Bibliography by lifemate

VIEWS: 181 PAGES: 14

									   BIBLIOGRAPHY OF PAPERS IN AFRICA RELATING TO
     HOUSING MICROFINANCE, PENSIONS, HOUSING
   INVESTMENTS AND INFRASTRUCTURE FINANCE FOR
        RESIDENTIAL HOUSING DEVELOPMENTS


                     FOR FINMARK TRUST




Michael Kihato
Stephen Berrisford Consulting




17 OCTOBER 2008
Adams, H. R. Cuecuecha, A. and Page, J. (2008). ―Remittances, Consumption and
Investment in Ghana‖ Policy Research Working Paper 4515, World Bank
INTERNET http://www-
wds.worldbank.org/servlet/WDSContentServer/WDSP/IB/2008/02/12/000158349_20
080212092546/Rendered/PDF/wps4515.pdf 16 October 2008.

Akindele, O. A. Rakuena, T. Talukhaba, A. A. and Viruly, F. (2006). ―The Challenges
Facing Progressive Housing Finance in Maseru, Lesotho‖ proceedings of the Annual
Research Conference of the Royal Institution of Chartered Surveyors Thursday 7th
and Friday 8th September 2006 at University College London INTERNET
http://www.rics.org/Networks/Regions/Africa/COBRA%202006%20paper%20by%2
0Akindeye.html Cited 16 October 2008.

Akuffo, S. (2007). ―Housing conditions, borrowing and lending in informal
settlements in Accra‖ available from the resource CD for a workshop on Growing
sustainable housing microfinance options in Sub-Saharan Africa: enhancing the
relevance and scale of housing finance for the poor 19th – 23rd May, 2008, Dar-es-
Salaam, Tanzania.

Allison, F. (2008). ―Community Reinvestment Legislation and Access to Housing
Finance in Post-Apartheid South Africa‖ Housing Studies, Vol. 23, Iss. 5, pp 697-716.

Ansah, B. S. (1999). ―Developing housing finance in transitional economies: Selected
African countries outside of South Africa‖ Housing Finance International, Vol. 14,
Iss. 2, pp. 3-10.

Ansah, S. B. (2002). ―Contribution of Formal Housing Institutions in Housing the
Low-income and the Poor: The potentials, financial constraints, options and
experiences of the African Region‖ UN-Habitat Financing Adequate Shelter for All:
Addressing the housing finance problem in developing countries,
 UN-Habitat, Nairobi, 55 – 61.

Asare, E. and Whitehead, C. (2006). ―Formal mortgage markets in Ghana: nature and
implications‖ RICS Research Paper Series, Vol. 6, No. 13, INTERNET
http://www.rics.org/Networks/Regions/Africa/Ghana/Paper+by+Evans+Asare.htm
Cited on 16 October 2008.

Basu, A., Blavy, R. and M. Yulek. (2004). ―Microfinance in Africa: Experiences and
Lessons from Selected African Countries. IMF Working Paper WP/04/174
INTERNET http://www.imf.org/external/pubs/ft/wp/2004/wp04174.pdf Cited on 17
October 2008.

Beltas, A. (2008). ―Housing and Housing Finance in Algeria: Opportunities and
Challenges‖ Housing Finance International, Vol. 22, Iss. 3, pg. 13-21.

Belo-Osagie, M. Boakye, M. and Patterson, C. C. (2006). ―Capital Markets: Bridging
the Housing Funding Gap with Residential Mortgage-Backed Securities‖ African
Development Bank Law for Development Review, Vol. 1, p. 155.
Downloadable on http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1016029 Cited
30 September 2008
Blood, R. (2001). ―Mortgage default insurance: Credit enhancement for
homeownership‖ Housing Finance International, Vol. 16, Iss. 1, pp. 49-60.

Bolnick, J. (1993). ―The People's Dialogue on Land and Shelter: community-driven
networking in South Africa's informal settlements‖ Environment and Urbanisation,
Vol. 5, No. 1, pp. 91-110.

Brown, W. Tilock, K. Mule, N. & Anyango, E. The Enabling Environment for
Housing Finance for the Poor in Kenya, part of the Shelter Finance for the Poor
Series of the Cities Alliance INTERNET
http://www.microfinancegateway.org/content/article/detail/3739 Cited 29 September
2008

Buckley, R. Mathema, A. (2007). Real Estate and Remittances in Accra, Ghana: A
Case of the Winner’s Curse? INTERNET http://www.urbanres.net/docs/Buckley.pdf
Cited 16 October 2008

Cain, A. (2007). ―Housing microfinance in post-conflict Angola: overcoming
socioeconomic exclusion through land tenure and access to credit‖ Environment &
Urbanization, Vol. 19, No 2, pp. 361–390.

