Nigeria’s deepening housing deficit continues to leave a significant proportion of the population without access to adequate shelter with conventional housing finance remaining largely inaccessible to low and middle-income earners, thus, reinforcing the need for innovative alternatives. This newsletter examines the potential of Shari’ah-compliant financing models as a sustainable and inclusive pathway to home ownership, exploring their structure and the key legal and practical considerations for implementation, while drawing on international best practices and offering policy recommendations to bridge the housing gap.
