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

Abstract

The Unit’s work on the “Housing Microfinance Initiative” case study spanned 1999 to 2000, along with 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 addressed include South Asia, Southeast Asia, India, Bangladesh, Philippines, Latin America (specifically Guatemala), 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, case studies with photos. Regional overviews address the broad geographic areas noted above.

See related I2UD projects below

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:
Housing Microfinance: (Final Report)

Housing Microfinance Initiatives: Genesis Empresarial Community Infrastructure Lending Program, Guatemala (Final Draft, December 1998)

Housing Microfinance: (Inception Brief, March 1999)

Housing Microfinance: (Regional Summary, January 2000)

Housing Microfinance: (Synthesis Report, March 2000)

Housing Microfinance: (Synthesis and Regional Summary, May 2000)

Housing Microfinance: (Executive Summary, May 2000)

Housing Microfinance: Proposed Scope (Case Study Overview)

Housing Microfinance: Proposed Scope (Synthesis Report)

Housing Microfinance: Proposed Scope, Asia and Africa (Regional Overview)

Housing Microfinance: Proposed Scope, Latin America and Eastern Europe (Regional Overview)

Housing Microfinance: (Case Studies and Photos)
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

Related I2UD Projects

The International Training Programs (ITP) began in 1982, as 2-4 week long summer seminars held by the Unit for Housing and Urbanization (Harvard University) in Cambridge, MA. ITP curriculums were 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 19881991199419951997 and 1998:

The tradition of ITPs continued after 2000, when 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.


“Planning for Climate Adaptation Program” for Four Dominican Republic Municipalities: Santo Domingo National District, Santiago de los Caballeros, San Pedro de Macoris, and Las Terrenas, 2015

“National Urban Policies in Arab States,” Regional Assessment and Case Studies on NUPs in Egypt, Jordan, Morocco, Saudi Arabia and Sudan, 2014

“Arusha Urbanization Strategy and Urban Development Plan,” Development Strategy for Arusha Municipality, Tanzania, 2009-2012

ICLRD: Urban Reconciliation Case Studies for Public Housing Estates in Ireland and Northern Ireland, with Study Profile on the Basel Metropolitan Area, 2010-2012

Executive Training Course 2006: “Strategic Planning for Sustainable Infrastructure Development,” Workshop Curriculum with Case Studies, Pretoria, South Africa, 2006

IEP 2003: “Infrastructure and Partnerships for Local Economic Development” in Pretoria and Bloemfontein, South Africa, International Education Programs, 2003

IEP 2002: “Strategic Planning for Local Development & Urban Revitalization,” Program Overview, International Education Programs, 2002

Workshops on “Strategic Planning and Management of Municipal Infrastructure Programs,” from Review of Grant-Funded MIPs in South Africa, May-June 1999

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

ITP 1998: “The Role of Public/Private Partnerships in Urban Improvements,” with Case Studies on Kreuzberg, Berlin (Germany), GIS Mapping on Cape Cod (US) and the Maarouf Quarter of Cairo (Egypt), 1998

“City of Szczecin Capital Improvement Program,” Case Studies for Technical Assistance Program, Szczecin, Poland, 1996

ITP 1994: “Revitalization in Older Urban Spaces,” Upham’s Corner, Dorchester, Boston, South Boston, and New Haven (US); Montpellier (France); and Cork (Ireland) with Case Studies, International Education Programs, 1994

“Introduction to Local Finances,” Teaching Monographs and Case Studies on Finance Management, by Visiting Lecturer David C. Jones, 1994-1999

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

Abstract

This report “Community-Based Urbanization and Favelas Rehabilitation Processes,” was written by Mona Serageldin and CUDS specialists in 1997, and published in The Architecture of Empowerment: People, Shelter and Livable Cities, Academy Editions.

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.”

See related I2UD projects below

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

Related I2UD Projects

“Review of Ongoing USAID Shelter Sector Activities in Morocco,” Report by Dr. Mona Serageldin with ICMA, TSS Inc. for USAID/Morocco Office of Housing and Urban Programs, 1992-1998

Abstract

In 1992, Dr. Mona Serageldin and Samir Kanoun (TSS Inc.) contributed to an USAID/Morocco urban planning report, “Review of Ongoing USAID Shelter Sector Activities in Morocco” to address the challenges of rapid urbanization in Morocco. 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 by measuring the impact of two Moroccan agencies: the ANHI Low Income Housing Program, and the Tetouan Urban Development Program. Authors stressed the increased demand for basic services in Morocco’s cities, like water supply and shelter, in connection to major unemployment and underemployment for 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.

