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Khuda ki Basti in Karachi presents a crucial housing scheme aimed at addressing Pakistan's mounting housing crisis, with an existing backlog of 8 million units and an annual demand of 400,000 units. With over 30% of the population living in slums and many families struggling with low incomes, Mr. Tasneem Siddiqui, CEO of Saiban, emphasizes the importance of affordable and effective housing strategies. This initiative focuses on a community-driven approach to incremental housing development, promoting sustainability, health care, and education while ensuring long-term viability and accessibility for urban poor.
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Khuda-ki-Basti-3 KARACHI PAKISTAN Incremental Housing Scheme Mr. Tasneem Siddiqui, CEO Saiban
HOUSING SITUATION IN PAKISTAN(POPULATION: 220 MILLION) CURRENT BACKLOG 8.0 MILLION HOUSING UNITS ANNUAL INCREMENTAL DEMAND 400,000 HOUSING UNITS POPULATION LIVING IN SLUMS 30-35% PEOPLE LIVING IN ONE-ROOM 50% TENEMENTS AVERAGE FAMILY SIZE 6.6 PERSONS
INCOME DISTRIBUTION IN PAKISTAN(1 US $ = 138 PAKISTANI RUPEES) ABSOLUTE POOR: SURVIVING ON CHARITY AND COMMUNITY HELP 5% FAMILIES EARNING BETWEEN 8000 TO 16000 (minimum wage fixed by the govt) 15% RUPEES PER MONTH FAMILIES EARNING BETWEEN 16000 TO 48000 (three times of the minimum wage) 60% RUPEES PER MONTH FAMILIES EARNING BETWEEN 48000 TO 150000 ` 15% RUPEES PER MONTH FAMILIES EARNING 150000 RUPEES AND ABOVE 5% PER MONTH
Income Groups vs. Housing Projects Low Income 8,000-30,000 Medium Income 30,001-250,000 High Income 250,000 and above = 1% 43% 56% 68% 20% 12% 68% of the population (lowest income) has only 1% of total housing units within their buying reach *Data based on survey of housing projects in the second largest city of Pakistan All values are in PKR
ISSUES WHICH DO NOT GET ATTENTION INGOVERNMENT HOUSING SCHEMES - AFFORDABILITY - TARGETING - TIME-LAG BETWEEN ALLOTMENT AND HANDING- OVER POSSESSION - CUMBERSOME PROCEDURES LEADING TO CORRUPTION AND DELAYS - AVAILABILITY OF SOCIAL SECTOR SERVICES IN LOW- COST SETTLEMENTS
ROLE OF INFORMAL SECTOR IN PROVIDINGSHELTER TO THE LOW-INCOME PEOPLE ITS PROCESS IS SIMPLE IDENTIFICATION OF STATE LAND COLLUSION WITH POLICE AND LOCAL FUNCTIONARIES HANDING-OVER LAND TO THE NEEDY WITH NO INFRASTRUCTURE AVAILABILITY OF CREDIT AND TECHNICAL ADVICE - IT FOCUSES ATTENTION ON ISSUES LIKE AFFORDABILITY, TARGETING, TIME-LAG AND SIMPLE PROCEDURES - IT IS SUCCESSFUL BECAUSE ITS APPROACH IS COMPATIBLE WITH THE SOCIOLOGY AND ECONOMICS OF THE URBAN POOR
INCREMENTAL HOUSING DEVELOPMENT (KKB) – FORMALIZINGTHE INFORMAL SECTOR APPROACH SOME IMPORTANT ASPECTS - IT ANALYSES WEAKNESSES OF PUBLIC SECTOR DELIVERY SYSTEM - IT LEARNS FROM THE STRENGTHS OF THE INFORMAL SECTOR - IT MIXES THE TWO: “FORMALIZING THE INFORMAL” - IT GOES FURTHER AND EVOLVES AN INTEGRATED APPROACH WITH FOCUS ON PRIMARY HEALTH CARE, EDUCATION,FAMILY PLANNING AND INCOME- GENERATING SCHEMES
INCREMENTAL HOUSING 1- IT IS EASILY REPLICABLE BECAUSE OF THE SIMPLICITY OF ITS APPROACH 2- IT IS SUSTAINABLE IN THE LONG RUN BECAUSE THE COMMUNITY IS INVOLVED FROM THE VERY BEGINNING – AND AT ALL STAGES OF PLANNING AND DEVELOPMENT 3- IT NOT ONLY MAKES TENURED LAND ACCESSIBLE TO THE URBAN POOR BUT LINKS PROVISION OF SERVICES TO COST RECOVERY 4- IT IS SELF-FINANCING PROVIDED THE LAND IS MADE AVAILABLE ON DEFERRED PAYMENT