Challenges to Informal Sector Participation in Ghana’s Pension Scheme: Perspectives from the Ground

Author(s)	Mr Richard Amoasi-Andoh, Edward Attah-Botchwey
Country	Ghana
Abstract	This study examined barriers to informal sector participation in Ghana’s pension schemes, which were primarily designed for formal sector conditions, marginalizing low-income informal workers and exposing them to old-age income insecurity. Despite inclusive schemes, integration of informal workers remained limited. Using a qualitative research design, the study conducted focus group discussions and semi-structured interviews with 40 participants across Greater Accra, Ashanti, and Northern regions. Findings revealed that provider disengagement was driven by high collection costs and administrative complexities, while worker participation was hindered by distrust in institutions, irregular incomes, and low awareness.
Keywords	Pension scheme, informal sector, three-tier, Ghana, social protection, contributions, barriers, motivators, trust.
Field	Business Administration
Published In	Volume 7, Issue 3, May-June 2026
Published On	2026-05-20
DOI	https://doi.org/10.63363/aijfr.2026.v07i03.5664

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Advanced International Journal for Research