NBBL

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NBBL

• The Norwegian Federation of Co-operative Housing
  Associations (NBBL)
• 92 co-operative housing associations
• 4600 housing co-operatives affiliated
• 250 000 housing units
• 20 000 working as volunteers
• In Oslo 40 of households live in co-operative
  owned dwellings

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DUGNAD sweat equity

• NBBL 60 years anniversary
• 10 years in development co-opration
• South Africa
• Zambia
• Tanzania
• Kenya
• Latin America
• Bosnia
• North-Vest Russia

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NBBLs mission in development co-operation

• Contribute towards poverty reduction through
  improvement of housing and settlements
• Utilizing experiences of the Norwegian
• co-op housing movement
• Working in partnership with organisations in the
  South

Eventuell kommentar
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Housing micro finance

• A tool for housing development?
• A tool for sustainable urban development?
• WAT Tanzania core house, self built, micro
  finance
• NACHU Kenya walk-up flats, self built,
  incremental development, micro finance

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WATs experiences

• Dream house people have big families, need a big
  house, the swahili house, several bedrooms, min
  75 sqm
• IDLE houses incomplete for many years/capital
  invested non productive
• Affordability the relationship between peoples
  abilities of monthly repayment, size of
  house/time it takes to complete

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• DEMO-house
• Building Research Institute, Tanzania
• Co-operating with WAT
• Appropriate technology
• Soil-cement blocks, interlocking

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• Demo-house
• House that grows
• Production soil cement blocks

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Demo-house, finished first phase

• Demo house25 sqm, two rooms, latrine teacher,
  wife, two children borrowed from WATs micro
  finance
• total Tshs 3 mill/ 2500 repayment period
  4 yearspay 60 per monthneed income of 200
• after 2 years, roll-over, start to build another
  25 sqm

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Core house - big investment

• Core House with latrine 2 500
• Even core house big investment for low income
  people
• Need to pay 60 per month to repay in 4 years
• People that can only pay 20 per month need
  10-12 years to pay for 25 sqm

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Lessons learned

• New housing construction using micro-finance
  works with lower to medium income people
• Appripriate technology/local building materials a
  pre-conditon to bring down cost
• House a product
• Very low income people- micro finance for
• Housing upgrading
• Income generating activities

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continuing urbanisation-new challenges

• Cities transform into higher densities /multi
  storey structures.
• Offers new challenges!
• The self-help and squatter upgrading approach
  from the seventies not sufficient

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Urban slums becoming vertical

• Matara valley in Nairobi
• Slum lords build illegal multi storey housing
• rooms let out to crowds of poor people
• no proper sanitation facilities
• people being exploited
• the structure is unsafe
• overloading the water and sanitation system

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NACHUItambya Housing Co-operative

• 14 women
• Used their savings
• Took a loan from NACHU
• Five storey block
• Ground floor commercial
• 12 flats upper floors
• Built in phases

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• First phaseTwo storey
• Five shops on ground floor
• Three flats first floor
• Costs 20 000
• NACHU loan 9000
• Co-operative raised 11 000
• Income shops and flats per month Kshs 458
• Paid back NACHU
• Take a new loan for second phase

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• A female headed family renting one of the flats
• Rent per month 50

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Second phase Three new storeys with flats
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Lessons learned Development of walk-up flats-

• Self built properly organised through
  co-oprative, number of members small
• Supervised by NACHU
• Built in stages, using micro finance
• Income from commercial on ground floor helps the
  affordability
• Can work!
• Scaling up?

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(Only) South Africa has answers

• By providing an enabling environment
• comprehensive policy/ multiple approaches
• Subsidies/housing bank
• supporting Peoples Housing Process/self-help
  housing squatter upgrading
• As well as
• developing Social Housing (non profit )rental and
  co-operatives
• apartment blocks/walk-ups in inner city areas
• for low income people
• where they have their jobs
• LOCOMOTIVE for rest of Africa?

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DIFIDs evaluation of Copes co-ops

• A study (DFID/Payne, 2001) gives a very positive
  description of co-operative housing developed by
  Cope
• The co-operative model delivers secure tenure
  rights over good quality housing stock in areas
  that are well located, which beneficiaries are
  proud to call town-houses, a term normally used
  for middle-income housing stock a viable
  alternative to the individually owned
  one-house-per-plot model that dominates the South
  African landscape.

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Housing Micro-Finance Lessons and Future
Directions from Eastern Southern Africa

• Tabitha Siwale
• Executive Director,
• WAT Human Settlements,
• Tanzania

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Housing Micro-Finance Lessons and Future
Directions from Eastern Southern Africa

• Barry Pinsky
• Executive Director
• Rooftops Canada - Abri International,

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Housing Micro-Finance Lessons and Future
Directions from Eastern Southern Africa
Mary Mathenge General Manager, National
Cooperative Housing Union, Kenya