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In die informele sektor die Jua Kali, die Swahili woord vir mense wat onder die heat son werk aan te moedig om te spaar. 'n Suid Afrikaanse taakgroep van verteenwoordigers van vakbonde, die vereniging van spaar en beleggings (Asisa) en die Raad op Finansile Dienste (RFD) ondersoek die instelling van so 'n spaarmodel canada goose outlet jassen wat by die Suid Afrikaanse mark aangepas is. Die projek het ook die babyliss krultang kopen steun van die nasionale tesourie. Die Mboa pensioenfonds, wat deur die Keniaanse reguleerder van finansile dienste bemark phrase, is in Mei verlede jaar in Kenia ingestel en het alle verwagtinge goedkope uggs outlet oortref. Dit het gegroei van thirteen lede tot 23 000, en daar is nog enorme potensiaal. Die Jua Kali vereniging, wat werkers in die informele sektor verteenwoordig, het 650 geaffilieerde verenigings satisfied 8,nine miljoen lede. 'n Diensverskaffer van die fonds, die selfoonnetwerkonderneming Safaricom, het fifteen miljoen gebruikers wat ook betrek kan word. Die produk is eenvoudig en goedkoop en maak dit canada goose outlet nederland vir mense satisfied 'n lae en wisselvallige inkomste moontlik om gereeld te spaar. Mense phrase in werksessies en met televisie advertensies aangemoedig om 20 Keniaanse sjieling (sowat R2) for each dag te spaar. Die bydraes phrase deur die M Pesa selfoonbankdiens na die pensioenfonds oorgeplaas. Die bydraes word onmiddellik op die pensioenstaat aangedui en lede kan dadelik op hul selfoon sien hoe hul geld groei. Die lede het ook volle toegang tot die opgehoopte geld in hul pensioenfonds en hulle kan te enige tyd die saldo in die rekening op hul selfoon sien. Daar is geen voorafkoste op die pensioensaldo nie en die drie hoofmedewerkers Safaricom, die financial institution en 'n versekeringsmaatskappy hef op die oomblik geen gelde vir hul dienste nie. In spitskyktye wat tydens nuusuitsendings is phrase televisie advertensies gebeeldsend wat mense herinner om die daaglikse minimum te spaar. Dit het dadelik 'n uitwerking en mense dra hul daaglikse minimal spaarbedrag oor, s Stephen Smith, hoofbeleidsadviseur aan Asisa. Hy s vir baie mense het die feit dat hulle kan spaar, 'n statussimbool geword. "Baie van die mense het hulself nooit beskou as kandidate om te kan spaar nie, maar satisfied die klein bedrag en die feit dat hulle kan sien dat die saldo groei, besef l meer mense dat dit moontlik is om goedkope moncler outlet te spaar." Die doelwit met die instelling van 'n soortgelyke produk in Suid Afrika is om die werkers in die informele sektor wat nie spaar vir aftrede of noodgevalle nie, asook die 2,5 miljoen werkers in die formele sektor wat nie deur formele kanale spaar vir aftrede nie, die kans te gee om dit te doen, volgens Leon Campher, uitvoerende hoof van Asisa. Smith s voordat 'n soortgelyke design in Suid Afrika ingestel kan word, is daar baie ander kwessies wat aandag verg. In Kenia word geen belasting gehef nie, maar in Suid Afrika is die regime meer formeel. Daar is ook nog nie sekerheid oor hoe uitbetalings gaan werk nie. 'n Ander groot