The funeral grant of civil servant old-age or invalidity pensioner who dies while receiving a pension is paid, upon request, primarily to his/her spouse. If there is no spouse, to his/her children. If there is no spouse and children, to his/her parents. If there is no parents, to his/her siblings. If there are no siblings, to those who certify that they have incurred expenses up to the amount of the invoice, not exceeding the amount of funeral grant to be made.

Risk management is the process of identifying, analysing, accepting, mitigating or transferring uncertainty in investment decisions. Fund managers apply risk management by analysing and attempting to quantify the potential loss of an investment and then acting accordingly.

The Social Security Institution (Sosyal Güvenlik Kurumu – SGK) of Türkiye pays pensions to approximately 16 million people every month. There are different types of insurance within the scope of the current law in our country. Payments to retirees are made on different days of the month (1st group on 17-26 of each month, 2nd group on 26-28 of each month, 3rd group on 1-5 of each month). Inappropriate payments frequently occur due to death-related reasons. The aim of this project is to reduce inappropriate payments and increase efficiency in payments.

In the Turkish social security system, some of the in-cash benefits are temporary incapacity allowances, funeral grants, breastfeeding grants, celiac and metabolic diseases payments, and disposable Underpad Payments. Those payments are made directly to individuals’ bank accounts.

The DG Universal Health Insurance (DG UHI) established under the Social Security Institution (Sosyal Güvenlik Kurumu – SGK) of Türkiye develops policies and regulates the universal health insurance sector, which concerns almost the entire Turkish population.

Institutions are being transformed thanks to the integration of new technologies. This vision represents a corporate change with a social impact, reducing costs, simplifying processes and procedures, and raising awareness of the importance and benefits of this transformation.

The idea of setting up self-service areas in Pension Fund of Morocco (Caisse marocaine des retraites – CMR) receptions stems from a desire to offer users open access to the CMR’s digital services, while ensuring reception and orientation staff are on hand to provide support and guidance in their use.

This type of space offers a range of digital services, enabling users, for example, to access their data, monitor the status of their files, and editing or uploading requested documents.

Open Lab is an innovation space created by the Pension Fund of Morocco (Caisse marocaine des retraites – CMR), based on an ecosystem-oriented business model. It relies on the collective intelligence of participants (collaborators, users, partners and other stakeholders) to design and test innovative solutions to the “pain points” encountered by users and/or to develop new services or products, improve internal processes and implement new methodology.

Article 12 of Law No. 5508 on the Promotion, Protection of Maternity and Support for Breastfeeding establishes that maternity allowance should be paid to employed women by the social security scheme of Paraguay’s Social Insurance Institute (Instituto de Previsión Social – IPS). This amount is equivalent to 100 per cent of her salary at the time of delivery, and is paid for the prescribed months of rest. This used to be given to women in a single payment.

In 2022, Morocco’s CDG Prévoyance signed an agreement with the State to manage the Tayssir Programme, one of the country’s most important welfare programmes, dedicated to reducing the rate of school drop-outs among the most vulnerable segments of the population.

Pension refers to regular cash payments made to pensioners by the Social Security Institution (SGK) once every month. Central payments include payments other than pension. The purpose of this distinction is to eliminate the grievance caused by the waiting period between the monthly payment date and the monthly receipt date.

Central Payments include following items:

The issue of population growth and social security planning is one of the biggest challenges facing governments today, and is a key part of a good social security system that instils confidence in its members.

The Retirement and Pension Fund for Employees of Banks and Related Institutions (Caja de Jubilaciones y Pensiones de Empleados de Bancos y Afines) (Bank Fund, hereinafter) is in constant communication with its members. It therefore continuously updates its databases, in order to have a better understanding of members’ current realities, experiences and needs.

