Advanced International Journal for Research

E-ISSN: 3048-7641   •   Impact Factor: 9.11

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Volume 6 Issue 6
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Trust in Pension Institutions and Its Influence on Contribution Behavior: Insights from Ghanaian Workers

Author(s) Mr. Richard Amoasi-Andoh, Edward Attah-Botchwey
Country Ghana
Abstract This study addressed the critical issue of low trust in pension institutions, particularly the Social Security and National Insurance Trust (SSNIT), and its impact on contribution behavior among Ghanaian workers, where the informal sector dominates with 80% of the workforce. To investigate the role of trust in contribution decisions and to determine the factors that undermine or contribute to building trust, the study used an interpretive qualitative methodology, which involved semi-structured interviews and focus groups of 48 formal and informal employees in Accra, Kumasi, and Tamale. Key findings revealed four themes: skepticism due to low awareness and integrity concerns, trust shaped by access and stability, reluctance to contribute, driving preference for informal savings, and socio-demographic nuances affecting trust. The study contributes to pension literature by proposing a cultural benevolence dimension to trust models, tailored to developing contexts, and offers actionable policy recommendations, including mobile-based education and flexible contributions, to enhance pension uptake. Set against Ghana's unique informal economy challenges, these insights hold relevance for other developing nations addressing old-age security.
Keywords Trust, pension institutions, SSNIT, informal sector, contribution behavior, low awareness
Field Sociology > Administration / Law / Management
Published In Volume 6, Issue 6, November-December 2025
Published On 2025-12-12
DOI https://doi.org/10.63363/aijfr.2025.v06i06.2485
Short DOI https://doi.org/hbf94j
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