世界银行-揭开非正式性：扩大印尼非正式工人的退休储蓄覆盖范围（英）

Unpacking Informality:Expanding Retirement Savings Coverage for Informal Workers in IndonesiaIlsa Meidina & Tanya Adi PutriPublic Disclosure AuthorizedPublic Disclosure AuthorizedPublic Disclosure AuthorizedPublic Disclosure Authorized This 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.Rights and Permissions© 2024 The World Bank1818 H Street NW, Washington DC 20433Telephone: 202-473-1000; Internet: www.worldbank.orgSome rights reservedThe 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.All 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. AttributionPlease 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.”Unpacking Informality:Expanding Retirement Savings Coverage for Informal Workers in IndonesiaIlsa Meidina & Tanya Adi Putri4AcknowledgementsThe 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. The 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. Funding for t