The Scheme commenced in the year 2002 under the instruction and leadership  of Rev. Bishop Elkana Salamba. During inception a lot teething problems were encountered and a number of people offered to give a hand here and there;
1.    The late Rev Kiplimo
2.    Mr. Isaya Kipsang
3.    Rev. Peter Ondieki
4.    Rev. Nathan Ondego

Rev. Ondego became the advisor of the scheme at inception, sourcing information from the Regulator the would be service providers and the members on how best the scheme would be established. When all had been done the Scheme was registered in 2006 and Rev. Ondego became the Administrator in 2008.

WHAT IS A PROVIDENT FUND?
A provident fund  is an investment fund that is jointly established by the employer and employee to serve as a long term savings to support an employee when he/she finally retires from employment.  At inception the employer should do so squarely with the welfare of the employee at heart. The employer should support the scheme and remain as a watchdog towards the Administration of that scheme.

It is the duty of an employer to establish a Provident Fund and thereafter transfer the management to Trustees who should carry out that management in fiduciary basis.
Sources of money invested in the provident fund:
1.    An amount will be deducted from the employee's monthly salary. (For PAG Scheme) a Pastor will surrender 5% of his/her wages.
2.    The Assembly where the Pastor serves will contribute another 5% and give to the Pastor as the employer's contribution towards the retirement saving of the Pastor.
3.    The Pastor will then carry both his/her contribution have it written down in a Mhutasari and pass it over to his/her respective District overseer for onward transmission to the PAG Head quarter.
4.    The PAG HQ will then compile a list of all Pastors in the Country and make one Cheque of all the contributors payable to the Scheme. Once this is done the contributors saving becomes safe.

However due to unavoidable circumstances and due to the loss that has been registered at the PAG Headquarters level, the Scheme advised members topay Direct to the scheme so that their contribution would be invested and made secure till retirement. In this regard the procedure is;
1.    The Pastor receives his salary from his respective Assembly. He then deducts from himself a 5% of his salary and hands it back to the Assembly Treasurer.
2.    The Assembly Treasure from the assembly tithe deducts an amount equivalent to the Pastors 5% and adds the 5% remitted by the Pastor and both becomes 10% of the Pastors salary. This 10% calculates to the Pastors Retirement saving.
3.    The Pastor then takes the 10% to the District overseer property itemized as Provident Fund (PF)
4.    The District overseer then banks the Pastors saving of 10% direct into the Scheme account held by a Bank recognized by Retirement Benefit Authority.

At this juncture the Pastors savings is safe till retirement. The long journey through the PAG Executive proved fatal to the member.
Money placed in a provident fund will be managed by an investment management company which will invest that money in various securities to maximize the financial returns.
The fund is a unique legal entity which is fully separated from the employer and the investment management company. It is important for members to note that if the employer becomes financially insolvent, the fund's entire assets continue to belong to the employees or provident fund members and not affected by any liabilities the employer may have.
Returns 

The Scheme fund shall at all time be invested in accordance to the RBA act, the regulation and the Trust Deed and the return from such investment is the property of the members who must see such extra returns through a yearly statement.
Let each one of the Members of PAG Save and save correctly for a better tomorrow.
Rev. Nathan
Administrator.


I started this scheme in the year 2002 with one interest that I avert the losses that had been incurred by my predecessors. I had a vision that will be achieved on cooperation of all stake holders; The Sponsor, The Members, The service providers and the Retirement Benefit.

At inception there were several set backs; the fund was run entirely by the Church management without external control thus exposing the members fund to danger. When it came to my notice that an act of Parliament had enacted a law establishing the Retirement Benefit Authority for the purpose of regulating retirement funds, I without delay opted to establish this scheme.
The scheme is solely established for the benefit of a member after the long journey of employment. To achieve this desire a few things must be addressed.

If one wants to sustain his/her lifestyle into a beneficial retirement one need to save for this purpose. Most people cannot retire comfortably because they do not plan for this event or they usually delay the implementation of their plan. This delay can make the difference between having the freedom of choice to do what you want to do or to be dependent on other parties to look after you in your golden years. Early planning is essential to avoid retirement pains later on.

Retirement is perhaps the greatest time for self-discovery. You may not believe it, but Christ has something incredible in store for you in your new role! It all begins with an assessment of your focus
Members of the PAG scheme are 100% Christians. Not just Christians but devoted to the will of Christ.
Just for a while let me explore what is the Christian view for retirement"
Christians plan for their after work life in many ways and such ways are hardly similar to each other. Some of the Christian thoughts towards retirement include planning to be;
"    A miji Kumi elder
"    A small scale farmer
"    A shop keeper
"    Dependent on children
"    A member of a Church with a view of taking some left over
"    And at worst a Church splitter.

One's older years are not to be spent solely in the pursuit of pleasure. Contrary to biblical instruction, many people equate retirement with "pursuit of pleasure" if at all possible. This is not to say that retirees cannot enjoy golf, social functions, or pleasurable pursuits. But these should not be the primary focus of one's life at any age.

Second Corinthians 12:14 states that the parent ought to save up for the children. But by far the greatest thing to "save up" is one's spiritual heritage, which can be passed on to children, grandchildren, and great-grandchildren. Generations of descendants have been impacted by the faithful prayers of an elderly family "patriarch" or "matriarch." Prayer is perhaps the most fruitful ministry outlet for those who have retired. Do not leave your call and let no one push you out of the service of the LORD! The psalmist's prayer should be our prayer as we age: "Even when I am old and gray, do not forsake me, O God, till I declare your power to the next generation, your might to all who are to come" (Psalm 71:18).



