SITES & SERVICES and CORE HOUSING DÉJÀ VU?
|
|
|
- Priscilla Norris
- 9 years ago
- Views:
Transcription
1 INCREMENTAL HOUSING AN URBAN PROACTIVE STRATEGY SITES & SERVICES and CORE HOUSING DÉJÀ VU? Patrick Wakely Global University Consortium Exploring Incremental Housing
2 Almost all urban housing is procured incrementally over long periods of time Housing loans & mortgages Once-only commitment to investment Incremental construction Responsive Flexible Controlled by households (and communities)
3
4 1960s Rapid urban growth, squatting & informal development John Turner 1966 Pittsburgh conference» AIP Journal (1967; Freedom to Build (1972); Housing by People (1976) Recognition of efficacy and efficiency of informal settlement processes Concept of subsidiarity (lowest effective level of decision making) Government (Community) Households
5 Sites & Services pilot projects World Bank BID Dakar, Lusaka, Nairobi, Chennai (Madras) Central America ADB, USAID Wide range of levels of support 4 pegs in the ground and common services Substantial starter homes
6 Deemed unsuccessful & discredited Evaluated too soon (after 2-3 years) Criteria/indicators not well understood Low take-up Accessibility to peri-urban locations Break-up of communities Undeveloped sites Misunderstanding of ability to pay Development control & mandatory standards Political fear of condoning/encouraging new slum formation
7 Guacamayas, Bogotá, 1976
8 Guacamayas, Bogotá, 1977
9 Guacamayas, Bogotá,
10 Guacamayas, Bogotá, 2009
11 Chinagidali, Visakhapatnam 1988
12 Chinagidali, Visakhapatnam 1989
13 Chinagidali, Visakhapatnam 1989
14 Chinagidali, Visakhapatnam 2009
15 Ciudad Bachue, Bogotá 1979
16 Ciudad Bachue, Bogotá 1981
17 Ciudad Bachue, Bogotá 1981
18 Ciudad Bachue, Bogotá 2008
19 Case for support to incremental housing Numbers case If you can t beat them, join them (and improve them) Financial case Security of tenure and services liberates savings Urban management case Subsidiarity and devolution of responsibility Urban development case Planned urban growth (not fire-fighting after the event ) Governance case Engagement ensures accountability and transparency Social and economic development case
20 Components of support Land location, acquisition (price), title Finance demand driven, shot-term incremental credit Infrastructure and services balance between quality of service and affordability Beneficiary selection clear criteria and transparency of administration Planning and building standards & controls locally administered guidelines (proscriptive controls) Community organisation; asset management sense of ownership and local governance & control
21 DÉJÀ VU? The pilots have been tested We have a lot more experience and understanding Now we can go to scale with some confidence
22 Ciudad Bachue, Bogotá 1978
23 Ciudad Bachue, Bogotá 1979
24 Ciudad Bachue, Bogotá 1981
25 Ciudad Bachue, Bogotá 1987
26 Ciudad Bachue, Bogotá 2008
27 Patrick Wakely Patrick Wakely is Professor Emeritus of Urban Development in London University and formerly Director of the Development Planning Unit (DPU), University College London ( ). An architect by training, he has 40 years of experience of research, consultancy and teaching in housing, planning and urban development on which he has worked in over 20 developing countries. He has held full-time academic appointments in Asia, Africa, Latin America and the United Kingdom. His recent work has been concerned with the development and impact of participatory approaches to the production of low-income housing, slum upgrading, the local level delivery of services and the management of infrastructure in cities with emphasis on the interface between urban low-income communities and local government institutions and organisations. He co-ordinated the studies for the United Nations Global Report on Human Settlements 2003 The Challenge of Slums. He was a member of the Advisory Board of the United Nations Human Settlements Research Network and is a member of the Steering Group of the Royal Town Planning Institute (RTPI), International Development Network.
