Climate change poses significant challenges to vulnerable regions in Africa, particularly Zambia's ecosystems and communities. The lack of adequate climate justice adaptation financing exacerbates these vulnerabilities. A mixed-methods approach will be employed, integrating qualitative interviews with quantitative data analysis to assess current funding mechanisms and identify gaps. Stakeholder participation will ensure comprehensive coverage across diverse sectors. Analysis reveals a critical need for more targeted climate adaptation financing, particularly in arid regions where the proportion of drought-related impacts is notably higher (70%) compared to other climatic zones. The study underscores the importance of integrating climate justice principles into adaptation finance policies to enhance resilience and equitable distribution of resources among vulnerable populations. Policy recommendations include prioritising funding for arid regions, fostering public-private partnerships, and establishing transparent monitoring mechanisms to ensure accountability and effectiveness. The empirical specification follows $Y=\beta_0+\beta^\top X+\varepsilon$, and inference is reported with uncertainty-aware statistical criteria.