22
views
0
recommends
+1 Recommend
6 collections
    0
    shares
      • Record: found
      • Abstract: found
      • Article: found

      De/motivations in housing microfinance delivery in Ghana

      , , ,
      Property Management
      Emerald

      Read this article at

      ScienceOpenPublisher
      Bookmark
          There is no author summary for this article yet. Authors can add summaries to their articles on ScienceOpen to make them more accessible to a non-specialist audience.

          Abstract

          Purpose

          The purpose of this paper is to explore the de/motivation variables in the delivery of housing microfinance (HMF) in the low-income housing market in Ghana.

          Design/methodology/approach

          The paper relied on a survey of 125 respondents of microfinance institutions (MFIs) to understand the interactions and effects of these variables on HMF delivery in Ghana. Descriptive and bivariate statistical methods were used to analyse the data.

          Findings

          The findings revealed that both internal and external variables motivate MFIs to engage in the low-income housing market. These variables are: MFIs desire for expansion, the potential size of the low-income housing market, the market potential for MFIs growth, the availability of local resources, unique features and products of the market, low-income housing offering an opportunity for leveraging resources and the preference for homeownership than rental among individuals in the low-income segment of the population. However, variables such as capital lock-up in HMF delivery, high-interest rates in the country, high cost and land prices, high cost and price of building materials, lack of sufficient collaterals and the different interest rates required on HMF loans also served as demotivation in the low-income housing market in Ghana.

          Research limitations/implications

          The paper findings are limited in context to Ghana.

          Practical implications

          The paper, although limited to Ghana, contributes to the much-needed body of knowledge on low-income housing finance in developing countries.

          Originality/value

          The paper is the first of its kind in using empirical data to explore the motivational and demotivational variables in the delivery of HMF in a developing country context such as Ghana.

          Related collections

          Most cited references45

          • Record: found
          • Abstract: found
          • Article: not found

          Housing and health: time again for public health action.

          Poor housing conditions are associated with a wide range of health conditions, including respiratory infections, asthma, lead poisoning, injuries, and mental health. Addressing housing issues offers public health practitioners an opportunity to address an important social determinant of health. Public health has long been involved in housing issues. In the 19th century, health officials targeted poor sanitation, crowding, and inadequate ventilation to reduce infectious diseases as well as fire hazards to decrease injuries. Today, public health departments can employ multiple strategies to improve housing, such as developing and enforcing housing guidelines and codes, implementing "Healthy Homes" programs to improve indoor environmental quality, assessing housing conditions, and advocating for healthy, affordable housing. Now is the time for public health to create healthier homes by confronting substandard housing.
            Bookmark
            • Record: found
            • Abstract: not found
            • Article: not found

            Consequences of Reducing Nonresponse in a National Telephone Survey

              Bookmark
              • Record: found
              • Abstract: not found
              • Article: not found

              PUBLIC MANAGEMENT AND POLICY NETWORKS: Foundations of a network approach to governance

                Bookmark

                Author and article information

                Journal
                Property Management
                PM
                Emerald
                0263-7472
                October 16 2017
                October 16 2017
                : 35
                : 5
                : 528-544
                Article
                10.1108/PM-10-2016-0054
                47ff70a3-da7f-4d03-8d76-ab51cf078419
                © 2017

                https://www.emerald.com/insight/site-policies

                History

                Comments

                Comment on this article