Housing finance and the urban poor (Record no. 67889)
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| 000 -LEADER | |
|---|---|
| fixed length control field | 04521 a2200181 4500 |
| 020 ## - INTERNATIONAL STANDARD BOOK NUMBER | |
| International Standard Book Number | 9788170338789 |
| 082 ## - DEWEY DECIMAL CLASSIFICATION NUMBER | |
| Classification number | 363.50954 |
| Item number | SME |
| 100 ## - MAIN ENTRY--PERSONAL NAME | |
| Personal name | Smets, Peer |
| 245 ## - TITLE STATEMENT | |
| Title | Housing finance and the urban poor |
| 260 ## - PUBLICATION, DISTRIBUTION, ETC. (IMPRINT) | |
| Place of publication, distribution, etc | Jaipur |
| Name of publisher, distributor, etc | Rawat Pub. |
| Date of publication, distribution, etc | 2004 |
| 300 ## - PHYSICAL DESCRIPTION | |
| Extent | xxix,263p. |
| 505 ## - FORMATTED CONTENTS NOTE | |
| Formatted contents note | Contents<br/>Preface xiii<br/>Introduction xvii<br/>1 The urban poor and housing finance in theoretical and historic perspective 1<br/>1.1 Households 1<br/>1.2 Poverty and livelihood strategies 3<br/>1.3 Social capital 7<br/>1.4 Housing and its financing strategies 11<br/>1.5 Affordability, cost recovery and replicability issues in housing finance 15<br/>1.6 Housing finance policy and its agents 22<br/>1.7 Innovative housing finance schemes 25<br/>Conclusion 31<br/>2 Hyderabad 33<br/>2.I Hyderabad in historic perspective 33<br/>2.2 The land market 43<br/>2.3 The housing market 49<br/>2.4 The housing finance market 53<br/>Conclusion 56<br/>3 Financing strategies of the urban poor 59<br/>3-1 The surveyed urban poor 60<br/>3.2 The importance of a social network 62<br/>3.3 livelihood: a matter of sourcing and budgeting 63<br/>3.3-1 Credit and debt 64<br/>3.3.2 Expenditures 67<br/>3.4 Shelter and its meaning for slum dwellers 73<br/>3.5 Shelter in slums and its financing 78<br/>Conclusion 83<br/>4 Slum dwellers, savings, gifts and their external credit relations for shelter 85<br/>4.1 Sources of housing finance 86<br/>4.2 Savings, gifts and credit relations of slum dwellers 89<br/>4.2.1 Savings 89<br/>4.2.2 Friends, neighbours and relatives 90<br/>4.2.3 Moneylenders and pawnbrokers 92<br/>4.2.4 Chit funds 99<br/>4.2.5 Employers 100<br/>4.2.6 Retirement benefit, life insurance 100<br/>4.2.7 Colleagues 101<br/>4.2.8 Finance corporations 101<br/>4.2.9 Credit co-operatives 102<br/>4.2.10 Gift, dowry 102<br/>4.3 Networking as a necessity for access to credit 102<br/>4.4 Finance for the urban poor's shelter 104<br/>Conclusion 107<br/>s Collective action: finance through chit funds 109<br/>5.1 Chit funds introduced 110<br/>5.2 Rotating savings and credit associations 111<br/>5.3 Savings associations 120<br/>5.4 Accumulating savings and credit associations 122<br/>5.5 Collective action in chit funds 124<br/>5.6 Chit funds and the poor 127<br/>Conclusion 131<br/>6 Public housing finance in housing schemes for the urban poor 133<br/>6.1 Housing schemes for the Economically Weaker Sections and<br/>their agencies 134<br/>6.2 Housing schemes for the Economically Weaker Sections 135<br/>6.2.1 Selection criteria 135<br/>6.2.2 Implementation of housing schemes 136<br/>6.2.3 House construction 137<br/>6.2.4 Financial terms and conditions 137<br/>6.3 Housing schemes and the urban poor 140<br/>6.3.1 The selection of beneficiaries 140<br/>6.3.2 Implementation in practice 141<br/>6.3.3 Building activities 143<br/>6.3.4 Housing finance in practice 146<br/>6.4 Who helps who? 150<br/>Conclusion 153<br/>7 Private housing finance: reaching downmarket? 