used to calculate contributions are the legal monthly minimum wage, which varies by sector.
The monthly earnings used to calculate contributions are subject to a maximum.
Government: None.
Qualifying Conditions
Old-age pension: Age 55 (younger if prematurely aged) with at least 180 months of coverage. Employment must cease.
The pension is payable abroad only under reciprocal agreement.
Old-age settlement: Age 55 (younger if prematurely aged) and ineligible for the old-age pension.
Disability pension: The insured must be assessed with at least a 50% loss of earning capacity and have at least five years of coverage, including six months of contributions in the 12 months before the disability began. There is no minimum qualifying period for a nonoccupational accident.
Constant-attendance supplement: Paid if the insured requires the constant attendance of others to perform daily functions.
A doctor approved or appointed by the Social Security Fund periodically assesses the disability.
Survivor pension: Paid to eligible survivors if the deceased was a pensioner, met the qualifying conditions for an old-age or disability pension, or had 180 months of coverage at the time of death.
Survivor settlement: Paid to eligible survivors if the deceased did not meet the qualifying conditions for a pension.
Eligible survivors are the widow(er), children younger than age 18 (age 25 if a student, no limit if disabled), and parents (including adoptive parents) if there is no surviving spouse or orphan.
Old-Age Benefits
Old-age pension: The pension is 30% of the insured's average monthly earnings in the last three or five years (whichever is greater) plus 2% of average monthly earnings for each 12-month period of coverage exceeding 180 months.
The minimum monthly pension is 50% of the legal monthly minimum wage, which varies by sector.
Old-age settlement: A lump sum of the insured's average monthly earnings in the last three or five years (whichever is greater) multiplied by the number of years of contributions is paid.
If the insured is entitled to two or more pensions (including work injury benefits), the highest pension plus 50% of the other benefits is paid.
Benefit adjustment: Benefits are adjusted periodically by presidential decree. (The last adjustment was in April 2002.)
Permanent Disability Benefits
Disability pension: The pension is 30% of the insured's monthly average earnings in the last three or five years (whichever is greater) plus 2% of average monthly earnings for each 12-month period of coverage exceeding 180 months. For each year that a claim is made before age 55, the insured is credited with a six-month coverage period.
The minimum monthly pension is 50% of the legal monthly minimum wage, which varies by sector.
Constant-attendance supplement: 40% of the insured's pension is paid.
Benefit adjustment: Benefits are adjusted periodically by presidential decree. (The last adjustment was in April 2002.)
Survivor Benefits
Survivor pension: 50% of the pension the deceased received or was eligible to receive is paid to the widow(er).
Orphan's pension: 25% of the pension the deceased received or was eligible to receive is paid for each eligible orphan; 40% for a full orphan.
The combined receipt of two or more pensions is allowed for full orphans.
Dependent parent's pension (if there are no other eligible survivors): 25% of the pension the deceased received or was eligible to receive is paid to each eligible parent.
All survivor benefits combined must not exceed 100% of the pension the deceased received or was eligible to receive.
Survivor settlement: A lump sum of one month of pension for each six-month period of coverage is paid to the widow(er).
Orphan's settlement: A lump sum of 50% of the survivor settlement is paid to each eligible orphan. The total settlement paid to orphans must not exceed twice the survivor settlement.
Benefit adjustment: Benefits are adjusted periodically by presidential decree. (The last adjustment was in April 2002.)
Administrative Organization
Ministry of Finance and Economic Planning (http://www.minecofin.gov.rw) provides general supervision.
Social Security Fund (http://www.csr.gov.rw), managed by a tripartite council and a director general, administers the program.
Rwanda Revenue Authority (http://www.rra.gov.rw) collects contributions.
Sickness and MaternityRegulatory Framework
No statutory benefits are provided.
The labor code requires employers to pay 100% of wages for sickness benefits for up to 30 days.
The labor code requires employers to pay 66.7% of wages for maternity benefits for up to 12 weeks.
Work InjuryRegulatory Framework
First law: 1949 (private sector).
Current laws: 1974 and 2003.
Type of program: Social insurance system.
Coverage
Employed persons.
Exclusions: Self-employed persons.
Source of Funds
Insured person: None.
Self-employed person: Not applicable.
Employer: 2% of gross monthly payroll.
Government: None.
Qualifying Conditions
Work injury benefits: There is no minimum qualifying period.
Temporary Disability Benefits
75% of the insured's average daily earnings in the three months before the disability began is paid until full recovery or certification of permanent disability, up to 180 days.
A doctor approved or appointed by the Social Security Fund periodically assesses the disability.