Primarily, the report featured strategic planning matrixes and urban financial analyses — which makes it a strong-study model. It provided a financial cost analysis, municipal profiles, and discussion on government policy — with graphics of planning metrics, service inequities and delivery of urban services by region in Morocco’s urban areas.

Documents include the Final Report (June 1992), with a Draft Summary by Dr. Mona Serageldin. Also included are a Phase I Report (January 1998, completed with TSS), fulfilling the Unit’s contract to “organize a strategic planning workshop with the aim of defining a strategic approach and a set of operational strategies to ensure the effectiveness and financial viability of ANHI’s programs.” Within the Phase I Report are Strategic Planning Annexes, including a Synthesis in French, “Matrice stratégique de I’ANHI.” Finally, see accompanying 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”

See related I2UD projects below

Project Year:1992
Project Type:Report
Geographic Regions:Morocco
Reports:
Authors:Samir Kanoun (TSS); 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

Related I2UD Projects

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

Abstract

Mona Serageldin authored this research paper in 1988 for the Unit for Housing and Urbanization at Harvard University, published as part of the proceedings of the Aga Khan Award for Architecture Seminar on the “Architecture of Housing” held in Zanzibar, Tanzania in October 1988.

The paper relates the history of housing development processes (1950s-1980s) in the Middle East, North Africa and East African 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.”

See related I2UD projects below

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

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 Dr. 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 the Kingdom of Bahrain, features 99 pages of rich spatial, social, commercial and architectural overview of the historic city of Muharraq, Bahrain. Muharraq (Arabic: المحرق or al-Muḥarraq) is Bahrain’s third largest city. See: Organization of World Heritage Cities. Section 5.0 features a paper condensed from Arabic, by Dr. Tareq Wali: “Traditional Urban Fabric and Architecture,” including a substantial list of Tables, Maps, and References. 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.”

See related I2UD projects below

Project Year:1988
Project Type:Urban Design Studio
Geographic Regions:Indonesia / Muharraq, Bahrain / Zhejiang Province, China
Reports:
1988 Design Studio: Chapter 1 Course Introduction

1988 Design Studio: Chapter 2 Institutional Aspects of Urban Development

1988 Design Studio: Chapter 3 Urban Development and Multi Sectoral Investment Planning

1988 Design Studio: Chapter 4 Selection of Appropriate Infrastructural Standard and Integration of Systems

1988 Design Studio: Chapter 5 Identification Feasibility and Appraisal of Urban Infrastructure (David Cook)

1988 Design Studio: Chapter 6 Paper A Operation and Maintenance

1988 Design Studio: Chapter 6 Paper B The Urban Operational Perspective

1988 Design Studio: Chapter 7 Institutional and Financial Aspects

1998 Design Studio: Indonesia (Case Study)

1988 Design Studio: Kingdom of Bahrain (Student Report)

1988 Design Studio: Zhejiang Multi-City Project (Case Study)
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

Related I2UD Projects


Design Studio 1981: “Housing Design in Islamic Cultures” in Algeria, Bangladesh, Egypt, Iraq, Pakistan, Saudi Arabia and Indonesia, Seminar Curriculum

Design Studio 1984: “The Revitalization of a Traditional Urban Quarter” for the Medieval Darb al Ahmar District, Cairo, Egypt, Seminar Curriculum

Design Studio 1984: “Design, Technology and Logistics for Large Housing Projects,” in Algeria, India, Iraq, Malaysia, Mali and Singapore, Seminar Curriculum

Design Studio 1987: “Arad New Town,” Land-Fill Development Solutions for Arad New Town, Muharraq Island, Bahrain, Seminar Curriculum

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

Design Studio 1989: “Rabat’s Urban Fringe,”  Urbanization Analysis of Rabat, Morocco – Seminar Curriculum

Design Studio 1990: “The Medina of Tunis,” Urban Regeneration for the Historic Hafsia District, Tunis, Tunisia, Seminar Curriculum

Design Studio 1992: “Cairo and the Medieval City” &”Urban Regeneration in Medieval Cairo,” in Cairo, Egypt, Seminar Curriculum

Design Studio 1993: “Rabat’s Urban Fringe,” Rabat, Morocco, Seminar Curriculum

Design Studio 1994: “A New Urban Center for Adjamé, Abidjan, Ivory Coast,” Seminar Curriculum

Design Studio 1995: “Urban Regeneration and Housing in a Transitional Economy: Lublin, Poland,” Seminar Curriculum

Design Studio 1996: “Strategic Urban Redevelopment in a Transitional Economy in Gdansk, Poland,” Seminar Curriculum

Design Studio 1997: “Strategic Planning and Local Development,” Seminar Curriculum

Design Studio 2003: “Urban Strategies for Economic Recovery: A Revitalization Strategy for New Bedford, Massachusetts,” Seminar Curriculum