Thesis (M.C.S.)--Regent College, 2000. / Abstract and vita. Includes bibliographical references (leaves 78-81).

By using transaction data of sold cooperative apartments in the municipality of Stockholm,Sweden, during the year 2021, we find that leasehold status has a statistically significant impacton apartment prices in the inner city of -3.6% and in the outer city of -6.8% when controllingfor conventional apartment characteristics and location in a hedonic model. We also find theremaining time of the ground leasehold contract to have a statistically significant impact of0.42% per additional year that remains until renegotiation. We also find that the impact ofground leasehold differs depending on location. Further, we find that freehold transactionswould impact the prices of apartments differently in the inner city compared to the outer city.Consequently, the necessary increases in the monthly fees to enable a freehold transaction aregreater in the inner city compared to the outer city in average in a scenario analysis. We add toprevious research by using more recent data and a wider geographical area. Last, we simulatethe impact on apartment prices if a housing cooperative bought the land. We find considerablevariation among housing cooperatives on leased land, for when a purchase would be profitable. / Med hjälp av transaktionsdata av sålda bostadsrättslägenheter i Stockholms kommun, Sverige,under år 2021 finner vi att tomträttsstatusen har en statistiskt signifikant påverkan pålägenhetspriser i innerstaden om -3.6% och i ytterstaden om -6.8% när vi kontrollerar förkonventionella attribut och läge i en hedonistisk modell. Vi finner även att den kvarvarandetiden på tomträttsavtalet har en statistisk signifikant påverkan om 0.42% per kvarvarande år tillomförhandling av tomträttsavtalet och att påverkan av tomträttsstatusen varierar beroende påläge. Vidare finner vi att friköp påverkar bostadsrättspriserna olika i innerstaden och iytterstaden samt att den nödvändiga höjningen av månadsavgiften vid friköp, i snitt är högre iinnerstaden jämfört med ytterstaden genom en scenarioanalys. Genom att använda data från ensenare tidperiod och större geografiskt område, tar vi vid där tidigare studier lämnat.Scenarioanalysen bidrar ytterligare till kunskapen i området genom att simulera effekten pålägenheter av att bostadsrättsföreningen köper marken. Vi finner stor variation i hur lönsamtett köp skulle vara.

Det finns många faktorer som påverkar värdet för en bostadsrätt. Det kan vara allt ifrånvar den ligger och hur den ser ut, till fysiska egenskaper som balkong eller ett nyrenoveratkök. Det som definierar bostadsrätter är att de ägs av så kallade bostadsrättsföreningar. Engod ekonomi i föreningen resulterar i en bra boendekostnad för varje boende. Ombostadsrättsföreningen däremot besitter ekonomiska problem, kan det leda till negativakonsekvenser för den enskilde bostadsrättsinnehavaren. Med tanke på detta börbostadsrättsföreningens ekonomi påverka bostadsrättens värde. Studien syftar därför till attbidra med kunskap om bostadsrättsföreningens ekonomi som värdepåverkande faktor ochställa betydelsen av den mot övriga värdpåverkande faktorer för en bostadsrätt.Empiri har samlats in och analyserats med hjälp av kvalitativa intervjuer medfastighetsmäklare i Sverige. Resultatet visar att majoriteten av fastighetsmäklarna inte anseratt bostadsrättsföreningens ekonomi är en avgörande faktor för bostadsrättens värde.Resultatet visar också att kunskapen och intresset bland kunderna på marknaden är låg närdet kommer till bostadsrättsföreningens ekonomi. En slutsats utifrån studien är därmed attden svaga kunskapen på marknaden ligger till grund för att bostadsrättsföreningensekonomi inte anses som en avgörande värdepåverkande faktor. / There are a lot of factors affecting the value of a condominium. It can be everything fromwhere it is located and how it looks to physical assets as a balcony and a newly renovatedkitchen. The main idea and what defines the condominiums is the fact that they are ownedby housing cooperatives. Therefore, a good economy in the housing cooperative providesa favourable housing cost for the individual resident. On the other hand, economicalproblems in the housing cooperative can lead to negative implications on the economy ofthe individual resident. With this in mind, the economy of a housing cooperative shouldaffect the value of the single condominium.Therefore, the aim of this study is to contribute knowledge about the housing cooperativés economy as a value-influencing factor and compare the importance of it with otherfactors affecting the value of a condominium.The empiric of this study has been collected and analyzed through qualitative interviewswith brokers in Sweden. The interviews indicate that the majority of the brokers does notconsider the housing cooperative ́s economy as an important value-influencing factor. Theempiric also shows that there is a lack of knowledge and interest by the clients regardingthe economy of the housing cooperative. Therefore, a conclusion made in this study is thatthe reason why the housing cooperative ́s economy is not seen as a value-influencing factorby decisive nature is due to the lack of knowledge by the clients on the market.

