The risk of under-insurance in the Finnish statutory pension scheme for self-employed workers: A trajectory analysis

Using unique data on the contribution base, we investigate under-insurance within the statutory pension scheme for self-employed workers in Finland. Under-insurance is defined as the difference between pension-declared income and tax-declared income. The trajectory modelling technique applied has allowed us to estimate the levels of under-insurance for different subgroups and to identify possible explanatory factors. Under-insurance is found to be persistent and large. The analysis reveals six distinctive and homogenous sub-groups of self-employed workers. Close to 84 per cent of these workers pay too little in contributions, often leading to inadequate protection against personal risks. Especially for lower-income self-employed workers, this points to myopic behaviour as regards contributing to the self-employed statutory pension scheme and calls for fine-tuned economic incentives.     

Das internationale Führungsparkett – Herausforderungen,Haltegriffe und hilfreiche Schrittfolgen

Managers and executives are increasingly facing the challenge of being successful in an complex international context. This article explains the specific demands international co-operation poses on leading executives. It offers encouragement as well as methods which could be used as ‘helping grips’ when observing and coming to terms with situations in this special working environment, with the objective of offering the involved players a larger spectrum of possible action. The first part describes concrete action fields of international co-operation that managers should pay attention to in their daily international work. The second part of the article dedicates itself to the fields of intercultural competencies that are helpful for leading executives. The concluding part deals with some highly demanding general challenges of international co-operation, which managers sometimes describe as surprising and overwhelming, and which are therefore good and quite helpful to know in advance.