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NBBL

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. DUGNAD –”sweat equity”.

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NBBL

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  1. 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

  2. DUGNAD –”sweat equity” • NBBL: 60 years anniversary • 10 years in development co-opration • South Africa • Zambia • Tanzania • Kenya • Latin America • Bosnia • North-Vest Russia

  3. NBBL’s 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

  4. 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

  5. WAT’s 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 people’s abilities of monthly repayment, size of house/time it takes to complete

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

  7. Demo-house House that grows Production soil cement blocks

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

  9. 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

  10. 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

  11. 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

  12. 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 Urban slums becoming vertical

  13. NACHU:Itambya 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

  14. First phase:Two 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

  15. A female headed family renting one of the flats • Rent per month: 50$

  16. Second phase: Three new storeys with flats

  17. 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?

  18. 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? (Only) South Africa has answers

  19. DIFID’s evaluation of Cope’s 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.”

  20. Housing Micro-Finance: Lessons and Future Directions from Eastern & Southern Africa Tabitha Siwale Executive Director, WAT Human Settlements, Tanzania

  21. Housing Micro-Finance: Lessons and Future Directions from Eastern & Southern Africa Barry Pinsky Executive Director Rooftops Canada - Abri International,

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

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