[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-detail-109347-en":3,"doc-seo-109347-105":31,"detail-sidebar-cat-0-en-105":92},{"code":4,"msg":5,"data":6},0,"success",{"doc_id":7,"user_id":8,"nickname":9,"user_avatar":10,"doc_module":4,"category_id":11,"category_name":12,"doc_title":13,"doc_description":14,"doc_content":15,"file_id":16,"file_url":17,"file_type":18,"file_size":19,"view_count":20,"is_deleted":4,"is_public":21,"is_downloadable":21,"audit_status":21,"page_count":22,"language":23,"language_code":24,"site_id":25,"html_lang":24,"table_of_contents":26,"faqs":27,"seo_title":28,"seo_description":14,"update_tm":29,"read_time":30},109347,4398048949847,"Eliana","https://ap-avatar.wpscdn.com/avatar/400002536579ef2da7f?_k=1778318612642679267",8,"Research & Report","Unpacking Informality - Expanding Retirement Savings Coverage for Informal Workers in Indonesia","Unpacking Informality examines how retirement savings coverage can be expanded for informal workers in Indonesia within the National Social Security System (SJSN). It outlines an analytical framework and methodology, defines informal workers, and reviews their demographic, employment, socio-economic, and behavioral characteristics. The note identifies challenges limiting participation in retirement savings, then proposes a coverage expansion strategy, supported by references and annexes with descriptive statistics by sector and sector profiles.","Unpacking Informality:  \nExpanding Retirement Savings Coverage for Informal Workers in Indonesia  \nIlsa Meidina & Tanya Adi Putri  \nThis work is a product of the staff of The World Bank. The findings, interpretations, and conclusions expressed in this work do not necessarily reflect the views of the Executive Directors of The World Bank or the governments they represent. The World Bank does not guarantee the accuracy of the data included in this work. The boundaries, colors, denominations, and other information shown on any map in this work do not imply any judgment on the part of The World Bank concerning the legal status of any territory or the endorsement or acceptance of such boundaries.  \nRights and Permissions  \n© 2024 The World Bank  \n1818 H Street NW, Washington DC 20433  \nTelephone: 202-473-1000; [Internet: ](Internet: www.worldbank.org)[www.worldbank.org](Internet: www.worldbank.org)[ ](Internet: www.worldbank.org)Some rights reserved  \nThe material in this work is subject to copyright. Because The World Bank encourages dissemination of its knowledge, this work may be reproduced, in whole or in part, for noncommercial purposes as long as full attribution to this work is given.  \nAll queries on rights and licenses, including subsidiary rights, should be addressed to World Bank Publications, The World Bank Group, 1818 H Street NW, Washington, DC 20433, USA; fax: 202-522-2625; e-mail: pubrights@ [worldbank.org](worldbank.org).  \nAttribution  \nPlease cite the work as follows: “Meidina, Ilsa; and Putri, Tanya Adi; 2024. Unpacking Informality: Expanding Retirement Savings Coverage for Informal Workers in Indonesia.” © World Bank.”  \nUnpacking Informality:  \nExpanding Retirement Savings Coverage for Informal Workers in Indonesia  \nIlsa Meidina & Tanya Adi Putri  \nAcknowledgements  \nThe policy note Unpacking Informality: Expanding Retirement Savings Coverage for Informal Workers in Indonesia was prepared by the Social Protection and Jobs team, Indonesia and Timor Leste under the leadership of Ilsa Meidina and Tanya Adi Putri, with important inputs from Muhammad Noor Farid (Consultant) and Robert Palacios (Lead Economist, HEASP) . The team is grateful for excellent comments and feedback from the peer reviewers Melis U. Guven (Lead Economist, HSPGE), Oleksiy A. Sluchynskyy (Senior Social Protection Specialist, HMNSP), and Nga Thi Nguyen (Social Protection Specialist, HEASP) . The team thanks Yasser El-Gammal for his oversight and Kurniasih Susilawati for her diligent administrative support.  \nThe team extends special thanks to the Ministry of National Development Planning (Bappenas), in particular Directorate for Population and Social Security, for their support and partnership as well as the Coordinating Ministry of Human Development and Culture, Ministry of Manpower, the Fiscal Policy Agency, National Social Security Council, BP Jamsostek, TNP2K and Government of Australia’s Department of Foreign Affairs and Trade for feedback provided during the finalization of this study.  \nFunding for this study was provided through the Australia World Bank Indonesia Partnership (ABIP) by the Government of Australia’s Department of Foreign Affairs and Trade. The team thanks the Australian Government for their generous support.  \nContents  \nAcknowledgements ............................................................................................................. 4  \nA. Introduction ............................................................................................................. 6  \nInformal workers in Indonesia: A Working Definition ..................................................... 7  \nAnalytical Framework and Methodology ........................................................................ 8  \nB. Who are Indonesia’s Informal Workers? ..................................................................... 10  \nDemographic Characteristics ...................................................................................","cbCaivwaFpGjYQl7","https://ap.wps.com/l/cbCaivwaFpGjYQl7","pdf",3203305,3,1,40,"English","en",105,"# A. Introduction\n## Informal workers in Indonesia: A Working Definition\n## Analytical Framework and Methodology\n# B. Who are Indonesia’s Informal Workers?\n## Demographic Characteristics\n## Employment and Socio-Economic Characteristics\n## Behavioral Characteristics\n# C. Informal workers’ retirement savings coverage\n# D. Understanding the challenges to retirement savings participation\n# E. Devising Coverage Expansion Strategy for Informal Workers\n# References\n# Annexes\n## Annex 1-Descriptive Statistics by Sector\n## Annex 2-Sector Profiles","[{\"question\":\"What social security system is used as the reference framework for informal workers in Indonesia?\",\"answer\":\"The note centers on Indonesia’s National Social Security System (SJSN), established in 2004 and fully implemented in 2015 through BPJS Kesehatan and BP Jamsostek, covering multiple health and employment-related risks.\"},{\"question\":\"How does the document characterize informal workers?\",\"answer\":\"It presents a working definition of informal workers and then analyzes their demographic, employment and socio-economic, and behavioral characteristics.\"},{\"question\":\"What is the main focus regarding retirement savings for informal workers?\",\"answer\":\"The note evaluates retirement savings coverage, explains the challenges that hinder participation, and proposes a strategy to expand coverage for informal workers.\"}]","Unpacking Informality - 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