A research report submitted to the Faculty of Commerce, Law and Management, University of the Witwatersrand, in partial fulfilment of the requirements for the degree of Master of Management in the field of Public and Development Management, MM(P&DM), 2016 / The South African government has been faced over time with the triple challenges of inequality, poverty and unemployment. Social ills such as poverty and unemployment can lead to situations where low income earners or unemployed citizens are unable to afford decent housing and adequate living standards, resulting in people living in slum conditions or sub-standard housing conditions. The problem of insufficient housing is an international phenomenon from which South Africa is not exempt. South Africa promulgated the Housing White Paper (which includes provision for social housing) in 1994 in an attempt to deal with the challenges of the housing problem. The Reconstruction and Development Programme (RDP is a low-cost housing programme aimed at providing decent housing for poor citizens. The country continues to be challenged by an increase in the demand for housing. Research conducted on RDP housing revealed that there are a number of problems associated with the provision of RDP housing. These include the poor quality of many of the houses, lack of communication, and the duplication of functions of stakeholders. These challenges require government improvement in order to provide decent housing to citizens. / XL2018

A research report submitted to the Faculty of Engineering and the Built Environment at the University of the Witwatersrand, in partial fulfilment of the requirements for the degree of Master of Built Environment (Housing) / A research report submitted to the Faculty of Engineering and the Built Environment at the University of the Witwatersrand, in partial fulfilment of the requirements for the degree of Master of Built Environment (Housing) / In South Africa, there is a group of families that live in small four-room houses that were transferred to them by the apartheid regime in 1978. As elsewhere in the developing world, many of these families are extended families which live together because they do not have any other options. This study explores the housing needs and living conditions of the Ndala family and three other extended families living in or near Pimville, Soweto. Structured interviews, observations and evaluation research are utilised to determine the extent to which poor extended families in South Africa are excluded from housing finance. Literature discussing self-help housing, livelihoods, poverty and enablement is presented in order to construct a theoretical framework, after which an overview of housing finance arrangements in the developed world, developing countries and South Africa in particular provides the backdrop against which the findings are discussed. The findings and analysis demonstrate that extended families such as those included in the study fall into a gap in the provisioning of housing finance in South Africa. They do not qualify for government housing assistance, and they also cannot obtain loan finance from banks because they do not meet the strict lending criteria. As a result, the extended families turn to non-conventional sources of income and finance such as rental income, loans from relatives and stokvel funds in order to survive and in some cases extend their houses. It is recommended at the end of the study that South Africa review its current housing policies. Specifically, the study recommends that a new strategy called “rent a room” be put into place in order to assist poor extended families like the Ndalas.

International debates in the field of development have redefined housing as sustainable housing. Thus, housing no long refers to the delivery of physical products. The introduction of the concept of sustainability has far reaching consequences for the delivery of housing, which now amounts to the creation of viable communities. Moreover, the delivery of housing now takes place within the context of a policy framework that is indicative of a complete reversal of past policies towards developmentally-oriented, integrated approaches aimed at bringing about the long term sustainability of a vibrant and organic civil society. Significantly, the conception of housing as a process prioritises community control of projects at the local level with the assistance of external role players. Unfortunately, this long awaited component of housing projects is often marred by capacity constraints on the part of beneficiary communities who cannot participate and lor negotiate with other stakeholders in the delivery of housing. Therefore, the level at which this investigation is focused is on the mediation of community participation by all the relevant stakeholders in order to unravel the influence that this has on the quality of the housing products that are received. In this respect, an inquiry into the concepts of participation is tested against a case study of a community involved in a housing project and concludes that community participation is indeed mediated by many role players and that their influence has a determining effect on the quality of the social and physical products received. / Thesis (M.Sc.U.R.P)-University of Natal, Durban, 1996.