2. SETTLEMENT AND PRODUCTION LAND ACQUISITION GRANT POLICY FRAMEWORK
2. SETTLEMENT AND PRODUCTION LAND ACQUISITION GRANT POLICY FRAMEWORK Policy overview 1. Introduction The Settlement and Production Land Acquisition Grant (SPLAG) is a grant to provide for both settlement
The Case For Incremental Housing
Special Issue World Urban Forum 5 March 2010 The Case For Incremental Housing Prepared for Cities Alliance by and Elizabeth Riley of the Development Planning Unit Associates Introduction o ver the last
How To Improve The Quality Of Life In Lusaka
Lusaka, from Garden City to Metropolitan: Toward Sustainable African City Regions Norihisa SHIMA (The University of Tokyo) 1. Urbanization in Africa 2. The Case of Lusaka 1. Urbanization and Planning
Report Nairobi Field Trip. Thursday, 13.09.2012 Nachu Office and UNHabitat Office. NACHU National Cooperative Housing Union
Report Nairobi Field Trip Thursday, 13.09.2012 Nachu Office and UNHabitat Office NACHU National Cooperative Housing Union National Cooperative Housing Union Ltd 15 Kiambere Road, Off Upper Hill Road P.
PROCUREMENT PROGRAMME PROCUREMENT OF CONSULTANTS HEAD OF WASTE STRATEGY AND CONTRACTS
NORTH LONDON WASTE AUTHORITY Agenda Item No: REPORT TITLE: PROCUREMENT PROGRAMME PROCUREMENT OF CONSULTANTS REPORT OF: HEAD OF WASTE STRATEGY AND CONTRACTS FOR SUBMISSION TO: DATE: AUTHORITY MEETING 11
HUMAN SETTLEMENTS Programmes and Subsidies
HUMAN SETTLEMENTS Programmes and Subsidies NORMS & STANDARDS FOR SUSTAINABLE HOUSING DEVELOPMENT The Minister of Housing with effect from 01 April 1999 introduced the National Norms and Standards for
Guiding principles on security of tenure for the urban poor
Guiding principles on security of tenure for the urban poor Security of tenure is understood as a set of relationships with respect to housing and land, established through statutory or customary law or
Financing of Smart Cities. Kumar V Pratap Economic Adviser Ministry of Urban Development Government of India
Financing of Smart Cities Kumar V Pratap Economic Adviser Ministry of Urban Development Government of India Responsibilities and finances of ULBs 2 Responsibilities Water and sewerage provision; Waste
in the 11 th National Economic and Social Development Plan, 2012-2016
Challenges and Human Rights Based Approach Development in the 11 th National Economic and Social Development Plan, 2012-2016 Chirapun Gullaprawit Director of Social Development Strategy and Planning Office
Acquiring land April 2001
Acquiring land April 2001 Contents 1. What is this guidance about? 2 2. In this guidance 2 3. Trustees powers and duties 3 4. What are the general duties of trustees when acquiring land for their charity?
Programme Manager/Procurement Specialist. Suva. Capital Works Manager. As soon as possible. As follows
JOB DESCRIPTION Position: Location of position: Reporting to: Special functional relationships: Term of Appointment: Programme Manager/Procurement Specialist Suva Capital Works Manager Capital Works Programme
Differentiation and profitable growth in a changing environment
KONE CMD 2015 Differentiation and profitable growth in a changing environment Henrik Ehrnrooth, President & CEO We want to make the coming five years as exciting as the previous five... KONE in 2009 in
Financing Urbanization
Commission des finances locales pour le développement Committee on Local Finance for Development Comisión de Financiación Local para el Desarrollo 1. INTRODUCTION Think Piece on Financing Urbanization
CITY OF HUNTSVILLE, ALABAMA. DOWNPAYMENT ASSISTANCE PROGRAM - DAP Program Description & Guidelines
CITY OF HUNTSVILLE, ALABAMA DOWNPAYMENT ASSISTANCE PROGRAM - DAP Program Description & Guidelines Contact information: Community Development, 120 E. Holmes Ave, Huntsville, Ala. 35801, 256-427-5400, fax.
