scholarly journals Navigating housing affordability in Rwanda: Challenges and facilitation strategies

2021 ◽  
Vol 4 (1) ◽  
Author(s):  
Josephine M. Malonza ◽  
Nathan Kibwami ◽  
Philip O. Lawal
Keyword(s):  
Affordable Housing ◽  
Building Materials ◽  
Home Ownership ◽  
Public Awareness ◽  
Construction Materials ◽  
Income Group ◽  
Housing Demand ◽  
Housing Affordability ◽  
Current Status ◽  
The Status

Housing and its affordability have, of recent, been of great concern to various stakeholders, especially in the developing world.  Consequently, contributing aspects such as construction/tenancy costs, sustainability, environmental impact, and availability of credit facilities with a host of other factors, have dominated contemporary research. Various studies suggest that addressing affordable housing requires understanding the contextual factors that impact affordability of housing. Such studies have not been known to succinctly treat  the context of Rwanda. This paper aimed at exploring the perspectives of housing affordability in Rwanda with a view of eliciting the status, challenges, and prospects. The objectives included description of the current status of housing, identifying the challenges of  providing affordable housing, and proposals of strategies to enhance its provision. Data, such as for workers’ salary, costs of house construction, inflationary trends and the number of housing units per income group, were sought for and obtained either from the  archives of various stakeholder organizations or by interviewing key officers concerned with housing. Descriptive statistics and thematic  analyses were employed in analyzing the data in order to fulfil the objectives of the study. It was found that home ownership and tenure statistics varied, yet housing demand was on the rise. Foremost challenges, among others, were recorded to be scarcity and costly plots of land, compounded with costly building materials. In addition, the purchasing power of the local currency depreciated fast over time, thereby making good quality housing unaffordable for the majority of Rwandans. Localizing policy to enhance public awareness, resolving the issue of high cost of construction materials, and coming up with innovative interventions on land costs, were among the key strategies to facilitate housing affordability.

THE LOW-MIDDLE INCOME HOUSING CHALLENGES IN MALAYSIA

2020 ◽  
Vol 18 (11) ◽  
Author(s):  
Ernawati Mustafa Kamal ◽  
Kong Seng Lai ◽  
Nor Aini Yusof
Keyword(s):  
Housing Policy ◽  
State Government ◽  
Affordable Housing ◽  
Public Awareness ◽  
Income Group ◽  
Middle Income ◽  
Human Needs ◽  
Urban Rural ◽  
One Stop ◽  
Group Interviews

Homeownership is recognised as one of human needs. However, in the 21st century, homeownership remained as one of the greatest challenges in most developing countries, and Malaysia is no exception. Housing for everyone remained an issue in Malaysia. Homeownership for the low to medium income group (LMIG) is getting difficult overtime. Questions raised on the competency of the existing housing policy in catering the uprising needs to house the LMIG. This study aims to explore the challenges within the housing policy and its implementation, and to identify ways to overcome those challenges. Opinions from four major stakeholders in the housing sector; the federal government, the state government, non-governmental organisations, and academicians were solicit using focus group interviews protocol. The results point-out three major concerns- 1) loose connection between the federal and state government, 2) mismatched of housing policy, and 3) inadequacy of financial system and poor demographic profile. Subsequently, four alternatives were proposed to address the issues raised- 1) one-stop center that operates above the differences between the governments, 2) establishes the social infrastructures before Affordable Housing in sub-urban/rural area is approved, 3) government’s active interventions on affordable house pricing, and 4) public awareness on homeownership through education.

An analysis on housing affordability in Malaysian housing markets and the home buyers’ preference

2019 ◽  
Vol 13 (3) ◽  
pp. 375-392 ◽  
Author(s):  
Amy Soon ◽  
Consilz Tan
Keyword(s):  
Housing Policy ◽  
Affordable Housing ◽  
Urban Areas ◽  
Housing Price ◽  
Housing Markets ◽  
Housing Demand ◽  
Housing Affordability ◽  
Monthly Income ◽  
Content Type ◽  
Residential Units

