NDLI: Micro Pensions for Women; Initiatives and Challenges in India

Content Provider	Springer Nature Link
Author	Dullemen, Caroline E. Bruijn, Jeanne G. M.
Copyright Year	2014
Abstract	In rapidly ageing countries, increased life expectancies threaten the poor and low-income workers. India is such a country. The number of people over sixty will rise from the present 90 million to an expected 200 million by 2030. Giving the changing demography, family structure and settlements the need for pension products is increasing. This counts particular for women since they live longer and have less opportunities to create a pension by lack of formal labour force participation. This paper focuses on recent initiatives taken in India to analyze the improvement of the pension coverage and its capacity to prevent women’s old age poverty. How can the low pension coverage in India - in particular for low-income female workers in the informal economy -, be increased? The research focuses on new pension schemes introduced by the Indian Government and new micropension provisions by grass root non-governmental organizations (NGOs) and microfinance institutes (MFIs). Results from the case-study show, that only about 6 % of the clients of the Dhan Foundation (NGO) stated to have access to pension. This is in line with the national statistics. The pilot initiative for a micro pension program of the Dhan Foundation, show a clear positive result in willingness to pay for micro pensions among their mostly female clientele To improve the low coverage rate, micropensions could be of significant added value in the so called ‘multi-pillar approach’ that recognizes the complementarities between the state pension, the private sector and the civil society sector pension plans.
Starting Page	98
Ending Page	116
Page Count	19
File Format	PDF
ISSN	01635158
Journal	Ageing International
Volume Number	40
Issue Number	2
e-ISSN	1936606X
Language	English
Publisher	Springer US
Publisher Date	2014-11-04
Publisher Place	New York
Access Restriction	One Nation One Subscription (ONOS)
Subject Keyword	Ageing Risk of longevity for women India Old age poverty Micro pensions Social security Social Sciences Aging
Content Type	Text
Resource Type	Article
Subject	Health (social science)

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1	Ministry of Education (GoI), Department of Higher Education	Sanctioning Authority	https://www.education.gov.in/ict-initiatives
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4	Project PI / Joint PI	Principal Investigator and Joint Principal Investigators of the project	Dr. B. Sutradhar bsutra@ndl.gov.in Prof. Saswat Chakrabarti will be added soon
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