Center for Urban Development Studies: Harvard University Graduate School of Design.
(2000). Housing microfinance initiatives: synthesis and regional summary:
Asia, Latin America and sub-Saharan Africa with selected case studies, INTERNET
http://www.gsd.harvard.edu/research/research_centers/cuds/microf/cuds_microf.pdf
Cited on 16 October 2008.

CGAP (2008). Key Principles of Microfinance INTERNET
http://www.cgap.org/gm/document-1.9.2747/KeyPrincMicrofinance_CG_eng.pdf
Cited 16 October 2008.

CGAP (2008). Linking Financial Service Providers to Commercial Capital: How Do
Guarantees Add Value? INTERNET http://www.cgap.org/gm/document-
1.9.3923/Brief_LinkingFinProviders.pdf Cited 16 October 2008

CGAP (2008). National Microfinance Strategies INTERNET
http://www.cgap.org/gm/document-1.9.4349/Briefs_NatMicroStrat-Update.pdf Cited
on 16 October 2008.

Cooperative Housing Foundation (CHF) International (2005). Practical guide for
housing microfinance in Morocco, CHF International, Silver Spring, USA
INTERNET http://pdf.usaid.gov/pdf_docs/PNADH442.pdf Cited on 16 October 2008.

Cooperative Housing Foundation (CHF) International (2004). Strategic assessment of
the affordable housing sector in Ghana, CHF International, Silver Spring, USA
INTERNET
http://www.chfinternational.org/files/1428_file_Ghana_Housing_Report_PDF_.pdf
Cited on 16 October 2008.




                                                                                      3
Coovadia, C. (2006). ―Challenge and Opportunity: The investment climate in Africa‖,
Banking Association, SA for OPIC Housing Africa Conference, Cape Town, May 2 –
4.

Chijoriga, M. 2000. ―The Performance and Sustainability of Micro-financing
Institutions in Tanzania‖. Journal fur Entwicklungspolitik. XVI/3,2, 275 – 301.

Churchill, C. (1997). Case Studies in Microfinance: South Africa - Get Ahead
Foundation (GAF), World Bank - Sustainable Banking with the Poor (SBP)
INTERNET http://www.microfinancegateway.org/files/2014_file_02014.pdf Cited 29
September 2008.

Cities Alliance (2001). Shelter Finance for the Poor Series, Vol. 4 INTERNET
http://www.microfinancegateway.org/files/3744_file_03744.pdf Cited 29 September
2008

Collins, D. (2006). Focus Note: Housing and Finance for the Poor, The Financial
Diaries, Cape Town INTERNET
http://financialdiaries.com/files/Financial_Diaries_housing.pdf Cited 30 September
2008.

Daphnis, F. and B. Ferguson (eds). 2004. Housing Microfinance: A guide to practice.
Kumarin Press, Bloomfield, US.

Daphnis, F. and Faulhaber, I. (2004). Housing microfinance: policy recommendations
for SIDA’s program INTERNET
http://www.sida.se/shared/jsp/download.jsp?f=SIDA4255en_HousingMF_web.pdf&a
=3322 Cited 15 October 2008.

Datta, K. and Jones, G. (2001). ―Housing and finance in developing countries:
invisible issues on research and policy agendas‖ Habitat International Vol. 25, No. 3,
pp. 333-357.

De Sousa Shields, M. and Frankiewicz, C. (2004). ―Financing Microfinance Institutions:
The Context for Transitions to Private Capital Accelerated Microenterprise
Advancement Project,‖ USAID microReport No. 8 INTERNET
http://pdf.usaid.gov/pdf_docs/PNADC887.pdf Cited on 16 October 2008.

Erbas, N. S. and Nothaft, F. (2002). The Role of Affordable Mortgages in Improving
Living Standards and Stimulating Growth: A Survey of Selected MENA Countries,
IMF Working Paper No. P/02/17 INTERNET
http://papers.ssrn.com/sol3/papers.cfm?abstract_id=879351
Cited 30 September 2008

Erbas, S.N. and Nothaft, F.E. (2005). ―Mortgage markets in Middle East and North
African countries: Market development, poverty reduction, and growth‖ Journal of
Housing Economics, Vol. 14, pp. 212–241.




                                                                                     4
Evans, C. A. (undated). Rural finance in the age of HIV/AIDS: response required:
mitigating risk in African Credit Unions serving HIV/AIDS-affected communities
INTERNET http://www.basis.wisc.edu/live/rfc/cs_07a.pdf Cited on 17 October 2008.

