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“Housing Microfinance Initiatives,” Case Study for USAID Microenterprise Best Practices Initiative, 1999-2000

Abstract

Team members at the Unit for Housing and Urbanization (later the Center for Urban Development Studies) at Harvard University’s Graduate School of Design worked on the “Housing Microfinance Initiative” case study from 1999 to 2000, accompanying USAID’s Microenterprise Best Practices effort. The Unit produced reports to highlight the achievements of housing micro-finance initiatives around the world. Findings noted the challenges facing the extension of microcredit to poor households for funding shelter construction and improvements, land acquisition, and infrastructure provisions. Geographic regions covered include South Asia, Southeast Asia, Latin America, and Sub-Saharan Africa.

Documents include a final report, a 1998 draft background report on Guatemala, an inception brief, multiple summary and synthesis reports, supporting overviews, and case studies with photos. Regional overviews address the broad geographic areas noted above.

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Project Year:1999-2000
Project Type:Case Study
Geographic Regions:South Asia (India and Bangladesh) / Southeast Asia (Philippines) / Latin America (Guatemala) / Sub-Saharan Africa (South Africa)
Reports:
Authors:John Driscoll; Graciela Fortin-Magana; Christopher Rogers; Mona Serageldin; Sameh Wahba; Christine Williams; Kimberly Wilson
Sponsors:USAID Microfinance Office; Development Alternatives, Inc. (Bethesda, Maryland)
Categories:Urban Planning
  
ID:1999_00_001

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I2UD Digital Library Study Guide: Understanding Informal Settlements and Slum Upgrading, October 2024

Beginning in 1982, the Unit for Housing and Urbanization at Harvard University’s Graduate School of Design hosted International Training Programs (ITP), an annual series of 2- to 4-week summer seminars designed to strengthen the decision-making skills of senior professionals in public and private agencies responsible for urban development.

The I2UD Digital Library holds curriculum materials for ITPs from 1988, 1991, 1994, 1995, 1997, and 1998:

The tradition of ITPs continued after 2000, when the Center for Urban Development Studies (CUDS) (a re-organization of the Unit) continued training seminars as International Education Programs (IEP) from 2000-2004:

Programs included inter-linked modules, lectures, case studies, interactive computer simulation models, site visits to urban projects, discussion groups and networking with professional counterparts from international metropolitan regions. Sessions had a modular format and structured team teaching, taught by a team of senior faculty and guest lecturers. Programs ended with a synthesis presented through a project evaluation exercise. Participants used case projects to examine strategies from the viewpoint of both public and private partners — to assess the feasibility and potential impacts of policies and projects on the community and the city. Presentations by guest speakers, representing U.S. and international agencies, NGOs, and community groups, were also integrated within the pedagogic framework of each module.

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“Community-Based Urbanization and Favelas Rehabilitation Processes,” Case Study in Academy Editions, Architecture of Empowerment: People, Shelter and Livable Cities, for Fortaleza, Brazil, 1997

Abstract

Specialists at the Center for Urban Development Studies (CUDS) at Harvard University’s Graduate School of Design, including Mona Serageldin, wrote the report “Community-Based Urbanization and Favelas Rehabilitation Processes” in 1997, published in The Architecture of Empowerment: People, Shelter and Livable Cities.

This housing case study of Fortaleza, Brazil examined the four interlinked urban programs in Fortaleza, which formed a coordinated framework for public and community action to address the human and environmental aspects of rapid urbanization. Programs combined capacity building, participation, civic engagement, and community-based management of local resources.


[Excerpt: Final Report, 1997]

“Fortaleza’s interlinked urban programs (Mutirão 50, Comunidades, Casa Melhor and the Integration Council) created a framework for coordinated public and community action addressing the human aspects as well as the environmental dimensions of rapid urbanization. The programs combined capacity building, participation, civic engagement and community based management of local resources. Fortaleza, the capital of the Ceara State, in the Northern region of Brazil, has a population of 2.5 million inhabitants, over half of whom live in more than 350 irregular settlements, known as “favelas”, lacking infrastructure and services. Rapid demographic growth and sustained migration from rural areas has fueled their proliferation. Since 1973, a new favela has developed every month . . .”
. . . .

