Awabah x TeamApt: Is the POS Terminal Now a Pension Office?

Nigeria has never lacked ambition in pension policy. The 2014 pension reform theoretically opened the Contributory Pension Scheme to informal workers, and the Micro Pension Plan followed in 2019 to formalize that access. Five years on, fewer than 100,000 people had signed up, a rounding error against the more than 75 million Nigerians, over 93%

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