R E Q U E S T F O R P R O P O S A L S SERVICE PROVIDER TO ASSIST WITH THE SOCIAL FACILITATION AND ENUMERATION WITHIN TANTSABANE MUNICIPALITY
P.O. Box 3209, Houghton, 2041 Block A, Riviera Office Park, 6-10 Riviera Road, Riviera R E Q U E S T F O R P R O P O S A L S SERVICE PROVIDER TO ASSIST WITH THE SOCIAL FACILITATION AND ENUMERATION WITHIN
THE PRIVATE INFRASTRUCTURE DEVELOPMENT GROUP TECHNICAL ASSISTANCE FACILITY STATEMENT OF POLICIES AND PROCEDURES. Amended July 2008
THE PRIVATE INFRASTRUCTURE DEVELOPMENT GROUP TECHNICAL ASSISTANCE FACILITY STATEMENT OF POLICIES AND PROCEDURES Amended July 2008 1. Introduction 1.1 By an exchange of letters dated December 2001 and January
STRATEGIES FOR PROVIDING A HOME FOR THE LOW INCOME SEGMENT
STRATEGIES FOR PROVIDING A HOME FOR THE LOW INCOME SEGMENT Resource Speaker: MR. EDUARDO T. MANICIO Executive Vice President Social Housing Finance Corporation WHO ARE THE LOW-INCOME GROUPS Usually identified
STRATEGIC PROPERTY ADVISORY AND PROJECT MANAGEMENT SERVICES
STRATEGIC PROPERTY ADVISORY AND PROJECT MANAGEMENT SERVICES WHY SEMZ? At SEMZ, we set ourselves high ethical standards. In everything we do we believe property is a resource that should be utilised in
Urban land management in Ecuador: a preventive approach
Urban land management in Ecuador: a preventive approach Monica Quintana Project Coordinator Ecuador Based on Preparatory Work for the Low Income Neighborhood Upgrading and Urban Land Management Project
KixiCasa. Housing MicroFinance. Development Workshop. Housing Finance Workshop for. Wits Business School Johannesburg 3-83
Development Workshop KixiCasa Housing MicroFinance Rebuilding Angolan communities after conflict presented by Allan Cain at the Housing Finance Workshop for Sub-Saharan Saharan Africa Wits Business School
Counseling Kit Overview
Counseling Kit Overview For More Information: Contact your Reverse Mortgage Advisor This Counseling Kit has been assembled to assist you in preparing for your required HUD counseling session. The Counseling
Concessions and PPPs. Brief 18. Public Procurement. August 2011
Brief 18 August 2011 Public Procurement Concessions and PPPs C O N T E N T S What are concessions? Different use of the term concession under national laws Does the Directive apply to concessions? What
Charging for Pre-Application Advice. Guidance Note London Borough of Newham. March 2015
Charging for Pre-Application Advice Guidance Note London Borough of Newham March 2015 This guidance note provides information regarding the Council s preapplication advice service and the relevant charges.
Table of Contents THE CITY WE NEED. Background... 2. The City We Need... 4. What is the World Urban Campaign?... 13. What is Habitat III?...
2 The City We Need THE CITY WE NEED Table of Contents Background... 2 The City We Need... 4 The City We Need: Principles for a New Urban Paradigm... 8 The Policy and Legislative Framework We Need: A Roadmap
From Cadastre to Land Governance
From Cadastre to Land Governance Prof. Stig Enemark President Aalborg University, Denmark THE CADASTAL SURVEYORS PAVING THE WAY TO THE FUTURE CLEGE CONFERENCE, BUCHAREST, ROMANIA, 6-7 MAY 2010 Setting
Application For Housing Rehabilitation Assistance Stellar Communities Program
Application For Housing Rehabilitation Assistance Stellar Communities Program Forgivable Loans Northeast Indiana Housing Partnership, Inc. 217 Fairview Boulevard Kendallville, IN 46755 (260) 347-4714 (260)
Findings: City of Tshwane
Findings: City of Tshwane What s inside High-level Market Overview Housing Performance Index Affordability and the Housing Gap Leveraging Equity Understanding Housing Markets in Tshwane, South Africa High-level
Hong Kong Declaration on Sustainable Development for Cities
Hong Kong Declaration on Sustainable Development for Cities 1. We, the representatives of national and local governments, community groups, the scientific community, professional institutions, business,
Provisional Measures for Construction Project Management
Provisional Measures for Construction Project Management Article 1 Article 2 Purpose and Basis This Provisional Measure is promulgated in accordance with relevant Chinese laws and administrative regulations
Health, Security, Safety and Environment (HSE)
