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Legislation Publications Pension models About project Statistics
Legislation Publications Pension models About project Statistics

1. Introduction

2. Actuary expertise
2.1. Contents of the actuary expertise
2.2. Actuary control cycle
2.3. Actuary expertise tools

3. Basics of the pension legislation of the Republic of Moldova
3.1. General principles
3.2. Social insurance contributions and taxable basis
3.3. Pension types and conditions of their assignment
3.3.1. Old age pensions
3.3.2. Disability pensions
3.3.3. Survivors pensions
3.3.4. Pensions to some categories of citizens
3.3.5. Social pensions/benefits
3.3.6. Pensions paid from the state budget
3.4. Minimal pension and guaranteed minimum
3.5. Pension formulas
3.6. Pension indexation

4. Demographic situation in the Republic of Moldova
4.1. Dynamics of population number and sex/age structure
4.2. Birth rate
4.3. Mortality and life expectancy
4.4. Marriage and divorce rates
4.5. Population natality and reproduction
4.6. Demographic forecast

5. Current macroeconomic situation
5.1. Tendencies of population economic activity
5.2. Development of basic forecast

6. Background information on pension insurance
6.1. Number of pensioners
6.1.1. Analysis of the number of pensioners
6.1.2. Distribution of the number of pensioners by pension types
6.1.3. Sex/age number of pensioners
6.2. Pensioner’ standard of living
6.2.1. Average size of pensions
6.2.2. Compensation of lost wage
6.2.3. Gender differences in pension sizes

7. Modeling outputs

8. Outputs and perspectives of the development of pension system of the Republic of Moldova

9. Annex: Analysis of the risks of the Non-Financial Defined Contribution (NDC) and Financial Defined Contribution (FDC) pension systems
9.1. Principles of the design of NDC pension system
9.2. Principles of the design of FDC pension system
9.3. Experience of applying FDC schemes
9.4. Comparison of NDC and Funded schemes




Pension system of the Republic of Moldova: actuary expertise

4.4. Marriage and divorce rates

In the recent years a considerable growth of the general marriage rates is noticed. It was probably conditioned by the changes in the age structure of population, achievement of the marriage age by quite small cohorts. From the other side, this is conditioned by the population decrease, diminishing the denominator in the calculation of the indicator.

Table 4.18
Dynamics of general marriage indicators in the Republic of Moldova in 1989-2005.


years

Absolute number of marriages

General marriage coefficient
(number of marriages per 1000 persons)

1989

39928

9.2

1999

23524

6.5

2000

21684

6.0

2001

21065

5.8

2002

21685

6.0

2003

24961

6.9

2004

25164

7.0

2005

27187

7.6

The tendency of the increase of marriages is predetermined as in Russia by the fact that the cohorts of the ‘80th, characterized by high birth rate, achieved the marriage age. The marriages are concluded more actively in urban habitats that is related to the migration of rural youth to the cities for education or in search of a job.

Table 4.19
Dynamics of general marriage coefficients of urban and rural population of the Republic of Moldova 1990-2004.

years

Urban population

Rural population

1990

10.3

8.5

1995

7.9

7.2

1996

6.3

5.8

1997

6.3

5.8

1998

6.2

5.8

1999

6.5

6.5

2000

6.3

5.7

2001

6.5

5.3

2002

6.8

5.4

2003

7.7

6.4

2004

7.5

6.6

It is difficult to speak about a stable dynamics of divorce rates. At the same time it is to be mentioned that beginning with XXIst century 100 marriages amounts to 50-60 divorces annually that is about twice higher than at the end of ’80th.

Table 4.20
Dynamics of the general divorce coefficients in the Republic of Moldova in 1990-2005.


years

Absolute number of divorces

General divorce coefficient (number of divorces per 1000 persons)

Number of divorces per 100 marriages, concluded in the same year

1989

12401

2.9

31.6

1999

8913

2.4

37.9

2000

9707

2.7

44.8

2001

10808

3.0

51.3

2002

12698

3.5

58.6

2003

14672

4.1

58.8

2004

14918

4.1

59.3

2005

14521

4.0

53.4

The rural family is traditionally less subjected to a divorce. Although the increase of these indicators is evident and occurs more sharply than in urban families. As result there is a certain approaching of indicators. If the number of divorces per 1000 urban population in ‘90th was by 10-15 times higher than among rural inhabitants, now these indicators vary by about 4 times.

Table 4.21
Dynamics of the general divorce coefficients of urban and rural population of the Republic of Moldova in 1990-2004.


Years

Urban population

Rural population

1990

5.8

0.5

1995

6.9

0.4

1996

6.3

0.4

1997

6.0

0.4

1998

4.9

1.2

1999

4.3

1.1

2000

4.4

1.4

2001

4.9

1.6

2002

6.0

1.8

2003

7.1

1.9

2004

7.4

1.8


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