By Benjamin Nii Nai Anyetei
The National Pensions Regulatory Authority (NPRA) is rolling out new measures to expand pension coverage in Ghana’s informal sector, where participation remains low despite improvements in recent years.
According to the Authority, informal sector pension membership stood at about 1.2 million as of September 2025, representing only a small fraction of the workforce.
To address this gap, the NPRA has developed a special policy aimed at designing tailored pension schemes with incentives for informal workers. In addition, a new Pension Digital Ecosystem (PDE) is set to be launched to simplify registration and contribution payments.
The initiative aligns with government’s broader vision of extending pension coverage to all workers, particularly those in the informal economy.
The Authority warned that without urgent intervention, many informal sector workers risk entering old age without any financial security, stressing the need for increased awareness and participation.
