Elissa McCarter_How Can Microfinance for Housing, Land and Infrastructure Catalyze Slum Improvements and New Settlements?
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Elissa McCarter_How Can Microfinance for Housing, Land and Infrastructure Catalyze Slum Improvements and New Settlements?
- 1. Emergency Economic Governance & Response Housing & Urban Development Civil Society Global Health Infrastructure Development &Transition
- 2. Urban Programs Engaging Residents in a New Era
- 3. Globally, there are 927 million slum dwellers. Where do they live? Territory size shows the proportion of worldwide population that live in urban slums by country. Source: Millennium Indicator: 'Slum population in urban areas (UN-HABITAT)'. Data last updated on 24 Feb 2005
- 4. Urban Development Approach •Housing improvement •Micro enterprise •Adequate and affordable water development and sanitation services provision •Finance services •Solid waste management •Youth development •Infrastructure improvement •Secure tenure Land, Housing, Infrastructure Economic and Urban Development Services Pro-Poor Urban Development Municipal Civil Society Development Empowerment •Capacity Building •Technical assistance •Organizational development •Networking •Technical assistance •Participatory urban planning •Financial assistance promotion •Inclusive governance
- 5. Cities vs. Land Markets
- 6. Nagpur Pune Bangalore
- 7. No One Size Fits All Place-Based Strategies
- 8. “The Poor” Is a Misnomer Importance of Segmentation
- 9. The “poorest poor” have other priorities.
- 10. Shelter In Bangalore, Nagpur and Pune: •383 Housing units constructed •680 housing units in the pipeline
- 11. Shelter
- 12. Shelter
- 13. Example from Ghana: Ayidik Night Market Association in Accra • Association of 100 vendors in slum market. • Existing borrower of CHF partner institution Boafo Microfinance Ltd. • Threatened with eviction, convinced the owner (a church) to sell the land. • Asking price was 3,000 Ghanaian cedis (about $2,140).
- 14. Challenges and Limitations • High density cities is the new norm. • Formalizing land tenure unlikely on prime real estate, or relatively small % of urban population. • Microfinance mechanisms and progressive housing unlikely to be a dominant solution. • Promising initiatives to segment “the urban poor” to provide government housing, rental options, mixed income, affordable mortgages.
- 15. LabourNet Needs to Needs fix a information plumbing on jobs problem
- 16. LabourNet’s Core Value Proposition Job Information Qualified work: trained Support in client handling workers Business skill training Benefits to Replacement Clients Technical training for Verified and Tracked workers workers Opening Bank Account Benefits to Customer Service Centre Identity Card Workers Support Accident Insurance Optional Health Insurance
- 17. The Market Speaks, The Program Scales 40,000 36000 35,000 32000 30,000 25,000 Registered Workers 20,000 Accident Insurance 15,000 Bank Accounts 14000 Skill Training 10,000 Job Linkage Information 5,000 3000 2500 2000 •5,300 informal workers 2000 1300 0 1000 trained 2008 2009 2010 2011 •Job Linkage: Information provided to 8000+
- 18. Power in Numbers Inclusion-based Strategies