With a view to strengthening its communication with beneficiaries, and as a straightforward way of making them aware of their rights and responsibilities, the Pension Fund of Morocco (Caisse marocaine des retraites – CMR) has produced a series of animated clips entitled “أجي نفهموا التقاعد” in Moroccan Arabic, or “Let’s understand retirement” in English.

Digital transformation is happening in institutions through the integration of new technologies. This vision represents an institutional and social change, optimizing available resources, reducing costs, shortening processes and procedures, and raising awareness of the importance and benefits of this transformation.

Those who do not have a workplace registration at the Social Security Institution (Sosyal Güvenlik Kurumu – SSI) and want to benefit from state aid, incentives or supports, will be able to get an “e-Government Application for Workplace Registration and Social Security Debt Status” document from the e-Government Application through the use of internal and external web services.

The royal project to expand social security coverage in Morocco was launched in accordance with Framework Law No. 09-21 on social protection. The implementation of the royal project to expand social security coverage has been entrusted to the National Social Security Fund (Caisse nationale de sécurité sociale – CNSS), a major player in social protection in Morocco and will take place in line with a staggered implementation schedule.

For the population groups:

Social Security Institution (Sosyal Güvenlik Kurumu – SSI) of Turkey makes monthly payments to 13 million pensioners through a centralized payment system. In this payment system, the bank account information that the pensioners request to receive the pension is obtained at the time of application. Some deductions are made legally from the pensions of pensioners. Examples of these deductions are enforcement of debt payments, alimony payment, healthcare co-payments for treatments and medications, tax and premium debt deductions, excessive or undue payment made for any reason.

Since unregistered employment among women in Türkiye is very high compared to developed European countries, the EU-supported “Operation on supporting registered women employment (Women-Up)” has been started by the Social Security Institution (Sosyal Güvenlik Kurumu – SGK) in 2021.

Morocco’s Supervisory Authority of Insurance and Social Welfare (Autorité de contrôle des assurances et de la prévoyance sociale – ACAPS) has developed a simulation software package specifically for basic medical coverage in order to strengthen its supervisory mission, to support bodies charged with managing basic compulsory health insurance (CHI) schemes, and to respond to requests for technical advice from other institutions.

Good practice in health – service quality.

As health-care systems have evolved to become more complex and due to the resultant increase in patients coming to harm in health care settings, patient safety has emerged as a health-care discipline.

International students are eligible for universal health insurance if they request it within three months of their first registration with the school.

These requests, which were previously made by submitting three different documents to Turkish Social Security Institution (Sosyal Güvenlik Kurumu – SGK) units, are now made online without any documents.

The Actuarial Advisory Office (Asesoría Actuarial) of the Social Insurance Institute (Instituto de Previsión Social – IPS) carried out an actuarial valuation of the Common Retirement and Pension Fund (Fondo Común de Jubilaciones y Pensiones). The valuation looks to comply with international best practices and observe the guidelines and standards of the International Standards of Actuarial Practice 2 (ISAP 2), and the ISSA-ILO Guidelines on Actuarial Work for Social Security, with technical support from the International Labour Organization (ILO).

Like most of the world’s countries, Paraguay has adopted lockdown measures to prevent the spread of COVID-19. These steps taken by the government have impacted the productive sector, leading to mass suspensions of employment contracts for persons insured with the Social Insurance Institute (Instituto de Previsión Social – IPS) of Paraguay.

As part of the measures adopted to help limit the spread of the COVID-19 pandemic and in order to avoid any risk of resource disruption for beneficiaries, Morocco’s CDG Prévoyance, which is responsible for managing the National Pension and Insurance Fund (Caisse nationale de retraites et d’assurances – CNRA) and the Collective Pension Scheme (Régime collectif d’allocation de retraite – RCAR), set up a new system to simplify entitlement checks through the exchange of data with institutional partners and on digital platforms.

Paraguay’s Social Insurance Institute (Instituto de Previsión de Social – IPS) used to make sick leave payments at its administrative offices, which had associated administrative costs and meant beneficiaries had to visit the IPS service counter in person.

