Habitat for Humanity

Transcription

1 Habitat for Humanity Diversifying programs to provide affordable housing opportunities to those in need Anita Ebersohn (HFHI-EMEA), Ezekiel Esipisu (HFHI-EMEA), Crystal West (HFH South Africa) and Joseph S. Munsanje (HFH Zambia)

2 About Habitat for Humanity Presented by: Anita Ebersohn, HFHI-EMEA

3 Habitat for Humanity International Habitat for Humanity International was founded in 1976 by Millard and Linda Fuller. Habitat for Humanity International (HFHI) is a nonprofit, ecumenical Christian housing ministry. Habitat offers shelter solutions to people of all backgrounds, races and religions, in partnership with families in need. HFHI is organized in the State of Georgia in the U.S. and serves in more than 70 countries across the globe, including countries in Europe, Middle East & Africa (EMEA).

4 Habitat for Humanity International Habitat for Humanity s vision is: A world where everyone has a decent place to live Anchored by the conviction that safe and affordable housing provides a critical foundation for breaking the cycle of poverty, Habitat has helped more than 3 million people construct, rehabilitate or preserve homes since To get more information about Habitat s global operations, please visit

5 Habitat for Humanity in Africa

6 Habitat for Humanity: Where We Serve in Africa Cote D Ivoire Egypt Ethiopia Ghana Kenya Lesotho Madagascar Malawi South Africa Tanzania Uganda Zambia

7 Habitat for Humanity: What We Do in Africa Historically, Habitat for Humanity focussed mainly on volunteer engagement and construction of affordable homes to low income families. This has expanded to further include: Housing microfinance services Housing of vulnerable groups Community engagement Disaster risk reduction and response Poverty housing related advocacy We believe a more significant impact could be achieved by providing affordable housing opportunities to those in need through our diversified programs.

8 Habitat for Humanity Low income housing related Advocacy

9 Meaning of Advocacy in Habitat for Humanity Habitat for Humanity s Definition of Advocacy: Changing systems, policies and attitudes to achieve decent housing for all By promoting policy and system changes, we aim to have a more significant impact on the housing deficit and low income housing issues in several countries. Currently the following Habitat for Humanity entities in Africa included advocacy in their strategic plans: Cote D Ivoire, Ghana, Lesotho, Malawi, South Africa and Zambia.

10 Global Housing Indicators (developed by HFHI)

11 Some Advocacy issues identified in Africa Title Deeds Backlog Access to HMF Access to Land Advocacy Issues Subsidy Review Revision of Housing Policy Increase in National Housing Budget %

12 For more information on advocacy in Habitat for Humanity: Please feel free to read our Global Advocacy Guide at or contact us at / gsumeghy@habitat.org

13 Habitat for Humanity s Housing Finance and Market Development Strategy in Africa Presented by: Ezekiel Esipisu, HFHI-EMEA

14 Why Access to Housing Finance? Some examples of mortgage market access. Mortgage penetration in Sub Saharan Africa less than 5% Moving into a new home financed by a mortgage is very rare Countries Senegal, Central African Republic, Burkina Faso, Tanzania, Nigeria, Zambia, Cameroun, Ghana, Malawi, Egypt Housing Loans/GDP <1% Uganda, Zimbabwe, Algeria, Burundi 1 2% Rwanda, Botswana, Kenya, Seychelles 2 4% Tunisia (12), Mauritius (12.2), Morocco (16.9), Namibia (19.6) 12 20% South Africa (26.4%) >20%

15 Why Access to Housing Finance? Developing World: Access to Housing Finance

16 HFH Strategy in Africa Work with key housing market actors to develop and expand market based services, products and financing that will lead to improved shelter conditions for low income families. Mobilize investment funds to lend to financial institutions (FIs) that provide housing financial services. Leverage additional funds in loan portfolio from investee FIs for housing financial services. Build partnerships with FIs that provide housing financial products to low income families, including those in urban slums and post disasters areas. Partner with organizations that provide non housing finance market based services to low income families. Provide Institutional Technical Assistance (ITA) to organizations to build their capacity and know how to serve low income families with housing products.

17 Why innovate and expand access in Africa? Compelling reasons for using innovative financing mechanism to provide low income communities communities with housing: Complement the ways the low income households build anyways housing as a verb A people driven process around sustainable livelihoods, rather than a product (house) driven process. Allow for working with those with secure tenure but not title (many of the low income). Through integrated financial services focus on asset building through savings, insurance, credit strategies. Strengthen the HFH services that complement the financing piece and help turn money into house.