“The goal of the Mutirão 50 pilot and the Comunidades programs is to create an interface for coordinated action by the different actors involved in urban development. The process capitalizes on the complementary roles of NGOs that have the capacity to innovate and lead an outreach and mobilization effort, and the public authorities that can foster institutionalization and replication of successful actions. The programs have 3 strategic objectives: to create a setting for self-built mutirões housing; to generate employment opportunities; and to set in motion a process of sustainable development.“

“The programs reinforce citizen participation and the autonomy of community based organizations by building up their capacity to negotiate with public authorities and broadening their vision and understanding of the wider socio-economic context. The Comunidades program is managed by a special commission, referred to as the Integration Council. It includes two representatives of each of the partners involved: the State, the municipalities, the university and the technical school, the NGOs and the community groups. . . “
. . . .

“Close ties to education and research institutions help develop innovative approaches to the three complementary and integrated action lines of the program: Housing construction institutional development and job creation. In light of the importance given to technical training, the collaborative effort with educational institutions is considered critical to the program’s success.”

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Project Year:1995
Project Type:Research Paper
Geographic Regions:Fortaleza, Brazil
Reports:Community Based Urbanization and Favelas Rehabilitation Processes: (Final Report, 1997)
Authors:Mona Serageldin; Boguslaw Trondowski; Sameh Wahba
Sponsors:Center for Urban Development Studies, Harvard University Graduate School of Design
Categories:Urban Planning
  
ID:1995_00_006

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I2UD Digital Library Study Guide: Understanding Informal Settlements and Slum Upgrading, October 2024

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“Review of Ongoing USAID Shelter Sector Activities in Morocco,” Report for USAID/Morocco Office of Housing and Urban Programs, 1992-1998

Abstract

In 1992, the Unit for Housing and Urbanization (the Unit) at Harvard University’s Graduate School of Design contributed to a USAID/Morocco urban planning report, “Review of Ongoing USAID Shelter Sector Activities in Morocco,” to address challenges of rapid urbanization. These materials present a rich regional profile of public housing and land use in Morocco circa 1991-1992.

The Unit’s contributions from June 1992 presented an economic analysis with financial metrics on urban shelter programs, measuring the impact of two Moroccan agencies: the ANHI Low Income Housing Program and the Tetouan Urban Development Program. Research noted the increased demand for basic services in Morocco’s cities, like water supply and shelter, in connection to widespread unemployment and underemployment for the urban poor. Workshop elements outlined problems and objectives for future urban infrastructure programs, noting where public officials must make decisions to compromise the needs of urban communities with government economic priorities.

Documents include the final report (June 1992), with a summary by Mona Serageldin. Also included is a Phase I Report (January 1998) outlining a strategic planning workshop on supporting the long-term operation of ANHI’s programs, as well as an accompanying document containing documentation, references, and appendices.


[Excerpt: 1.1 Background – “Review of Ongoing USAID Shelter Sector Activities in Morocco” (June 1992)]

“The ongoing USAID shelter sector activities in Morocco were conceptualized in 1985 within a context of accelerating urbanization and massive rural urban migration. The urban programs initiated by USAID focused on priority areas:

— Rationalizing the land delivery process and regularizing informal land development.
— Institutionalizing sound administrative and fiscal practices in infrastructure management and finance and the delivery of urban services.
— Widening the scope of private participation in the shelter sector by increasing the production of affordable building plots and expanding the role of private developers of low cost housing.
— Reinforcing decentralization by strengthening local managerial capabilities and enhancing local revenues.”


[Excerpt: 1.0 Background – Phase I Report: “Strategic Planning Workshop” (January 1998)]

“ANHI is a state enterprise in charge of providing access to safe and sanitary housing for lower income families in Morocco. Its activities include the purchase of land, its subdivision and servicing to resettle squatters and to market affordable housing plots, as well as the upgrading of infrastructure in under-serviced and unserviced informal settlements. ANHI operates under the Ministry of Housing umbrella. It is headquartered in Rabat, Morocco and has nine regional offices throughout the country. Since its creation in 1984, ANHI has produced an average of 10,000 plots per year. ANHI’s land purchases and other investment cost are financed with beneficiary advances, foreign and local borrowing, and auto financing. It has benefited from US AID support through HG loans and grants, including the currently active HG loan of $100 million which allowed ANHI to increase production to 15,000 serviced plots in 1994 and 1995.”