Permanent Disability Benefits
Permanent disability pension: If the insured is assessed with a total disability, 85% of the insured's average monthly earnings in the three months before the disability began is paid.
Constant-attendance supplement: If the insured requires the constant attendance of others to perform daily functions, 40% of the insured's pension is paid.
Partial disability: If the assessed degree of disability is at least 15%, a percentage of the full pension is paid according to the assessed degree of disability; otherwise, a lump sum of three years of pension is paid, according to the assessed degree of disability.
A doctor approved or appointed by the Social Security Fund periodically assesses the disability.
Workers' Medical Benefits
Benefits include medical, surgical, and dental care; laboratory services; medicine; hospitalization; eyeglasses; appliances; rehabilitation; and transportation.
Survivor Benefits
Survivor pension: 30% of the deceased's average daily earnings is paid to the widow(er).
Orphan's pension: 15% of the deceased's average daily earnings is paid to each orphan younger than age 18 (age 25 if a student, no limit if disabled); 20% to a full orphan.
Other eligible survivors: 10% of the insured's average daily earnings is paid to each additional eligible survivor.
All survivor benefits combined must not exceed 100% of the deceased's permanent disability pension.
Funeral grant: A lump sum of 100 times the legal monthly minimum wage, which varies by sector, is paid.
Administrative Organization
Ministry of Finance and Economic Planning (http://www.minecofin.gov.rw) provides general supervision.
Social Security Fund (http://www.csr.gov.rw), managed by a tripartite council and a director general, administers the program.
Rwanda Revenue Authority (http://www.rra.gov.rw) collects contributions.
Old Age, Disability, and SurvivorsRegulatory Framework
First law: 1956.
Current laws: 1974 (social security), 2003 (social security), and 2015 (pension schemes).
Type of program: Social insurance system.
Coverage
Salaried workers, including temporary and casual workers; professional and in-service trainees; apprentices; civil servants; political appointees; and government officials.
Voluntary coverage for self-employed persons (affiliation available up to age 50), and for persons who previously had mandatory coverage.
Source of Funds
Insured person: 3% of covered earnings; 6% for the voluntary insured.
The minimum monthly earnings used to calculate contributions are the legal monthly minimum wage.
Self-employed person: 6% of declared income, including base salary, allowances, and other benefits.
The minimum monthly earnings used to calculate contributions are 100% of the insured's previous base salary.
With the insured's approval, the base salary may increase by up to 30% after every three years of voluntary contributions.
Employer: 3% of covered payroll.
The minimum monthly earnings used to calculate contributions are the legal monthly minimum wage.
Government: None; contributes as an employer.
Qualifying Conditions
Old-age pension: Age 60 (younger if prematurely aged) with at least 180 months of contributions.
Employment must cease.
The pension is payable abroad under reciprocal agreement.
Old-age settlement: Age 60 (younger if prematurely aged) with less than 180 months of contributions.
Disability pension: Must be assessed with at least a 50% loss of earning capacity and have at least five years of contributions, including six months of contributions in the 12 months before the disability began. There is no minimum qualifying period for a nonoccupational accident.
Constant-attendance supplement: Paid if the insured requires the constant attendance of others to perform daily functions.
A doctor approved or appointed by the Social Security Fund periodically assesses the disability.
Survivor pension: The deceased received or was entitled to receive an old-age or disability pension, or had at least 180 months of contributions at the time of death.
Eligible survivors include a widow(er), children younger than age 18 (age 25 if a student, no limit if disabled), and parents (including adoptive parents) if there is no widower(er) or child.
Survivor settlement: The deceased did not qualify for an old-age or disability pension.
Eligible survivors include a widow(er), children younger than age 18 (age 25 if a student, no limit if disabled), and parents (including adoptive parents) if there is no widow(er) or child.
Old-Age Benefits
Old-age pension: 30% of the insured's average monthly earnings in the last three or five years plus 2% of the average monthly earnings for each 12-month period of contributions exceeding 180 months is paid. If the insured did not contribute for five years immediately preceding the date of pension entitlement, the average monthly earnings are based on the total number of months of contributions from the last five years of employment.
The minimum monthly pension is 50% of the legal monthly minimum wage.
Old-age settlement: A lump sum of 100% of the insured's average monthly earnings in the last five years of contributions (in the entire contribution period if the insured has less than five years of contributions) multiplied by the number of months of contributions is paid.
If the insured is entitled to two or more pensions (including work injury benefits), each benefit is paid fully.
Benefit adjustment: Benefits are adjusted periodically by presidential decree.