Purpose This paper aims to investigate the housing preference and housing affordability in Malaysian housing markets. There is a lack of research on the gap between supply and demand of houses in this market. Urbanization has increased the demand of houses in urban areas. However, the high demand in residential units increases the housing price which causes the affordability level dropped. Besides, the residences that provided by developers do not meet the expectation of the home buyers. There are three attributes that examined in this research to understand the home buyers’ preference. Design/methodology/approach This paper provides quantitative analysis on the housing affordability and the home buyers’ preference. This paper presents the results on the home buyers’ housing affordability and buying preference on houses. In addition, the study further confirmed the significant relationship between monthly income and type of preferred house, as well as monthly income and range of housing affordability using cross-tabulation analysis. Findings The findings indicated that the housing price in the current market is not affordable by most of the homebuyers and there are certain attributes that important to home buyers which should not be neglected. Research limitations/implications This paper helps to shed light on the planning of Malaysian housing policy especially on the issue of providing affordable housing in urban areas. Practical implications Policymakers shall consider the elements of economics, social acceptance and feasibility of Malaysian housing policies to achieve sustainability in Malaysian housing markets. With the current government’s move to promote housing affordability amongst B40 income groups, local government and housing developers should work together in addressing housing demand in accordance to states and ensure that there is a more targeted housing policy. Social implications With the detailed analysis on the home buyers’ preference, it helps to promote sustainable housing developments in meeting basic housing needs and preference. Originality/value This is the first study to examine relationship between Malaysian housing affordability with monthly income and type of preferred house. In the meantime, the housing affordability is compared with mean housing price and type of perceived affordable house. The paper presented homebuyer’s preference in housing for the consideration of government and housing developers in providing affordable housing.

scholarly journals Housing Affordability: Factors Influencing Housing in the Tamale Metropolis of Ghana

2020 ◽  
Vol 7 (2) ◽  
pp. 1
Author(s):  
Yakubu A. Zakaria ◽  
Kuusaana Elias Danyi
Keyword(s):  
Private Sector ◽  
Affordable Housing ◽  
Building Materials ◽  
Housing Affordability ◽  
Rapid Urbanization ◽  
Minimum Quality Standards ◽  
Factors Influencing ◽  
Tamale Metropolis ◽  
Human Need ◽  
The Government

Housing is considered a basic human need. Yet deficit housing supply plagues Ghana. Studies on housing concentrate mainly on offering accommodation that neglects the problem of its affordability. As a result, this study examines factors influencing housing affordability using the Tamale Metropolis as a case study. Using stratified random sampling methodology, 271 renters and homeowners was chosen. Data analysis utilized descriptive statistics. The study showed inflation, rapid urbanization, and building material costs were the dominant factors that influence housing affordability. Rent was also found to be relatively affordable for all categories of housing units. Furthermore, it emerged that the efforts of homeowners, the private sector developers, and the state in the provision of housing were insufficient in providing affordable housing. Consequently, tenants are forced to invest over longer years for constructing or buying a home. The private sector should use less-cost building materials in its projects to provide housing for rent and/or sale, and still present minimum quality standards. It will mean that construction costs will not be too high to justify a high rent once the building is completed. Rent will be on the low side when this happens so tenants can afford to. Equally, it is precarious that the government joins forces with the private estate developers to put up flats at reasonable prices using cheap local building materials.

scholarly journals A PROPOSAL FOR AFFORDABLE WAQF HOUSING PROJECTS IN MALAYSIA: PUBLIC PERCEPTION OF HOUSE CHARACTERISTICS

2021 ◽  
Vol 19 (17) ◽  
Author(s):  
Nor Azizan Che Embi ◽  
Salina Kassim ◽  
Roslily Ramlee ◽  
Wan Rohaida Wan Husain
Keyword(s):  
Affordable Housing ◽  
Low Income ◽  
Structural Equation ◽  
Public Perception ◽  
Housing Prices ◽  
Housing Price ◽  
Income Group ◽  
Housing Affordability ◽  
High Income Group ◽  
Housing Projects

Housing affordability is important to ensure houses are affordable to everyone across all income categories, whether they are in the low-income, middle-income (M40), or high-income group. Building housing projects on waqf land will help increase the supply of affordable houses, especially targeted at the M40 group, while also addressing the shortage of affordable housing for the M40 cohort. This study analyses public perceptions of house characteristics and relate these factors to affordable housing prices. The independent variables are location, infrastructure, facilities, size, design and quality. By applying a quantitative research design, the study aims to understand the relationship between various demanded housing characteristics vis-a-vis the price of the house. A sample of 261 usable responses was analysed using the Structural Equation Modelling (SEM). The results show that house size is not statistically significant in influencing the housing price, while location, infrastructure and design of the house are positively significant factors. These findings are expected to provide important inputs to the relevant authorities on factors that are critical in influencing the prices of housing projects built on waqf land in Malaysia.