Evans, C. A. and Radu, G. (2002). ―The unpaved road ahead: HIV/AIDS &
microfinance: an exploration of Kenyan credit unions (SACCOS)‖ Research
Monograph Series No. 21 INTERNET
http://www.woccu.org/functions/view_document.php?id=Monograph_21 cited on 17
October 2008.

Eyiah, A. K. (2003). A New Framework for Financing Small Construction Firms in
Ghana, London UK Alternative Finance INTERNET
http://www.microfinancegateway.org/files/20223_20223.htm Cited 29 September
2008.

Ferguson, B. (2003). ―Housing Microfinance – A key to improving habitat and the
sustainability of microfinance institutions‖ Small Enterprise Development, Vol. 14,
No. 1, pp. 21 – 31.

Ferguson, B. (2004). ―Scaling Up Housing Microfinance: A guide to practice‖
Housing Finance International, September, 3 – 13.

Gardner, D. (2006). Financing construction entrepreneurs Market research into the
financing needs of emerging & established contractors & developers operating in the
construction sector undertaking housing, infrastructure and community facilities
contracts, commissioned by the FinMark Trust INTERNET
http://www.finmark.org.za/documents/Nurcha_construction.pdf Cited on 17 October
2008.

Gardner, D. (2007). Overview of the housing finance sector in Zambia,
commissioned by the FinMark Trust INTERNET
http://www.finmark.org.za/ThemeAreas.aspx?uno=7 Cited on 15 October 2008.

Government of Tanzania and UN-Habitat (GT and UN-Habitat). (2002). Re-
establishing Effective Housing Finance Mechanisms in Tanzania: The potential and
the bottlenecks, United Nations Human Settlement Programme.

Groves, R. (2004). ―Challenges facing the provision of affordable housing in African
cities‖ Housing Finance International, Vol. 18, No. 4, pp. 26-31.

GTZ. (2000). A Risk Management Framework for Microfinance Institutions
INTERNET
http://www.ruralfinance.org/servlet/BinaryDownloaderServlet?filename=1126266387
218_A_risk_management_framework_for_MFIs.pdf Cited on 17 October 2008.

Gobezie, G. & Garber, C. (2007) ―Impact Assessment of the Microfinance
Programme in Amhara Region of Ethiopia‖ paper was presented at the International
Conference on Rural Finance Research: Moving Results into Policy and Practice,
March 19-21, 2007, Rome, Italy INTERNET



                                                                                       5
http://www.microfinancegateway.org/files/39294_file_ETHIOPIA_MF_Impact_Pape
r_6.pdf Cited 29 September 2008

Habitat for Humanity, (2008). ―Housing Microfinance Partnerships: Opportunities
and Challenges: A Case Study from Habitat for Humanity Uganda‖ available from the
resource CD for a workshop on Growing sustainable housing microfinance options in
Sub-Saharan Africa: enhancing the relevance and scale of housing finance for the
poor 19th – 23rd May, 2008, Dar-es-Salaam, Tanzania.

Hoek-Smit, M. and Diamond, D. (2003). ―Subsidies for housing finance‖ Housing
Finance, Vol. 17, Iss. 3; pg. 3-13.

Hokan, J. Maximising Choice: Diverse Approaches to the Challenge of Housing
Micro-finance, report for USAID INTERNET
http://www.microfinancegateway.org/files/49670_file_03.pdf Cited on 29 September
2008.

Hughes, D. and Masimba, G. (2004). Feasibility study for the application of
Community-Led Infrastructure Finance Facility (CLIFF) operations in Zambia,
INTERNET http://www.homeless-
international.org/standard_1.aspx?id=1:30554&id=0:27739&id=1:28482 Cited on 17
October 2008

Illana, M. (2005). Access to housing finance in the low income market: a review of
recent data, for the FinMark Trust INTERNET
http://www.finmark.org.za/documents/AccessHousing.pdf Cited 17 October 2008.

Jorgensen, N. O. (2007). ―Housing the No-income Group: The role of Housing
Finance in Alleviating Urban Poverty‖ Housing Finance International, Vol. 21, Iss. 3,
pp. 37-41.

Kaakunga, E. and Ndalikokule, V. (2006). ―Property rights and access to credit‖ Bank
of Namibia Occasional Paper OP-1/2006 INTERNET
http://www.bon.com.na/docs/pub/Property%20Rights%20and%20Access%20to%20C
redit.pdf Cited on 16 October 2008.

Kajimo-Shakantu, K. and Evans, K. (2006). ―The role of banks in the provision of
low-income housing finance in South Africa: can they play a different role‖?
International Journal of Strategic Property Management Vol. 10, Iss. 1, pp. 23-49.

