scholarly journals Report of Informal Housing Policy in India

2018 ◽  
Vol 2 (3) ◽  
pp. 108
Author(s):  
Xi Peng
Keyword(s):  
Adverse Effects ◽  
Housing Policy ◽  
Low Income ◽  
Residential Location ◽  
Living Standards ◽  
Master Plan ◽  
Residential Areas ◽  
Housing Policies ◽  
Informal Housing ◽  
Building Regulations

Informal housing can be broadly defined into two types: first, those in which occupants illegally occupy a certain area of a residential location and build a dwelling on the land; second, housing or residential areas which do not meet the master plan or building regulations. This report describes and evaluates the informal housing policies in India, introducing the improvement of the living standards brought on by these policies to the low-income residents of Chennai, while the case of Kannagi Nagar will be used to analyse the adverse effects of said policies.

AN ASSESSMENT OF THE EVOLUTION OF HOUSING POLICY FRAMEWORK

2015 ◽  
Vol 2 (1) ◽  
Author(s):  
Clinton Aigbavboa
Keyword(s):  
Housing Policy ◽  
Low Income ◽  
Homo Sapiens ◽  
Theoretical Perspective ◽  
Theoretical Background ◽  
Policy Framework ◽  
Housing Policies ◽  
Secondary Sources ◽  
The Subject ◽  
Animal Skin

Globally, housing policies have been used as an attempt to try and address housing problems, particularly in respect to the low-income earners, with the view of helping them access better housing. The evolution of housing policy in developing countries has been studied and identified in different ways, however, this paper present a robust theoretical background of the developments in housing policy framework. The data used in this paper were derived from secondary sources only; through a detailed review of related literature on the subject to meet the research objectives. The study is an in-depth literature exploration of the theoretical perspective of the housing studies framework. The literature reviewed found that the theory of housing had its origin in the Paleolithic period when homo-sapiens began to use natural materials like stone, wood, leaves, animal skin and other similar items to create shelter from elements of weather. It was also found that there are various theoretical perspective frameworks that have been used in the study of housing, such as political, social, developmental, institutional, and radical perspectives amongst others. This study provides a robust theoretical framework used in housing study.

scholarly journals Can Malaysia’s National Affordable Housing Policy Guarantee Housing Affordability of Low-Income Households?

2021 ◽  
Vol 13 (16) ◽  
pp. 8841
Author(s):  
Jian Liu ◽  
Huay Ying Ong
Keyword(s):  
Housing Policy ◽  
Affordable Housing ◽  
Low Income ◽  
Household Income ◽  
Housing Affordability ◽  
Housing Policies ◽  
Compliance Cost ◽  
Income Groups ◽  
Low Income Groups ◽  
Low Income Households

Housing affordability is a long-held issue in Malaysia, and housing policies have been implemented for low-income households over the years. However, there is a contradiction that housing affordability of low-income households has not been met, while the bulk of affordable housing is still vacant. In 2019, Malaysia enacted the National Affordable Housing Policy (DRMM) which was intended to improve housing affordability for low-income groups. This paper aims to answer why Malaysia’s long-term implementation of affordable housing policies cannot guarantee housing affordability, and whether the DRMM can effectively improve housing affordability as expected, by comparing the empirical factors of housing affordability. A literature review and a comparative analysis are adopted in the research. The paper concludes that low household income, high land price, construction cost and compliance cost, mismatch of supply and demand in terms of quantity, the instability of the national economy, low home financing ability, and incomprehensive housing planning have caused low housing affordability of low-income groups in Malaysia. The DRMM as anticipated can improve housing affordability by supplying affordable housing more precisely, lowering housing costs, and improving home financing ability. However, the exclusion of household income and economic factors may cause the ineffectiveness of the DRMM in improving housing affordability for low-income households.

Limits of the current implementation of incremental housing

2021 ◽  
pp. 1-10
Author(s):  
Goran Ivo Marinovic
Keyword(s):  
Middle Class ◽  
Housing Policy ◽  
Low Income ◽  
Bank Loans ◽  
Housing Project ◽  
Middle Income ◽  
Specific Location ◽  
Current Implementation ◽  
Incremental Housing

In the case of conventional public housing, urban planners and policymakers design the layout of a housing project in a specific location and then estimate how many households can afford a home. This housing policy has been pursued as a legitimate solution for housing low- and middle-income households where the houses are individually financed by bank loans or mortgages raised by the occupants. John Turner criticised conventional housing solutions by affirming that ‘developing governments take the perspective of the elite and act as if the process of low-income houses were the same as in high-income countries and the same as for the small upper-middle class of their own countries’. Bruce Ferguson and Jesus Navarrete extend this argument with their critique of distributing finished houses to low-income populations and then requiring long-term payments, which are harmful to the beneficiaries. They note that ‘governments think of housing as complete units built by developers that households must purchase with a long-term loan rather than as a progressive process’.

