Adetunji Aderonke Julienne, Gumede Emelda Zandile
School of Nursing and Public Health, University of KwaZulu-Natal, Howard College, Durban, South Africa.
SAGE Open Nurs. 2025 Jun 17;11:23779608251350235. doi: 10.1177/23779608251350235. eCollection 2025 Jan-Dec.
The transition from work to retirement has been an issue of lively scientific discussion for many and is driven by the constant fear of what is going to happen to their financial stability because of a history of delayed pension payments. Budgetary constraints by the Federal Government led to delays in paying pension benefits. Pension Commission (PenCom) works to ensure adequate budgetary provisions and timely release of funds to reduce the backlog in payments. Many retirees lack proper retirement and financial planning while PenCom continues to emphasize the importance of planning for retirement to ensure financial security.
This study was conducted to explore the financial stability of healthcare professionals postretirement, in Nigeria.
An Interpretative Phenomenological Analysis (IPA) design was utilized. The study population consisted of retirees who were 2 years old or older from three tertiary institutions in purposively selected states in Southwestern Nigeria. After obtaining consent, an in-depth interview and focused group discussion (FGD) were used to collect data. Both interviews and FGD were audio recorded, transcribed verbatim, and analysis followed, IPA steps by Smith et al. This was there after being imported into NVivo version 12.
Respondents thought they were financially prepared for retirement, however, the delay of 6 to 15 months before the pension payout was unforeseen. Retirees opted for alternative means of income, like petty trading, Tuck shops, molding blocks, livestock-rearing goats, and working in private institutions. An emerging theme of "Financial instability" and three subthemes: alternate income; flexi-work and exploring hidden talents. Financial security is the key to a peaceful retirement.
Employees need to be prepared for retirement by having multiple sources of funding to enjoy a peaceful retirement.
从工作到退休的转变一直是许多人热烈讨论的科学话题，其背后的驱动力是人们一直担心由于养老金支付延迟的历史，他们的财务稳定会受到影响。联邦政府的预算限制导致养老金福利支付延迟。养老金委员会（PenCom）致力于确保有足够的预算拨款并及时发放资金，以减少支付积压。许多退休人员缺乏适当的退休和财务规划，而PenCom继续强调退休规划对确保财务安全的重要性。
本研究旨在探讨尼日利亚医疗保健专业人员退休后的财务稳定性。
采用解释性现象学分析（IPA）设计。研究对象包括来自尼日利亚西南部有目的选择的三个高等院校的60岁及以上退休人员。获得同意后，通过深入访谈和焦点小组讨论（FGD）收集数据。访谈和FGD均进行录音，逐字转录，并按照Smith等人的IPA步骤进行分析。之后将其导入NVivo 12版本。
受访者认为他们在经济上为退休做好了准备，然而，养老金支付前6至15个月的延迟是无法预见的。退休人员选择了其他收入方式，如小生意、小卖部、制砖、饲养山羊以及在私立机构工作。出现了一个“财务不稳定”的主题以及三个子主题：替代收入；弹性工作和发掘隐藏才能。财务安全是安享退休生活的关键。
员工需要通过拥有多种资金来源为退休做好准备，以享受安宁的退休生活。
