世界银行：2024年让非正规部门工人轻松高效地储蓄养老金-向肯尼亚的哈巴哈巴试点项目学习报告（英文版）

Haba Haba, which means “bit by bit” in Swahili, is a voluntary pension scheme in Kenya for workers in informal employment and promises to be a scheme through which they can slowly but surely save for their old age. The scheme, administered by the National Social Security Fund (NSSF) was launched as a pilot in 2019. Haba Haba allows for easy, anytime, anywhere savings by informal economy workers. Registration, contributions, and access can be handled via mobile phone by dialing USSD (Unstructu