The objective of this study was to establish whether bus drivers and conductors at Kulima Tower Bus Station were aware of social security coverage extension to their sector by NAPSA, assess their level of uptake and if there were any product features they thought would make social security more appealing to them. Out of a total population of about 2, 354 bus drivers and conductors at the Station, a sample size of 330 was picked using Yamane Formula. However, due to budgets and time constraints, only 200 bust drivers and conductors were used in this research.

The study employed descriptive design in order to bring to the fore reasons why there is little or no participation in social security programs by the informal sector. Questionnaire and structured interviews were used to a sample of respondents to collect data.

Findings of this study revealed that about 97.5% of the informal sector did not know about the NAPSA pension scheme meant for their sector. Consequently, none of the participants who took part in the survey was a member of the NAPSA pension scheme meant for the informal sector. Contrary to the long-held position that non-participation of the informal sector in social security was attributable to factors such low income levels, results of this study indicate that non-participation of the sector is driven by lack of knowledge on social security. Respondents indicated that product features such as loans, contribution breaks, funeral grants and use of one’s benefits for collateral would make social security even more appealing to the sector.