Graduation theses gives a picture of history housing co-operative and czech legislature represented by the Commercial Code. Solves the problem of small housing co-operatives and chosen problems in accounting of these co-operatives. Practical part analyses economy of cooperative building society in Kladno.

Buying a home is for many households the financially most important purchase they will make. The choice of mortgage instrument is also of importance in that it will determine a household’s financial exposure. In the aftermath of the 2007–2008 financial crisis in the United States, the potential consequences for borrowers and the financial system became apparent in many countries. Even though the choice of mortgage is described as a very complex transaction, international studies have found that borrowers are less than optimally knowledgeable about the possible future consequences of their choice. This lack of knowledge has raised concern and prompted calls for more research on differences between mortgage markets and factors affecting consumers’ mortgage choice. This thesis answers this call by empirically exploring the Swedish case and by offering an expanded knowledge about factors that influence borrowers’ mortgage choice. The thesis consists of five papers, and, in most cases, interviews and questionnaires were used to collect the data, depending on which type of data collection was considered best suited to serve the purpose of the individual paper. A close reading approach was also applied in one of the papers. The findings indicate that in a Swedish setting, there are factors affecting borrowers’ mortgage choice that have not previously been fully explored in the literature: the media and bank advisors. During the period studied, a negative correlation existed between the media and the choice of fixed rate mortgages, whereas a positive correlation existed between bank advisors and the choice of fixed rate mortgages. The study on advice given by a bank advisor also shows the advocacy of a mix of fixed and adjustable mortgage rates. Further findings corroborate those of earlier international studies, such as the impact of income, education, financial literacy and loan-to-value ratios on mortgage choice. A general conclusion that can be drawn from the findings in the Swedish context is that the most financially vulnerable borrowers—those with lower income, lower education and/or higher loan-to-value ratios—are more likely to choose higher levels of fixed rate mortgages (or lower levels of adjustable rate mortgages). In doing so, they avoid exposing themselves to liquidity problems, which can be caused by increasing mortgage rates, and make future mortgage expenditures more predictable. These findings contradict much of the concern that both scholars and financial authorities have expressed about households’ choice of mortgage instrument. Hence, these findings are of importance not only to research on mortgage choice but also to policymakers and the financial industry. / <p>QC 20130924</p>

This thesis examines the potential of housing co-operatives to provide adequate housing for women, focusing on the context of Nairobi, Kenya. The limitations of the current approaches to housing provision in Kenya are discussed, along with their gendered implications. A review of the potential benefits which housing co-operatives provide for women is conducted. As part of this examination, a multi-scalar analysis of the housing co-operative sector in Kenya illuminates the role of gender mainstreaming policies and their role in addressing discrimination and inequality in the housing sector in Kenya. A case study of Rooftops Canada’s gender mainstreaming work in Kenya is used to provide examples of gender mainstreaming work being undertaken in the housing co-operative sector. This case study also provides insight into the role of international donors in gender equality work in Kenya’s housing co-operative sector.

This thesis examines the potential of housing co-operatives to provide adequate housing for women, focusing on the context of Nairobi, Kenya. The limitations of the current approaches to housing provision in Kenya are discussed, along with their gendered implications. A review of the potential benefits which housing co-operatives provide for women is conducted. As part of this examination, a multi-scalar analysis of the housing co-operative sector in Kenya illuminates the role of gender mainstreaming policies and their role in addressing discrimination and inequality in the housing sector in Kenya. A case study of Rooftops Canada’s gender mainstreaming work in Kenya is used to provide examples of gender mainstreaming work being undertaken in the housing co-operative sector. This case study also provides insight into the role of international donors in gender equality work in Kenya’s housing co-operative sector.

