6 7 6 The term community in this context includes both people who live in the same locality and people who have something in common – such as employment in the same industry. As such, inhabitants of a village may form a community, and so may the workers in say, a construction industry(RNSF, 2017). 7 The liberalisation of the Indian insurance market in the late 1990s permitted VimoSEWA to dream of forming a member-owned insurance company to serve the informal economy. SEWA introduced its first insurance product in the late 1970s, which was a life insurance for its women members. At the time, the insurance industry in India was under state control.

2 3 4 5 TABLE 1: Employees in the informal sector by selected characteristics(%) BACKGROUND CHARACTERISTICS SEX OF EMPLOYEE Male Female Age <18 18-30 31-59 60+ SELF EMPLOYED PAID EMPLOYEE 50.5 53.6 49.5 46.4 0.9 5.3 46.3 79.5 48.6 14.9 4.2 0.3 CONTRIBUTING FAMILY WORKERS 40.0 60.0 19.5 66.8 13.4 0.3 UGANDA 52.1 47.9 18.6 57.1 22.9 1.4 Source: Manpower survey Uganda 2016/2017 TABLE 2: Informal employees by nature of contract(%) and work hours per day NATURE OF CONTRACT BACKGROUND CHARACTERISTICS HAVE WRITTEN CONTRACT SEX OF EMPLOYEE Male 0.7 Female 2.7 Age <18 0.0 18-30 1.8 31-59 0.4 60+ 71.2 VERBAL AGREEMENT NO CONTRACT 1 87.7 11.6 88.7 8.6 89.4 87.0 94.3 3.3 10.6 11.2 5.3 25.5 TOTAL 100.0 100.0 100.0 100.0 100.0 100.0 AVERAGE WORKING HOURS PER DAY 10 11 9 11 10 8