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Submitted
December 16, 2025
Accepted
April 17, 2026
Published
April 21, 2026
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Abstract

Retirement is an inevitable end for people engaged in full-time employment. But the quality
of life after retirement is a grave concern for many because retirement is not well prepared for.
Seventh-day Adventist Church pastors in Africa traditionally rely on church-sustaining benefits
for retirement. However, the inadequacy of such provisions has left many pastors in penury at
retirement. This study investigated the pre-retirement financial behaviorsand preparedness of
Seventh-day Adventist pastors in Africa. It focused on Seventh-day Adventist (SDA) pastors
studying at the Theological Seminary of the Adventist University of Africa (AUA), Kenya. The
study adopted a descriptive, quantitative research design. A total of 105 pastors participated in
the study. The data were analyzed using descriptive statistics, such as frequency and percentage.
The findings revealed positive pre-retirement behaviour but low financial literacy and inadequate
financial preparedness for retirement. Therefore, activities and policies that can increase financial
education and pension scheme literacy should be implemented in the ministerial education.
Furthermore, ongoing educational initiatives and collaborations with financial experts to mentor
pastors are worthwhile and beneficial for enhancing pre-retirement behavior and financial
preparedness among SDA pastors in Africa.

Keywords

Pre-Retirement Financial Behaviors Preparedness Seventh-day Adventist Pastors

Article Details

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Copyright (c) 2026 Angela Nwaomah, Prof. Sampson M. Nwaomah

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This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Author Biography

Prof. Sampson M. Nwaomah, Adventist University of Africa

 Sampson M. Nwaomah is a professor of New Testament Interpretation and Applied Theology at the Theological Seminary, Adventist University of Africa

How to Cite
Nwaomah, A., & Nwaomah, S. M. (2026). Pre-Retirement Financial Behavior and Preparedness of Seventh- day Adventist Pastors in Africa: A Study of Graduate Ministerial Students. Pan-African Journal of Education and Social Sciences, 6(3), 124–141. https://doi.org/10.56893/pajes2025v06i03.08
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