Improving public housing policies that target low-income households: The value of adding proximity to discretion

2021 ◽  
pp. 239965442110411
Author(s):  
Lauro Gonzalez ◽  
Fernanda Lima-Silva ◽  
Marlei Pozzebon
Keyword(s):  
Public Housing ◽  
Low Income ◽  
Implementation Process ◽  
Positive Influence ◽  
Housing Policies ◽  
Collective Case Study ◽  
Street Level ◽  
Leading Role

Research on street-level bureaucrats has examined the various ways in which these professionals have implemented public policies in areas such as healthcare, education, and security, often emphasizing the role played by discretion in the implementation process. Despite its importance, the concept of street-level bureaucracy has scarcely been approached by housing studies. This study focuses on the role of street-level workers in the delivery of public housing to the lower-income population. We affirm the value of complementing street-level discretion with the concept of proximity, a premise borrowed from the microfinance literature, to increase the understanding of the interactions and relationships established between street-level workers and policy recipients during the implementation process. Such complementarity may contribute to a more accurate understanding of the housing policy implementation dynamics on the street-level and the possible adjustments to meet local needs. To explore this issue, we used a theoretical lens inspired by Goffman’s frame analysis that points to the importance of relational mechanisms that characterize the interactions between street-level workers and beneficiaries. These lenses were applied to a collective case study of Minha Casa Minha Vida-Entidades, a Brazilian subprogram in which street-level workers linked to social housing movements assume a leading role in the planning and execution of interventions. The results indicate that the combination of proximity and discretion has a positive influence on the implementation of housing policies. Our analysis shows the existence of nonprofit-oriented arrangements that may present different features and nuances at the implementation (micro) level and contribute to the (macro) debate on housing policies.

Disparate Entwicklung der Wohnungsmärkte fordert die Politik

2014 ◽  
Vol 63 (1) ◽  
Author(s):  
Oliver Arentz
Keyword(s):  
Housing Policy ◽  
Low Income ◽  
Conflicts Of Interest ◽  
Housing Allowance ◽  
Main Task ◽  
Trading System ◽  
The Public ◽  
Site Development ◽  
High Level

AbstractThe regional differences in the housing markets are enormous and will continue to exacerbate in the future. The main task for the housing policy is to take appropriate long term measures depending on the market structure. A central aspect of future housing policy is the site development. Potential conflicts of interest with other social objectives must be detected and resolved. Creating a trading system for development rights appears to be promising. In order to secure housing for low income households, the housing allowance (Wohngeld) must be promptly adjusted to the market conditions. The public housing sector should be seen as an instrument for the stabilization of neighborhoods. Appropriate market rents secure a housing supply at a high level.

scholarly journals On Transforming Unused Urban Spaces to Social Housing for Self-Employed People in Ho Chi Minh City: An Architectural Space Design Proposal

2021 ◽  
Vol 13 (21) ◽  
pp. 12175
Author(s):  
Le-Minh Ngo ◽  
Hai-Binh Nguyen ◽  
Thi-Phuong Uyen Nguyen ◽  
Thi-Minh Dieu Nguyen
Keyword(s):  
Low Income ◽  
Social Housing ◽  
Urban Areas ◽  
Low Cost ◽  
Legal Framework ◽  
Operating Conditions ◽  
Urban Spaces ◽  
Ho Chi Minh City ◽  
Residential Areas ◽  
Property Market

As with many metropolitan areas, social housing (SH) provision, which can improve living standards and social welfare, is crucial for urban socio-economic development strategies in Ho Chi Minh City (HCMC). However, there have been issues relating to promoting social housing in the Vietnamese context resulting from the property market and the design. The former is a failure to attract investors. The latter relates to lacking housing models for the mid- and low-income communities. Currently, many low-income families who have low access to the general job market in HCMC have to make a living by running their own business at home. This situation leads to low-income housing establishments in some residential areas. Thus, the planning approach in social housing needs to solve both the demand for low-cost housing and promoting self-employed activities. In this paper, mixed methods, including observation, questionnaires, interviews, data aggregation, and comparison, were conducted with supporting legal conditions and corresponding operating conditions to propose appropriate designs for the SH for self-employed people in HCMC. First, observing and analyzing urban spaces helped identify the unused urban areas that solve the investment issue. Then, after studying the development of social housing in different contexts via the questionnaire and in-depth interviews, self-employed households’ basic information and their business needs in using SH spaces were identified in some districts. Then, based on the legal framework and practical projects, optimal space designs were formed.

scholarly journals Mobile Loans as Financing Options in Kenya and the Financial Performance of SMEs in Low Income Areas in Nairobi County

2021 ◽  
Vol 2 (2) ◽  
pp. 97-105
Author(s):  
Margaret Murage
Keyword(s):  
Financial Performance ◽  
Low Income ◽  
Urban Areas ◽  
Survey Design ◽  
Informal Settlements ◽  
Civil Society Organizations ◽  
Living Standards ◽  
Design Data ◽  
Urban Informal Settlements ◽  
Descriptive Survey

This study sets out to examine the effect of loan accessibility on the financial performance of SMEs in urban informal settlements in Kenya. Based on the descriptive survey design, data were collected from 120 SMEs in the 6 wards of Mathare Sub-County using semi-structured questionnaires. It was analysed using descriptive and inferential statistics. The findings show that all the loan accessibility had a significant and positive relationship with the financial performance of SMEs. In this regard, enhancing loan accessibility contributed to the financial performance of SMEs in urban areas. Financial inclusion among SMEs in urban areas was also enhanced through mobile loans. This could go on to enhance living standards among the inhabitants of urban informal settlements as envisaged by world bank. In this regard, several recommendations were made. Mobile loan providers should market their mobile loan products to make them visible since only 4, Safaricom-Fuliza, M-Shwari, Tala, and KCB-Mpesa were the most used. Civil society organizations in collaboration with mobile loan providers should also carry out capacity building campaigns among SMEs in informal settlements. This would lead to enhanced visibility and accessibility of these mobile loans among the inhabitants of urban informal settlements.

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