Kajimo-Shakantu, K. Evans, K. (2007). ―Exploring the possibilities of integrating the
savings of women in poor urban communities to formal finance systems to enhance
housing opportunities: A case of South Africa‖ Property Management, Vol. 25, No. 1,
pp. 80-97.

Kalema, W.S. and Kayiira, D. (2008). Access to housing finance in Africa: exploring
the issues: Overview of the housing finance sector in Uganda, commissioned by the
FinMark Trust INTERNET
http://www.finmark.org.za/documents/R_HFA_Uganda.pdf Cited on 17 October 2008.



                                                                                     6
Kamete, A. Y. (2000). ―The practice of cost recovery in urban low-income housing:
a discourse with experiences from Zimbabwe‖ Habitat International, Vol. 24, Iss. 3,
pp. 241-260

Kanagwa, R. J. (2008). ―The Impact of Mortgage Servicing on the Performance of
Mortgage Banking Institutions in Uganda: A Case Study of Housing Finance
Company (U) Ltd‖ Housing Finance, Vol. 22, Iss. 4, pp. 30-41.

Karley, N.K. (2003). ―Challenges in mortgage lending for the under served in South
Africa‖ Housing Finance International, Vol. 18, Iss. 1, pp. 27-33.

Karley, N. K. (2008). ―Ghana Residential Property Delivery Constraints and
Affordability Analysis‖ Housing Finance International, Vol. 22, Iss. 4, pp. 22-30.

Kuyasa Fund. (2005). Delft Area Housing Needs Analysis, commissioned by the
FinMark Trust INTERNET http://www.finmark.org.za/ThemeAreas.aspx?uno=7
Cited on 15 October 2008.

Lea, M. (2005). ―Attracting Private Capital into Low-Income Markets‖ Housing
Finance International, Vol. 20, Iss. 1, pp. 7-29.

Lopez, C. and Angulo, J. (2005). ―Bridging the Finance Gap: ACCION‘s Experience
with Guarantee Funds for Microfinance Institutions‖ Insight, No. 15 INTERNET
http://papers.ssrn.com/sol3/papers.cfm?abstract_id=906591.

Macoloo, G. C. (1994). ―The changing nature of financing low-income urban housing
development in Kenya‖ Housing Studies, Vol. 9, Iss. 2, pp. 281-299.

Machoyo, P. (1997) Appropriate Mechanisms for Financing Low Cost Housing in
Kenya, A Review INTERNET
http://www.microfinancegateway.org/content/article/detail/3357 Cited 29 September
2008

Manda, M.A.Z. (2007). ―Mchenga - Urban poor housing fund in Malawi‖
Environment and Urbanization, Vol. 19, No. 2, pp. 337-359.

Martin, R. and Mathema, A. (2008). ―Housing finance for the poor in Morocco:
programs, policies and institutions‖ USAID microREPORT #96.
http://www.microfinancegateway.org/content/article/ordering/49672 INTERNET 14
October 2008

Mathema, A. (2007). ―African Union for Housing Finance: Final Report Qualitative
Study Household Interviews, Mbabane Swaziland, Dar-es-Salaam, Tanzania and
Accra Ghana‖ available from the resource CD for a workshop on Growing
sustainable housing microfinance options in Sub-Saharan Africa: enhancing the
relevance and scale of housing finance for the poor 19th – 23rd May, 2008, Dar-es-
Salaam, Tanzania.

Mavimbela, N. (2007). ―Assessment of housing and housing finance needs of
households in urban informal settlements: socioeconomic studies selected urban


                                                                                      7
informal settlements Swaziland, Ghana, Tanzania and South Africa‖ for the Cities
Alliance. Available from the resource CD for a workshop on Growing sustainable
housing microfinance options in Sub-Saharan Africa: enhancing the relevance and
scale of housing finance for the poor 19th – 23rd May, 2008, Dar-es-Salaam, Tanzania.
Presentation available on INTERNET
http://www.auhf.co.za/unionnews/DR.%20T%20J%20NNKYA_AUHF%20CITIES%
20ALLIANCE%20PILOT%20PROJECT_%20TANZANIA.pdf Cited on 17 October
2008.

Mbabane City Council (2006). ―Mbabane urban upgrading and finance programme
socio‐ economic study,‖ available from the resource CD for a workshop on Growing
sustainable housing microfinance options in Sub-Saharan Africa: enhancing the
relevance and scale of housing finance for the poor 19th – 23rd May, 2008, Dar-es-
Salaam, Tanzania.

