World Bank concludes SHA is unsustainable, says it might collapse The World Bank has cautioned the Kenyan government that the Social Health Authority (SHA) risks collapsing if the current approach to its funding is not reviewed. In its latest report titled Public Finance Review (PFR) released on May 27, the World Bank stated that the sustainability of the Social Health Insurance Fund (SHIF) is undermined by Kenya’s largely informal labor market. The Multilateral lender, cautioned that the government's dependency on these Kenyans, majority of whom do not contribute—puts the government's annual target of Ksh157 billion at risk.