Health, Security, Safety and Environment (HSE) Content: 1 Objective 2 Application and Scope 21 Application of HSE Directive with underlying documents 22 Scope of HSE Management system 3 Framework for our
Job description. Terms of reference. Date: August 2015. Job title: Vacancy reference: Team/business unit: Base location: Reporting line:
Job description August 2015 Terms of reference Date: August 2015 Job title: Vacancy reference: Team/business unit: Project Team Leader PS15116 Pensions Administration Base location: Reporting line: Responsible
6 th African Microfinance Conference
6 th African Microfinance Conference Presentation by: Mr. Wilson Twamuhabwa CEO, UGAFODE Microfinance Limited (MDI) President AMFIU- Uganda MFI Network Contact: [email protected] About UGAFODE
PUBLICATION OF DETAILS OF BIDDERS ON THE DRDLR WEBSITE
PUBLICATION OF DETAILS OF BIDDES ON THE DDL WEBSITE Bid no/ File no: SSC WC 16/2011 DDL Closing date: 30/09/2011 Total Bids eceived: 13 Description of Tender: The appointment of a service provider to conduct
A Private-Public and Social Partnership to Change Water and Sanitation Management Models
Public Disclosure Authorized 33068 Public Disclosure Authorized Public Disclosure Authorized The Small Town Pilot Project in Peru A Private-Public and Social Partnership to Change Water and Sanitation
Financing Options for the Ford Highland Park Project
Financing Options for the Ford Highland Park Project Prepared for: Woodward Heritage 5401 Woodward Avenue Detroit, Michigan 48202 Prepared by: 76 East Forest Avenue Detroit, Michigan 48201 December 2005
PRESERVATION OF AFFORDABLE HOUSING. Housing Affordability, Human Services, and Economic Resiliency Committee Seattle City Council, July 16, 2014
1 PRESERVATION OF AFFORDABLE HOUSING Housing Affordability, Human Services, and Economic Resiliency Committee Seattle City Council, July 16, 2014 Topics to be covered 2 Affordability and preservation trends
SMALL IS BEAUTIFUL AXIS SERIES SMALL HOME TEST LAB. Hobsonville Land Company Katja Lietz
SMALL IS BEAUTIFUL AXIS SERIES SMALL HOME TEST LAB Hobsonville Land Company Katja Lietz LOCATION BUCKLEY PRECINCT AFFORDABLE HOMES The Hobsonville Point Business Plan includes a target of: 10% of houses
p r o v i d i n g c o n f i d e n c e t h r o u g h p e r f o r m a n c e
Hong Kong Services p r o v i d i n g c o n f i d e n c e t h r o u g h p e r f o r m a n c e HOW TRIDENT TRUST CAN ASSIST YOU IN HONG KONG Trident Trust has had a multilingual presence in Hong Kong for
How to Design and Update School Feeding Programs
CHAPTER 7 How to Design and Update School Feeding Programs Previous chapters highlight the need to improve the design of new school feeding programs and to revisit existing programs with a view toward
Smart Settlement Investment Case: Key Findings
Smart Settlement Investment Case: TO UNCOVER MARKET AND ECONOMIC OPPORTUNITIES ASSOCIATED WITH SMART, SUSTAINABLE SETTLEMENT SOLUTIONS FOR LOW INCOME, HIGH DENSITY SETTLEMENTS There is an escalating housing
7A Loan Application. Conestoga Bank. Company Information. Company Ownership. Affiliate Businesses. Existing Business Locations. Management Background
Conestoga Bank 7A Loan Application Company Information Company name Address City State Zip Principal in charge Phone Fax Secondary contact person Phone Fax (IN-HOUSE CONTROLLER OR BOOKEEPER) Type of business
WELFARE REFORM COMMITTEE WELFARE FUNDS (SCOTLAND) BILL SUBMISSION FROM COMMUNITY RESOURCES NETWORK SCOTLAND
WELFARE REFORM COMMITTEE WELFARE FUNDS (SCOTLAND) BILL SUBMISSION FROM COMMUNITY RESOURCES NETWORK SCOTLAND A. Background to CRNS 1. Community Resources Network Scotland (CRNS) represents re-use, recycling
Director of Development and External Affairs (DDEA)
JOB DESCRIPTION Post Digital Development Manager Job Family Specialist, Professional and Administrative Grade 6 Role code DDM001 Status Full-time Contract Type Permanent Reporting to Director of Development
Business Plan: Fleet Services
Business Plan: Fleet Services How does this service contribute to the results identified in the City of London Strategic Plan? A Strong Economy A Green and Growing City Fleet Services owns and manages
Maria Cremer, Acting Director, Community and Planning Development Division, 9AD. Joan S. Hobbs, Regional Inspector General for Audit, Region IX, 9DGA
