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Social Security & Housing Finance Corporation

Contact Address:
SSHFC of The Gambia


Banjul head office
Social Security House
61 Ecowas Av. P.O. Box 570 Banjul
The Gambia, West Africa

Tel no: 4227698 / 4222273
              4222275 / 4201358
Fax:     4228688


The Social Security and Housing Finance Corporation is in charge of administering and operating 3 funds i.e. Social Security, Industrial Injuries Compensation and the Housing Finance Fund in The Gambia.

Housing Finance:-
The SSHFC provides serviced plots of land with or without small construction loans for the low and middle-income groups. They also suitable number of completed housing units for those in the middle-income groups.

The corporation is involved in various housing projects such as Brusubi, Bakoteh and Kanifing layouts. Employees are given 75% mortgages and pay off the balance on the property over 15 years.

The development and administration of housing projects is either carried out independently by the agency or in partnership with other agencies.

National Provident Fund:
Employees aged 18 to 54 in the private sector.

Pension Fund:
Employees aged 20 to 54 in quasi-government institutions and in participating private companies. This does not include temporary workers. There is a special scheme for civil servants which is catered for by the 1950 Pensions Act and another for the armed forces personnel. To qualify for an old age pension one must be aged 55 with at least 10 years of contributions. Early retirement is possible if the person is aged 45 with at least 10 years of contributions.

Disability pension:
Incapacity for work due to a disability and with at least 10 years of contributions. The medical board assesses the disability.

Mission Statement:
It is to provide adequate social protection for workers, facilitate social shelter delivery on a sustainable basis and invest funds of the corporation to achieve optimum returns possible.

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