scholarly journals Locatıon Housıng Affordabılıty as an Indıcator for Qualıty of Lıfe in Malaysıa

2017 ◽  
Vol 2 (6) ◽  
pp. 247
Author(s):  
Mohd Azren Hassan ◽  
Hazlina Hamdan ◽  
Jamalunlaili Abdullah ◽  
Yusfida Ayu Abddullah
Keyword(s):  
Quality Of Life ◽  
Urban Area ◽  
Affordable Housing ◽  
Low Income ◽  
Urban Areas ◽  
Well Being ◽  
Income Group ◽  
Economic Security ◽  
Housing Affordability

To have a quality of life is the ability to own a house. Housing affordability affects the quality of life concerning household well-being and economic security. The research sets to evaluate the location housing affordability for the low-income group base on housing and transportation expenditures in urban areas. 148 respondents have interviewed and by using an integrated Location Housing Affordability, it had indicated that location does influence housing affordability. The findings showed the urban area for the low-income group is seriously unaffordable. “Location" should be part of affordable housing because it affects housing affordability thus concerning the quality of life.

scholarly journals Construction of affordable housing using local building materials

2020 ◽  
pp. 154-165
Author(s):  
V. V. Tytok
Keyword(s):  
Affordable Housing ◽  
Industrial Waste ◽  
Building Materials ◽  
Raw Materials ◽  
Construction Materials ◽  
Climatic Conditions ◽  
Raw Material ◽  
Material Base ◽  
Long Distance ◽  
The Cost

Trends in housing development should be based on the geographical location and climatic conditions of the region, national characteristics and culture, natural resources, transport links, density and living standards. Construction significantly affects the socio-economic development of the region. In this regard, increasing the sustainability of the regional construction complex, which is based on the building materials industry and the construction industry is a relevant and promising area of research.Demand in the building materials market continues to stimulate increased interest in the development of new types of efficient and inexpensive building materials. Since construction is one of the most material-intensive sectors of the economy, which consumes a large number of construction materials and products, various measures are taken to reduce their cost.In this regard, recently in the construction seek to make greater use of local building materials. This allows you to unload transport from long-distance transportation and significantly reduces the cost of construction. However, the building materials industry cannot develop by focusing only on natural sources of raw materials, as the costs of their extraction and processing are constantly growing. The use of man-made waste provides production with a rich source of cheap and often already prepared raw materials, which reduces the cost of manufacturing building materials.One of the promising areas in the construction of affordable housing is the maximum use of building materials and products that can be obtained from local raw materials and industrial waste. As local building materials are offered: clay, sand, soil, straw, reeds, flax. The use of industrial waste solves both environmental, fuel and energy problems and expands the raw material base of building materials.

scholarly journals PUBLIC PRIVATE PARTNERSHIP AS A DETERMINANT FACTORS OF AFFORDABLE HOUSING IN ABUJA NIGERIA

2019 ◽  
Vol XLII-4/W16 ◽  
pp. 71-78
Author(s):  
Y. Ahmed ◽  
I. Sipan
Keyword(s):  
Affordable Housing ◽  
Building Materials ◽  
Success Factors ◽  
Good Governance ◽  
Urban Housing ◽  
Housing Affordability ◽  
Public Private Partnership ◽  
Economic Policies ◽  
Housing Provision ◽  
Private Partnership

Abstract. The implementation of Public-Private Partnership (PPP) in housing provision in Nigeria meant to increase urban housing provision and address housing affordability and accessibility problems. Consequently, the study aims to identify the critical success factors of Public-private partnerships for affordable housing provision in Nigeria. However, the data were obtained using interviews with PPP experts to build the questionnaire for affordable housing in Nigeria. Overall, 254 responses were obtained and analysed using smart PLS to identify PPP success factors for affordable housing in Abuja. The result shows that good governance, availability of financial markets, Sound economic policies, consistency monetary, a commitment of public and private sectors are the key parameters of PPP for affordable housing in Nigeria. Therefore, the main contributions of the article indicate that strong government intervention, dependent of foreign building materials, easier access to mortgage institutions, and provision of land at no cost are the challenges to address in order to succeed in providing affordable housing in Nigeria. It is therefore recommended that a good design a framework should put in place in order to achieve the desired aim of providing affordable housing in Nigeria.