Morocco’s CDG Prévoyance ensures the technical and financial management of more than 25 pension schemes and solidarity funds that are extremely diverse in terms of groups covered, size and technical make-up.

This diversity makes the effective management of data a prerequisite in the financial management of these schemes and funds, which involves a wide range of information emanating from a variety of sources.

Morocco’s Interprofessional Retirement Fund (Caisse interprofessionnelle marocaine de retraites – CIMR) has developed a new, cutting-edge technology to offer its pensioners enhanced security and comfort. Pensioners affiliated to the CIMR can now provide proof of life at a distance, from the comfort of their own homes. They need simply make use of the CIMR DIALCOM mobile application, complete with dynamic-selfie facial recognition software.

The mission of Morocco’s CDG Prévoyance is to honour, as effectively as possible, the financial commitments of the schemes it manages. This necessarily involves the definition of an investment strategy capable of achieving the return and risk objectives that have been set. Roll-out of the strategy requires benchmarks to be established and shared with the external managers who have been charged with its implementation.

The refugee crisis triggered by the Syrian conflict has turned into being one of the top priority agenda items of international communities in the last years. Initially seen as a humanitarian emergency case, the mass migration of Syrians into neighbouring countries has brought new questions on their integration, development and burden-sharing.

As part of its digitization strategy, the Pension Fund of Morocco (Caisse marocaine des retraites – CMR) has developed an IT platform called “e-retraite CMR” for the paperless management of pension files. This platform serves as a data exchange interface between the CMR and employers, enabling the latter to scan pension records and transfer them to the CMR as well as monitor, in real time, the status of these files. It also keeps stakeholders and clients abreast of developments in their files.

Forum theatre is a form of theatre created in the 1960s by a Brazilian playwright and director to help fight all kinds of oppression existing in human societies. The Pension Fund of Morocco (Caisse marocaine des retraites –  CMR) drew inspiration from this type of theatre to develop a communication channel in order to change public perceptions with regard to:

Temporary incapacity for work allowance is the cash benefit paid due to work accidents, occupational diseases, sickness and maternity, and for the periods when the insured is not working under the conditions of Law No. 5510.

In addition, breastfeeding grant is paid as a one-off payment for each live birth to the insured or pensioner (uninsured wife of insured or of pensioner).

In Turkey, the Individual Pension Savings and Investment System Law No. 4632 stipulates that all employees under the age of 45 must be covered by the individual pension system at least once in their career. Prior to the automatization of the system, the amounts that were deducted from the salaries had to be manually transferred to the system and manually monitored every month.

The INST-CARE Project is mainly about supporting women employment by facilitating access to institutional childcare services. The objective is to support registered women employment with a cash transfer that partially covers institutional early childhood education and care (ECEC) costs (including basic fee, school service, food and stationery fee).

Supporting Registered Employment of Women through Promoting Educated Childcare Givers Operation (EDU-CARE) is about supporting certified caregivers and promoting registered employment of women. Financial support is provided to working mothers at risk of withdrawing from the labour market and who employ educated nannies. It is designed to promote the childcare giver profession and qualified women employment.

A particular feature of Morocco’s Deposit and Management Fund (Caisse de Dépôts et de Gestion – CDG) is that it performs financial management activities both on its own account and on behalf of the provident funds and schemes that it manages through its provident fund, CDG Insurance (CDG Prévoyance), which directly manages social security funds for the CDG group.

The remit of Morocco’s Deposit and Management Fund Insurance branch (Caisse de Dépôt et de Gestion Prévoyance – CDG Prévoyance), hereafter referred to as CDG Insurance, is to consolidate operational capacities in the field of provident funds so as to support the State in managing the pension schemes and solidarity funds that fall under its mandate.