This thesis examines the potential of housing co-operatives to provide adequate housing for women, focusing on the context of Nairobi, Kenya. The limitations of the current approaches to housing provision in Kenya are discussed, along with their gendered implications. A review of the potential benefits which housing co-operatives provide for women is conducted. As part of this examination, a multi-scalar analysis of the housing co-operative sector in Kenya illuminates the role of gender mainstreaming policies and their role in addressing discrimination and inequality in the housing sector in Kenya. A case study of Rooftops Canada’s gender mainstreaming work in Kenya is used to provide examples of gender mainstreaming work being undertaken in the housing co-operative sector. This case study also provides insight into the role of international donors in gender equality work in Kenya’s housing co-operative sector.

This thesis examines the potential of housing co-operatives to provide adequate housing for women, focusing on the context of Nairobi, Kenya. The limitations of the current approaches to housing provision in Kenya are discussed, along with their gendered implications. A review of the potential benefits which housing co-operatives provide for women is conducted. As part of this examination, a multi-scalar analysis of the housing co-operative sector in Kenya illuminates the role of gender mainstreaming policies and their role in addressing discrimination and inequality in the housing sector in Kenya. A case study of Rooftops Canada’s gender mainstreaming work in Kenya is used to provide examples of gender mainstreaming work being undertaken in the housing co-operative sector. This case study also provides insight into the role of international donors in gender equality work in Kenya’s housing co-operative sector.

Escalating global warming-induced cloudbursts and intense precipitations are already causing an increase of material damages in Sweden. Flooding is therefore one of the main focus pointsin Sweden’s national strategy for climate adaptation. Studies of climate adaptation in the built environment and among private property owners are however lacking in Sweden, compared to the public sector and new construction. Housing co-operatives are a private property owner important to understand since this form of ownership currently are growing exponentially in Sweden, and co-operatives are predicted to not be engaged in flood risk reduction work. While individual homeowners have previously been studied, housing co-operatives have only been studied once in this field, and there are therefore large knowledge gaps. This study consists of a qualitative interview study of seven Swedish Riksbyggen housing co-operatives.This study shows that as information surrounding flooding and adaptation was not communicated to co-operatives, housing co-operatives’ adaptation, as well as their awareness and perceptions of various factors, and perceptions of risk, coping, and incentives, is largely based on risk experience. Moreover, due to this lack of information, the interviewed chairpersons’ perceptions of risk, coping, and incentives are found low. More targeted support and communication related to climate adaptation is identified as needed. Risk perceptionappeared to increase with more local risk information, and especially the social consequences should be highlighted. The perceived coping and incentives for proactive adaptation wouldlikely increase with more awareness of easier and cheaper measures which generates other financial and social benefits.

The goal of this thesis is to identify strategies that promote resident empowerment, involvement and cooperation in housing co-operatives that can be applied to mixed-income developments in order to bridge social capital. Numerous American policy makers, housing professionals and planners support the development of mixed-income housing to address the social and economic isolation of low-income, urban citizens living in public housing. Social capital, or social relationships developed from social networks, is an anticipated result of physically integrating individuals of varying income levels in the same housing environment. Despite efforts for integration, numerous studies have found that limited interaction occurs across class in many mixed-income housing developments, which hinders the development of social capital. Some literature points to empowerment, involvement and cooperation as methods of helping bridge social capital in mixed-income housing. Bridging social capital refers to building relationships among people who are demographically dissimilar to one another, such as in age, race or socioeconomic status. In an effort to learn how to bridge social capital through empowerment, involvement and cooperation, the housing co-operative model is analyzed. This research analyses six housing co-operative case studies. The data collected is from websites, published documents, newsletters and other literary sources provided by the co-ops and informal telephone conversations with co-op management staff. The findings indicate that housing management plays a vital role in promoting empowerment, involvement and cooperation. Recommendations include mixed-income housing management encouraging residents to develop and contribute personal skills to accomplish housing goals; housing management soliciting ideas from residents regarding projects or activities that they desire to be involved in; and housing management facilitating group tasks where residents can collectively achieve a goal such as creating a community garden or creating a mural that reflects various cultures or values of residents.