Thesis (MPA (Public Management and Planning))--University of Stellenbosch, 2010. / ENGLISH ABSTRACT: Co-operatives as a form of business have a long history in South Africa. The successes of agricultural co-operatives are well known. Housing co-operatives, however, are a relatively unfamiliar concept as a form of business to provide tenure, and for those who are involved in it, a frustrating and long process to obtain housing. This study examined the issue of housing co-operatives as part of addressing the housing crisis in South Africa taking into consideration that this specific model (housing development co-operatives) does not fall under the Social Housing sector anymore. It involves a comprehensive literature study of the history of co-operatives internationally and in South Africa as well as analysing different models implemented internationally and in South Africa; a review of legislation; policies affecting housing co-operatives; analysis of data and information and surveys of housing co-operatives. The specific aims of the research were: • To determine the different models of successful housing development cooperatives internationally; • To determine the viability and sustainability of housing development co-operatives in Third World Countries; • To determine the current status of the registered housing co-operatives in South Africa; • To determine the different models implemented in South Africa; • To evaluate the housing development co-operative sector in South Africa; • To determine the viability and sustainability of a registered housing development co-operative in Cape Town, (Ilinge Labahlali Housing Co-operative, Nyanga, Cape Town, South Africa); and • To determine the challenges faced by the co-operative and how they foresee these challenges being overcome. The study followed a survey design, including both qualitative and quantitative aspects. The qualitative approach related to the views and opinions of co-operative members with regards to the socio-economic impact that the co-operative have had and the quantitative approach relates to statistical and measurable data obtained from the Department of Trade and Industry in terms of a number of variables such as: type of co-operatives, categories indicated and Province representation. For the purpose of this study, only housing co-operatives were contacted and research was conducted on the state of housing co-operatives and if each housing co-operative meet the selection criteria of the Housing Development Co-operative Model. In critically assessing housing co-operatives in South Africa, it was determined that the unacceptable level of support from all three tiers of Government, was the prime problem experienced by housing co-operatives. Several reasons can explain this, the most prominent as follow: 1. The Department of Trade and Industry’s lack of proper record keeping and administration; 2. Housing development co-operatives do not benefit from the Social Housing sector in South Africa; 3. Department of Housing’s lack of knowledge with regards to the housing cooperative sector; 4. No synergy between different Government departments with regards to housing cooperatives; 5. Municipalities do not have the know-how regarding co-operatives and/or display an unwillingness to assist housing co-operatives; 6. Housing co-operatives established by outside agencies/Government departments receive no follow-up and support; 7. No proper Government housing co-operative department focusing on housing delivery with the necessary knowledge and support mechanisms in place. It is clear that in the late nineties, the co-operative principle was promoted by the Department of Housing, Social Housing Foundation and community workers alike as the new brain child of international agencies (Rooftops Canada, Norwegian Government, Swedish Government) to secure housing for communities building on the concept of “ubuntu”. Afterwards the emphasis were shifted to Social Housing Institutions and rental tenure and the few housing co-operatives registered, were left in the cold with no support structures available to them. With no support from international agencies, national-, provincial- and local Government the future of these housing co-operatives are bleak. Co-operative members are community driven, but without the necessary capacity-building and institutional support, community members become despondent and the co-operative principles of “working together to achieve more” are seen as just another scheme which failed in the delivery of housing. This study found that the grass root housing co-operative with the support of all levels of Government can be successful providing that community structures such as saving groups and hostel committees are in place. / AFRIKAANSE OPSOMMING: Koöperasies as bedryfsvorm het ’n lang geskiedenis in Suid-Afrika. Die welslae van landboukoöperasies is wel bekend. Behuisingskoöperasies is egter ’n relatief onbekende konsep as bedryfsvorm om eiendomsreg te