On April 24-25, 2025, the delegation of the Republic of Tajikistan (hereinafter - TR) visited JSC "United Savings Pension Fund" (hereinafter - the Fund).  The event was supported by the World Bank.

The delegation included representatives of the Social Insurance and Pension Agency (ASZA) under the Government of TR, the Agency for Innovation and Digital Technologies (ITTA) under the President of TR, and the "Social Protection and Economic Integration Modernization Project" implementation group under the Ministry of Health and Social Protection of the Republic of TR. The meeting was attended by representatives of the National Bank of the Republic of Kazakhstan, the Ministry of Labor and Social Protection of the Republic of Kazakhstan, "State Social Insurance Fund" JSC, "Labor Resources Development Center" JSC and the World Bank. 

In his congratulatory speech, Zhanat Kurmanov, the Chairman of the Board of JSC "BZZK" thanked the meeting participants for their interest in the pension system of Kazakhstan, told about its main components and expressed confidence in the effective cooperation of the specialists of the two countries. thanked. He emphasized the importance of introducing digital technologies into all spheres of life, especially pension and social security, and noted that this is currently one of the priority strategic tasks in Tajikistan.

During the seminar, Usmonali Sirojov, the head of the ASZA department in Dushanbe, told about the social and pension security system of the Republic of Tajikistan. Currently, men in Tajikistan retire at 63 and women at 58. Pension payments are calculated for 180 months (15 years) according to the average life expectancy in the country. Insurance and State Pension are assigned based on age, disability and survivorship. Insurance pension consists of pension contributions paid by insured persons for insured persons (25% of the salary of employees of state institutions, 20% of non-state institutions). Also, a pension is assigned to children under 18 who have lost their father or mother.

The Tajik group came to get acquainted with the pension system of Kazakhstan, to pay special attention to its savings components, as well as to get acquainted with the country's best practice in the field of digitalization of pension and social security systems. Topics such as the development of the culture of pension planning, administration of personal pension accounts, types of pension payments were introduced, and the issues of investing pension savings were revealed.  At the same time, special attention was paid to the role of digitization in the implementation of these directions, ensuring cyber-security, development of online services provided by BZZK and other participants of the savings system of Kazakhstan (authorized operators, investment portfolio managers and life insurance companies, etc.). Thanks to the development of modern technologies and close integration with the databases of state structures, all the services provided to the public by the State Agency for Information Security have been digitized. Digitization will make the pension and social system of Kazakhstan more open, convenient and flexible, as well as provide a high level of user experience for all categories of citizens. This was noted by specialists of social organizations of Tajikistan, as well as representatives of the World Bank. The founder and shareholder of BZZK is the Government of the Republic of Kazakhstan through the State Property and Privatization Committee of the Ministry of Finance of the Republic of Kazakhstan. The National Bank of the Republic of Kazakhstan carries out trust management of the pension assets of the Pension Fund. In accordance with the pension legislation, the State Pension Fund takes into account mandatory pension contributions, employer's mandatory pension contributions, mandatory occupational pension contributions, voluntary pension contributions, as well as voluntary pension contributions formed at the expense of the unclaimed amount of guaranteed compensation on a guaranteed deposit transferred by an organization providing a mandatory guarantee of deposits in accordance with the Law of the Republic of Kazakhstan "On Mandatory Guarantee of Deposits Placed in Second-Level Banks of the Republic of Kazakhstan", and maintains its account, ensures the implementation of pension payments does. The Fund also records target assets and target requirements, records and calculates target savings (NT) to target savings accounts, calculates NT payments to the recipient's bank accounts, records NT returns in accordance with the procedure determined by the Government of the Republic of Kazakhstan within the framework of the "National Fund for Children" program (more www.enpf.kz on the website).

Source : https://www.gov.kz/memleket/entities/turkestan-kalasy/press/news/details/990417?lang=kk