Utilization of the old age allowance in dhunibeshi municipality

Abstract

This study investigated the utilization of the Old Age Allowance (OAA) One of the financial assistances provided by government of Nepal that effective utilization will helps to achieve the better social security and reduces old age vulnerability. The study's primary objective is to analyze the patterns of utilization of old age allowances across different expenditure categories and to examine the influence of demographic and socioeconomic factors on the allocation of old age allowances. Data for this study were sourced from a structured survey conducted among 112 senior citizens among 560 receiving old age allowances. The survey captured detailed information on demographics, income sources, family composition, and expenditure patterns. Pearson correlation analysis was employed to explore the relationships between food expenses, family size, other family income, and ethnicity. Findings reveal that the Old Age Allowances significantly contribute to the basic needs of the elderly, including food, healthcare, and social participation. However, its impact varies based on family size, other income sources, and ethnic backgrounds. A negative correlation was found between family size and food expenses, indicating that Senior Citizen living in joint families may pool resources more efficiently. And more family support Conversely, a positive correlation between other family income and food expenses suggests that higher income families may afford better quality food. The study concludes that, while the OAA plays a crucial role in supporting the elderly, there are disparities in its utilization influenced by demographic and socioeconomic factors.The study recommends policy adjustments to ensure more equitable distributionand utilization of the allowance. Enhancing awareness about financial management among recipients and integrating additional support services could further improve the program's effectiveness. Policymakers should consider these insights to tailor social protection programs that better address the needs of the elderly in diverse communities. Key Words: Old Age Allowances, Senior Citizen welfare, Family Size, Income, Ethnicity, Social Protection