Main content

Official Retirement can Wait: A Study of Petty Traders in Ghana to Identify Barriers to Participation in ISF Pension Scheme

Show simple item record

dc.contributor.advisor Lauzon, Al
dc.contributor.author Afenyadu, Akpene
dc.date.accessioned 2014-05-06T15:32:45Z
dc.date.available 2014-05-06T15:32:45Z
dc.date.copyright 2014-05
dc.date.created 2014-05-01
dc.date.issued 2014-05-05
dc.identifier.uri http://hdl.handle.net/10214/8062
dc.description.abstract In many developing countries in sub-Saharan Africa, the majority of the labourforce work in the informal sector. The Informal Sector Fund (ISF) pension scheme was introduced in Ghana to afford workers in the informal sector an opportunity to save towards retirement, but the participation rate is low. This thesis investigates the barriers petty traders face to participation. Findings suggest that the petty trading landscape in Ghana is evolving. Petty traders are heterogeneous but the majority were young, and on average, have high school education. Secondly, petty traders reported that they value financial independence in old age but consider formal retirement inapplicable to them. Thirdly, they have a low level of awareness about Ghana’s ISF pension scheme. Findings identified key attitudes towards pension schemes and lack of enabling factors at the organizational level, and these were concluded to be the main barriers for petty traders’ participation in pension schemes. en_US
dc.language.iso en en_US
dc.subject petty traders en_US
dc.subject pension schemes en_US
dc.subject informal sector en_US
dc.subject informal sector fund en_US
dc.title Official Retirement can Wait: A Study of Petty Traders in Ghana to Identify Barriers to Participation in ISF Pension Scheme en_US
dc.type Thesis en_US
dc.degree.programme Capacity Development and Extension en_US
dc.degree.name Master of Science en_US
dc.degree.department School of Environmental Design and Rural Development en_US
dc.rights.license All items in the Atrium are protected by copyright with all rights reserved unless otherwise indicated.


Files in this item

Files Size Format View
Afenyadu_Akpene_201405_Msc.pdf 1.588Mb PDF View/Open

This item appears in the following Collection(s)

Show simple item record