2004
  1. Home
  2. A-Z Publicaties
  3. Mens & Maatschappij
  4. Volume 100, Issue 3
  5. Artikel
Volume 100, Issue 3
  • ISSN: 0025-9454
  • E-ISSN: 1876-2816

Samenvatting

Abstract

Retirement poverty levels are high (40%) among the rapidly increasing group of first-generation non-Western migrants in the Netherlands. How do they deal with their economic position? We studied this question using 26 semi-structured qualitative interviews with retirees born in Morocco, Sri Lanka, Suriname, Tunisia, and Turkey. Four aspects of dealing with retirement were covered and we discuss implications for scholars and policymakers: 1) Retirement knowledge; 2) Retirement preparation; 3) Social security benefits (AIO); 4) Social contacts. Our study reveals that non-Western migrants were not prepared for their retirement and are somewhat aware of their entitlement to social benefits.

© Sophie Delfgaauw, Koen Veldman & Jelle Lössbroek
Loading

Article metrics loading...

/content/journals/10.5117/MEM2025.3.003.DELF
2025-09-01
2025-12-05
Loading full text...

Full text loading...

References

  1. Algemene Rekenkamer. (2019). Ouderdomsregelingen ontleed.
     [Google Scholar]
  2. Baykara-Krumme, H., & Fokkema, T. (2019). The impact of migration on intergenerational solidarity types. Journal of Ethnic and Migration Studies, 45(10), 1707–1727. https://doi.org/10.1080/1369183X.2018.1485203
     [Google Scholar]
  3. Bilecen, B., & Fokkema, T. (2022). Conducting empirical research with older migrants: Methodological and ethical issues. The Gerontologist, 62(6), 809–815.
     [Google Scholar]
  4. Borchgrevink, K., & Birkvad, I. R. (2022). Religious norms and homeownership among Norwegian Muslim women. Journal of Ethnic and Migration Studies, 48(5), 1228–1245. https://doi.org/10.1080/1369183X.2021.1965866
     [Google Scholar]
  5. Brekke, T., & Larsen, M. (2020). Allah, villa, Volvo: Muslim professionals in the Nordic countries and their financial attitudes and practices. Open Library of Humanities, 6(2), 1–34. https://doi.org/10.16995/OLH.570
     [Google Scholar]
  6. CBS. (2020a). Prognose bevolking; geslacht, leeftijd, achtergrond en generatie, 2021-2070. https://opendata.cbs.nl/statline/#/CBS/nl/dataset/84872NED/table?ts=1615296495296
     [Google Scholar]
  7. CBS. (2020b). Recht en Gebruik AIO, 2017 en 2018. Uitgebreide methodebeschrijving. https://dashboards.cbs.nl/v2/SZW_niet_gebruik_AIO/
     [Google Scholar]
  8. CBS. (2021). Bevolking; leeftijd, migratieachtergrond, geslacht, regio, 1 jan. 1996-2020. https://opendata.cbs.nl/statline/#/CBS/nl/dataset/37713/table?fromstatweb
     [Google Scholar]
  9. Cook, J. (2010). Exploring older women’s citizenship : understanding the impact of migration in later life. Ageing and Society, 30(2), 253–273. https://doi.org/10.1017/S0144686X09990195
     [Google Scholar]
  10. Curtis, J., Dong, W., Lightman, N., & Parbst, M. (2017). Race, language, or length of residency? Explaining unequal uptake of Government Pensions in Canada. Journal of Aging and Social Policy, 29(4), 332–351. https://doi.org/10.1080/08959420.2017.1319452
     [Google Scholar]
  11. Dietz, T. L. (2001). The Mexican American elderly and supplemental security income: Reasons and characteristics associated with nonuse. Journal of Applied Gerontology, 20(3), 292–306. https://doi.org/10.1177/073346480102000303
     [Google Scholar]