Co-operatives and housing co-operatives as main consideration of the dissertation are historically and philosophically developed institutions. Co-operative culture, although emerged in Britain during early phases of the industrial revolution, has been adapted by other countries within socialist, social democratic and even communist systems. In the contemporary era, housing co-operatives are still in existence and contribute housing production all over the world in every economic and political system. Institutional development of housing co-operatives in Turkey can be regarded as a process of adapting a Western institution and it shows how contextual differences result in changes in terms of ideology and implementation. In this respect, the thesis aims to evaluate Turkish housing co-operatives by putting forward their contextual differences. Housing co-operatives are non-governmental organizations and produce considerable amount of housing in Turkey. The dissertation regards housing co-operatives as a kind of collective action and discusses underlying factors of success of them with respect to collective action theories. Free riding, group size, critical mass, heterogeneity, network density and selective incentives are the factors obtained from the Theory of Free Rider and the Theory of Critical Mass and discussed regarding the Turkish co-operative development case to be tested via &ldquo / The Housing Co-operatives Interview Survey&rdquo / in istanbul and Ankara. The thesis&rsquo / findings provide that despite there might be expected effects of factors on success of housing co-operatives, these factors might be different due to the fact that they depends on desires of the critical mass / whether to act in favor of collective or individual benefits.

Extrema skyfall till följd av klimatförändringar blir att vanligare och när de inträffar riskerar de att leda till urbana översvämningar. Den ökade frekvensen av skyfall är anledningen till att urbana översvämningar har lyfts som ett problem i svensk lagstiftning. Enansvarsproblematik har identifierats i relation till detta, då fastighetsägare inte är medvetna om sitt eget ansvar och därför inte anpassar sina bostäder. En kunskapsbrist bland fastighetsägare samt uppfattningen om deras exponering och utsatthet har identifierats som grunden bakom denna problematik. Sommaren 2021 inträffade ett skyfall i Gävle vilket ledde till omfattande översvämningar. Många fastighetsägare drabbades, däribland bostadsrättsföreningar. Hur bostadsrättsföreningar påverkas och resonerar kring översvämningar är ett relativt outforskat forskningsområde i svensk kontext. Av den anledningen blev därför syftet med denna studie att undersöka föreningarnas uppfattning om risk och anpassning. Detta genom att studera ordföranden inom föreningarnas uppfattning om utsatthet, sårbarhet samt möjlighet till hantering i relation till översvämningen. För att ta reda på detta genomfördes semistrukturerade intervjuer. Resultaten visar på att föreningarna har fått en något högre riskuppfattning kopplat till översvämning. I kontrast till tidigare studier kan respondenterna även identifiera ett samband till klimatförändringar. Den faktor som främst påverkade föreningarnas anpassningsförmåga negativt var att det rådde en utbredd kunskapsbrist inom föreningarna. Det finns därmed ett fortsatt stort behov av en ökad kunskap och vägledning från externa aktörer. / Extreme cloudbursts due to climate change are increasing and when these events occur urban flooding is a potential consequence. This is the reason urban flooding has been addressed in the Swedish legislation, at a national level. However, liability issues have been identified, as property owners are not fully aware of their responsibility and therefore neglect adaptation. A lack of knowledge has been identified as the main reason, as well as perception of risk. In the summer of 2021, cloud bursts struck Gävle and caused substantial urban flooding. Many housing co-operatives were affected. Housing co-operatives and how they are affected by flooding is a relatively unexplored research area in a Swedish context and therefore the purpose of this study became to: analyze how experiences of flooding has affected housing co-operatives' perception of risk and adaptation by exploring chairmans perceptions of exposure, vulnerability and flood risk management. Semi structured interviews were performed with chairmans within the boards of the housing co-operatives. The results proved there had been a slight increase in flood risk awareness. The respondents were also able to connect the flood with climate change. However, a large lack of knowledge negatively affects the adaptive capacity of the housing co-operatives. The need for further knowledge and guidance from external actors is therefore large. / Stöd för aktörssamverkan och mångfunktionell anpassning av bostadsområden