A Dissertation Submitted in Partial Fulfillment of the Requirements for the
Degree of Masters of Business Administration in Corporate Management (MBACM) of Mzumbe University
The study aimed at assessing the factors that impede or hinder Informal sector
workers from joining the social security schemes. The study was based on three
specific objectives that guided the process of data collection and these were; to
determine informal sector workers awareness of the presence of social security
schemes in Tanzania; to determine if informal sector workers know the benefits of
joining social security schemes and; to establish factors that inhibit informal sector
workers to join social security schemes in Tanzania.
The study research design engaged a survey cross-section type, where gathering of
data from different groups at one point or area could be easily archived. Purposive
and random sampling techniques where used in identifying and analyzing the sample
from the main group of informal sector workers. The sample size included 103
respondents who were; one hundred informal sector workers drawn from eight (8)
workers categories by aid of random sampling and three officers from NSSF who
were selected with the aid of purposive sampling method..
The study engaged both qualitative and quantitative approaches in data collection that
also engaged questionnaires and interviews. Documentary review was as well used to
make reference with the findings of the study during data analysis.
Findings revealed that there were a number of factors that impede the informal sector
workers from joining the social security schemes. Among these were; policy based,
social security scheme based and individual based factors that all contribute to
sidelining of the sector.
The study therefore made recommendations that require the authorities to review the
social security policies and ensure that the informal sector is equally included, more
over the social security schemes to make strategies and programs of outreach that will
make the informal sector workers and employers get full awareness of the schemes
and the benefits