Pension plan for informal workers in Nigeria: A crucial national conversation

In my country, Nigeria, the word "pension" evokes different reactions. For many civil servants and corporate workers, it symbolises hope for a near-comfortable retirement. However, for the majority of Nigerians working in the informal sector, it represents a bleak future. These are the market traders, motorcycle riders, small-scale farmers, artisans, and workers in countless micro- and nano-scale businesses. With approximately 90% of Nigeria’s workforce operating outside the formal economy, pension coverage for informal workers is almost non-ex