Housing and finance in developing countries

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. Housing And Finance In Developing Countries 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 Purposes 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 These Schemes And Evaluate Links Between Gender, Housing And Finance. Providing Important Insights Into How Housing Provision Is Affected By Accessibility To Finance, This Book Will Be Particularly Valuable To Those Studying Within Geography, Urban Studies And Development, As Well As To Practitioners In Ngos And International Institutions. From Self-help To Self-finance: The Changing Focus Of Urban Research And Policy / Gareth A. Jones, Kavita Datta -- Housing Finance And Non-governmental Organizations In Developing Countries / Gareth A. Jones, Diana Mitlin -- Housing Finance In Developing Countries: A Review Of The World Bank's Experience / Robert M. Buckley -- Formal And Informal Housing Finance -- The Political Economy Of Formal Sector Housing Finance In Jamaica / Thomas Klak, Marlene Smith -- From Commercial Banking Systems To Non-commercial Banking Systems In Mexico / William J. Siembieda, Educardo Lopez Moreno -- Formal Housing Finance And The Elderly In Singapore / Kwame Addae-dapaah -- Better A 'hut' On The Ground Than A Castle In The Air: Formal And Informal Housing Finance For The Urban Poor In India / Robert-jan Baken, Peer Smets -- Affording A Home: The Strategies Of Self-help Builders In Colombia / Katherine V. Gough -- Housing Finance For Refugees And Forced Migrants In Russia / Beverley L. Drought, Gareth A. Jones -- Gender, Ngos And Micro-finance -- Interpreting Gender And Housing Finance In Community Practice: The Sparc, Mahila Milan And Nsdf Experience / Sheela Patel -- Gender And Micro-finance In Sri Lanka: The Experience Of The Women's Credit Union / Alana Albee, Nandasiri Gamage -- Informal Finance And Women's Survival Strategies: Case Studies From Cameroon And Zambia / Ann Gordon -- A Gendered Perspective On Formal And Informal Housing Finance In Botswana / Kavita Datta. Edited By Kavita Datta And Gareth A. Jones. Includes Bibliographical References (p. 247-263) And Index. 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. -- Provided by publisher.