PHIRI, Florence; YOHANE, Romeo. Systemic Challenges and Reform Pathways for Enhancing Pension Scheme Effectiveness: Empirical Evidence from Zambia’s National Pension Scheme Authority. African Journal of Commercial Studies, [S. l.], v. 7, n. 3, p. 15–22, 2026. DOI: 10.59413/ajocs/v7.i3.3. Disponível em: https://ijcsacademia.com/index.php/journal/article/view/496. Acesso em: 30 apr. 2026.