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HOUSING MICROFINANCE: FASHION OR FOOTWEAR David Porteous

Developing sustainable housing ecosystems worldwide. 2. Content. What is it?What's fuelling the recent surge in interest? What do we know about it?What does this mean for the future? . Developing sustainable housing ecosystems worldwide. 3. What is it? . Shelter microfinanceProgressive/ incremen

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HOUSING MICROFINANCE: FASHION OR FOOTWEAR David Porteous

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    1. Developing sustainable housing ecosystems worldwide 1 HOUSING MICROFINANCE: FASHION OR FOOTWEAR? David Porteous

    2. Developing sustainable housing ecosystems worldwide 2 Content What is it? What’s fuelling the recent surge in interest? What do we know about it? What does this mean for the future?

    3. Developing sustainable housing ecosystems worldwide 3 What is it? Shelter microfinance Progressive/ incremental build NOW: Inclusive financial sectors Asset building versus income generating Savings and credit, even insurance “Financial instruments which improve housing situation of low income people”

    4. Developing sustainable housing ecosystems worldwide 4 Prevailing winds 1 Demand side: Urbanization

    5. Developing sustainable housing ecosystems worldwide 5 Prevailing winds 1 contd MDG 7 (Target 11): improve conditions of 100m slum dwellers by 2020 900m in ‘slums’ (2005 MDG TF report) Slum upgrading facility (UNHABITAT) Increased donor focus

    6. Developing sustainable housing ecosystems worldwide 6 Prevailing winds 2 Supply side: MFI pressures & opportunities to grow fast

    7. Developing sustainable housing ecosystems worldwide 7 Prevailing winds 2 Supply side: MFI pressures & opportunities to grow fast

    8. Developing sustainable housing ecosystems worldwide 8 What do we know?

    9. Developing sustainable housing ecosystems worldwide 9 What do we know?

    10. Developing sustainable housing ecosystems worldwide 10 What do we know?

    11. Developing sustainable housing ecosystems worldwide 11 What do we know?

    12. Developing sustainable housing ecosystems worldwide 12 What do we know?

    13. Developing sustainable housing ecosystems worldwide 13 What do we know?

    14. Developing sustainable housing ecosystems worldwide 14 What do we know?

    15. Developing sustainable housing ecosystems worldwide 15 Traditional HMF Same loan officers could handle working capital & housing MF Building material suppliers Some tied, some not Technical assistance for building: No noticeable difference

    16. Developing sustainable housing ecosystems worldwide 16 ‘New’ HMF Patrimonio Hoy (1999- ) Cemex, Mexico Savings and credit on building materials 75 000 clients (2004) CODI (1992 - ) National Housing Authority, Thailand Support for community associations Baan Mankong: 300 000 h/h by 2007 (2004: 14 600) Where’s the scale going to come from?

    17. Developing sustainable housing ecosystems worldwide 17 The future Distribution vs. risk management When can/ should they be unbundled? Product side: importance of point of sale New technology reduces cost Retailers & credit cards Ongoing tussle; affinity branding

    18. Developing sustainable housing ecosystems worldwide 18 The future (2) So far, similar to MF in general Housing: Special importance of liquidity facilities Special importance of subsidy blending www.HFGateway.org

    19. Developing sustainable housing ecosystems worldwide 19 No fad; but also only baby boots

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