Dersa, Vertical Expansion of Buildings with Ground Floor Micro-Enterprises. See more photo Excerpts, below.

Taza, Low Cost Housing with Commercial Ground Floor

Figure 6-4 City of Taza, Al-Qods 1 Project “Residential Plots, Commercial Lots, Community Facilities, Green Areas”

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Project Year:1992
Project Type:Report
Geographic Regions:Morocco
Reports:
Authors:Samir Kanoun (TSS, Inc.); Mona Serageldin
Sponsors:USAID Office of Housing and Urban Programs; International City/County Management Association (ICMA)
Categories:Informal Settlements and Urban Upgrading
  
ID:1992_00_004

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“The Development and Morphology of Informal Housing,” Research Paper, Aga Khan Award for Architecture Seminar Proceedings, Mona Serageldin, 1988

Abstract

Mona Serageldin authored the research paper “The Development and Morphology of Informal Housing” in 1988 under the Unit for Housing and Urbanization at Harvard University’s Graduate School of Design, published as part of the proceedings for the Aga Khan Award for Architecture seminar, Architecture of Housing, held in Zanzibar, Tanzania in October 1988.

The paper relates the history of housing development processes from the 1950s through the 1980s in the Middle East, North Africa, and East Africa regions, in cities including Tunis, Tunisia; Damascus, Syria; Cairo, Egypt; Zanzibar, Tanzania; and Sana’a, Yemen. It compares the makeup of circumstances and populations, and describes housing units in each location, covering design and construction, with requirements for designing suitable housing units.


[Excerpt: I. Background: Mona Serageldin]

“The involvement of architects and planners with housing for lower income groups began in the 50’s and 60’s when national governments in the post colonial era embarked on slum eradication programs. Slum dwellers were to be rehoused in public housing estates. To the designers of these first projects, the overriding concern was decent shelter and sanitary conditions and not affordability. That their vision was influenced by prevailing international norms was the natural outcome of their professional training. Their failure to foresee the implications of demographic and economic trends over the next 2 decades invalidated their approach. Their efforts were overwhelmed by population growth, surplus labor, and an influx of rural migrants which could not be checked.

“Throughout the 60’s housing shortages increased and slums proliferated. Frustrated authorities turned to legislative controls, a politically expedient short-term remedy. The longer term impacts were devastating. Stringent controls accelerated the deterioration of the regulated stock, distorted private production, undermined the tax base, hampered residential mobility and warped occupancy patterns.

“The low cost shelter solutions advocated in the 60’s and 70’s produced a variety of expandable core housing prototypes to meet the needs of the urban poor. They were valid models in parts of Africa and Asia where the process happened to coincide with local practices as in Khartoum and Dakar. Elsewhere, the lack of enthusiasm among housing authorities for these approaches stemmed from an accurate perception of their unsuitability as a housing solution for the middle classes, the only client group of political consequence. Leverage and funding from international agencies launched projects in many countries which otherwise might have never experimented with minimal shelter programs. The improvements provided were on a scale too small to be meaningful in relation to the magnitude of the problem or noticeable in the midst of sprawling chaotic cities. By the mid 70’s their demonstration effect had lost its significance.”

“The shock waves in world economics and the resultant movements of labor and capital transformed the character of urban growth throughout the third world. By 1981, 15 million expatriate workers funneled between 25 and 35 billion dollars of foreign exchange back to their home countries. As the bulk of these remittances found their way into real estate, the urbanized area of cities doubled or tripled in extent shaped by uncontrolled housing construction on an unprecedented scale. Functionally defective and aesthetically chaotic environments became the dominant feature of cities, those annual rate of expansion of 4% to 7% outstripped the capacities of municipalities to provide urban services. As a result, their efficiency was impaired and there has been a sharp deterioration in the quality of life.”