The remit of Morocco’s Deposit and Management Fund Insurance (Caisse de Dépôt et de Gestion Prévoyance – CDG Prévoyance), thereafter referred to as CDG Insurance is to consolidate operational capacities in the field of provident funds so as to support the State in managing the pension schemes and solidarity funds that fall under its mandate. CDG Insurance serves around a million clients (affiliates, beneficiaries and members) with whom it is in constant contact.

Morocco’s Deposit and Management Fund Insurance (Caisse de Dépôt et de Gestion Prévoyance – CDG Prévoyance), hereafter referred to as CDG Insurance, manages a diverse range of provident fund products. It must respond, within a reasonable timeframe, to public authority requests regarding the management of new funds and products. It is in this context that it launched, in 2017, an ambitious project to develop a business model to standardize how provident fund objects are defined and the relationships between them, regardless of the product in question.

Various contracts have been signed between the Social Security Institution (Sosyal Güvenlik Kurumu – SSI) of Turkey and public/private institutions and organizations regarding the supply of external prosthesis-orthoses, hearing assistive medical equipment, vision assistive medical equipment and medical consumables, which are among the medical equipment used by our universal health insureds during their outpatient treatment.

Among its peers, the Pension Fund of Morocco (Caisse marocaine des retraites – CMR) is innovating with the implementation of this good practice. In this respect, it is the only social security institution amongst the Moroccan Pension Funds and Insurance Companies to undergo certification, for the long term, of its internal process for social security fund investment to ensure maximum transparency and commitment in the exercise of this activity, with the aim of obtaining a label of excellence accredited by independent certifying offices.

In accordance with good practices concerning the governance and investment of social security funds, Morocco’s Deposit and Management Fund Insurance (Caisse de Dépôt et de Gestion Prévoyance – CDG Prévoyance), hereafter referred to as CDG Insurance, tasked with managing social security funds, makes systematic use of an annual external audit of its financial management conducted by a specialized external audit firm.

Since the reorganization of the Pension Fund of Morocco (Caisse marocaine des retraites – CMR) in 2011, which placed the client at the forefront of its concerns, the Fund’s “client relationship” has changed considerably, in particular owing to the introduction and use of a marketing and multichannel approach.

In 2016, the CMR witnessed:

A project team consisting of participants from many different units was formed. Based on the SAS Enterprise Guide and SAS Enterprise Miner, and with the help of the tables kept in the database of our institution, the Social Security Institution (Sosyal Güvenlik Kurumu – SSI) of Turkey, 1,346 workplaces that were confirmed to be fake by audit reports between 2011 and 2016 were used as learning data. The behaviour patterns of these workplaces were examined, and formulas with nearly 100 parameters were developed to effectively detect bogus workplaces.

The medical devices list included in the Health Application Notification (SUT) are the basis for reimbursing medical devices. In the medical devices list, all the medical devices to be reimbursed are presented. On the other hand, since health service providers define their own medical devices, there is no application standard.  

The General Mutual Fund for Civil Service Employees (Mutuelle générale du personnel des administrations publiques – MGPAP) is keen to secure the sustainability of the financial system and to ensure that it is managed in a modern and efficient way, and has therefore embarked on an ambitious project to reform the expenditure process with the aim of guaranteeing maximum transparency, rationality and good governance.

Prior to the introduction of the Collective Scheme for Retirement Allowances (Régime collectif d’allocation de retraite – RCAR) in 1978 and in the absence of a statutory retirement scheme to cover them, several public establishments in Morocco managed their own retirement funds (special schemes, railway workers, mining personnel, water and electricity managers). This however suffered from the following limitations and drawbacks:

With this project, we aimed to ensure insurance registration (which has been quite troublesome) and collect contributions by short message service (SMS). Through this, we have been able to inform the insured person, register the daily insurance premium, and reflect this on the operator’s (employer) telephone bill. The transaction amount is reflected on the mobile bill of operator and transferred to the Social Security Institution of Turkey (Sosyal Güvenlik Kurumu – SGK) by the mobile telecommunication companies, namely, Turkcell, Vodafone or Türk Telekom.