Permanent Disability Benefits
Disability pension: 30% of the insured's average monthly earnings in the last five years plus 2% of average monthly earnings for each 12-month period of contributions exceeding 180 months is paid. For each year that a claim is made before age 60, the insured is credited with a six-month contribution period.
The minimum monthly pension is 50% of the legal monthly minimum wage.
Constant-attendance supplement: 40% of the disability pension is paid.
Benefit adjustment: Benefits are adjusted periodically by presidential decree.
Survivor Benefits
Survivor pension
Spouse's pension: 50% of the old-age or disability pension the deceased received or was entitled to receive is paid.
Orphan's pension: 25% of the old-age or disability pension the deceased received or was entitled to receive is paid for each eligible orphan; 50% for a full orphan.
Other eligible survivors: 25% of the old-age or disability pension the deceased received or was entitled to receive is paid to each eligible parent.
The maximum combined survivor benefit is 100% of the old-age or disability pension the deceased received or was entitled to receive.
Survivor settlement
Spouse's settlement: A lump sum of one month of the old-age or disability pension the deceased received or was entitled to receive for each six-month period of contributions is paid.
Orphan's settlement: A lump sum of 50% of the survivor settlement is paid to each eligible orphan.
The maximum combined orphan's settlement is twice the spouse's settlement.
Other eligible survivors: A lump sum of one month of the old-age or disability pension the deceased received or was entitled to receive for each six-month period of contributions is paid to the surviving parent(s).
Benefit adjustment: Benefits are adjusted periodically by presidential decree.
Administrative Organization
Ministry of Finance and Economic Planning (http://www.minecofin.gov.rw/) provides general supervision.
Rwanda Social Security Board (http://www.rssb.rw/), managed by a tripartite council and a director general, administers the programs.
Rwanda Revenue Authority (http://www.rra.gov.rw/) collects contributions.
Sickness and MaternityRegulatory Framework
First and current laws: 2007 and 2015 (community-based health insurance), 2009 (labor law), and 2016 (maternity benefits).
Type of program: Social insurance (cash maternity and medical benefits) and employer-liability (cash sickness benefits) system.
CoverageRwanda Social Security Board Off
Social insurance (cash maternity benefits): Women in formal employment.
Exclusion: Self-employed persons.
Social insurance (community-based health insurance): Residents of Rwanda.
Social insurance (public health insurance): Employees in the public sector, employees of affiliated private institutions, and pensioners who previously contributed toward medical care.
Special systems for military personnel.
Employer liability: Employed persons, including apprentices.
Exclusions: Temporary and casual agricultural workers, small-scale artisans, household workers, and self-employed persons.
Source of Funds
Insured person
Social insurance (cash maternity benefits): 0.3% of gross monthly earnings.
Social insurance (community-based health insurance): 2,000 francs, 3,000 francs, or 7,000 francs a year, according to socioeconomic category.
Social insurance (public health insurance): 7.5% of the monthly basic earnings for employees, or 7.5% of the monthly pension for retirees.
Employer liability: None.
Self-employed person
Social insurance (cash maternity benefits): Not applicable.
Social insurance (community-based health insurance): 2,000 francs, 3,000 francs, or 7,000 francs a year, according to socioeconomic category.
Self-employed persons may pay a higher premium (at least 10,000 francs a year) for a higher level of access or services.
Social insurance (public health insurance): Information not available.
Employer liability: Not applicable.
Employer
Social insurance (cash maternity benefits): 0.3% of gross monthly payroll.
Social insurance (community-based health insurance): None.
Social insurance (public health insurance): 7.5% of employees' monthly basic payroll.
Employer liability: The total cost.
Government
Social insurance (cash maternity benefits): None.
Social insurance (community-based health insurance): The total cost of premiums for the lowest socioeconomic category; and any deficit.
Transfers from international donors and the special system for military personnel also finance the community-based health insurance scheme.
Social insurance (public health insurance): 7.5% of retirees' monthly pensions.
Employer liability: None.
Qualifying Conditions
Cash sickness benefits (employer liability): Must be currently employed and provide a medical certificate. A medical certificate signed by three medical doctors may be required for sick leave that lasts at least 15 days.
Cash maternity benefits (social insurance): Must be currently employed with at least one month of contributions. Must provide a medical certificate of delivery issued by a recognized health facility.
Medical benefits (community-based health insurance, social insurance): Must have paid premiums for at least 30 days.
Medical benefits (public health insurance, social insurance): There is no minimum qualifying period.
Sickness and Maternity Benefits
Sickness benefit (employer liability): 100% of the employee's salary is paid for up to three months.