18 Mortgage Vs HMF Mortgage Whole house, New House Housing Microfinance Home improvement/ progressive building, Incremental Housing, Home Repair, Productive Housing, Slum Upgrades, Disaster Mitigation year loan 8 months to 3 year loan Bulk disbursement Monthly due date Repayments Title Lien High principle balance, lower interest rate Incremental increases based on performance Smaller Weekly Group Meeting Repayments Secure Tenure Social Guarantee Low balance, higher interest rate

19 Target population Income level High & Medium Near Poor & Poor Very Poor Income source Wage formal Business owner Wage informal Tenure Secure, enforceable Secure, unenforceable Insecure Housing use Purchase: new complete Progressive build, Purchase Existing Addition, extension repairs Instruments Mortgage Insurance Savings HMF

20 HFH Response MB Fund Investment fund established by HFHI focusing on Housing Microfinance Supplies debt capital and technical expertise to microfinance institutions Aims at increasing availability of housing loan products to low-income customers of MFIs Research indicates that up to 20% of micro enterprise loan funds are diverted for housing needs MB helping MFIs expand their services to meet the demand for incremental housing and HIL s Includes piloting HMF products for institutions committed to making HMF an organizational priority MB will foster lasting partnerships with MFIs through capital investment and specialized TA Partners of the MicroBuild Fund will have access to long-term funding and technical assistance according to their needs.

21 Institution Selection Criteria Operationally sustainable or in positive trend. Strong management and good corporate governance. Good portfolio quality. Leverage within reasonable limits. Commitment to fair lending practices. MIX Transparency rating of three diamonds or higher (preferred). Audited financial statements of more than three years. Existing HMF portfolio (committed microfinance institutions without a portfolio can become partners for technical assistance).

22 Loan Terms Loan size US$500,000 to US$5 million (depending on the size of the housing microfinance portfolio, may not exceed 25% of total microfinance institutional liabilities) Tenor Three years or longer Type of investment mostly senior debt Currency US dollars and local currency Interest rates competitive with current rates of international funders Repayment terms half yearly principle payments with a grace period

23 2013/2014 Achievements Provided technical assistance in HMF in several countries (Kenya, Uganda, Ghana, Malawi, Zambia). TA focused on building the capacity of the institutions to be able to develop and roll out HMF products HMF market research, product development, prototype validation, pilot roll out, monitoring pilot, and ultimately product launch TA also involved partner staff training and integration of HMF with housing support services Worked with 13 Financial service providers from these 5 countries providing then both TA and in some instances loan capital via MB fund Out of the 13 partners, only 6 have an active HMF portfolio, the other 7 are in the early phases of technical assistance

24 2013/2014 Achievements (Cont.) Through the partnership with the MFIs, 9,865 clients received loans for home improvement (incremental housing, repairs etc.) worth about $5M The housing microfinance portfolio outstanding for these institutions was about $6.5M Projecting to grow the HMF portfolios within these institutions to between 10 20% of the total portfolio Projecting to increase the partnerships to 17 from the present 13.

25 Habitat for Humanity South Africa Presented by: Crystal West, HFH South Africa

26 "Overcoming poverty is not a task of charity, it is an act of justice. Like slavery and Apartheid, poverty is not natural. It is man-made and it can be overcome and eradicated by the actions of human beings. Sometimes it falls on a generation to be great. You can be that great generation. Let your greatness blossom. - Nelson Mandela

27 Our Paradigm People-Centred, Community Driven Development Participatory development is NOT equal to Consultation. It requires in-depth engagement Despite the sector that we operate it (with construction time frames and targets), our participatory approach is focused on outcomes as opposed to the common rhetoric of delivery of specific outputs Our approach is to empower communities to lead their own development with an emphasis on building sustainable partnerships

28 Communities Bring About Sustainable Change For Themselves Community empowerment is so powerful because Breaks the cycle of poverty Builds local leadership Inculcates active citizenship Boosts education Enhances skills development Extremely cost-effective Replicable and scalable John Bailey Deputy Chairperson: Pelican Park Owners Association.

29 Step 1

30 Sinakho Zwelethemba EPHP: Dordrecht - Eastern Cape

31 Step 2

32 Beneficiaries: Highest Decision-Making Authority Dordrecht Eastern Cape Pelican Park Western Cape

33 Project Steering Committee and Stakeholder Engagements FLTR: 1. Eastern Cape Provincial Department of Human Settlements (DoHS); 2. National DoHS EPHP Directorate; 3. Small Enterprise Development Agency, (SEDA) 4. Habitat SA

34 Step 3

35 Leadership Capacity Building Workshops

36 Step 4

37 Coaching our Beneficiaries

38 Step 5

39 Social scoping includes asset mapping and sustainable livelihoods analysis The process of coproduction of knowledge empowers and capacitates

40 Step 6

41 Brickmakers in Dordrecht

42 Getting the right stakeholders around the table to grow existing assets

43 Artisan Skills Audit for Skills Training Programmes

44 Capacitating Beneficiaries to appoint the Best Construction Service Provider

45 Step 7

46 Leadership leading

47 Partnering in Informal: Settlement Upgrading

48 Kookoo Town: Kensington WC

49 Step 8

50 Continuous monitoring and evaluation

51 Advocacy and Awareness

52 SA postsubsidy?? Title Deeds backlog UISP: As per policy intent? Municipal Capacity Building Advocacy Issues??? Implementation of EPHP GAP Housing Cracks in the Market Implementation of BNG Policy / National Development Plan Planning for Integrated Human Settlements.

