Amani Jaquiline, Luvanga Baraka, Kihaga Honorata, Ndeskoi Thaudensia, Gabriel Leatitia
Department of Educational Psychology and Curriculum Studies, Mkwawa University College of Education, a Constituent College of the University of Dar es- Salaam, P.O. Box 2513, Iringa, Tanzania.
Department of Educational Psychology and Curriculum Studies, Mkwawa University College of Education, a Constituent College of the University of Dar es- Salaam, P.O. Box 2513, Iringa, Tanzania.
J Aging Stud. 2023 Mar;64:101103. doi: 10.1016/j.jaging.2023.101103. Epub 2023 Jan 20.
Studies have shown that early and informed retirement planning lead to a successful retirement transition, and adjustments. Despite this fact, it has been widely reported that most of employees inadequately plan for their retirement. Existing empirical evidence provides limited information on barriers which affect academics' retirement planning in sub-Saharan Africa, particularly Tanzania. Informed by the Life Course Perspective Theory, the present study qualitatively explored the retirement planning barriers from perspectives of the academics and their employers in four purposefully selected universities in Tanzania. The focused group discussions (FGDs) and semi-structured interviews were employed to generate data from the participants. The thematic approach guided data analysis and interpretations. The study revealed seven barriers which affect retirement planning among academics in higher education. These include: Limited knowledge of retirement planning, lack of investment management skills and experience, failure to prioritize expenditure, attitude towards retirement, financial constraints due to extended family needs, retirement policies and legal reforms, and limited time to supervise investments. Based on the findings, the study provides recommendations to address personal, cultural and systemic barriers in order to support academics' successful transition to retirement.
研究表明，早期且充分了解情况的退休规划会带来成功的退休过渡及调整。尽管如此，大量报道称大多数员工对退休规划不足。现有实证证据关于影响撒哈拉以南非洲地区，尤其是坦桑尼亚学者退休规划的障碍提供的信息有限。本研究以生命历程视角理论为依据，从坦桑尼亚四所经过特意挑选的大学中学者及其雇主的角度，对退休规划障碍进行了定性探索。采用焦点小组讨论（FGD）和半结构化访谈从参与者那里收集数据。主题分析法指导数据分析和解读。该研究揭示了影响高等教育领域学者退休规划的七个障碍。这些障碍包括：对退休规划的了解有限、缺乏投资管理技能和经验、未能优先考虑支出、对退休的态度、因大家庭需求导致的经济限制、退休政策和法律改革，以及监督投资的时间有限。基于这些发现，该研究提出了应对个人、文化和系统性障碍的建议，以支持学者成功过渡到退休生活。