Maternity benefit (social insurance): 100% of the insured's daily earnings is paid for 12 weeks: six weeks by the employer and six weeks by social insurance.
Up to one additional month of maternity leave is paid in case of delivery complications certified by an authorized medical doctor.
Workers' Medical Benefits
Community-based health insurance (social insurance): Government health centers, district hospitals, and referral hospitals provide medical services. Benefits include vaccinations, general care, surgery, dental care, X-rays and imaging, laboratory services, rehabilitation services, hospitalization, medicine, maternity care, ambulance fees, and prostheses.
Cost sharing: A copayment is required. (10% of billable costs for services at the district level.)
Public health insurance (social insurance): 85% of the costs for covered medical treatments and prescribed drugs are paid.
Covered treatments include surgical interventions, hospitalization, chemotherapy, medical imaging, laboratory tests, physiotherapy, dental care, eye treatment, limb prosthesis and orthosis, dialysis, and full medical check-ups (for women aged 36 or older and men aged 41 or older).
Dependents' Medical Benefits
Medical benefits for dependents are the same as those for the insured.
Administrative Organization
Ministry of Public Service and Labour (http://www.mifotra.gov.rw/) provides general oversight for the employer liability program.
Rwanda Social Security Board–RSSB (http://www.rssb.rw/) administers the social insurance program.
Work InjuryRegulatory Framework
First law: 1949 (private sector).
Current laws: 1974 (social security) and 2003 (social security).
Akuma has the second worst health and the worst stun in the game, but his extremely high speed and massive damage output more than make up for it. His vortex game is absolutely unparalleled, and is practically the defining point of his playstyle. Ultra street fighter 4 pc gaming wiki. He has so many options at his disposal that the very prospect itself can be downright frightening.
Type of program: Social insurance system.
Coverage
Employed persons.
Exclusions: Self-employed persons.
Source of Funds
Insured person: None.
Self-employed person: Not applicable.
Employer: 2% of gross monthly payroll.
Government: None.
Qualifying Conditions
There is no minimum qualifying period. Occupational diseases and accidents that occur while commuting to and from work are covered.
Temporary Disability Benefits
75% of the insured's average daily earnings in the three months before the disability began is paid until full recovery or certification of permanent disability, up to 180 days.
A doctor approved or appointed by the Social Security Fund periodically assesses the disability.
Social Security Board Sri LankaPermanent Disability Benefits
Permanent disability pension: If the insured is assessed with a total (100%) disability, 85% of the insured's average monthly earnings in the three months before the disability began is paid.
Constant-attendance supplement: If the insured requires the constant attendance of others to perform daily functions, 40% of the permanent disability pension is paid.
Partial disability: If the assessed degree of disability is at least 15% but less than 100%, a percentage of the full pension is paid according to the assessed degree of disability; otherwise, a lump sum of three years of the pension is paid, according to the assessed degree of disability.
A doctor approved or appointed by the Social Security Fund periodically assesses the disability.
Workers' Medical Benefits
Benefits include medical, surgical, and dental care; laboratory services; medicine; hospitalization; eyeglasses; appliances; rehabilitation; and transportation.
Survivor Benefits
Survivor pension
Spouse's pension: 30% of the deceased's average daily earnings in the last three months before the work injury occurred is paid to the widow(er).
Orphan's pension: 15% of the deceased's average daily earnings in the last three months before the work injury occurred is paid for each orphan younger than age 18 (age 25 if a student, no limit if disabled); 20% for a full orphan.
Other eligible survivors: 10% of the insured's average daily earnings in the last three months before the work injury occurred is paid to each additional eligible survivor.
The maximum combined survivor benefit is 100% of the permanent disability pension the deceased received or was entitled to receive.
Funeral grant: A lump sum of 100 times the legal monthly minimum wage is paid.
Administrative Organization
Ministry of Finance and Economic Planning (http://www.minecofin.gov.rw/) provides general supervision.
Rwanda Social Security Board (http://www.rssb.rw/), managed by a tripartite council and a director general, administers the program.
Rwanda Revenue Authority (http://www.rra.gov.rw/) collects contributions.
UnemploymentRegulatory Framework
The 2009 labor law requires the employer to provide severance pay in case of termination for economic or technological reasons to an employee who worked for at least 12 months. One month of the employee's average salary is paid for at least one but less than five years; two months for at least five but less than 10 years, three months for at least 10 but less than 15 years; four months for at least 15 but less than 20 years; five months for at least 20 but less than 25 years; and six months for at least 25 years.
Comments are closed.
|
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |