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