Mcleod, R. (2001). Bridging the Finance Gap: Experiences of Linking Community-
based Housing Finance to Formal Finance Mechanisms, Homeless International
INTERNET http://www.homeless-
international.org/doc_docs/paperHI_ForGavle_Sept01.pdf Cited 02 October 2008.

McLeod, R. 2005. ―Feasibility Studies for the Application of Community-led
Infrastructure Finance Facility (CLIFF) Operations in Sub-Saharan African
Countries‖. Homeless International for UN-Habitat‘s Urban Management Programme
(UMP), January. INTERNET http://www.homeless-
international.org/doc_docs/SummaryReportFinal_1Feb05.pdf Cited on 17 October
2008.

Mehta, M. Knapp, A. and WSP-Africa. (2004). ―The Challenge of Financing
Sanitation for Meeting the Millennium Development Goals,‖ paper commissioned as
a think piece by the Norwegian Ministry of the Environment, for the 12th Session of
the United Nations Commission on Sustainable Development (CSD-12), New York,
April 14-30, 2004 INTERNET
http://www.sulabhenvis.in/admin/upload/pdf_upload/af_finsan_mdg.pdf CIted on 17
October 2008.

Merill, S. R. (2001). ―Low- and moderate-income housing finance in South Africa:
Making progress in a troubled environment‖ Housing Finance International, Vol. 15,
Iss. 3, pp. 51-65.

Merrill, S., Gardner. D. and S. Bierman. (2005). Mortgage Market Development in
Uganda, Zambia and Tanzania, Urban Institute for USAID and United States
Treasury Department, Executive Summary, October.

Merill, S. R. and Tomlinson, M. (2006a). ―Housing finance, microfinance, and
informal settlement upgrading: an assessment of Tanzania‖ prepared for the United
States Agency for International Development and the African Union of Housing
Finance, Urban Institute, Washington DC. Available from the resource CD for a
workshop on Growing sustainable housing microfinance options in Sub-Saharan
Africa: enhancing the relevance and scale of housing finance for the poor 19th – 23rd
May, 2008, Dar-es-Salaam, Tanzania.


                                                                                        8
Merill, S. R. and Tomlinson, M. (2006b). ―Housing Finance, Microfinance, and
Informal Settlement Upgrading: An Assessment of Ghana‖ prepared for the African
Union on Housing Finance and the USAID. Available from the resource CD for a
workshop on Growing sustainable housing microfinance options in Sub-Saharan
Africa: enhancing the relevance and scale of housing finance for the poor 19th – 23rd
May, 2008, Dar-es-Salaam, Tanzania.

Merrill, S., Blood, R., Rabehorst, C. and D. Whiteley. (2006d). Development of
Mortgage Default Insurance in Kenya: Assessment Report, Executive Summary,
Urban Institute for Overseas Private Investment Corporation (OPIC).

Mills, S. (2007). ―The Kuyasa Fund: housing microcredit in South Africa‖
Environment and Urbanization, Vol. 19, No. 2, pp. 457-469.

Mitlin, D. (2003). ―A fund to secure land for shelter: supporting strategies of the
organized poor‖ Environment and Urbanization, Vol. 15, No. 1, pp. 181-192.

Mitlin, D. (2003). ―Finance for Shelter: Recent history, future perspectives‖ Small
EnterpriseDevelopment, Vol. 14 No. 1, pp. 11 – 20.

Mitlin, D. (2005). Catalysing pro-poor development, the role of savings and savings
organizations, key issues arising from an international workshop on housing finance
and poverty, Bangkok, June 2004 IIED Human Settlements Programme, London
INTERNET http://www.iied.org/pubs/pdfs/9525IIED.pdf Cited 01 October 2008.

Morris, I. Mullard, K. and Jack, M. (2007). ―The growth of ‗financial services‘
provided by Homeless International‖ Environment and Urbanization, Vol. 19, No. 2,
pp. 471-481.

Moss, V. (2001) ―The state of housing finance in South Africa‖ Housing Finance
International, Chicago: Vol. 16, No. 2, pp. 30-36.

Moyo, T. and Shannon, T. (2006). ―Corporate citizenship in the context of the
financial services sector: what lessons from the Financial Sector Charter‖?
Development Southern Africa, Vol. 23 Iss. 2, pp. 289-303.

Muller, A. and Mitlin, D. (2007). ―Securing inclusion: strategies for community
empowerment and state redistribution‖ Environment and Urbanization, Vol. 19, No. 2,
pp. 425-439.

Muller. M. (2008). ―Free basic water — a sustainable instrument for a sustainable
future in South Africa‖ Environment and Urbanization, Vol. 20, No. 1, pp. 67-87.

