ABSTRACT

This book explores the linkages between formal and informal housing finance drawing upon the lessons of NGO and micro-finance practices. Both public and private formal finance institutions have experienced great difficulty in lending below a middle-income client group, and are often reluctant to lend for the purpose of housing at all. This failure of formal finance to filter down to low-income households, and in particular to women, has led various NGOs and community groups to create and adopt innovative finance programmes, such as informal savings banks and credit rotating schemes. The authors critically assess the impact of theses schemes, and evaluate links between gender, housing and finance.

part 1|55 pages

Position Papers

chapter 1|23 pages

From Self-Help to Self-Finance

The Changing Focus of Urban Research and Policy

chapter 1 3|12 pages

Housing Finance in Developing Countries

A Review of the World Bank's Experience 1

part 2|97 pages

Formal and Informal Housing Finance

chapter 2 7|17 pages

Better A ‘Hut' on the Ground Than a Castle in the Air

Formal and Informal Housing Finance for the Urban Poor in India 1

chapter 2 8|17 pages

Affording a Home

The Strategies of Self-Help Builders in Colombia

part 3|92 pages

Gender, NGOs and Micro-Finance

chapter 3 10|12 pages

Interpreting Gender and Housing Finance in Community Practice

The SPARC, Mahila Milan and NSDF Experience

chapter 3 11|12 pages

Gender and Micro-Finance in Sri Lanka

The Experience of the Women's Credit Union 1

chapter 3 12|11 pages

Informal Finance and Women's Survival Strategies

Case Studies from Cameroon and Zambia

chapter 3 14|14 pages

Engendering Finance

A Comparison of Two Micro-Finance Models in El Salvador