Effect of Accessibility to NSSF Services on Individual Financial Sustainability Among Selected Pensioners from The National Social Security Fund in Iringa Region Office

Author

Judith Munuo, Theobald Kipilimba, Haji Ng’elenge


Abstract

 This study assessed the effect of accessibility to National Social Security Fund (NSSF) services on individual financial sustainability among selected pensioners from the NSSF Iringa Regional Office. The study focused on accessibility to pension information, convenience of accessing NSSF services, availability of service channels and ease of obtaining support from NSSF. A mixed research approach using a cross-sectional research design was adopted. Data were collected from 202 selected pensioners through structured questionnaires and five NSSF staff through semi-structured interviews. Quantitative data were analysed using Statistical Package for the Social Sciences (SPSS) version 26 through descriptive statistics, Pearson correlation and regression analysis, while qualitative data were analysed thematically. The findings showed that accessibility to NSSF services was positively associated with individual financial sustainability among pensioners. Easy access to pension information, convenient service channels and timely support from NSSF enabled pensioners to obtain services, understand their pension benefits and plan their financial needs more effectively. The findings further showed that difficulties in accessing services, limited information and delays in obtaining assistance affected pensioners’ ability to manage their financial needs effectively. The study concludes that accessibility to NSSF services has an important effect on individual financial sustainability among pensioners in Iringa Region. The study recommends that NSSF strengthen accessibility through improved physical and digital service channels, timely provision of pension information and responsive support services to enable pensioners to manage their financial resources more effectively.



Keywords

Accessibility to NSSF Services; Individual Financial Sustainability; Pensioners; National Social Security Fund; Pension Services; Iringa Region.



Full Text:

Download Paper PDF


References


Barr, N., & Diamond, P. (2008). Reforming pensions: Principles and policy choices. Oxford University Press.

Bank of Tanzania. (2024). Annual financial inclusion report 2023. Bank of Tanzania.

Bank of Tanzania. (2025). Annual financial inclusion report 2024. Bank of Tanzania.

International Labour Organization. (2024). World social protection report 2024–26: Universal social protection for climate action and a just transition. International Labour Organization.

International Social Security Association. (2025). Quality pension service delivery in Asia and the Pacific. International Social Security Association.

Isaka, I. C., & Ndanshau, M. O. A. (2020). Empirical analysis of the adequacy of the pension system in Mainland Tanzania. Tanzanian Economic Review, 10(2), 23–47. https://doi.org/10.56279/ter.v10i2.63

Kimuganyila, S. B., & Daninga, P. D. (2023). Effectiveness of service provision to pensioners: A case of Public Service Social Security Fund beneficiaries in Dar es Salaam, Tanzania. In B. E. Losioki et al. (Eds.), Proceedings of the 1st Academic Conference in Commemoration of the Late Mwalimu Julius Kambarage Nyerere, the First President of the United Republic of Tanzania and Father of the Nation.

Kumar, P., & Dada, M. (2021). Investigating the impact of service line formats on satisfaction with waiting. International Journal of Research in Marketing, 38(4), 974–993. https://doi.org/10.1016/j.ijresmar.2020.12.003 

Kurnia Sari, A., Wid Dia, & Lestari Nasution, A. I. (2025). The challenge digitalisation of pension fund services for elderly pensioners: Evaluation of the Dapenbun Online application at PTPN III Medan. TSARWATICA (Islamic Economic, Accounting and Management Journal), 6(2). https://doi.org/10.35310/tsarwatica.v6i2.1383

Modigliani, F., & Brumberg, R. (1954). Utility analysis and the consumption function: An interpretation of cross-section data. In K. K. Kurihara (Ed.), Post-Keynesian economics (pp. 388–436). Rutgers University Press.

Mtasigazya, P. (2024). The efficacy of pension administrative reforms on retirees’ benefits in Tanzania: The case of Ilala District. World Academics Journal of Management, 12(3), 71–83.

National Social Security Fund. (2024). Annual report and financial statements for the year ended 30 June 2024. National Social Security Fund.

National Social Security Fund. (2026). NSSF services. National Social Security Fund.

Twalib, N. H., & Jilenga, M. T. (2024). Determinants of financial performance of pension funds in Tanzania: The case of National Social Security Fund. International Journal of Business, Economics and Management, 11(2), 19–27. https://doi.org/10.18488/62.v11i2.3689

World Bank. (2022). Societal aging. World Bank.

 

 

 

Share your valuable work from Social Media Buttons