53 Habitat Volunteer Builds

54 Nelson Mandela International Volunteer Build Week 2014: Pelican Park WC

55 Habitat for Humanity Zambia Presented by: Joseph S. Munsanje, HFH Zambia Ndola Mungule Lusaka Choma & Livingstone

56 Introduction to HFH Zambia In 1984, Habitat for Humanity Zambia was founded Patron is Dr. Kenneth Kaunda First Republican President Builds simple, decent, affordable houses in partnership with partner organizations, communities and families in need 3,000 housing units constructed to date, serving 50,000 family members served to date

57 HFH Vulnerable Groups Housing Program Goal 1: Build Community Impact Between , Habitat for Humanity Zambia will grow capacity to construct 1,710 with new shelter for vulnerable families, serve 1,210 OVCs and reach 69,430 individuals with housing related incremental services in 60 marginalized communities in 30 districts of Zambia. Strategic Objectives: Serve families through sustainable construction and housing support services Grow capacity to serve the most vulnerable, the disaster-affected and the urbanizing world

58 HFH Zambia OVG program Target: Orphaned and Vulnerable Children (OVC) living in poor housing in the urban and peri-urban areas of Zambia Outcome: OVCs enjoy improved quality of life, improved health, family cohesion, secure tenure and personal safety and dignity.

59 HFH Zambia Strategic Plan housing units that will benefit Orphans and Vulnerable Children (1,410 OVCs served) 109 water points constructed to improve access to clean and safe water to benefit 27,250 people

60 HFH Zambia OVG Program OVERALL PROJECT GOAL: To attain a sustainable improvement in the lives of Orphan and Vulnerable Children in selected impoverished communities in Zambia by PROJECT AIM: To improve the lives of Orphan and Vulnerable Children and their caregivers through the provision of adequate housing, water and sanitation services, the attainment of land tenure rights, facilitation of livelihoods and an increased knowledge and understanding on the prevention, care and treatment of HIV & AIDS

61 Progress to Date Constructed 159 (137+12) new healthy, safe, decent houses and 159 VIP latrines, and 7 water points in five disadvantaged communities Results: 102 new homes constructed (65.15%); occupied by vulnerable families in five marginalised communities (65%w,25%m) 4 water points constructed in two catchment areas (57%). in Lusaka and Ndola by 30 th June 2015.

62 Progress to date (Continued) To advocate for and obtain housing and land tenure rights for 603 women/caregivers: 318 (159 x 2 family members from each household of the new families ( ) and (285 previous families served under Irish Aid Grant ( ) and on inheritance rights and succession planning and will Results: Land rights- 100% of families served (however? Remains with other community members) 2,153 reached with awareness messages Will writing at 28% writing & 4,723 individuals through awareness raising sensitization sessions

63 Progress to date (Continued) Objective 3: To increase the knowledge, awareness and understanding of approximately Results: 2,153 with HIV/AIDS messages including OVC care and support 5,282 community members on HIV/AIDS prevention, treatment, care and support and link 559 families to livelihoods.

64 Overall Program Achievement To-date 819 households caring for OVCs have been served with housing units (447 under the Irish Aid grant funded projects and a cumulative total for the entire program (includes USAID project support).

65 HFH Zambia FY15 Objectives To construct 80 (new homes) healthy, safe, decent housing units complete with Ventilated and Improved pit latrines and wash areas resulting in 320 OVCs benefiting To provide clean and safe drinking water for 250 households (approximately 6,250 individuals beneficiaries) through installation of 25 water points To train 160 individuals in basic house maintenance (do-it-yourself) To train 160 individuals and obtain housing and land tenure rights on succession planning, WILL writing, HIV/AIDS prevention, treatment, care and support for OVCs and facilitate linkages through partners for economic strenghtening To conduct sensitisation sessions reaching 845 individuals from wider community.

66 Advocacy Success Story in OVG Programming 10 partner organizations trained in Advocacy skills 4 working groups formed with the representation of partner organizations to develop advocacy plans focusing on the following themes: Shelter (Land rights and housing) Water and Sanitation Property security (Will writing) Psychosocial and child care 2 advocacy plans on Property security and shelter developed and 2 on the other issues in draft form Two Advocacy working groups executing their plans

67 Advocacy Case Study National- Policy and system change Advocacy Community level Advocacy (Awareness, behaviour and attitude change)

68 Coalition approach in National Advocacy Work

69 Twalumba Zikomo, twansanta, litumezi

70 Questions?

71 Thank you