This dissertation explores renewable energy strategies for low-income housing in South Africa using several case studies from the City of Cape Town and surrounding areas. The paper engages with the background and theories underpinning renewable energy for low income housing, analysing the key literature and focusing on renewable energy policies and current research in Cape Town, South Africa. It attempts to analyse the implications of current policy, the practical implications of renewable energy in low income housing developments and the conflicts that can occur between environmental and poverty interventions. The research for this paper involved face to face interviews with individuals working in the renewable energy for low income housing field or exposed to projects of this type. From these interviews it emerged that renewable energy interventions in housing can more significantly reduce environmental impact when applied in middle and upper income housing developments. but also that particular kinds of renewable energy and energy efficiency interventions are suitable for low income housing developments. It became clear that the role of the town planner is central in ensuring the success of renewable energy projects, and that political will is also a key factor. / Thesis (M.T.R.P.)-University of KwaZulu-Natal, 2007.

"A significant number of households in need of housing in South Africa can afford to access housing credit, provided that this is available. Such credit is currently not readily accessible by most of such home seekers. Unlocking housing credit is therefore seen as a fundamental requirement in order to facilitate the ongoing improvement of the housing circumstances of such households" (Housing White Paper, 1994). Restricted access and unavailability of housing end-user finance is one of the critical challenges which faces the government in general, and the Department of Housing in particular. Access to end-user finance is limited due to many reasons which the study will identify. This study primarily looks at the access and availability of housing end-user finance to the low income earners. Basically it attempts to explore the impact of Non-Traditional Lenders in the provision of end-user finance to the poor. Non-traditional lenders refer to any lender who is not a traditional retail finance lender/company. The study looks at the National Housing Finance Corporation (NHFC) and the National Urban Reconstruction and Housing Agency's (NURCHA) attempts to mobilise housing credit. It closely pays special attention to the strategies used to mobilise the much-needed credit, their impact and the problems they encounter. This is done with the sole purpose of establishing whether or not it is possible to extend their scope to cater for the low income housing market. To realise this purpose, the study follows the path undertaken by these two institutions in terms of impacting to the poor. Agishana Credit Company's activities were investigated in order to determine Nurcha's impact, and Ithala Development Finance Corporation for the NHFC. Further, a path will be established to determine the impact of these retail lenders on the poor. Thus, Pioneer Park housing project is surveyed to determine Ithala's lending activities as well as Thembalihle (Glenwood 2) housing project for Agishana. It is paramount to indicate that both the NHFC and Nurcha do not lend to a man on the street, but deal with retail lenders. In essence, the NHFC attempts to open the floodgates of housing credit by funding intermediary lenders that on-lend to individual beneficiaries, while on the other hand, Nurcha guarantees activities by these intermediary lenders. This study is divided into five chapters. Chapter one broadly gives an overview of problems regarding access and availability of housing end-user finance and also outlines the research methodology employed. Chapter two identifies and discusses the different housing delivery systems, as well as gives a vivid picture on the functioning of non-traditional lenders. It provides both international and national experiences that proves that it is feasible to provide housing loans to the poor. Chapter three aims at offering historical background of the four institutions. It identifies their missions, sources of funds, nature of clientele, key activities and the strategies they employ with regards to defaults. Chapter four provides the finding and analysis of the surveys conducted. Firstly, a brief background of the case study areas is outlined. Then findings of the study reveal that it is safe to lend to low income households. This proves that there is a potential to successfully lend to this market without running at a loss. Chapter five is a summary of the research findings, conclusions and recommendations. The findings of the study point out that there is a place for provision of housing credit to the poor. To that end, the study recommends that, what is needed to significantly provide housing loans to this market is the amalgamation of the NHFC and Nurcha's activities; establishment of more lending institutions; encouragement of savings for housing purposes; as well as commitment to innovatively devise and introduce new lending products to cater for this market, which is equally met with strategies to level the play field in terms of legislation so that lending institutions can participate in this housing market at scale. / Thesis (M.Arch.)-University of Natal, 2000.

