Business · Malaysia Bureau
Structured approach needed to lift homeless into self-reliance: activist
A social advocate is calling for comprehensive pathways to help homeless individuals rebuild their lives, proposing innovative financial schemes to support housing and economic stability.
LSN Malaysia ·

Hartini Zainudin, founder of Yayasan Chow Kit, has urged policymakers and social organizations to establish structured frameworks that guide homeless populations toward sustainable independence rather than relying solely on temporary assistance programs.
Zainudin's proposal centres on creating systematic transitions that address both immediate needs and long-term self-sufficiency. The approach emphasizes moving beyond conventional aid models to develop comprehensive support systems tailored to individual circumstances.
Central to her recommendation is the introduction of a matched-savings scheme, designed to enable vulnerable individuals to accumulate financial resources while simultaneously building pathways toward stable housing. Under such a model, contributions made by participants would be supplemented by external funding, accelerating their ability to secure accommodation and establish economic footing.
The initiative reflects growing recognition among social advocates that effective homelessness interventions require coordinated strategies combining financial literacy, employment support, and housing access. Zainudin's framework suggests that strategic investment in such mechanisms could yield significant returns in reducing homelessness while promoting dignity and autonomy among beneficiaries.
Her recommendations come amid ongoing discussions in Malaysia regarding effective social safety nets and sustainable approaches to addressing urban poverty and housing insecurity.