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Originally published by The Standard Business
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May 28, 2026
5h ago

Kenya's 18.1 million informal workers hold the future of pensions

Kenya's 18.1 million informal workers hold the future of pensions

Today, 83.8 per cent of Kenya’s workforce earns their living in the informal sector, but our pension system remains anchored around formal employment...

✨ Key Highlights

Kenya's pension system faces a significant disconnect as a large majority of its workforce operates within the informal sector, an area often overlooked by traditional retirement savings models.

  • 83.8% of Kenya's workforce, approximately 18.1 million people, are employed in the informal sector.
  • The pension system, designed for formal employment, currently has only about 37% of the working population registered, with fewer than one in five actively contributing.
  • The article argues for a shift towards flexible, mobile-based payment solutions to accommodate irregular incomes in the informal sector.

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