Affordable Quality Housings Strategies for Low-Income Family in Abuja: What Lesson from Non-Profit Housing Developers?

• Author(s): Kyari Muhammadu Habibullah ; Maimuna Sani Umar ; Musa Hamza
• Paper ID: 1703243
• Page: 309-326
• Published Date: 13-03-2022
• Published In: Iconic Research And Engineering Journals
• Publisher: IRE Journals
• e-ISSN: 2456-8880
• Volume/Issue: Volume 5 Issue 9 March-2022

Abstract

The challenges facing low-income family in many developing countries in the delivery of affordable housing is as a result of insufficient housing policies being enforced. Housing issues in these countries have thus increased, citing Nigeria as a case, due to certain fundamental factors that hinder the successful implementation of policies. As a result, governments are facing tremendous pressure on demand for affordable housing, particularly the low-income groups. Over the years, the provision of affordable housing for low-income earners in the new federal capital, has been shown to be ineffective; evident from the poor living standards in the densely populated urban centres. Though, the main sources of housing finance are Government-by given housing loans to staff, grants to the Federal Housing Authority FHA. The mortgage instruments in operation are cumbersome there by making accessibility to fund by interested borrowers almost impossible. However, from previous literature by scholars it is understood that past and present governments have been and are still implementing some kinds of affordable housing delivery programs, yet they are unable to address the needs of income groups for housings demands. In addition, the performance of the housing stock is also subject to intense scrutiny with regard to norm, adequacy and social interactions. Conversely, there is little or non-research on the transformation of buildings into adequate and affordable housing through an inclusive approach on Non-Profit Housing Developers (NPHDs), in Nigeria for mass supply of affordable housing. A focus group interview with 5-7 participants was subsequently implemented within the new federal capital, Abuja as a methodological approach in the analysis. Consequently, the study suggests an alternative approach as Sustainable Symbiotic Housing Model (SHM) by NPHDs suitable for the mass supply of affordable housing in urban centres. Subsequently, if the model is used correctly, it would result in a significant increase in affordable housing supply for low income family in densely populated urban centres in Nigeria.

Keywords

Housing Affordability, National Development Plans, Strategies, Non-Profit Housing Developers.

Citations

IRE Journals:
Kyari Muhammadu Habibullah , Maimuna Sani Umar , Musa Hamza "Affordable Quality Housings Strategies for Low-Income Family in Abuja: What Lesson from Non-Profit Housing Developers?" Iconic Research And Engineering Journals Volume 5 Issue 9 2022 Page 309-326

IEEE:
Kyari Muhammadu Habibullah , Maimuna Sani Umar , Musa Hamza "Affordable Quality Housings Strategies for Low-Income Family in Abuja: What Lesson from Non-Profit Housing Developers?" Iconic Research And Engineering Journals, 5(9)