Finance for land, infrastructure and housing has originated from three sources over the past 20 years: NGOs, governments and microfinance institutions. NGOs have largely concentrated on supporting community groups for collective action to negotiate for infrastructure and building projects; government agencies have run subsidized land and housing programmes for poverty alleviation, and MFIs have begun to offer housing loans, finding housing to be a profitable new market. This article outlines the three approaches, and suggests the way ahead.
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