Our Strategy
Shared value
NSSF shared value statement
For 40 years, NSSF has been more than a custodian of member savings. We have been a catalyst for socio-economic transformation, resilience, and national development, growing from an initial asset base of less than UGX 100 billion to managing over UGX 26 trillion today. Our legacy is built on prudent stewardship, innovation, and the trust of more than 2.5 million members.
We believe that financial strength and social progress are inseparable. Guided by ESG principles and aligned to our Vision 2035 (50:50:95 Agenda), we create shared value by safeguarding member savings, investing responsibly in Uganda’s future, and expanding inclusion so that prosperity is both sustained and shared.
Read more about Vision 2035
Planet
Profit
Programme highlights integral to shared value
Financial Literacy Programme
Launched in 2019 in response to a 2018 survey showing that 90% of beneficiaries depleted their savings within two years, the Programme equips members and the wider public with the knowledge and tools to make informed financial decisions. It addresses this challenge by promoting responsible financial behaviour, advancing shared prosperity, and improving members’ well-being while empowering them to uplift their communities.
Since inception, the Programme has reached more than 574,000 Ugandans through training sessions, webinars, and outreach activities; 15,885 members participated in training during the year. It continues to scale through schools, workplaces, and digital platforms, reflecting our conviction that financial literacy is the foundation of financial security and sustainability, and a key driver of powering growth and empowering generations.
Hi-Innovator Programme
Launched in partnership with the Mastercard Foundation, Hi-Innovator was a five-year initiative
dedicated to empowering youth and small and medium-sized businesses (SMBs) through entrepreneurial
education, seed funding, and technical support.
Since August 2020, the programme has trained 81,073 entrepreneurs, seed-funded 438 businesses
— 70% of them women-led — and created 202,323 employment opportunities nationwide. This in turn has
contributed to growth in NSSF membership and new contributions.
While the initial cycle concluded in 2025, its impact provides a platform for the next phase: scaling
support to 1,000 additional businesses, launching a growth fund with larger follow-on capital, and
expanding compliance and inclusion measures.
Driving innovation and inclusion
Innovation is central to how we serve. Internal initiatives like Uncle Bob are reshaping the livelihoods of artisans by creating digital platforms that enhance visibility, professionalise services, and expand access to financial systems.
Similarly, the Livelihoods Support Project seeks to enrol over 4 million informal sector workers into social security, ensuring no Ugandan is left behind.
Broader commitments to shared value
Members and communities:
Expanding coverage through voluntary savings products like Smartlife Flexi and scaling outreach programmes such as the Career Guidance Programme (impacting over 300,000 students in 15 years) and the NSSF Kampala Hills Run (rehabilitating 68 classroom blocks, benefitting over 18,600 pupils daily)
Economy:
Investing in affordable housing, infrastructure, capital markets, and entrepreneurship, creating jobs, strengthening financial systems, and reducing reliance on government borrowing
Environment:
Integrating green building practices, renewable energy, water efficiency, and committing to Net-Zero emissions by 2050
Governance:
Maintaining transparency and accountability through award-winning integrated reporting, rigorous audits, and 97% local sourcing, supported by supplier forums, mentorship, and strict ethical standards
People and culture:
Building a high-engagement workforce (91% engagement rate, 95% alignment with purpose) supported by staff growth and inclusion initiatives such as Pathfinder (for women), MenSpace (for men), and wellness programmes
Our commitment
Sustainability is not an add-on; it is the way we operate. We continue to align with the UN Sustainable Development Goals, particularly SDG 1 (No Poverty), SDG 5 (Gender Equality), SDG 8 (Decent Work and Economic Growth), and SDG 13 (Climate Action). Our strategic investments, financial inclusion programmes, and innovation initiatives confirm that creating shared value is fundamental to our resilience and legacy.
As we commemorate 40 years of building Uganda’s future, our promise is clear: to power growth, empower generations, and ensure that prosperity is not only sustained, but shared.