A significant apathy towards savings is hindering Kenya's affordable housing initiative, with nearly 80 percent of registered individuals failing to make any contributions. This lack of participation poses a major challenge to the fund's objectives.

• Over 650,000 of the 816,780 Kenyans registered on the Boma Yangu portal have not made any contributions.
• The National Housing Corporation (NHC) manages the portal where Kenyans can save towards housing units.
• Despite the low contribution rate, the Kenya Revenue Authority (KRA) has collected Sh125 billion through the housing levy since its inception, with Sh73.1 billion collected in the year ending June 2025.