  12. Fokkema, T., & Conkova, N. (2018). Turkse en Marokkaanse ouderen in Nederland en België: een sociaal-demografisch profiel. Geron, 20(2), 15–19. https://doi.org/10.1007/s40718-018-0030-4
     [Google Scholar]
  13. Hanse, D., Breedveld, P., Elshot, C., & Schampers, J. (2022). Met te weinig genoegen nemen. Een onderzoek naar het niet benutten van inkomensvoorzieningen door ouderen in een financieel kwetsbare positie. Nationale Ombudsman.
     [Google Scholar]
  14. Heisig, J. P., Lancee, B., & Radl, J. (2018). Ethnic inequality in retirement income: A comparative analysis of immigrant-native gaps in Western Europe. Ageing and Society, 38(10), 1963–1994. https://doi.org/http://dx.doi.org/10.1017/S0144686X17000332
     [Google Scholar]
  15. Jongen, E., Bolhaar, J., Van Elk, R., Koot, P., & Van Vuuren, D. (2019). Inkomensongelijkheid naar migratieachtergrond. Centraal Planbureau. https://www.cpb.nl/sites/default/files/omnidownload/cpb-achtergronddocument-inkomensongelijkheid-naar-migratieachtergrond-in-kaart.pdf
     [Google Scholar]
  16. Khan, M. N., Ferrer, I., Lee, Y., Deloria, R., Kusari, K., Migrino, L., Danan, K., & Yen, J. (2023). “We’re always looking at the dollars and cents”: The financial well- being of racialized older immigrants in Canada through the lens of service providers. Journal of Family and Economic Issues, 44(4), 1023–1035.
     [Google Scholar]
  17. Khan, M. N., Ferrer, I., Lee, Y., & Rothwell, D. W. (2021). Examining the financial knowledge of immigrants in Canada: a new dimension of economic inequality. Journal of Ethnic and Migration Studies. https://doi.org/10.1080/1369183X.2020.1870443
     [Google Scholar]
  18. Kooij, D. T. A. M., Kanfer, R., Betts, M., & Rudolph, C. W. (2018). Future Time Perspective: A systematic review and meta-analysis. Journal of Applied Psychology, 103(8), 867–893. https://doi.org/10.1037/apl0000306
     [Google Scholar]
  19. Kunuroglu, F., Yagmur, K., Van De Vijver, F. J. R., & Kroon, S. (2018). Motives for Turkish return migration from Western Europe: home, sense of belonging, discrimination and transnationalism. Turkish Studies, 19(3), 422–450. https://doi.org/10.1080/14683849.2017.1387479
     [Google Scholar]
  20. Kuuire, V. Z., Arku, G., Luginaah, I., Abada, T., & Buzzelli, M. (2016). Impact of remittance behaviour on immigrant homeownership trajectories: An analysis of the Longitudinal Survey of Immigrants in Canada from 2001 to 2005. Social Indicators Research, 127(3), 1135–1156. https://doi.org/10.1007/s11205-015-1011-9
     [Google Scholar]
  21. Lössbroek, J., De Regt, S., Fokkema, T., & Das, M. (2024). De ongelijkheid van pensioeninkomens van migranten. Demos, 40(1), 1–4.
     [Google Scholar]
  22. Lössbroek, J., & Fokkema, T. (2022). Waar komt armoede onder gepensioneerde migranten vandaan? Demos, 38(10), 5–7. https://nidi.nl/wp-content/uploads/2024/01/demos-40-01.pdf
     [Google Scholar]
  23. Lössbroek, J., & Van Duuren, E. (2025). Pensioenarmoede: wie vraagt geen aanvullende uitkering aan? Demos, 41(5), 4–7.
     [Google Scholar]
  24. Lössbroek, J., & Van Tubergen, F. (2024). Saving behavior among immigrant and native youth. Comparative Migration Studies, 12(31), 1–18. https://doi.org/10.1186/s40878-024-00389-w
     [Google Scholar]
  25. Nam, Y., Sherraden, M. S., Huang, J., Lee, E. J., & Keovisai, M. (2019). Financial capability and economic security among low-income older asian immigrants: Lessons from qualitative interviews. Social Work, 64(3), 224–232. https://doi.org/10.1093/sw/swz015
