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Rwanda launches Digital platform For pensioners To Track & Make Contributions

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Rwanda Social Security Board (RSSB) has launched a cutting-edge platform designed to empower members with enhanced visibility of their pension contributions.

The platform, ‘Imisanzu’ ( offers a seamless and convenient solution for members to access their social security contributions and benefits.

With increased transparency and visibility, the need for in-person visits to RSSB branches is minimized.

The platform is designed to provide 24/7 self-service access to members. The platform is fully built in-house, ensuring the security and privacy of members’ information.

At the launch of Imisanzu, Regis Rugemanshuro, the CEO of RSSB said that, “Imisanzu represents our efforts to digitize all of our services and offer efficient and convenient options for our members. This platform eliminates the need for members to physically visit our offices to check their pension contribution status.”

“With easy access to this information at their fingertips, our members can ensure that their pension rights are fulfilled by their employers and make informed decisions for their financial security,” he added.

He said that Imisanzu empowers members with the tools and information needed to make informed decisions about their social security and retirement plans.

This will also increase the retirement literacy with features pension simulations.

“Both the employer and the employee are required to contribute an equal amount equivalent to 3% of their employees’ gross salaries towards pension contributions.

It is mandatory to employers to pay each month the contributions and RSSB is responsible for collecting these contributions and disbursing pension benefits when they become payable.

The Imisanzu platform will empower employees with an ease of access to their contributions
made on their behalf, therefore ensuring improved compliance by employers.

Regis accused some employers of taking advantage of their employees by deducting their pension contributions but not remitting it to RSSB as required.

This may lead to heart breaking scenarios where hardworking individuals reach retirement only to find out their future financial security was in jeopardy.

“RSSB knew something needed to be done to prevent this from happening again, and that is why they developed Imisanzu to empower members,” added Regis.

“The advantage with this platform is that I can now decide when I want to retire. I now know how much I’ll earn in pension,” Professor Silas Lwakabamba shared his user experience at the launch of the Platform.

Lwakabamba is Regional Managing Director (Africa Hub) for Coventry University (UK), Kigali, Rwanda.

RSSB says putting members first and the Imisanzu platform will empower members with a full digital experience for all services, not just the pension scheme.

The goal is to enable members to benefit from seamless digital social security services, eliminating the need for in-person visits to our branches and reducing long wait times.

RSSB’s plan is to run an efficient, paperless solution that will continue to evolve and expand to offer a full range of social security services available online such as giving members access to their health insurance information, apply for pension, access their long-term saving scheme (EjoHeza), occupational hazards, etc.

Members will have convenient, 24/7 access to these services through multiple platforms, including their mobile phones.

The creation of the Imisanzu platform is just one piece of the innovative digital solutions being developed in-house by RSSB.

Another example is the Intelligent Health Benefits System (IHBS), which will digitize the medical insurance claim management process at health facilities for both RAMA and CBHI.

This aligns with RSSB’s digital transformation strategy, where RSSB has set plans to fully automate and bring all its services online by 2025.

The pension sector is currently the second largest sub-sector of Rwanda’s financial sector, accounting for 16.7% of the sector (source: BNR Monetary Policy Statement), while the pension scheme managed by RSSB is the largest pension scheme in the country with total assets under management of Rwf 1.3 trillion.

Pension contribution increased by 17% from Rwf 106.8 billion in June 2021 to Rwf125.7 billion in June 2022.Investment income also increased by 25% from Rwf 49.7 billion to Rwf 62.1 billion over the same period.

This is in line with our Strategic Plan 2025 goals to secure higher returns from our investments.

Correspondingly, the pension benefits paid out also grew by 17.1% during the same period, increasing from Rwf35.2 billion to over Rwf41.3 billion.

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