Issue Date August 17, 2009 Audit Report Number 2009-LA-1015 TO: Maria Cremer, Acting Director, Community and Planning Development Division, 9AD FROM: Joan S. Hobbs, Regional Inspector General for Audit,
GIIRS Emerging Market Assessment Resource Guide: Worker Benefits
GIIRS Emerging Market Assessment Resource Guide: What s in this Guide? I. What are Employee Benefits? II. Types of Employee Benefits III. Importance of Benefits IV. Implementation V. Additional Resources
Consultancy opportunities with IFC. Stefan Roos Sr Procurement Officer, Team Lead IFC Procurement Coordination Unit Dublin, June 19, 2012
Consultancy opportunities with IFC Stefan Roos Sr Procurement Officer, Team Lead IFC Procurement Coordination Unit Dublin, June 19, 2012 Importance of Partnerships to our Work IFC s partners include a
Regional Membership Supplement. USA Canada Caribbean Islands 417-EN (313)
USA Canada Caribbean Islands 2013 417-EN (313) 2 Introduction This resource accompanies Strategies for Attracting & Engaging Members (417). The supplement contains regional data and membership trends that
ATTACHED TECHNICAL ASSISTANCE
Strengthening Economic Management Program II (RRP BHU 46371-002) ATTACHED TECHNICAL ASSISTANCE A. Introduction 1. The Ministry of Finance (MOF) of the Government of Bhutan requested capacity development
OVERVIEW OF THE NIGERIA MORTGAGE REFINANCE COMPANY (NMRC)
OVERVIEW OF THE NIGERIA MORTGAGE REFINANCE COMPANY (NMRC) NMRC was established to bridge the funding cost of residential mortgages and promote the availability as well as the affordability of good housing
INFORMAL BACKYARD RENTAL ACCOMMODATION: A SUMMARY OF ISSUES AND POLICY EMANATING FROM CERTAIN PREVIOUS RESEARCH
INFORMAL BACKYARD RENTAL ACCOMMODATION: A SUMMARY OF ISSUES AND POLICY EMANATING FROM CERTAIN PREVIOUS RESEARCH SUSAN CAREY 1. Types of backyard rental accommodation Generally, the following three main
2. Inventory available public property within the site area. Include publiclyheld property, tax-foreclosures, and donated property.
Land Assembly and Redevelopment What is it? Land is location, and location is the most valuable asset in successful real estate development. The right land transaction is crucial to each of the twin objectives
BY GREEN KNOWLEDGE INSTITUTE (GKI)
BY GREEN KNOWLEDGE INSTITUTE (GKI) The Green Village concept/programme has been designed and developed by the Green Knowledge Institute (GKI) for Zambia and African countries in general. The aim of the
Financing sustainable and resilient water and sanitation infrastructure in African cities
Financing sustainable and resilient water and sanitation infrastructure in African cities The issue The 2015 Addis Ababa Action Agenda recognises the critical need to provide sustainable and resilient
Nature of Your Business. Project Information. Total Project Costs. Nature of your business
Business Lending Solutions Region IV Development Corporation Loan Application Company Information Company name Address City State Zip Principal in charge Phone ( ) Fax ( ) Secondary contact person Phone
Tools and Methods for Global Urban Analysis
European Commission Joint Research Centre 1st Urbanization Workshop Day 2, Session 1: Tools and Methods for Global Urban Analysis Ellen Hamilton Lead Urban Specialist World Bank 1 Outline Global Agendas:
Emerging Farmer Support Services
Emerging Farmer Support Services In order to make a success of his/her new farming venture, an emerging farmer requires the following support structures: a) Access to land and related resources like water;
Promoting Access and Affordability in Asia s Housing Finance Markets IFC s Experience
Promoting Access and Affordability in Asia s Housing Finance Markets IFC s Experience Rachel Freeman IFC Financial Institutions Group Hong Kong September 3, 2015 Housing challenge in Asia Growing populations,
By Alister Steele September 2012
A New Role for Housing Associations By Alister Steele September 2012 Introduction Housing association s core role is providing housing for those in greatest need underpinned by traditionally high levels
The UK National Health Service in evolution. Sir Jonathan Michael Chief Executive Oxford Radcliffe Hospitals NHS Trust
The UK National Health Service in evolution Sir Jonathan Michael Chief Executive Oxford Radcliffe Hospitals NHS Trust Background of the NHS Established on 5 th July 1948 by post-war Labour government.