The study explores the factors hampering the growth of a sustainable lower middle income (LMI) housing market. The LMI group includes members of the working class who earn between R3,500 and R7,000 per month. The motivation for the research followed an observation made in 2003, that the policies of both the Department of Housing and the traditional banking system excluded this income category from accessing housing assistance. However, during the course of the study, the state started extending subsidy assistance to this income group, through the Breaking New Ground (BNG) policy. The study employed oral and written data collection methods. The housing market participants was divided into three broad categories, namely, demand side participants, supply side participants and the housing market facilitators. Interviews were conducted with both supply side participants and facilitators. On the demand side a questionnaire survey was conducted to establish the experiences of households in respect of the home acquisition process. The research findings revealed that LMI households require a housing typology which is described as a two bedroom detached starter house, within close proximity to a public transport system, and other community facilities for ease of accessibility. The data showed that the LMI households required financial education before getting involved in the home acquisition transaction. In addition, it emerged that professional services offered by the estate agents were not being fully utilized by the LMI households simply because the households were not aware of the responsibility of the agents in the home acquisition transaction process. It is maintained that the LMI housing market is inundated with multi-faceted hurdles from both intrinsic and extrinsic sources. The intrinsic sources include household character, past experiences amongst others, while the extrinsic sources comprise housing stock availability, loan approval criteria, etc. These hurdles require both long and short term interventions addressing the convoluted home acquisition process which involves various facilitators and a costly immovable product. In conclusion, it is recommended that demand side home ownership education is necessary, whereby LMI households are prepared for the home acquisition process. On the supply side long and short term interventions are recommended towards creating enabling environments for the supply of starter houses located close to neighbourhood facilities particularly a reliable transport network. / Thesis (M.Housing)-University of KwaZulu-Natal, Durban, 2009.

<p>In this report, housing development and perticipation of communities are examined. Although houses have been build in certain areas of Khayelitsha , there is a slow delivery and there is a lack of public involvement in housing programme to decide about the future of the community. In order for any development to be sustainable it must be driven by affected people with a sense of ownership being engendered to them. This holistic approach for housing development is in line up with the current government policy on the matter.</p>

Masters in Public Administration - MPA / In this report, housing development and perticipation of communities are examined. Although houses have been build in certain areas of Khayelitsha , there is a slow delivery and there is a lack of public involvement in housing programme to decide about the future of the community. In order for any development to be sustainable it must be driven by affected people with a sense of ownership being engendered to them. This holistic approach for housing development is in line up with the current government policy on the matter. / South Africa

Dakhil, Ural, & Tewfik (1987) noted that majority of people particularly in the developing world live in poverty and as a result, the acquisition of proper housing is becoming a major problem. Dakhil, Ural, & Tewfik (1987) explained that, after the Second World War, many developing countries gained independence and due to political and economic reasons, population exodus in different parts of the world occurred. This coupled with the ever increase in the population growth has contributed to increasing the housing problems in these part of the world. This problem has led governments, private sector and scholars alike to devote time to searching for mechanisms and policies that would lead to the construction of proper dwellings at a cost that would be within the reach of all concerned especially the poor and needy (Malpass & Murie, 1990). Within South Africa, an example of such policies is the social housing policy. Social housing is a relatively new concept in South Africa (SA) (Du Preez & Sale, 2013). The aim for its development is first, to restructure SA societies in order to address structural, economic, social and spatial dysfunctions and secondly, to improve and contribute to the overall functioning of the housing sector in order to widen the range of housing options available to the poor (Department of Local Government and Housing, DLGH, 2005). The purpose of this study was to examine the feasibility of a Social Housing Project, the Walmer Links Development, as an affordable and quality housing option for low income earners in the Nelson Mandela Bay Metropolitan.

