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Welcome to the Informal Sector Database Management System (ISDBMS)

Empowering the Informal Sector through Data, Technology and Co-operative Solutions
Revolutionizing the Informal Sector in Ghana

The Informal Sector makes up over 80% of Ghana’s workforce and contributing 35.6% to GDP (approximately $66 billion at PPP levels), holds untapped potential for national development, but it lacks the infrastructure and support systems needed for sustainable growth. With over 5 million members across various associations, we aim to provide a comprehensive database and cooperative management system to help improve welfare, financial inclusion, and business development for informal sector workers.

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Challenges

Challenges in Ghana Informal Sector

Lack of Authentic Database

Inadequate Data Consolidation: Difficulty identifying sector size, categories, and planning needs.
Governmental Challenges: Ineffective policy development, planning, and tax collection.

Absence of Welfare Benefits & Business Capacity Development

The vulnerabilities of informal sector workers were amplified during the COVID-19 pandemic due to a lack of proper safety nets like:

Pensions
Life and Health Insurance
General Insurance (Fire, Flood & Burglary)
Consumer Credit and Loan
Educational Insurance
Training (in the major languages)

Limited Financial & Digital Inclusion

Over 55% of the informal sector is excluded from formal financial systems, limiting access to savings, credit, and investment opportunities.
Challenges include high borrowing costs, a continuous debt cycle, and constrained family and economic growth.

About ISDBMS

What is ISDBMS?

The Informal Sector Database Management System (ISDBMS) is an innovative software solution designed to streamline the registration and management of members within informal sector associations. This system not only provides a unified database but also integrates cooperative services that ensure members can access welfare benefits such as pensions, insurance, loans, and business support services.

Key Features Of ISDBMS

Centralized Member Data Management

Efficient registration and management of member details, including contact information, digital addresses, and next of kin.

Co-operative Services

Empowering members to become shareholders of their associations and access financial services like savings (susu), microloans, and insurance products.

Welfare Solutions

Access to mandatory welfare programs, including pensions, life insurance, health coverage, and more.

Financial Inclusion

Enabling access to the formal financial system, microcredit, and investment opportunities

Digital Payment Solutions

RFID smart ID cards linked to members accounts for seamless contributions and transactions

Business Solutions

Business Development services such as training and capacity building in the local languages, etc

Why ISDBMS Matters

Benefits for Everyone

1. For Associations:

Strengthened advocacy and a united voice in policy matters.
Access to reliable data for better planning and engagement with government bodies.

2.For the Informal Sector:

Empowerment through financial inclusion.
Access to essential welfare programs and business support.
Secure and efficient management of contributions and savings.

3. For Central Government and Policymakers:

Authentic data for national planning and economic growth.
Ability to design targeted policies for the informal sector and ensure effective tax collection.

4. Benefits for Local Government (MMDA’s)

Better urban planning for markets and informal activities.
Enhanced revenue generation.

How ISDBMS Works

The process begins with the registration of members from various associations into the system. Once registered, each member receives an RFID smart ID card linked to their cooperative account. Contributions are made to the susu account, and a portion of these funds is allocated to welfare benefits such as pensions, health insurance, and more. Members also gain access to microfinance products to support business growth.

Ready to Make a Change?

Whether you are an individual, a member of an informal sector association, or a government body, ISDBMS is designed to serve your needs. Join us in transforming the informal sector for a brighter, more secure future. CTA Button: Sign Up Now / Learn More

Working Teams

PARTNERS

ISDBMS is supported by a wide range of partners, including local and international donors, insurance companies, financial institutions, and government bodies. Together, we are working to provide training, financial products, and the digital infrastructure needed to support the informal sectors growth.