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National Social Security Fund Integrated Report 2026
02 Our Business 09 Our business model
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Our Business

09

Our business model

We create, preserve and defend value by using our resources responsibly to generate value maximising outputs and outcomes for our members and all stakeholders.

A Ugandan business owner working among coffee plants

We believe in YOU

A shared journey to inclusive sustainable wellbeing

We create inclusive sustainable wellbeing by transforming members' savings into long-term financial security, responsible investments and shared prosperity.

Through prudent stewardship, innovation and strategic partnerships, we generate value not only for our members but also for employers, communities and Uganda's economy. Every contribution entrusted to the Fund is managed with the objective of improving lives today while securing a better future for generations to come.

Up nextOur Capitals

Our Business Model

Our capitals

01

Financial capital

Capital from contributions, investments and reserves.

02

Human capital

Our people, their skills, capabilities and commitment.

03

Intellectual capital

Systems, data, innovation and organisational knowledge.

04

Manufactured capital

Infrastructure, technology and physical assets.

05

Natural capital

Natural resources and environmental stewardship.

Up next Inputs

Our Business Model

Inputs, activities and outputs

Inputs

  • Member contributions and savings
  • Employer contributions
  • Investment income and returns
  • Talented and committed people
  • Technology, systems and data
  • Strong governance and risk culture
  • Trusted partnerships and stakeholder support
  • Natural and physical resources

Activities

  • Collect contributions from members and employers
  • Invest prudently and responsibly
  • Manage risks and ensure compliance
  • Develop and launch innovative products
  • Pay member benefits efficiently
  • Provide digital services and support
  • Promote financial literacy and inclusion
  • Engage stakeholders and build partnerships

Outputs

  • Increasing the willingness and capacity to save
  • Improved overall experience for our members
  • Improved turnaround time for payment of member benefits
  • Consistent delivery of a minimum return of 2% above inflation on member savings
  • Faster time-to-market of new products
  • Improved lives of members and communities in which we operate
  • Members can grow their savings and afford a better life after retirement
  • Improved financial resilience of our members
Up next How our value-adding activities generate positive outputs and sustained value

Our business model

How our value-adding activities generate positive outputs and sustained value

We Believe in You! A Shared Journey to Inclusive Sustainable Wellbeing. Contribute: You and your employer contribute to your future. Invest: We invest responsibly to grow your savings. Grow: Your savings grow through prudent stewardship. Protect: We manage risks and safeguard your savings. Support: We support you with information, guidance and easy access. Retire: You receive your benefits with dignity and confidence. Thrive: You and your family enjoy financial security and a better quality of life.
ContributeYou and your employer contribute to your future.
InvestWe invest responsibly to grow your savings.
GrowYour savings grow through prudent stewardship.
ProtectWe manage risks and safeguard your savings.
SupportWe support you with information, guidance and easy access.
RetireYou receive your benefits with dignity and confidence.
ThriveYou and your family enjoy financial security and a better quality of life.

We believe in YOU

A Shared Journey to Inclusive Sustainable Wellbeing

Up next Purpose in action

Purpose in action

Creating sustainable wellbeing for our members today and building a stronger Uganda for tomorrow.

Member focused

Focusing on our member inspires us.

Creativity

Doing more, doing better with what we have.

Collaboration

Different skills, one body, one purpose.

Integrity

Truthful in our actions, responsible for our decisions.

Up nextOur business model

NSSF Integrated Report 2026

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01

Report Overview

02

Our Business

03

Our Strategy

04

Our Governance

05

Our Sustainability

06

Our Performance

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