Mushendami, P., Kaakunga, E., Amuthenu-Iyambo, M., Ndalikokule, V. and J.
Steytler. (2004). ―Promoting Microfinance Activities in Namibia: A regulatory and
supervisory perspective‖ Bank of Namibia Working Paper WP-2/2004, Bank of
Namibia Research Department. INTERNET
http://www.bon.com.na/docs/pub/Promoting%20Microfinance%20activities%20in%2
0Namibia.pdf Cited on 17 October 2008.


                                                                                        9
Mutagwaba, H.C. (2002). ―The Challenges of Re-starting a Market-based Housing
Finance System in Tanzania: Constraints, lessons and the way forward‖ UN-Habitat
Financing Adequate Shelter for All: Addressing the housing finance problem in
developing countries.UN-Habitat, Nairobi, 83 – 92.

Mutero, J. G. and Matrix Development Consultants (2007). Access to housing finance
in Africa: exploring the issues: Overview of the housing finance sector in Kenya,
commissioned by the FinMark Trust INTERNET
http://www.finmark.org.za/documents/HF_Kenya.pdf Cited on 17 October 2008.

Mutekede, L. and Sigauke, N. (2007). ―Low income housing finance –post
independence experiences, prospects and policy implications for Zimbabwe‖ paper
presented at the ENHR 2007 International Conference ‘Sustainable Urban Areas” 25-
28 June Rotterdam INTERNET
http://www.enhr2007rotterdam.nl/documents/W01_abstracts.pdf Cited on 17 October
2008.

Mwaura, J. (2000). NACHUs Housing Credit Scheme, Huruma Informal Settlement
Intermediate Technology Development Group–Eastern Africa INTERNET
http://practicalaction.org/docs/shelter/iuhd_wp3_nachu_housing_huruma.pdf Cited 02
October 2008

National Housing Authority of Zambia (NHAZ). (2002). ―Housing Finance: The
Zambian experiences and lessons learnt‖ UN-Habitat Financing Adequate Shelter for
All: Addressing the housing finance problem in developing countries, UN-Habitat,
Nairobi, 99 – 106.

Ng, Helen. (2007). ―Framing the Debate: Use of Guarantees for Housing Finance‖
INTERNET
http://www.acumenfund.net/uploads/assets/documents/CGAP%20Housing%20Paper
%20final_YoKrtgKu.pdf Cited on Friday, 17 October 2008.

Nnkya, T. J. (2007). ―Housing conditions, borrowing and lending in informal
settlements in Dar es Salaam: Socio-Economic Studies of Mwananyamala Kisiwani;
Buguruni Mnyamani and Makangarawe,‖ report commissioned for USAID, available
from the resource CD for a workshop on Growing sustainable housing microfinance
options in Sub-Saharan Africa: enhancing the relevance and scale of housing finance
for the poor 19th – 23rd May, 2008, Dar-es-Salaam, Tanzania.

Nyasulu, C. E and Cloete, C. E (2007). ―Lack of affordable housing finance in
Malawi‘s major urban Areas” Property Management, Vol. 25 No. 1, pp. 54-67.
Also available INTERNET
https://www.up.ac.za/dspace/bitstream/2263/2438/1/Nyasulu_Lack(2007).pdf Cited
on 16 October 2008.

Ogu V.I and Ogbuozobe J.E. (2001). ―Housing policy in Nigeria: towards enablement
of private housing development‖ Habitat International , Vol. 25, No. 4, pp. 473-492.




                                                                                  10
Okpala, D.C.I (1994). ―Financing housing in developing countries: a review of the
pitfalls and potentials in the development of formal housing finance systems‖ Urban
Studies, Vol. 31, No. 9, pp. 1571–86.

Okwir, N. (2002). ―Lessons Learnt so far from Housing Finance Operations
Experience in Uganda: What these experiences portend for the realization of adequate
shelter for all‖ UN Habitat Financing Adequate Shelter for All: Addressing the
housing finance problem in developing countries, 93 – 98.

Oriaro, M. (2000). Bridging the finance gap in housing and infrastructure: A Kenyan
Case study, Homeless International INTERNET http://www.homeless-
international.org/doc_docs/paperMO_KenyaFINAL__Jan00.pdf Cited 02 October
2008.

Ositadima, O. (1998). ―Housing finance and housing delivery systems in Kenya:
bottlenecks, recent developments and the way forward‖ Housing Finance
International, Vol. 12, Iss. 4, pp. pp. 14-27.

Pearson, R. V and Greef, M. (2006). Causes of Default among Housing Micro Loan
Clients, commissioned by FinMark Trust Rural Housing Loan Fund, National
Housing Finance Corporation and Development Bank of Southern Africa, South
Africa INTERNET http://www.finmark.org.za/documents/COD_final%20report.pdf
Cited 17 October 2008.