verskaf en vir diegene wat daarby betrokke is, is dit ’n frustrerende en uitgerekte proses waarvolgens behuising bekom kan word. Dié studie het die behuisingskoöperasie-aangeleentheid as deel van die aanspreek van die behuisingskrisis in Suid-Afrika onder die loep geplaas met inagneming daarvan dat hierdie spesifieke model (ontwikkelingsbehuising-koöperasies) nie meer onder die Maatskaplike Behuisingsektor ressorteer nie. Dit het ’n omvattende literatuurstudie van die geskiedenis van koöperasies internasionaal en in Suid-Afrika behels, asook ’n analise van verskillende modelle wat internasionaal en in Suid-Afrika toegepas word; ’n oorsig van relevante wetgewing; beleidsrigtings wat behuisingskoöperasies raak; analise van data en inligting, en opnames van behuisingskoöperasies. Die spesifieke doelwitte van die navorsing was: • Om die verskillende modelle van geslaagde ontwikkelingsbehuising-koöperasies internasionaal te bepaal; • Om die lewensvatbaarheid en volhoubaarheid van ontwikkelingsbehuisingkoöperasies in lande van die Derde Wêreld te bepaal; • Om die huidige status van die geregistreerde behuisingskoöperasies in Suid-Afrika te bepaal; • Om die verskillende modelle wat in Suid-Afrika toegepas word, te bepaal; • Om die behuisingsontwikkeling-koöperasiesektor in Suid-Afrika te evalueer; • Om die lewensvatbaarheid en volhoubaarheid van ’n geregistreerde behuisingsontwikkeling-koöperasie in Kaapstad (llinge Labahlali Behuisingskoöperasie, Nyanga, Kaapstad, Suid-Afrika) te bepaal, en • Om die uitdaging wat deur die koöperasies in die gesig gestaar word, te bepaal en hoe daar gemeen word dié uitdaging te bowe gekom gaan word. Dié studie is aan die hand van ’n vooropgestelde opnamepatroon uitgevoer wat kwalitatiewe en kwantitatiewe aspekte ingesluit het. Die kwalitatiewe benadering was gerig op die sieninge en menings van koöperasielede met betrekking tot die sosioekonomiese impak van die koöperasie, en die kwantitatiewe benadering het te make gehad met die statistiese en meetbare data rakende ’n aantal veranderlikes, soos soorte koöperasies, aangeduide kategorieë en provinsiale verteenwoordiging, wat van die Departement van Handel en Nywerheid bekom is. Vir die doel van hierdie studie is daar net met behuisingskoöperasies geskakel en navorsing is gedoen op die stand van behuisingskoöperasies en of iedere so ’n koöperasie aan die keuringskriteria van die model van die ontwikkelingsbehuising-koöperasie voldoen. Na kritiese beskouing van behuisingskoöperasies in Suid-Afrika, is daar vasgestel dat die onaanvaarbare mate van ondersteuning wat van die drie vlakke van regering ontvang word, die vernaamste probleem is waarmee behuisingskoöperasies te kampe het. Onder die talle redes wat as verduideliking kan dien, is die volgende die mees prominente: 1. Die Departement van Handel en Nywerheid se gebrek aan deeglike rekordhouding en administrasie; 2. Ontwikkelingsbehuising-koöperasies vind nie baat by die Maatskaplike Behuisingsektor in Suid-Afrika nie; 3. Die Departement van Behuising se gebrek aan kennis met betrekking tot die behuisingskoöperasiesektor; 4. Gebrek aan sinergie tussen verskillende regeringsdepartemente met betrekking tot behuisingskoöprasies; 5. Munisipaliteite beskik nie oor die kundigheid ten opsigte van koöperasies nie en/of toon onwilligheid om behuisingskoöperasies by te staan; 6. Behuisingskoöperasies, wat deur buite-ondernemings/regeringsdepartemente gestig word, ontvang geen onderskraging nie en daar is ook ’n gebrek aan enige voortgesette belangstelling in hulle doen en late. 7. Daar is geen geskikte behuisingskoöperasie aan regeringskant wat fokus op die voorsiening van behuising en wat oor die nodige kennis en ondersteuningsmeganismes beskik nie. Dit is duidelik dat die beginsel van koöperasies in die laat jare negentig deur die Departement van Behuising, die Maatskaplike Behuisingstigting, gemeenskapswerkers, en dies meer, as die nuwe breinkind van internasionale agentskappe soos Rooftops Canada, die Noorweegse regering, die Sweedse regering bevorder is om behuising vir gemeenskappe te verseker wat op die konsep “ubuntu” gebou het. Daarna is die klem na Maatskaplikebehuisingsondernemings en huurbesit verskuif en die enkele geregistreerde behuisingskoöperasies is sonder enige ondersteuningstruktuur aan hulle eie lot oorgelaat. Met geen ondersteuning van die kant van internasionale organisasies, nasionale, provinsiale of plaaslike regering nie, is die toekoms van dié behuisingskoöperasies maar bra droewig. Koöperasielede is gemeenskapsgedrewe, maar sonder die nodige kapasiteitsbou en institusionele onderskraging, het lede van die gemeenskap wanhopig geraak en word die beginsel van “saamwerk om meer te bereik” bloot beskou as net nog ’n plan wat ten opsigte van behuisingvoorsiening gefaal het. Dié studie het bevind dat die voetsoolvlak-behuisingskoöperasie – met die onderskraging van alle vlakke van regering – wel geslaagd kan wees, mits gemeenskapstrukture soos spaargroepe en hostelkomitees in plek is.

