ENTREPRENEURIAL PROSPECTS AND CHALLENGES FOR RETIRED CIVIL SERVANTS IN KADUNA STATE

Many workers in developing countries treat lightly the absolute need to prepare for retirement active work. Some of the workers in public service are very attached to their work and they work devotedly to raise the profile of their institutions or organizations without considering the fact that one day they will be asked to vacate their posts or jobs. Whether a public sen>ant prepares for retirement or not, he/she must one day retired or be retired. And the need for alternative means of income for survival comes into focus. This paper adopts the survey method to assess the prospects and challenges of entrepreneurship among retired civil servants in Kaduna state. The papers uses primary data (structured questionnaires were administered and interview was conducted) and secondaiy data (use of textbooks, journals, online articles etc). The hypotheses generated were tested using the Chi-square at 5% level of significance. The major finding in this study is that there is a significant difference in the sunnval of retired civil serwints in Kaduna state who are involved in entrepreneurial activities compared to those who are not involved in entrepreneurship. The paper concludes by recommending that PEN COM (Pension Commission) in affiliation with Pension Fund Administrators (PFAs) should intensify their campaign on retirement and retirement life in order to prepared/provide prospective retirees/retirees with the basic knowledge each category require for a success retirement life after active service.