Housing Microfinance

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Housing Microfinance

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Author : Franck Daphnis
language : en
Publisher: Kumarian Press
Release Date : 2004

Housing Microfinance written by Franck Daphnis and has been published by Kumarian Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004 with Business & Economics categories.

* First book to link housing and microfinance * Presents international and US experience As the premier book to provide a comprehensive overview of housing microfinance worldwide, Housing Microfinance sets the standard for future work in the field. The expert contributors combine wisdom from the separate fields of housing policy and microfinance, demonstrating what each can learn from the other. With solid guidance for practitioners and policymakers, the book reviews important issues for international and domestic microfinance institutions that are considering expanding into housing and for providers of conventional housing loans who seek to offer their services to poor clients who lack collateral or regular income.

Taking Shelter

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Author : Patrick McAllister
language : en
Publisher:
Release Date : 2021-01-15

Taking Shelter written by Patrick McAllister and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-01-15 with categories.

PUBLISHING NOVEMBER 2020 How do low-income families, representing some 70% of the world's population, finance home building and improvements - and how is the financial sector, from microfinance institutions and banks to investors and regulators, changing to serve their needs? The practice of housing microfinance has evolved substantially, with a large number of innovations across the entire housing financing ecosystem. New research methodologies, such as financial diaries, have yielded a deeper and more nuanced understanding of how poor households use finance, both formal and informal, to construct their homes. The housing finance industry is also growing. The home improvement loans that are at the heart of housing microfinance are offered in hundreds of institutions, leading to important lessons on how they work. Meanwhile, a new class of institutions - micro-mortgage lenders - have emerged to fill the space between housing microfinance and traditional mortgage lending. On the funding side, debt funding is now available to finance or re-finance housing microfinance loans; while other investors have carved out a new role for equity investing in housing finance - showing the critical role that private investors can play. And now a new breed of public wholesale financing has emerged, showing the catalytic role public sector investment can play in encouraging housing finance markets in their countries. This volume explores recent innovations in housing microfinance, presented by the innovators themselves: from field researchers and financial providers, to investors and regulators. It is a key reference to any reader interested in expanding housing finance for the world's poor.

So You Want To Do Housing Microfinance

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Author : Cooperative Housing Foundation (U.S.)
language : en
Publisher:
Release Date : 2001-01

So You Want To Do Housing Microfinance written by Cooperative Housing Foundation (U.S.) and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001-01 with Home improvement loans categories.

This guide is a useful resource for microfinance institutions (MFIs), financial institutions and donor agencies interested in understanding home improvement lending and how to respond to the evolving needs of microfinance clients. Home improvement loan programs allow the working poor to improve their homes under terms that meet their financing needs and repayment capacity. This guide takes the reader through the process of assessing both the potential demand for a home improvement lending program and the implementation capacity for an MFI. It provides a framework for MFIs to determine feasibility.

State Of Housing Microfinance In Africa

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Author : Michael Kihato
language : en
Publisher:
Release Date : 2013

State Of Housing Microfinance In Africa written by Michael Kihato and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with Housing categories.

Housing Microfinance

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Author : Franck Daphnis
language : en
Publisher: Kumarian Press
Release Date : 2004

Housing Microfinance written by Franck Daphnis and has been published by Kumarian Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004 with Housing categories.

* First book to link housing and microfinance * Presents international and US experience As the premier book to provide a comprehensive overview of housing microfinance worldwide, Housing Microfinance sets the standard for future work in the field. The expert contributors combine wisdom from the separate fields of housing policy and microfinance, demonstrating what each can learn from the other. With solid guidance for practitioners and policymakers, the book reviews important issues for international and domestic microfinance institutions that are considering expanding into housing and for providers of conventional housing loans who seek to offer their services to poor clients who lack collateral or regular income.

So You Want To Do Housing Microfinance

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Author : Cooperative Housing Foundation (U.S.)
language : en
Publisher:
Release Date : 2001

So You Want To Do Housing Microfinance written by Cooperative Housing Foundation (U.S.) and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001 with Home improvement loans categories.