Thanks to the adaptation of today’s developing technology to the Social Security Institution (Sosyal Güvenlik Kurumu – SSI), a number of reforms were made in order to facilitate transactions, save time and money by getting rid of bureaucratic obstacles and paperwork, and support the fight against unregistered and undeclared employment.

Faced with the disparity and geographical decentralization of its members and poor medical coverage, the General Mutual Fund for Civil Service Employees (Mutuelle générale du personnel des administrations publiques – MGPAP) has developed its local activities through two projects:

1. Local medical programmes.
2. Expansion of geographical presence through partnerships with the local authorities and government.
    

The good practice is mainly about promoting the registered employment of women by facilitating the integration into the labour market of women with small children who are at risk of withdrawal from the labour market and by supporting the formal work of women who provide home-based child-care services.

Temporary Incapacity Allowance Programme (e-Payment) is a software which the Turkish Social Security Institution put into operation in July 2012 especially for insured persons who have a service contract with one or more employers. In August 2015, it was upgraded to also include the self-employed.

This programme:

According to Law No. 5510 (Social insurance and Universal Health Insurance Law) some short- and long-term ınsurance benefits and similar payments, called 'Personal payments’ are paid through the beneficiaries' ID number on the 8th-14th days of a month. If someone who has payments sent to the bank misses these pre-determined days, the benefits are sent back to the SSI’s accounts. This process is repeated every month until the individual receives the payment.

Social Security Agreements Healthcare Entitlement Verification System (YUPASS as Turkish abbreviation) is a provision and activation system established for the insured persons of the countries with which Türkiye have a social security agreement to benefit from healthcare services during their stay or residence in our country. It works in integration with some of the online systems namely the National Identity Sharing System (KPS), Healthcare Reimbursement System Medical Ulak (MEDULA), Healthcare Entitlement Verification System (SPAS) and Financial Management Automation System (MOSIP).

The integration of student certificates to the Health Benefits Rights Programme (SPAS) involves the electronic flow of data between the Turkish Social Security Institution (SSI) and both the Higher Education Institution (YÖK) and the National Education Ministry (MEB) on up-to-date student certificates.

The groundwork to develop the software started at the beginning of 2013, and finished at the end of 2013, but the entire project was completed in February 2014 and the flow of data on student certificates began electronically.

Provision 18 of the Social Insurance and Universal Health Insurance Law (Code Number 5510) states that temporary incapacity allowances may be paid by employers by deducting the amount from their premium (contribution) payments.

The programme implements the deduction between the Turkish Social Security Institution and employers who signed a specific protocol with the SSI on the acceptance of the automatic deduction via e-payment (for the Temporary Incapacity Allowances) programme.

In 2012, as part of its paperless strategy, Morocco’s Interprofessional Retirement Fund (Caisse interprofessionnelle marocaine de retraite – CIMR) launched an e-signature application entitled “E-parapheur”. This electronic signature system was established with a view to securing the payment process through the creation of a paperless workflow for signing bank transfer orders for the payment of retirement benefits and purchases.

In order to prevent this exploitation, the "Biometric Identity Verification System" has been introduced in private and university hospitals. This new system has been put into practice first in twenty provinces (Agri, Amasya, Bartin, Bilecik, Bingöl, Bitlis, Burdur, Çankiri, Igdir, Karabük, Karaman, Kastamonu, Kilis, Mardin, Mus, Nevsehir, Nigde, Sinop, Sirnak, Yozgat) within the time period from 15.09.2012 to 15.10.2012. Implementation has started in the other 61 provinces in the time period from 15.11.2012 to 01.04.2013.

