As Zambia grapples with a widening housing deficit and growing calls for innovative financing solutions, experts say the country’s pension system may be fundamentally ill-designed to support home ownership highlighting that structural design, rather than institutional failure, remains the biggest obstacle preventing pension savings from becoming a housing finance tool. Growing debate around whether pension contributions can be leveraged to expand access to housing has largely focused on institutions such as the National Pension Scheme Authority (NAPSA), but emerging expert insights suggest the issue lies deeper within the architecture of Zambia’s retirement system itself. In an interview with Zambian Business...
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