Pillay, A. and Naudé, W.A. (2006). ―Financing low-income housing in South Africa:
Borrower experiences and perceptions of banks‖ Habitat International, Vol. 30 Iss. 4,
pp. 872-885.

Pillay, A. and W. A. Naudé (2006). ―Savings and Affordability in South African‘s
Low-Income Housing Market‖ Savings and Development, Vol XXX, No. 1, pp. 79-
94.

Porteous, D. (2000). ―Coming second? Secondary market development in developing
countries: A case study‖ Housing Finance International, Vol. 15, Iss. 1, pp. 18-26.

Price Waterhouse Coopers (2007). Initial Perspectives on Strategic and Emerging
Banking Issues in Key African Markets, Price Waterhouse Coopers, Johannesburg,
South Africa INTERNET
http://www.pwc.com/za/eng/pdf/pwc_PanAfrica_bankingSurvey07.zip Cited on 16
October 2008

Rabenhorst, C. and Butler, S. (2007). ―Tanzania: Action Plan for Developing the
Mortgage Finance Market: Report on Legal and Regulatory Issues in the Mortgage
Market in Tanzania,‖ Urban Institute, Washington DC. Available from the resource
CD for a workshop on Growing sustainable housing microfinance options in Sub-
Saharan Africa: enhancing the relevance and scale of housing finance for the poor
19th – 23rd May, 2008, Dar-es-Salaam, Tanzania.

Randhawa, B. and J. Gallardo. (2003). ―Microfinance Regulation in Tanzania:
Implications for development and performance of the industry‖ Africa Region


                                                                                    11
Working Paper Series, No. 51. World Bank Group. INTERNET
http://www.worldbank.org/afr/wps/wp51.pdf Cited on 17 October 2008.

Radipotsane, M. O. (2007). ―Determinants of Household Saving and Borrowing in
Botswana,‖ IFC Bulletin No. 25 INTERNET http://www.bis.org/ifc/publ/ifcb25t.pdf
Cited on 11 October 2008.
Rakodi, C. (1995). ―Housing finance for lower income urban households in
Zimbabwe‖ Housing Studies, Vol. 10 Iss. 2, pp. 199-228.

Renaud, B. (1999). ―The Financing of Social Housing in Integrating Financial
Markets: A View from Developing Countries,‖ Urban Studies, Vol. 36, No. 4, pp.
755-773.

Rudloff, L. and Enang Professional Services (2007). Access to Housing Finance in
Africa exploring the issues: overview of the housing finance sector in Botswana,
commissioned by the FinMark Trust INTERNET
http://www.finmark.org.za/ThemeAreas.aspx?uno=7 Cited on 15 October 2008.

Rust, K. (2006). Analysis of South Africa’s Housing Sector Performance,
commissioned by the FinMark Trust INTERNET
http://www.finmark.org.za/ThemeAreas.aspx?uno=7 Cited 15 October 2008.

Rust, K. (2006). ―Supporting the Housing Asset Triangle: South Africa‘s real housing
challenge,‖ presentation to the Colloquium: Are Hernando de Soto’s views
appropriate to alleviating poverty in SA? June 2006 Johannesburg, South Africa
INTERNET http://www.finmark.org.za/documents/DeSoto.pdf Cited on 17 October
2008.

Rust, K. (2008). ―Housing finance in sub-Saharan Africa: reflections from South
Africa‖ Presentation at the Second African Ministerial Conference on Housing and
Urban Development (AMCHUD II) 28-30 July 2008 Abuja, Nigeria INTERNET
http://www.finmark.org.za/documents/Pres_AMCHUD.pdf Cited on 17 October 2008.

Sacerdoti, E. (2005). ―Access to Bank Credit in Sub-Saharan Africa: Key issues and
reform strategies‖ IMF Working Paper WP/05/166 INTERNET
http://www.imf.org/external/pubs/ft/wp/2005/wp05166.pdf Cited on 15 October 2008.

Sáenz. M. R. (2007). Framing the Debate: Use of Family Remittances for
Housing Finance, INTERNET
http://www.habitat.org/hfhu/programs/cgap_working_group/pdf/Debate_Framing_Re
mittances.pdf Cited on 17 October 2008.