Before e-prescription, usage of manual prescriptions in the reimbursement procedure placed a burden on health-care service providers, pharmacies and the SSI as 1,200,000 to 1,500,000 provisions had to be given daily from the MEDULA pharmacy application. With the commissioning of the new application on 1 January 2012 across Turkey, the process of recording prescriptions in an electronic environment was initiated instead of manual prescriptions. JAVA and DB2 databases were used in the project. Various seminars and meetings were held for the users.

All processes in the provision of glasses, like tendering, ordering, shipping, purchasing, stock recording, orders to a patient, invoicing and payment have been provided electronically. Moreover, insurance holders, manufacturers, main optical suppliers and vendors, the Ministry of Health, the Social Security Institution, and the Public Procurement Agency share responsibility electronically.
The new barcode which has already been applied for the drug tracking system is being used for a pilot scheme for tracking medical devices in the optics area.

The Temporary Incapacity Allowance Programme is software which:

This programme displays the rights to health benefits by using only the citizen identification number and date. The aim of this programme is to give a good service to universal health insurance holders by using the electronic information on pensions, registration, citizenship identification and premiums and thus remove paper-based applications and burdensome visits to the Social Security Institution.

This programme will be used by health-care service providers all over the country; in other words the hospitals, pharmacies and opticians.

Therefore it was decided to sign contracts with the public health-care providers, including custom-made orthesis-prosthesis production centres, and on 27 November 2012 the contract was formally announced on the SSI's web site. Before the announcement, the draft contracts were discussed in workshops with representatives from the orthesis-prosthesis production centres. The information system was updated with the requirements for these contracts.

The Collective Scheme for Retirement Allowances (Régime collectif d’allocation de retraite – RCAR) has introduced a fully computerized and versatile multi-scheme, multiproduct organizational and technological management platform, consisting of a multi-channel Customer Relations Centre (agencies, a call centre, web/mobile, social networks), a multiproduct Payment Centre, and a computerized Back Office that is integrated with RCAR’s partners.

Good governance on Fund financing requires a set of regular checks including proof of life.

In this context and in anticipation of a national and computerized civil register allowing death investigations, the Pension Fund of Morocco (Caisse marocaine des retraites (CMR)) has adopted an innovative practice based on pension provision control in the beneficiary's bank branch. Thus, targeted pensioners simply go to their usual bank branch to get their pensions by e-mandate. This release is therefore treated as a proof of life.

The Pension Fund of Morocco (Caisse marocaine des retraites (CMR)) ensures the financial equilibrium of the pension schemes it manages by preparing actuarial balance sheets that are presented annually to its Board of Directors. The balance sheet results help decision-makers assess the scheme's financial sustainability and take decisions on steering the system or adjusting the parameters.

The Employee Suggestion System developed by the Social Security Institution (Sosyal Güvenlik Kurumu – SGK) in Turkïye is aimed to receive and effectively evaluate suggestions that will contribute to institutional development, based on the knowledge, skills and experience of the institutional staff. It is a system that includes receiving, evaluating, implementing and monitoring suggestions that increase the service efficiency, effectiveness and improvement of the personnel on matters related to the fields of activity of the institution.

It was decided to create a new system in which each stakeholder's agreement is provided. To that end medical device lists are requested from specialist doctors' associations. The collected draft lists are discussed in meetings with scientific commissions and sent to the Pharmacy and Medical Device Institution of Turkey under the Ministry of Health, which is responsible for Medical Device regulations in Turkey. Lists by branch are announced and firms are requested to match their products with the most suitable reimbursement code if it exists.

In subparagraph (c) of the first paragraph of Article 58 of the Turkish Social Security Institution (Sosyal Güvenlik Kurumu – SGK) Central Organization Working Regulation: “To collect, analyze and interpret information and data regarding the management of the Institution and the improvement of services and performance.”