     [Google Scholar]
  26. Nam, Y., Sherraden, M. S., Lee, E. J., & Huang, J. (2022). Building financial capability among low-income older Asian immigrants: The roles of financial access and locus of control. Journal of Consumer Affairs, 56(4), 1683–1704. https://doi.org/10.1111/joca.12486
     [Google Scholar]
  27. Nederlandse Arbeidsinspectie. (2024). Onderzoeksrapport Dienstverlening voor ouderen en nabestaanden.
     [Google Scholar]
  28. Novum Innovatielab. (2020). Secure Multi Party Computation. https://novum.nu/project/secure-multi-party-computation/
     [Google Scholar]
  29. Rijksoverheid. (2023). Kabinet maakt gebaar van erkenning naar ouderen van Surinaamse herkomst. https://www.rijksoverheid.nl/actueel/nieuws/2023/10/04/kabinet-maakt-gebaar-van-erkenning-naar-ouderen-van-surinaamse-herkomst
     [Google Scholar]
  30. Scholte, R., & Lammers, M. (2017). Inkomenspositie ouderen. SEO-rapport nr. 2017-09. https://www.seo.nl/wp-content/uploads/2020/04/2017-09_Inkomenspositie_ouderen.pdf
     [Google Scholar]
  31. Seibel, V. (2021). What do migrants know about their childcare rights? A first exploration in West Germany. Journal of International Migration and Integration, 22(3), 1181–1202. https://doi.org/10.1007/s12134-020-00791-0
     [Google Scholar]
  32. Simonse, O. (2024). Financial stress by design: examining barriers to social welfare take-up. PhD dissertation University of Leiden.
     [Google Scholar]
  33. Sin, C. H. (2004). Sampling minority ethnic older people in Britain. Ageing and Society, 24(2), 257–277. https://doi.org/10.1017/S0144686X03001545
     [Google Scholar]
  34. Topa, G., Moriano, J. A., Depolo, M., Alcover, C. M., & Morales, J. F. (2009). Antecedents and consequences of retirement planning and decision-making: A meta-analysis and model. Journal of Vocational Behavior, 75(1), 38–55. https://doi.org/10.1016/j.jvb.2009.03.002
     [Google Scholar]
  35. Veldman, K. (2025). De feiten rond het geld dat immigranten naar hun geboorteland sturen. Demos, 41(7), 5-7.
     [Google Scholar]
  36. Veldman, K., Henkens, K., Lössbroek, J., & Van Tubergen, F. (2025). What explains the migrant pension penalty? A systematic review and comprehensive model. Work, Aging and Retirement. https://doi.org/https://doi.org/10.1093/workar/waaf002
     [Google Scholar]
  37. Veldman, K., & Lössbroek, J. (2024). Pensioenarmoede onder migranten: onderzoek, beleid en praktijk. Pensioen Magazine, 29(1), 11–15.
     [Google Scholar]
  38. Zheng, Y., Gu, Y., Backus, A., & Van Soest, A. (2022). The value of host-country language: The effect of Dutch language proficiency on immigrants’ income, savings and financial wealth in the Netherlands. Proceedings Ofthe 44th Annual Conference of the Cognitive Science Society, 44(44).
     [Google Scholar]
/content/journals/10.5117/MEM2025.3.003.DELF
Loading
Hoe ziet de pensioenopbouw en pensioensituatie van niet-westerse migranten eruit? Een kwalitatieve studie
M&M 100, 271 (2025); https://doi.org/10.5117/MEM2025.3.003.DELF
/content/journals/10.5117/MEM2025.3.003.DELF
/content/journals/10.5117/MEM2025.3.003.DELF
Loading

Data & Media loading...

Keyword(s): migrants; poverty; retirement; retirement preparation

Most Cited Most Cited RSS feed

Dit is een verplicht veld
Graag een geldig e-mailadres invoeren
Approval was a Success
Invalid data
An Error Occurred
Approval was partially successful, following selected items could not be processed due to error