Thesis (MBA (Business Management))--University of Stellenbosch, 2009. / ENGLISH ABSTRACT: Section 26 of the Constitution of South Africa states that all South Africans should have the basic right of access to adequate housing. The task of housing the people of South Africa is the responsibility of the state, who is empowered to utilize all legislative and economic resources at its disposal, in order to achieve this right to housing in all forms. Though the state has mobilised resources and manpower to achieve these objectives, many challenges remain in the facilitation and provision of adequate affordable housing. These challenges relate to the understanding of the complex legislative systems and mechanisms governing the delivery of housing in this country. The functions of various tiers of government and the interventions designed to alleviate the housing backlog are increasingly becoming less effective. The involvement of the private sector in the delivery of sustainable integrated affordable housing is therefore crucial as this enormous challenge cannot be achieved by the government alone. These challenges are numerous and diverse and this study highlights the main structural issues to which both the public and private sectors are exposed to. This relates to availability of land, affordability, subsidy constraints, access to funding and the limitations of development planning. The aim of this study is to determine how this range of challenges is affecting the delivery of sustainable integrated affordable housing. A survey of leading developers in the Western Cape has been conducted to determine the main factors which are retarding and hampering progress. The findings of the study reveals that government interventions in the housing sector though marginally progressive, are not conducive to alleviating the structural problems in this environment. As a result the ability of private sector developers to perform in this market is eroded due to the unsustainable and complex problems associated with this environment. As the need for housing grows, a greater awareness and understanding of the problems and challenges associated with the delivery of sustainable integrated affordable housing is needed to provide a platform for the creation of adequate housing in this country. AFRIKAANSE OPSOMMING: Artikel 26 van die Grondwet van Suid-Afrika stel dat alle Suid-Afrikaners die reg op toegang tot geskikte behuising het. Die taak van die behuising van die mense van Suid-Afrika is die verantwoordelikheid van die staat, wat toegerus is om alle wetgewende en ekonomiese hulpbronne tot sy beskikking te gebruik om hierdie reg tot behuising in al sy vorme te verwesenlik. Alhoewel die staat hulpbronne en mannekrag gemobiliseer het om hierdie doelwitte te bereik, bestaan daar steeds vele uitdagings in die fasilitering en verskaffing van geskikte en bekostigbare behuising. Hierdie uitdagings het betrekking op die begrip van die komplekse wetgewende stelsels en meganismes wat die lewering van behuising in hierdie land beheer. Die funksies van verskeie vlakke van regering en die intervensies wat ontwerp is om die behuisingsagterstand te verlig, raak al hoe minder effektief. Die betrokkenheid van die privaatsektor in die lewering van volhoubare, geïntegreerde en bekostigbare behuising is kritiek omdat die regering nie hierdie enorme uitdaging alleen kan verrig nie. Die uitdagings is talryk en divers, en hierdie studie werp lig op die vernaamste strukturele kwessies waaraan beide die openbare en privaatsektore blootgestel word. Dit het betrekking op die beskikbaarheid van grond, bekostigbaarheid, subsidiebeperkings, toegang tot befondsing en die tekortkominge van ontwikkelingsbeplanning. Die doel van hierdie studie is om vas te stel hoe hierdie reeks uitdagings die lewering van volhoubare, geïntegreerde en bekostigbare behuising affekteer. ’n Opname van toonaangewende ontwikkelaars in die Wes-Kaap is gemaak om vas te stel wat die hooffaktore is wat vordering vertraag en belemmer. Die bevindinge van die studie onthul dat regeringsintervensies in die behuisingsektor, hoewel marginaal progressief, nie bevorderlik is vir die verligting van strukturele probleme in hierdie omgewing nie. Gevolglik word die vermoë van die privaatsektor-ontwikkelaars om in hierdie mark te slaag, verweer weens die onvolhoubaarheid en komplekse probleme wat met hierdie omgewing gepaard gaan. Soos die behoefte aan behuising groei, word ’n groter bewustheid en beter begrip van die probleme en uitdagings, wat gepaard gaan met die lewering van volhoubare, geïntegreerde behuising, benodig om ’n platform daar te stel vir die skepping van geskikte behuising in hierdie land.