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Role of MFIs in Micro Housing Finance
Rajan Samuel,
Habitat for Humanity International
BPL/ Vulnerable Beneficiaries
Economically Weaker Sections- EWS
Grant Housing
Less than Rs10,000 (<$200)
Less than Rs15,000 (<$300)
> Greater than
Rs20000 (>$400)
Categories INCOME RANGE PER MONTH
HOUSING SUPPLY
POVERTY HOUSING PYRAMID (whom do we serve in the market?)
2
1.Vision and Capacity 2. Scale & Sustainability 3. Packaging of financial & non-financial services (Housing support services / Construction technical assistance) 4. Transition from Housing micro-finance to micro mortgage loans
Key drives for simulating housing micro finance through Micro-Finance Institutions
• Role of MFI in promoting affordable & cost effective ‘bamboo technology’ – Nepal experience
• Integrating housing solutions through Women’s savings groups in Vietnam
• Exploring ‘scale’ through TSPI in the Philippines (from a pilot sanitation loan)
• SEEDS offering an integrated housing loan to existing clients – Sri Lankan experience
• Packaging HSS (Housing support services): Indian experience
Habitat for Humanity International:
Lessons from Regional experiences
5
What constitutes Low Income Housing?
Low Income Housing
Housing as Shelter
Housing as Shelter
Housing as investment / asset
Housing as investment / asset
Housing as Commodity
Housing as Commodity
Personal Safety and Health
Financial Security / Asset & social status
Home-based micro-enterprise
Poor people build gradually, over time ≈ small, incremental loans; compatible with microfinance loans
Progressive Build