In order to achieve the targets desired to be achieved in the provincial organization in line with its duty, it measures and reports the extent to which the determined performance targets have been achieved

The Pension Fund of Morocco (Caisse marocaine des retraites – CMR) is managed by a tripartite Board of Directors. In 2001, a Permanent Committee was put in place to prepare Board sessions and monitor the implementation of decisions and resolutions of the Board. In addition, the Board created two support committees in 2011 to strengthen the governance of the Fund: the Asset Allocation Committee and the Audit Committee.

The comprehensive approach includes training, grants, IT solutions, working groups of public and private sector representatives, academic support, and field studies.

The first phase was completed in June 2012:

The system has been implemented for more than two years. Our institution is open to the suggestions of about 26,000 staff.

The system, along with the appropriate methods for collecting staff suggestions, evaluating, and contributing to the personal development of our staff, aims to increase the quality and efficiency of our institution.

Financial performance certification is a commitment by the Pension Fund of Morocco (Caisse marocaine des retraites (CMR)) since 2009 concerning its governing bodies. This practice is part of the management reserve fund's modernization (FDR: fonds de réserve) scheme.

In fact, the CMR opted, without regulatory constraint, for the performance certification of the various pension plan portfolios it manages. It is an annual total portfolio and asset class financial performance audit by an independent expert.

The Social Security Institution (SGK), at which the database of all health institutions in Turkey are kept, does not only have a strategic importance but it is also one of the biggest institutions in Turkey thanks to its gradually increasing data base size. The SGK renders active service to over 50 million Turkish citizens.

With the 5502 Social Security Institution Law, the Social Insurance Institution, the Retirement Fund and Bag-Kur (for the self-employed) were unified under one roof in Turkey. The merge aimed to create a system which includes and composes equal social security and insurance rights and obligations, to sustain a financial structure for the whole population. The creation of a new social security system also created problems in public because of the changes in rights and obligations. Therefore, giving correct information to questions of public about their rights and obligations is essential.

The volume of financial transactions arising from these payments amounts to approximately 250 billion USD. This high volume of transactions obliges our institution to create a well-functioning financial management and automation mechanism that enables us to provide better services.

The Collective Scheme for Retirement Allowances of Morocco (Régime collectif d'allocation de retraite (RCAR)) launched a vast modernization undertaking in 2004 named the "Excellence Programme". The corruption prevention device was one of the bases for this endeavor. Since then, the RCAR has made considerable efforts to establish transparency and to develop services with high added value.

The analysis carried out by the General Directorate revealed that many processes and requests for too many documents were unnecessary and were the main reason for having an unnecessarily long application period. In 2008, several legal changes were introduced to address this issue. Hence, requested documents were simplified and unnecessary phases in the assessment of applications were abolished.

The objectives were to:

The Directorate of Workers 19 Social Protection (Direction de la Protection Sociale des Travailleurs (DAPS)) developed the ATLAS software as part of the reflection on and reform of pension schemes in Morocco. It is designed to respond to the specificities of Moroccan pension schemes. It can be used to develop projections that will assist in piloting these schemes by producing:

It opted for total quality management. The American BALDRIGE system, ISO 9001 and FDX 50-176 were chosen as reference models, together with COBIT, ITIL, CMMI and PMBOK.

In general, there are four web services used by hospitals to integrate to their health information management systems. The last version of the MEDULA system was implemented on 01.04.2009 with no problem. Design of the system is done by SSI personnel and any outside source was used.

The scoreboard is a management tool designed to assist decision-making. It groups performance indicators concerning the financial and demographic status of a pension scheme as well as equity and intra- and inter-generational solidarity, in the form of a structured and synthetic report. It enables decision-makers to keep track of the evolution of the system they are managing, to detect possible threats and take the necessary decisions at the appropriate time.

This project has been developed based on an agreement between the Ministry of Finance, the Ministry of Health and the Ministry of Labor and Social Security for the purpose of "Strengthening of Health Services Finance Management and Infrastructure development." UBB uses international standards of the United Nations Standard Products and Services Code (UNSPSC) and the Global Medical Device Nomenclature (GMDN) for the nomenclature and classification.