Project Year:1988
Project Type:Research Paper
Geographic Regions:Cairo, Egypt / Damascus, Syria / Tunis, Tunisia / Sana’a, Yemen / Zanzibar, Tanzania
Reports:The Development and Morphology of Informal Housing (Mona Serageldin, September 1988)
Authors:Mona Serageldin; Samir Abdulac; Oussama Kabbani; Richard Khan
Sponsors:Aga Khan Award for Architecture
Categories:Urban Planning
  
ID:1988_09_001

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I2UD Digital Library Study Guide: Understanding Informal Settlements and Slum Upgrading, October 2024

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Design Studio 1988: “Urban Infrastructure Planning and Programing in Developing Countries,” Chapters 1-7, Seminar Curriculum

Abstract

The Design Studio from Spring 1988, “Urban Infrastructure: Planning and Programming in Developing Countries” was developed by Mona Serageldin, with students and scholars from the Aga Khan Unit for Housing and Urbanization at Harvard University’s Graduate School of Design.

The 1988 Design Studio outlined problems and urban infrastructure programs, illustrated by maps, demographics, and case study reports. Curriculum materials give particular attention to support for the urban poor, with case studies on Indonesia, Bahrain, and Zhejiang Province in China. Seven chapters address infrastructure issues in light of rapid urbanization, including unemployment and underemployment in urbanizing countries, and an increased demand for basic needs like water supply and shelter.

A final Design Studio student report on Bahrain, features 99 pages of rich spatial, social, commercial, and architectural overview of historic Muharraq, Bahrain’s third largest city. Section 5.0 features a paper condensed from Arabic, by Tareq Wali, “Traditional Urban Fabric and Architecture,” including a substantial list of tables, maps, and references. Additional sections cover the historical evolution of the district:

  • 5.1: The Development of Muharraq;
  • 5.2: Morphology of the Traditional Urban Fabric & The Organization of Space;
  • 5.3: Commercial Element;
  • 5.4: Residential Elements; and
  • Annex: Notes on Building Materials and Architecture.



[Excerpt, Chapter 6, Paper B, The Urban Operational Perspective. “Introduction to the Course Background,” for “Urban Infrastructure, Planning and Programming in Developing Countries, p. 1.1]

“Virtually without exception in the cities and towns of the developing world, the ability to plan, finance and implement urban development programs and infrastructure programs in particular, is in a state of crisis. Severe deficiencies exist and are growing in nearly all sub-sectors. Explosive population growth, partly through immigration from rural areas and in the cases of the largest cities, natural growth, have placed pressures on city authorities for increased services. For instance, the population of the urban areas in developing countries is likely to grow by 1 billion over the next two decades. Simultaneously with growth to date, the state of existing services has universally deteriorated.”

“At the same time the governments in these countries are trying valiantly to cope with what are prime concerns; large and growing unemployment and under employment, and raised expectations by their peoples of access to minimum basic needs in water supply, shelter, etc. These pressures though countrywide, are visibly focused in the urban areas, and thus influence political, administrative, financial, and economic decisions, not always in a coherent or rational manner.”

“Urbanization involves costs to the public sector which amount to large shares of total public spending. Dense human settlement requires levels of servicing – for health reasons, if no other – which are not as essential elsewhere. Rising incomes increase demands for water, electricity, road space, telephones are similar public services. Expectations for urban amenities and appearances are high, and the costs of providing them are also high. Growth of the larger cities often involves diseconomies of scale – longer pumping distances for water and traveling distances for commuters, for example. In some of the largest metropolitan areas, geographical shape and terrain accentuate the costs of growth: Bangkok, Bombay and Mexico City come to mind. Soaring land prices add to the costs of private and public sector development.”

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Project Year:1988
Project Type:Urban Design Studio
Geographic Regions:Indonesia / Muharraq, Bahrain / Zhejiang Province, China
Reports:
Authors:David B. Cook; Mona Serageldin; Geeta Pradhan; Tarek Waly; Jens Lorentzen; John Kirke; David Gilmore
Sponsors:Unit for Housing and Urbanization, Harvard University Graduate School of Design
Categories:Design Studios; Education
  
ID:1988_00_004

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Gallery 3 – BAHRAIN: Manama and Muharraq, 1980s