The purpose of the present dissertation is to examine the placing of the housing question on the agenda of social policy, the implications of housing for society, and the possibilities for simple shelter to be transformed into real family homes. The debate emphasizing the dwelling as the smallest social component and the home as the most important place for the raising of citizens has been studied. The dissertation consists of four essays, each of which can be seen as a separate study yet at the same time as interrelated due to the overall theme of the dissertation, housing and the home. The period under investigation is 1889-1929 and the place is Stockholm. The first section deals with philanthropic building activities, described through four representative examples: Föreningen för Välgörenhetens Ordnande, Stockholms Arbetarehem, Govenii Minne and Ella Heckscher's home for tubercular female workers. This section opens with two introductory chapters treating the philanthropic attitude toward housing and the relation of the family to the housing question, respectively. The theme of the second section is the significance of aesthetics for the home. This section also opens with two introductory chapters, whereof the first describes the aesthetic ideals of the epoch and the second presents the so-called "aesthetic educators". A number of pamphlets written about the home are discussed, as well as a selection from the home exhibitions of the day. In a closing chapter, the entrance of the architects into the housing-question arena is presented. The third study deals with politics in the broad sense of the term. The interest of social reformers for the housing question is traced by examining organizations like Studenter och Arbetare and Centralförbundet för Socialt Arbete. The second chapter deals with the contributions of academics to the housing question. The social democratic women belonging to the Stockholm's Women's Club are heard from, and the engagement of women in this question is further delineated through studying periodicals like Morgonbris and Tidevarvet. In the closing chapter, the establishment and treatment of the housing question within the municipal council of Stockholm is discussed. The fourth and final section treats the HSB. First, the origins of the HSB in 1923 via the tenant's movement and guild socialism are discussed. Thereafter the organization and membership of the HSB is described. A brief biography of Sven Wallander, the leading figure of the HSB is provided, followed by a chapter on the periodical Vår Bostad. The final two chapters discuss the materialized ideas themselves: the buildings built by the HSB and the homes which were set up in them, stimulated by the actual physical buildings and discussions about the right way of living in them. The story of the home has solid empirical grounding. This study has been conducted from different perspectives in order that a more nuanced knowledge might be acquired. Vision and practice have proven to be so closely interwoven that it is not always possible to distinguish between them. / digitalisering@umu