Rev. Ogendi
Chairman
(Board of Trustees)
Rev. Ondego
Scheme Administrators

Rev. (Bishop) Elkana Salamba
Oringinator of the scheme

Message from Trust Secretary Rev Arthur Amiga;

Dear brethren, I take this opportunity to welcome you to PAG scheme website. I thank you members for giving me an opportunity to serve as a trustee, and the trustees for electing me as trust secretary. It has been a long and tedious journey to reach where we are at this moment, coupled with a mirage of challenges. God has been great at all times I thank those who have remained steadfast in their contributions despite all the propaganda that has been flying around.
We all need to exercise faith during our saving and preparing for our retirement, lest we are caught up with retirement age when unprepared. Most of us who have attained retirement age cannot believe that they have to leave active service, since they have nothing to fall back to; hence they have decided to cling on.

A friend of mine reacting on the strike by coffee farmers in central once told me "it is the coffee that is in the factory that will be paid not the one in the Shamba".  Contributions that reach the scheme are the ones that will make your retirement benefits package, not the one you have diverted, withheld or lost on transit.  We are now in the process of making our scheme better and we need the cooperation of all stake holders. A march to a successful future after retirement is on cause and there is a free and sincere invitation by the Board of Trustees to all eligible members.   Please make sure that you visit this page and learn more about our scheme. As you visit this web we kindly request your views so that we can serve you better. Rev Amiga (Trust Secretary)
Visit contact us.




















Rev. Arthur Amiga
Rev. (Dr.) Ogendi is the Chairman of the Board of Trustees having taken over the leadership of the scheme in June 2014 from Rev. George Adamba having been elected as a Trustee in April 2014.

Dr. Ogendi was once the chairman of Sameta High School and Gianchore PAG High School.  At Kereri girls' high school, Rev (Dr.) Ogendi held the position of chaplain of the school for a period of ten years.  He held the post of PAG Education Secretary for PAG Sponsored Primary and Secondary Schools in the former larger Kisii District. He was also a CRE adviser for the CCEA (Christian Churches Education Association) for eight years. Rev. (Dr.) Ogendi served as a regional Treasurer For Gusii and Migori Region For  period of 9 years.

He took over the leadership of PAG Nyaramba District as an overseer for the past 13 years, a post he still holds.  He also held the position of a Director of Sanganyi Tea Factory a factory in the Governance of KTDA.
 
In the PAG church council, Rev. Ogendi held the post of the Chairman of the PAG salary and Renumeration review commission. He also held the position of commission chairman of PAG constitution implementation Committee.  

In the outer world, Rev (Dr.) Ogendi was a chief invigilator of Pitman Examination of secretarial and accounts in Gusii, South Nyanza and part of Rift valley.
The Chairman (Rev. (Dr.) Ogendi advices members to prepare their future by saving unsparingly. The RBA act, the regulations and the Trust Deeds implores members to feel save as the writings therein stipulates by way of mandatory how the scheme should be run.

Trustees are under duty to run the Scheme with full regard to the benefit of the members. Dr. Odundo The RBA C.E.O has assured members of the public that saving for retirement is safe and the law has divided three separate roles for the protection of members savings thus;
1.    The role of the Regulator (RBA)
2.    The role of the Sponsor.
3.    The role of Trustees. 

In the article attached, Dr. Odundo the CEO RBA has explained in brief the reason why RBA was formed in Kenya and the challenges that are attached to scheme Governance.




I take this opportunity to thank God for giving me a chance to serve my fellow staff of PAG and our Pastors in the provident Fund Department.

When the scheme Christianized PAG (K) Pastors and Staff Provident Fund commenced  under the auspicious Leadership of Bishop Salamba and the Vihiga Governor Rev. Epainitus Akaraga, I was in the peripheral witnessing the birth.

I joined hand with the late Kiplimo the the Education Director of the church, Rev. Peter Ondiek then Missions Director and Rev. Ondego now the Administrator of the scheme in seeking legal ways of commencing a scheme.

In the past I had witnessed the diversity of the Provident Fund within the mission Station asnd looking at the way the RBA had set itself t manage and control the Retirement Benefit Scheme, I was sure that a bright light would be shone on the Pastors Funds which had been laid to abuse.
The scheme commenced in 2002 in my witness and I am glad that I am now a member of that which I saw pregnant and have now witnessed itd birth and continuity.

During my membership and by reason of I being an account clerk to the Sponsor, I have been privileged to attend a number of RBA Retirement Planning seminars in Kitale and Eldoret towns. I have also attended the Training offered by the College of insurance under the auspices of RBAand was able to learn many profitable ideas on how to save for the old age. The best of them all I was given a slogan "invest in your children but do not make them your investment". Many parents would wish to look to their children support when they retire and sometimes this may not be forthcoming. The result therefore is ; Save for your own good when times comes.

I urge all PAG Pastors to save in the Retirement Benefit Scheme while they are able for their benefit when they retire.
May the Good God proceed to make good ways for all the members of the scheme.
Isaiah Kiplagat- Accounts Clerk (Sponsor)

Isaiah Kiplagat
Accounts clerk (Sponsor)