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Q: What arrangement is there for workers in the informal sector or those who are unemployed?

A: If you own a business, you would need to make your contribution in the capacity of both employer and employee. You send your Tier 1 contribution to SSNIT and your Tier 2 contribution of 5% to any NPRA-approved institution. You can contact SSNIT directly to be enrolled on their Tier 1 Contribution. You can also contact Databank, who can assist you to find a Trustee for your Tier 2 and Tier 3 contributions.