scholarly journals Issues and perspectives of capacity development in embodied energy indices for building materials sourced in Nigeria: A review

2021 ◽  
Vol 39 (4) ◽  
pp. 1131-1141
Author(s):  
S.C. Nwanya ◽  
H.N. Ononiwu
Keyword(s):  
Affordable Housing ◽  
Building Material ◽  
Building Materials ◽  
Energy System ◽  
Embodied Energy ◽  
Sources Of Information ◽  
Body Of Knowledge ◽  
Building Information ◽  
The Status

Embodied energy (EE) property of building material is a great determinant of the performance of a building. The dearth of information on EE of locally sourced building materials (LSBMs) constitutes a challenge to affordable housing in Nigeria. In this paper, a review of the previous literature, unfilled gaps in those works, and future directions in embodied energy research for LSBMs is presented to evolve a Nigerian perspective. A constructive non-meta analytic methodology was adopted for the paper. This was followed by classification and comparison of snapshot literature in the embodied energy of building materials. Insightful sources of information for the study were drawn from a vast body of knowledge both documented literature and some interviews with  knowledgeable personnel in the area of a built environment. From the survey, energy management opportunities were revealed, which would not have been apparent from a specific building case study alone. There are distinctions in the literature with this currentpaper for a Nigerian case study: none have addressed the embodied energy coefficient of materials. Also, the status of embodied energy studies, for these materials, is at a low profile and the few investigations carried out focused on life cycle operating energy of buildings. These research gaps evidently imply abundant research opportunities that await exploitation in the building industry. This paper adds to an existing body of knowledge on the use of EE index to promote and optimize the selection of LSBMs as alternative to imported building materials. We hope engineers, estate developers and architects would find it useful for making an informed decision in the design of resilient buildings using indigenous materials. Keywords: building material, embodied energy, system boundary, capacity, building information modelling, Nigeria.

scholarly journals Australian local governments and affordable housing: Challenges and possibilities

2019 ◽  
Vol 31 (1) ◽  
pp. 14-33
Author(s):  
Alan Morris ◽  
Andrew Beer ◽  
John Martin ◽  
Sandy Horne ◽  
Catherine Davis ◽  
...  
Keyword(s):  
Local Government ◽  
Housing Policy ◽  
Affordable Housing ◽  
Local Governments ◽  
Home Ownership ◽  
Housing Affordability ◽  
Local Government Area ◽  
Housing Crisis ◽  
Nation Wide Survey ◽  
Almost All

For an increasing proportion of Australian households, the Australian dream of home ownership is no longer an option. Neoliberal housing policy and the financialisation of housing has resulted in a housing affordability crisis. Historically, Australian housing policy has afforded only a limited role to local government. This article analyses the results of a nation-wide survey of Australian local governments’ perceptions of housing affordability in their local government area, the possibilities for their meaningful intervention, the challenges they face, the role of councillors and councils’ perceptions of what levels of government should take responsibility for housing. Almost all of the respondents from Sydney and Melbourne councils were clear that there is a housing affordability crisis in their local government area. We apply a framework analysing housing policy in the context of neoliberalism and the related financialisation of housing in order to analyse the housing affordability crisis in Sydney and Melbourne. We conclude that in order to begin resolving the housing crisis in Australia’s two largest cities there has to be an increasing role for local government, a substantial increase in the building of social and affordable housing and a rollback of policies that encourage residential property speculation. JEL Codes: R31, R21

scholarly journals Factors Affecting the Housing Affordability of Homebuyers in Perak: Measuring Transport Expenditure

2021 ◽  
pp. 1-11
Author(s):  
Norhayati BAHARUN ◽  
Suraya MASROM ◽  
Afiqah ROSHIDI
Keyword(s):  
Affordable Housing ◽  
Low Cost ◽  
Housing Prices ◽  
Income Group ◽  
Housing Affordability ◽  
Middle Income ◽  
Factors Affecting ◽  
Income Groups ◽  
Low Cost Housing ◽  
The Government

Increasing housing prices in Perak has made it difficult for homebuyers to own affordable housing. Housing affordability ensures that housing provided is affordable for every income group, especially the low and middle-income groups. It has brought the government and housing developers’ attention the issue of housing affordability by supplying public low-cost housing schemes.

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