This dissertation reflects on the growing social problem of housing in South Africa, and reviews the contribution that Christians should make to address the issue. One basic assumption is that the Church as God's agent has a role to play in issues affecting the wider society. Drawing on the social teaching and pastoral care in the Wesleyan tradition, the Ubunye Free Methodist Church in Pietermaritzburg is dedicated to offer housing services to the poor including survivors of domestic violence, through the Ubunye Cooperative Housing initiative. The dissertation builds on the vision of Wesley and in dialogue with Paulo Freire, argues that 'humanization' is the key goal of Christian social witness. This dissertation then explores to what extent the Ubunye Free Methodist Church promotes humanization and what humanization means in the practice and implementation of housing policy. The research has unveiled that residents' training and participation in the running of the Ubunye Cooperative Housing initiative are some of the key issues, which need more attention in an attempt to bring about change. / Thesis (M.Th.)-University of KwaZulu-Natal, Pietermaritzburg, 2004.

This dissertation is based on research undertaken on the role of the housing group savings schemes that provide end-user finance to the poor households to address their housing needs with special reference to South African Homeless People's Federation (SAHPF) at Piesang River outside Durban. The housing conditions inherited by the new Government in South Africa were characterized by backlog. In order for the Government to address housing shortage, housing subsidy assistance was introduced, which only provided the 'starter house', which was not sufficient enough for the poor in terms of size and quality of the house. It was hoped that the traditional financial institutions would come to the party and provide small-scale loans to the poor to incrementally improve the condition of their housing. The poor households have been seen as "unbankable". Basically the study bids to explore and establish the effectiveness of the savings schemes as an intervention in making end-user finance available to the poor households in S.A. to meet their shelter needs. The study revolves wholly around the group housing savings clubs as an intervention for proving housing for the poor. Practice has proved that incremental upgrading of a core unit using incremental finance is more suitable than long-term loans and does not bind the poor into long-term financial agreements. Given the fact that the poor are not willing to subject themselves into long-term financial commitments, consequently, the poor households have initiated financial self-help groups of the likes of ROSCAs, Stokvels, RCAs and ASCRAs as a mechanism to deal with the predicament that they are facing. The study explores the circumstances under which these saving schemes have evolved and the cause of their proliferation, looking at the international and local experiences. The study draws successful lessons from SAHPF of Piesang River about group lending and the possible expansion of its activities to other parts of S.A. Lending groups have the potential to provide affordable credit to the poor and the group members will use peer pressure to encourage repayment. Group lending is capable of making an individual repay that would have easily defaulted under individual lending. The researcher uses the combination of sample survey and case study to argue that the success of SAHPF particularly in making end-user finance available to its members is due to its strong, central focus on savings and loans. Finally the recommendations are that savings for housing purposes should be seen as an appropriate mechanism, to augment the housing subsidy given the fact that formal end-user finance is not forth coming especially to the poor as anticipated. / Thesis (Arch.)-University of Natal, Durban, 2002.

This master's thesis describes design, implementation and testing of online voting system. Based on the research of existing solutions, as well as the identification of their shortcomings for the target user group, the requirements for the new system are specified. This information system is primarily intended to be used for assembly of unit owners, members meeting of building housing cooperative, or meeting of the municipal council, general meeting of shareholders and similar.

There is a series of different types of risk on the housing market and related industries.  The six papers in this doctoral dissertation are about a number of the many dimensions of risk management on the housing market. The main message of this thesis is that it should be possible for different actors in the housing market to improve risk management. Indeed, the last years’ financial turmoil has revealed that it should not only be possible, but also necessary, to improve risk management at all levels of the economy: at household, corporate, regional, national and international level. Although the complexity of the environment in which we live and act makes it very difficult to predict and quantify risk, the development of risk management techniques should make it possible to better indentify, and reduce risk. The first paper provides a systematic overview of a wide selection of methods or strategies used in different countries to expand but also to maintain home ownership among low income households. The second paper further discusses mortgage and home equity insurance instruments discussed in the first paper. This paper also discusses how a rental insurance policy, as an alternative to traditional rent regulation, may be constructed. Paper 3 develops a formula that might be used in order to value the rental insurance option discussed in paper 2. The fourth paper focuses on the housing building sector by discussing potential benefits of strategic alliances that the different actors in the housing construction market may establish in order to pool resources and manage development risks. The challenge of constructing reliable home price indexes has attracted scholars for many years. Paper 5 develops monthly quality-adjusted price indexes for condominiums (housing cooperative apartments) based on a unique dataset covering sales in the whole of Stockholm municipality from January 2005 to June 2009. Finally paper 6 pays attention to the large increase in housing cooperative conversions sine the 1990s, by deriving a closed-form valuation formula that might be used to value the embedded option an owner of a multi-family rental property has to sell it to a housing cooperative. / QC 20100810

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