Pension Policy Dimension to Ghanaian Workers’ Housing Needs Provision

Abstract

The paper explores workers’ housing needs, expectations and pension policy compatibility to meeting this need using the pension system as a mortgage facility. Use was made of a cross-sectional design. A sample of 131 workers was selected through convenient sampling. The findings show that workers have need for houses with retirement in focus and that they expect government to provide them with affordable houses. Government’s provision of these housing needs can purportedly be met via the national pension system’s mortgage facility. Significantly, house acquisition situated within the context of retirement preparation is indicative of retirement portfolio diversification. The findings have implications for promoting housing provision for all workers.