Managing Risk And Creating Value With Microfinance

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Author : Mike Goldberg
language : en
Publisher: World Bank Publications
Release Date : 2010-04-01

Managing Risk And Creating Value With Microfinance written by Mike Goldberg and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-04-01 with Business & Economics categories.

20110614

Developing A Housing Microfinance Product

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Author : International Finance Corporation
language : en
Publisher:
Release Date : 2013

Developing A Housing Microfinance Product written by International Finance Corporation and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with categories.

The objective of this case study is to document an example of the successful design and implementation of housing micronance (HMF) products by analyzing the approach taken by the First Micronance Bank of Afghanistan (FMFB-A) from 2009 to 2013. This report aims to encourage other lenders to follow suit and offer housing-related loans to low-income earners. It is part of IFC's MENA Micronance Knowledge Management project, which aims to raise awareness among micronanceinstitutions (MFIs) about the importance of risk management, product development, and transformation. FMFB-A was established in 2003 with the mission to reduce poverty and promote nancial inclusion by providing its clients with access to nancial services. Shareholders of FMFB-A are the Aga Khan Agency for Micronance (AKAM), Aga Khan Foundation USA, the German Development Bank (KfW), and the International Finance Corporation (IFC). FMFB-A has a nation-widepresence in Afghanistan and serves over 53,000 clients with an outstanding portfolio of 64.5 million dollars. Housing nance accounts for about 17 percent of its total portfolio. FMFB-Ais currently the only MFI in Afghanistan that offers a housing micronance product. FMFB-A implemented a rigorous, albeit exible, approach to the roll-out of its HMF products in Afghanistan. The idea to develop an HMF product at FMFB-A started in 2007 as a response to client demand. Its aim has been to increase access to housing micronance for Afghanistan's low-income households in urban and rural areas. It also sought to improve the quality of housing for this segment by offering construction technical assistance (CTA) services.

Housing Microfinance

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Author : Franck Daphnis
language : en
Publisher:
Release Date : 2004

Housing Microfinance written by Franck Daphnis and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004 with categories.

Innovative Islamic Social Finance For Housing Microfinance

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Author : Zamir Iqbal
language : en
Publisher:
Release Date : 2019

Innovative Islamic Social Finance For Housing Microfinance written by Zamir Iqbal and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019 with categories.

For a long time, microfinance was considered an appropriate tool to accomplish social and financial goals simultaneously. Over time microfinance has become more commercialized, transforming into a financially efficient industry, allowing more customers to have access to more sophisticated banking products (e.g. small housing loans). Despite interest from the commercial sector, the industry has yet to find a workable market-based solution to fund (housing) microfinance and to improve access to finance. Microfinance in member countries of the Organization of Islamic Cooperation (OIC) face three challenges: (i) affordable funding, (ii) financial exclusion due to religion and limited access of consumers to financial services, and (iii) constraints in the area of risk and management capabilities. Growing populations and rising urbanization have impeded the access of low income groups to housing finance. Housing costs in relation to incomes and the lack of formal title have forced people to live in informal settlements. The objective of this paper is to describe and assess the introduction of an innovative way to leverage Islamic social finance instruments combined with a market-based mechanism, e.g. ṣukūk, (Islamic bond), that aims to enhance access to finance at a lower and more affordable cost. Microfinance institutions have tapped capital markets by securitizing their housing microfinance portfolios however, due to the high risk of underlying portfolio conventional mechanisms of credit enhancements fail. The paper proposes a unique way to overcome credit enhancement issues in absence of outright credit guarantees through the use of Islam's redistributive social finance instruments such as waqf (trust) and qard hasan), qarḍ ḥasan (benevolent loan). The result is a viable option to develop a market-based financing solution to address core problems of financial inclusion and non-bankable segments in OIC countries.