155<br/>7.1 National Housing Bank 156<br/>7.I.1 Promotion of housing finance corporations 156<br/>7.1.2 Lending regulations 157<br/>7.1.3 Refinancing facilities 159<br/>7.1.4 Home Loan Account Scheme 159<br/>7.2 Housing finance corporations 161<br/>7.2.1 Housing Development and Finance Corporation and the newcomers 162<br/>7.2.2 Lending in practice 163<br/>7.2.3 Refinancing in practice 167<br/>7.2.4 Home Loan Accounts and other deposit schemes 169<br/>7.3 Small man first: successful or not? 173<br/>Conclusion 176<br/>8 NGOs, CBOs and housing finance 179<br/>8.1 Housing finance, NGOs and CBOs in Hyderabad 179<br/>8.2 NGOs, CBOs and housing finance 183<br/>8.3 Scaling up and linking 185<br/>8.4 Alliances with the public sector 189<br/>8.5 Alliances with the private sector 191<br/>8.6 Attempts to capture the dynamics of the actors involved 192<br/>8.7 Down marketing housing finance through scaling up reconsidered 107<br/>Conclusion 201<br/>9 Housing finance and the urban poor in conclusion: future perspectives 203<br/>9.1 Demand 203<br/>9.1.1 Household, livelihood strategies: integrating building and financing strategies 204<br/>9.1.2 Using sourcing and credit as livelihood strategy: terms and conditions 205<br/>9.1.3 Incremental financing discussed 207<br/>9.2 Supply 208<br/>9.2.1 'Informal' sector 210<br/>9.2.2 Semi-formal financial institutions 211<br/>9·2·3 Public sector 212<br/>9.2.4 Private 'formal' sector 212<br/>9.2.5 NGOs and CBOs 213<br/>9.3 Demand versus supply 213<br/>9.4 Innovative housing- finance options 220<br/>9.5 Future perspectives 223<br/>Abbreviations 227<br/>Literature 229<br/>Appendix<br/>1 Map of the surveyed slums and EWS housing schemes 251<br/>2 Sources of housing finance used by interviewed slum dwellers in Hyderabad 253<br/>Index 257 |
| 600 ## - SUBJECT ADDED ENTRY--PERSONAL NAME | |
| 9 (RLIN) | 44620 |
| 890 ## - Country | |
| Country | India |
| 891 ## - Topic | |
| Topic | FP |
| 942 ## - ADDED ENTRY ELEMENTS (KOHA) | |
| Source of classification or shelving scheme | Dewey Decimal Classification |
| 650 ## - SUBJECT ADDED ENTRY--TOPICAL TERM | |
| Topical term or geographic name as entry element | Biology |
| -- | Low-income housing |
| -- | India--Hyderabad |
| -- | Economic assistance |
| -- | Housing--Finance |
| 9 (RLIN) | 97754 |
| Withdrawn status | Lost status | Source of classification or shelving scheme | Damaged status | Not for loan | Collection code | Withdrawn status | Home library | Current library | Date acquired | Source of acquisition | Cost, normal purchase price | Total Checkouts | Total Renewals | Full call number | Barcode | Date last seen | Date last borrowed | Cost, replacement price | Price effective from | Koha item type |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dewey Decimal Classification | Faculty of Planning | CEPT Library | CEPT Library | 28/09/2021 | Word Bookshop | 796.00 | 5 | 2 | 363.50954 SME | 022302 | 11/01/2024 | 28/12/2023 | 995.00 | 24/09/2020 | Book |