ABSTRACT
Social economy has an impact on growth, employment creation and welfare endeavours to enhance social, economic, and environmental conditions of communities. It comprises a kind of buffer between the market economy private enterprise and the public sectors. Institutional diversity may be as important as biological diversity for our long-term survival. National Housing Bank (NHB), which regulates Housing Finance records; 'Affordable Housing has serious implications for the country's housing sector as the wide gap between the demand and availability of housing units increasing'. Sivagangai District is an interesting case for generating housing micro-finance for various reasons such as the type of housing, agrarian workforce, industrially-backward districts and Below Poverty Line (BPL) population. A sanctioning letter is sent to the beneficiaries once the list is finalised by District Rural Development Agency (DRDA), based on the BPL census. The DRDA data on government housing schemes show that there was an almost 50 per cent drop in providing housing for marginalised communities.
