Access the full text.
Sign up today, get DeepDyve free for 14 days.
J. Kironde (1991)
Sites-and-services in Tanzania: The case of Sinza, Kijitonyama and Mikocheni areas in Dar-es-SalaamHabitat International, 15
D. Mitlin (2003)
Addressing urban poverty through strengthening assetsHabitat International, 27
R. Atkinson, K. Kintrea (2001)
Disentangling Area Effects: Evidence from Deprived and Non-deprived NeighbourhoodsUrban Studies, 38
John Kombe (1994)
The demise of public urban land management and the emergence of informal land markets in TanzaniaHabitat International, 18
A. Kyessi (2010)
Formalisation of Unplanned Settlements and Its Implications on Poverty Reduction: The Case of Dar es Salaam City, 8
P. Smets (2000)
ROSCAs as a Source of Housing Finance for the Urban Poor: An Analysis of Self-help Practices from Hyderabad, IndiaCommunity Development Journal, 35
Siwan Anderson, J. Baland, K. Moene (2009)
Enforcement in informal saving groupsJournal of Development Economics, 90
T. Burke, L. Ralston (2004)
Measuring housing affordabilityAHURI Research and Policy Bulletin
G. Sukumar (2001)
Institutional potential of housing cooperatives for low-income households: The case of IndiaHabitat International, 25
K. Adenji
Transportation planning. Readings in Urban and Regional
J. Kironde (2000)
Understanding land markets in African urban areasHabitat International, 24
J. Lupala (2002)
Urban types in rapidly urbanising cities
M. Al-Aghbari, Wa'el Abdulmoghni (2010)
Factors affecting construction costs in affordable housing for low-income group in Sana'a, Yemen
P. Austin (2009)
The affordable housing: Enabling territorial authorities Act 2008 - when policy transfer fails
T. Agbola, L. Egunjobi, C. Olatubara
Housing Development and Management: A Book of Readings
B. Ferguson, J. Navarrete (2003)
A financial framework for reducing slums: lessons from experience in Latin AmericaEnvironment & Urbanization, 15
C. Toulmin (2009)
Securing land and property rights in sub-Saharan Africa: The role of local institutionsLand Use Policy, 26
Marcel Ed, A. Swaan, M. Linden (2006)
Mutualist microfinance: informal savings funds from the global periphery to the core?
P. Smets (2006)
Changing financial mutuals in urban India. Practice, functions, trust and development trajectories
A. Parsa, Fahad Nakendo, W. Mccluskey, M. Page (2011)
Impact of formalisation of property rights in informal settlements: Evidence from Dar es Salaam cityLand Use Policy, 28
B. Ferguson, P. Smets (2010)
Finance for incremental housing: current status and prospects for expansionHabitat International, 34
J. Crush (1992)
The Compound in Post-Apartheid South AfricaGeographical Review, 82
B. Ferguson (2003)
Housing microfinance – a key to improving habitat and the sustainability of microfinance institutionsSmall Enterprise Development, 14
E. Sjaastad, B. Cousins (2009)
Formalisation of land rights in the South: An overviewLand Use Policy, 26
G. Feder (1991)
Land Tenure and Property Rights: Theory and Implications for Development PolicyThe World Bank Economic Review, 5
A. Durand-Lasserve, H. Selod (2009)
The Formalization of Urban Land Tenure in Developing Countries
Wa’el Alaghbari, A. Salim, K. Dola, Abang Ali (2011)
Developing affordable housing design for low income in Sana'a, YemenInternational Journal of Housing Markets and Analysis, 4
G. Eijk (2010)
Does living in a poor neighbourhood result in network poverty? A study on local networks, locality-based relationships and neighbourhood settingsJournal of Housing and the Built Environment, 25
Vinit Mukhija (2002)
New houses for old in Mumbai: An attractive but problematic strategyInternational Development Planning Review, 24
P. Smets (2006)
Small is beautiful, but big is often the practice: Housing microfinance in discussionHabitat International, 30
T. Agbola
Housing Development and Management: Book of Readings in Urban and Regional
S. Sheuya (2007)
Reconceptualizing housing finance in informal settlements: the case of Dar es Salaam, TanzaniaEnvironment & Urbanization, 19
A. Smart (1986)
Invisible real estate: investigations into the squatter property marketInternational Journal of Urban and Regional Research, 10
Asthana Bhushan (2007)
Statistics for Social Sciences
K. Datta, G. Jones (2001)
Housing and finance in developing countries: invisible issues on research and policy agendasHabitat International, 25
Vinit Mukhija (2003)
Squatters as Developers?: Slum Redevelopment in Mumbai
Şebnem Eroğlu (2010)
Informal Finance and the Urban Poor: An Investigation of Rotating Savings and Credit Associations in TurkeyJournal of Social Policy, 39
P. Healey (1991)
Models of the development process: A reviewJournal of Property Research, 8
D. Camilleri (2011)
A long-term analysis of housing affordability in MaltaInternational Journal of Housing Markets and Analysis, 4
Ramin Keivani, E. Werna (2001)
Modes of housing provision in developing countriesProgress in Planning, 55
S. Sheuya (2004)
Housing transformations and urban livelihoods in informal settlements : the case of Dar es Salaam, Tanzania
P. Smets (2004)
Housing Finance and the Urban Poor
A. Stein, Luis Castillo (2005)
Innovative financing for low-income housing improvement: lessons from programmes in Central AmericaEnvironment & Urbanization, 17
Vinit Mukhija (2004)
The Contradictions in Enabling Private Developers of Affordable Housing: A Cautionary Case from Ahmedabad, IndiaUrban Studies, 41
William Trochim, James Donnelly (2001)
Research methods knowledge base
Purpose – The purpose of this paper is to identify and analyse the methods of housing finance adopted by the low income and informal groups in Nigeria. Design/methodology/approach – A survey of 300 households in selected areas (low‐income/informal) of Jos Metropolis, Nigeria, was carried out, concerning the methods of housing finance used for building and home improvement. Findings – The survey showed that 75 per cent of the households utilized traditional methods of financing and 25 per cent using modern methods. Research limitations/implications – Based on data collected from the survey, the research serves as a basis for further research into traditional methods of housing finance in developing countries. Practical implications – The analysis of traditional financing methods highlights the range and structure of the traditional methods of financing in operation in informal and low income areas of Jos Metropolis, Nigeria. For example, informal and customary/traditional methods (Esusu/Asusu, Age grade association, Men's Revolving Loan Association, Social club contribution among others), of financing appear to be very effective housing finance methods. Social implications – The paper shows that In the absence of formal institutional financing methods, strengthening the community‐based social network through formalisation and empowerment for housing finance becomes vital. Originality/value – It is argued that it is possible to utilise and formalise these traditional methods of housing finance, in order to enhance access to finance for housing development in low‐income urban areas in developing countries.
Journal of Financial Management of Property and Construction – Emerald Publishing
Published: Nov 8, 2011
Keywords: Nigeria; Housing; Financing; Urban areas; Low pay; Developing countries; Traditional methods
Read and print from thousands of top scholarly journals.
Already have an account? Log in
Bookmark this article. You can see your Bookmarks on your DeepDyve Library.
To save an article, log in first, or sign up for a DeepDyve account if you don’t already have one.
Copy and paste the desired citation format or use the link below to download a file formatted for EndNote
Access the full text.
Sign up today, get DeepDyve free for 14 days.
All DeepDyve websites use cookies to improve your online experience. They were placed on your computer when you launched this website. You can change your cookie settings through your browser.