Thanks to its ambitious strategic plan and its Excellence Programme, the Collective Scheme for Retirement Allowances of Morocco (Régime collectif d'allocation de retraite (RCAR)) implemented a fully flexible multichannel customer relationship system, to anticipate and meet the expectations of the government, its customers and its partners.

Since its reorganisation in 1996, the Pension Fund of Morocco (Caisse marocaine des retraites (CMR)) has managed civil service pension schemes and services on behalf of third parties. The CMR follows a multi-annual strategic planning process, characterized by a multidimensional, balanced distribution of its objectives into five areas of focus: governance, finance, process, resources and clients.

Within this framework, the Collective Scheme for Retirement Allowances (Régime collectif d'allocation de retraite (RCAR)) has clarified its mission and defined its vision in order to play a major role in the nationwide project to modernize the national economy and to participate actively in the modernization of the pension sector in particular.

The RCAR set up a link between its IT corporate system and its institutional site in 2003. This enabled its employer clientele to consult their financial records, its members to visualise their status and its pensioners to find out their payment status. Today, the RCAR sees the WEB as a particularly effective channel for communication and distribution. The RCAR has recently restructured its site completely, changing the graphics and functions in order to make it more user-friendly, richer and more robust.

The conditions under which pensioners collected their pensions in Moroccan post offices and over the counter of the Royal Moroccan Treasury offices were felt to be very difficult, so the CMR launched a programme to dematerialise payment operations through the introduction of protocols governing the use of EDI platforms in banks, the Moroccan Post Office and the Treasury.

The increase in the number of transactions carried out via the Fund's web site is proof of the demand for these services. It rose from 310 in 2003 and 878 in 2004 to 60,220 in 2005 and 227,495 in 2006. In 2007 and the 1st semester of 2008 it rose to 92,980 and 63,564, respectively.

Our aim was to stimulate and enhance the value of the capital of knowledge and skills within the organization, not just sharing information but also ensuring that the right information was in the right hands at the right moment for more effective decision-making. This type of knowledge management was greatly facilitated by Net-based progress in terms of the collective management of documents and team working.

The main objective is to align its plans of action and projects with its profession based strategy in order to create added value for actors involved in the scheme. Two main levers have been chosen in order to achieve this, organisational quality and control of administrative costs.

These levers have been introduced within the framework of a total quality management (TQM) system.

This portal, which has been in service since 2003, enables enterprises which are members of the CNSS to submit their salary declarations and pay their social contributions online under well established secure conditions.

The new service offers the following advantages: transparent and reliable data, protection of salaried workers' rights, and fewer complaints and disputes.

Since reforms of its scheme were implemented in 2003, the Interprofessional Retirement Fund (Caisse interprofessionnelle marocaine de retraite – CIMR) of Morocco has created its steering committee, composed of managers and senior members of the institution, which is aimed mainly at proposing to the Administrative Council all necessary measures to maintain the sustainability of the Fund over the long term, on the basis of updated financial and actuarial projections.

CDG Prévoyance, a branch of Morocco’s Deposit and Management Fund (Caisse de dépôt et de gestion – CDG), is responsible for managing two institutions: the National Pension and Insurance Fund (Caisse nationale de retraites et d’assurances – CNRA) and the Collective Pension Scheme (Régime collectif d’allocation de retraite – RCAR). Its primary mission is to ensure the management of pension schemes and solidarity funds, while contributing to the country’s economic, social and human development.

As part of its social mission, Morocco’s CDG Prévoyance manages, by way of the National Pension and Insurance Fund (Caisse nationale de retraite et d’assurances – CNRA), a public institution guaranteed by the State, a multitude of schemes and solidarity funds covering various categories of beneficiary. As such, the CNRA is responsible for collecting the constituent capital, which is calculated according to rates imposed by legislation.