Resumen

The launch of the NSSF Haba Haba scheme in 2019 was meant to address the product needs of the missing middle (informal and rural economy workers) who had been left out in the initial design. While the scheme targeted informal sector workers, it left out informal sector migrant workers, refugees, and host communities. Notably, the requirement for a National ID to register for the scheme through M-PESA automatically cut off refugees and migrant workers since they couldn't use their alien IDs to register for an M-PESA line and/or open a bank account.

Against this background, this survey was aimed at assessing Haba Haba’s design and the possibilities for the inclusion of refugees.