Charging for Pre-application Advice
Charging for Pre-application Advice Guidance Note - London Borough of Islington April 2016 1 Introduction The London Borough of Islington has a rich built heritage, a diverse community and high land values.
London Community Housing Strategy (LCHS) Questions and Answers
London Community Housing Strategy (LCHS) Questions and Answers What is London s Community Housing Strategy? London s Community Housing Strategy provides direction about how the City can meet the range
Securities Trading Policy
Securities Trading Policy Issued on 31 December 2010 1. Introduction Purpose The Board encourages Key Management Personnel (including Directors) employees to own securities in Ruralco Holdings Limited
Reinvigorating Right to Buy and One for One Replacement. Information for Local Authorities
Reinvigorating Right to Buy and One for One Replacement Information for Local Authorities Reinvigorating Right to Buy and One for One Replacement Information for Local Authorities March 2012 Department
Part B1: Business case developing the business case
Overview Part A: Strategic assessment Part B1: Business case developing the business case Part B2: Business case procurement options Part B3: Business case funding and financing options Part C: Project
Unitarian Universalist Church of the North Hills (UUCNH) Title: Gift Acceptance Policy Effective date: 1-9-2014
Unitarian Universalist Church of the North Hills (UUCNH) Title: Gift Acceptance Policy Effective date: 1-9-2014 Purpose This policy is designed to provide guidance to the UUCNH community so as to facilitate
RIBA Plan of Work 2013: Consultation document. You are invited to complete the online questionnaire by 12 August 2012.
RIBA Plan of Work 2013: Consultation document The RIBA is undertaking a comprehensive review of the RIBA Plan of Work. This document sets out the reasons and the rationale behind that review as well as
Role of PPPs in Indian Smart City Mission. Kumar V Pratap Economic Adviser Ministry of Urban Development Government of India
Role of PPPs in Indian Smart City Mission Kumar V Pratap Economic Adviser Ministry of Urban Development Government of India Indian Smart City Mission 31% of Indian population lives in urban areas and contributes
Oregon Housing and Community Services Administrative Overview August 2003
OFFICE OF THE SECRETARY OF STATE BILL BRADBURY SECRETARY OF STATE ARCHIVES DIVISION ROY TURNBAUGH DIRECTOR 800 Summer Street NE Salem, Oregon 97310 (503) 373-0701 Facsimile (503) 378-4118 Oregon Housing
Establishment of the EARMA Academy:
Establishment of the EARMA Academy: Part 1: EARMA Academy Feasibility Study Brussels: 3 September 2015 The EARMA General Assembly (GA), held at Leiden in June 2015, mandated the EARMA Board to establish
GROWTH/REPLICATION STRATEGIES
Stage 7: Long Term Growth/Replication Theme 4: Business Model GROWTH/REPLICATION STRATEGIES Long-term growth is the objective of most organisations. For commercial businesses, the goal is incremental economic
Consumer Behavior: How do we understand sanitation consumers in target markets?
GUIDANCE NOTE 2 Consumer Behavior: How do we understand sanitation consumers in target markets? Mimi Jenkins and Danielle Pedi In this Guidance Note you will learn: How to think about households as consumers
ASF INTERNATIONAL ARCHITECTURE SANS FRONTIÈRES INTERNATIONAL
ASF INTERNATIONAL ARCHITECTURE SANS FRONTIÈRES INTERNATIONAL Formed in the 1990s in Spain, France, Belgium, Italy, Germany. Later in Australia, Denmark, India, Nepal, Portugal, RD Congo, United Kingdom,
Urban Community Energy Fund Getting your project investment ready
Urban Community Energy Fund Getting your project investment ready What is investment readiness, and why does it matter? Investment readiness is when your project is at the right stage to secure a bank
Overview of the Airbnb Community in Berlin
Overview of the Airbnb Community in Berlin Overview of the Airbnb Community in Berlin Airbnb hosts in Berlin have been welcoming guests into their homes since 2009. The following page captures the Airbnb
Developing Kenya s Mortgage Market
Developing Kenya s Mortgage Market Simon Walley Senior Housing Finance Specialist World Bank 17 February, 2011 - Nairobi Outline Rationale for developing the mortgage market Mortgage Market Summary Housing
Summary. Remit and points of departure
Summary The digital society and the digital economy are already here. Digitalisation means that it is becoming natural for people, organisations and things to communicate digitally. This changes how we