Saywell, D. (1999). Micro-credit for sanitation, CW Delft, The Netherlands: Water
and environmental health at London and Loughborough (WELL) INTERNET
http://www.microfinancegateway.org/files/2549_file_02549.htm Cited 29 September
2008

Shelter Afrique. 2002. ―Housing Operations in the Africa Region: Lessons learnt and




                                                                                   12
prospects for the realization of the goal of adequate shelter for all‖. UN-Habitat
Financing Adequate Shelter for All: Addressing the housing finance problem in
developing countries, UN-Habitat, Nairobi, 49 – 54.

Sheuya, S. A (2007). ―Reconceptualizing housing finance in informal settlements: the
case of Dar es Salaam‖ Environment and Urbanization, Vol. 19, No. 2, pp. 441-456.

Shisaka Development Management Services (Pty) Ltd in Association with CSIR Built
Environment, (2006). Research Report 11: Research into successful entrepreneurs,
report commissioned by the National Department of Housing, the Social Housing
Foundation, NEDBANK and the FinMark Trust INTERNET
http://www.finmark.org.za/documents/HBE_RR11.pdf Cited on 17 October 2008.

Shisaka Development Management Services (Pty) Ltd in Association with CSIR Built
Environment, (2006). Research Report 12: Research into service providers in respect
of entrepreneurs, report commissioned by the National Department of Housing, the
Social Housing Foundation, NEDBANK and the FinMark Trust INTERNET
http://www.finmark.org.za/documents/HBE_RR12.pdf Cited on 17 October 2008.

Shisaka Development Management Services (Pty) Ltd in Association with CSIR Built
Environment, (2006). Research Report: consolidated analysis of research into small
scale landlords and home based entrepreneurs, report commissioned by the National
Department of Housing, the Social Housing Foundation, NEDBANK and the
FinMark Trust INTERNET http://www.finmark.org.za/documents/SSL_analysis.pdf
Cited on 17 October 2008.

Smets, P. (2006). ―Small is beautiful, but big is often the practice: Housing
microfinance in discussion‖ Habitat International, Vol. 30, Iss. 3, pp. 595-613.

Smit, W. (2000). Housing Finance Policy in South Africa, Development Action
Group, Cape Town INTERNET http://www.dag.org.za/docs/research/16.pdf Cited 01
October 2008

Steel, W. and D. Andah. (2003). ―Rural and Microfinance Regulation in Ghana:
implications for development and performance of the industry‖ Africa Region
Working Paper Series No 49, World Bank Group, June INTERNET
http://www.worldbank.org/afr/wps/wp49.pdf Cited on 17 October 2008.

Tomlinson, M. (1998). ―Mortgage bondage? South Africa's financial institutions and
low-cost housing delivery‖ Housing Finance International, Vol. 12, Iss. 4, pp. 3-8.

Tomlinson, M. R. (1998). ―The role of the banking industry in promoting low-income
housing development‖ Housing Finance International, Vol. 12, Iss. 4, pp. 8-14.

Tomlinson, M. R. (2005). ―South Africa's Financial Sector Charter: Where From,
Where To‖? Housing Finance International, Vol. 20, Iss. 2, pp. 32-37.

Tomlinson, M. (2007) A Literature Review on Housing Finance Development In Sub-
Saharan Africa, report for the Finmark Trust INTERNET http://www.finmark.org.za
Cited on 17 October 2008.


                                                                                     13
USAID (2008). ―Going to scale with housing microfinance: the role of commercial
banks‖ USAID microReport No. 97 INTERNET http://www.iamfi.com/pdf/PDF2.pdf
Cited on 17 October 2008.

United Nations Human Settlement Programme (UN-Habitat). (2002). Financing
AdequateShelter for All: Addressing the housing finance problem in developing
countries.

United Nations Human Settlement Programme (UN-Habitat). (2005). Financing
Urban Shelter: Global report on human settlements.

United Nations Human Settlement Programme (UN-Habitat). (2007). Small Loans for
Shelter: The Rise and Rise of Microfinance, United Nations Human Settlements
Programme, Nairobi INTERNET
http://www.microfinancegateway.org/files/33246_file_47.pdf Cited on 29 September
2008.

Van Rooyen, Mills, S. (2003). ―Banking on the poor: a review of the Kuyasa Fund‖,
Occasional Paper Series, Housing Finance Resource Program, Johannesburg
INTERNET http://www.thekuyasafund.co.za/pdf/Banking%20on%20the%20Poor.pdf
Cited 16 October 2008.

Williams, C. (2005). ―Setting the Context: Kenya‖ Housing Finance International,
Vol. 20, Iss. 1, pp. 20-27.

Yahya, S. (2008). ―Financing social infrastructure and addressing poverty through
wakf endowments: experience from Kenya and Tanzania‖ Environment and
Urbanization, Vol. 20, No. 2, pp. 427-444 .




                                                                                    14

								
To top